XRP and the $110 Trillion Wealth Transfer Nobody Sees Coming

Added: 2026-05-05

[00:00:00]Hello everyone, XRP and other digital assets are headed to quadrillions.

[00:00:07]There's always going to be that guy that's going to say there's not enough money in the world to ever make that happen. The provider real research over fluff. So, consider smash that like back with Jesse of Apex Crypto Insights.

[00:00:19]We're going to show you how this is all done, okay? Let's pull this up on your screen before we can literally get into the material and it starts off obviously with smoke again, right? He makes our lives so easy, but we do also provide our own uh research documents as well from time to time.

[00:00:36]And we see here from Smoke. He points out data is from quarter 4, 2025 because, you know, let's face it.

[00:00:44]There's some people in the community they're like, "Oh, 2024 you're just citing these things from there." No, no, no, this is literally uh new. So, Smoke pointed out this data is from quarter 4, 2025 and the report was published on April 14th, 2026, which is basically today or depending on when you get this video, it'll still be pretty recent. To the skeptics who insist that all research is outdated, documented of course. Hey, Smoke can take some criticism, he understands. So, what does he have? Well, it says, "Crypto tailwind, the greatest wealth transfer in history." Let's pull this up on the other screen just for a moment. Not a lot of this is is highlighted, but it's so worth sharing, okay?

[00:01:25]Uh let's shrink this down a tad for you can see it just right and you see here that baby boomers are the wealthiest generation in United States history.

[00:01:35]At the end of last year, they held nearly 90 trillion in wealth according to the Federal Reserve data. Check out Jesse and I's video about the FedNow system, but more importantly, come back to this. Stay here, of course.

[00:01:51]So, 90 trillion, right? That's huge. And according to the Federal Reserve data, if you combine that with the silent generation, Americans roughly 60 years and older hold a net worth of approximately 110 trillion. Over the coming decades, this wealth will be passed down to younger generations. We get further into this, you will also see another thing that's definitely worth pointing out. Let's pull you pull this up on the other page and here it is. All right, so a lot of highlights on this one. We'll kick it over to Jesse in just a bit. Uh we see here that we believe that the upcoming generation wealth transfer may have structural implications for crypto.

[00:02:33]As asset change hands or assets, portfolios could shift to incorporate a higher share of crypto assets creating a tailwind for valuations. For example, based on the current 110 trillion in wealth held by baby boomers like I just pointed out, um that's big, but the imminent wealth transfer, this is the key takeaway, from older investors to younger investors may create a structural tailwind for crypto assets. And as you see here, this is what's representative in US wealth distribution by those generations.

[00:03:06]You even have, for example, Gen X, which is in the gray area on that little wave that you see. Of course, here's uh millennials. I consider myself more of a zennial, but I embrace being a millennial, right? Uh but nonetheless, you see that and you of course see it all. And this dates back from the year 2000 to yeah, right at the end, like I said, 2020 20 2024 2025. So, obviously that guy just took a glance at it and said, "Oh, 2024, that's it." Here's the real source, Federal Reserve Grayscale Investments. Federal Reserve data, generational groups are defined and he's we point out the baby boomers, Gen X, millennials, and you know, basically later, but this is the data as of quarter 4, 2025. So, Federal Reserve and Grayscale Investments, that's definitely worth pointing out before we continue with some other material. Let's take it over to Jesse of Apex Crypto Insights. Take it away, Jesse. Before we continue, I just want to do a very, very quick brief update and let you guys know about Maximus Crypto sponsor and that is D'CENT Wallet has a limited time sale.

[00:04:13]You can save up to 40% on a 2X package, okay? This has been discounted for $318 to $189. This is a savings of $129.

[00:04:22]The sale ends on April 20th. Send goes not your keys, not your crypto. Don't put yourself at risk of an exchange delisting your coin or token. It is absolutely disastrous. Check it out, links are in description.

[00:04:36]Yeah, this was awesome. I saw this um so, they're showing here that the millennials basically are are more they they they prefer to uh invest in technology and crypto, right? They're we're not looking for the old stocks, 2% 3%. They they're more open to technology. They're I think they're more informed about technology, where it's going, all these things and they invest more in crypto than the the baby boomers, for example. And so, the fact that they're going to inherit 90 to 110 trillion in the next, you know, 5, 10, 20 years or whatever, the a portion of that is going to go into crypto. I think they were showing kind of 10 years, I think. 10, 15 years, but a por- or maybe let's say 10 to 20 years. A portion of that is going to go into crypto.

[00:05:16]Uh a bigger portion than ever. So, you've got that plus you've got utility that we're always screaming on top of our lungs here, utility, utility, you know, the utility tokens that are going to capture the utility of networks. The the networks are going to be forced to use these tokens because of the demand and natural demand from the network effect and all these things. So, these two things combined uh coming in next, you know, 5 years, 10 years and so on, it's it's extremely interesting. It's it's it's it's quite the setup for crypto, anyways. The ones that have real use cases. And uh yeah, it's it's it's really, really crazy. It's it's unbelievable.

[00:05:52]Again, which is the fourth industrial age, the fourth industrial revolution, the tokenization age and AI. We could we could say that AI is is part of it, too.

[00:06:00]So, yeah, very, very big deal. I like that. I saw Smoke post that and that's awesome.

[00:06:06]Yeah, he always has great research to share. We really, really appreciate Smoke. He's a in my opinion, he's like a national treasure, especially when it comes to the XRP community. Uh another thing I want to point out is Jesse, you just mentioned, for example, the fourth industrial revolution. We have cited between us both a lot of references to specifically just that in documents where they talk about not just Web 3 cuz we're not in Web 3. In my opinion, it's like Web 2.7, maybe 2.8, give or take.

[00:06:36]But even from WEF documents, how many times they mention the fourth industrial revolution or the next uh industrial revolution? Numerous times. Have you recently shared anything in that regard from Apex Crypto Insights on your channel?

[00:06:50]No, not necessarily. Um not specific documents from the WEF, not recently, but I always tell people like this, we're going through the from the third industrial age to the fourth industrial age. We're going from the age to the tokenization age, blockchain and AI, right? Maybe in 10 years from now, 20 years from now, we'll look back and we'll say, you know, AI was part of the fourth industrial age or maybe they'll you know, maybe they'll just blend it all in and say this was all the fourth industrial age or maybe they'll say, "Well, tokenization, crypto was the fourth and you know, AI was the fifth or whatever."

[00:07:20]But it's probably going to be all grouped into the fourth industrial age, I think. But um yeah, that's tokenization age. I haven't showed specific documents from the WEF, but I just always keep I always say it in my in my deep dives in my videos to explain that that's where we're going and it's a very, very big deal.

[00:07:35]It's a very, very big deal because the information age, in the internet age, information age, uh was the biggest transformational uh biggest transformation we ever saw in history. It's my understanding and just completely changed how the world uh operates, everything, you know, it's just crazy the the amount of change it did to the world. And so, now again, that tokenization age and AI is going to be way bigger than that. It's going to it's going to make block It's going to make the internet look like child's play.

[00:08:01]And that's just that's not me saying that. These are headed like the top people with IBM and Microsoft and these people that know what the heck's going on.

[00:08:10]Um they're the ones that say that, you know, what we're doing now is going to make the internet look like child's play. Because tokenization and blockchain is is extremely powerful.

[00:08:18]Blockchain, what it does, you know, instant verification, instant source of truth, like it's it's it's really crazy all the utility that comes from uh from blockchain and what you can do with that. So, yeah.

[00:08:30]That's pretty much it.

[00:08:33]All right. Well, thank you again. We're going to jump into the last part of our outline. This is going to be a very brief video. Uh some of you guys like that. Sometimes we get really deep, so it just depends on the material.

[00:08:45]If we still have to earn your like, we just want to point out, please consider smashing it. Doesn't really cost you anything. But nonetheless, let's jump into this. So, what do we basically have in regard to Ripple Treasury? Now, big shout out to Mult Media, Mr. Man, Smoke. When we did our collaboration, Mr. Man specifically pointed out G Treasury and uh again, the you know, there's Ripple's Treasury. So, let's get into this for just a brief moment. And what do we have? Well, not that long ago, literally earlier today, again, Smoke's been on fire today when it came to the research. So, what is next for Ripple Treasury? Well, it's upcoming expansions which include integration Ripple's cross-border intercompany settlement products. And this is what I love. This is going to pound home what we just presented to our communities, Jesse, and that's this right here, 24/7 yield generation on idle cash. So, we'll get more into this.

[00:09:48]We just shared the whole thing about the baby boomers. We just shared the whole thing obviously with stats in regard to Gen X, millennials, some of the other generations and so on. So, when we see these examples on 24/7 yield generation on cash, well, guess what? Despite all of the unclearity of the Clarity Act and all the really, let's face it, an upset industry. You even see Charles Hoskinson of Cardano, Jesse. He always chimes in, does he not? But, the point is, while everyone's focusing on specifically like, what about yield on stable coins and so on? We get examples like this.

[00:10:29]Before we continue with this, what are your thoughts in regard to this whole idea of 24/7 yield bearing on idle cash? Because idle cash tells me we are still obviously going to bridge the traditional rails with the new. But, you can earn a yield, that's going to be very appealing to those generations that we just cited.

[00:10:51]Yeah, we just saw some announcements and maybe you'll show them in a minute. I'm not sure, but the G the G treasury literally just they're going to connect it right into on-demand liquidity, ODL, right? So, that's that's that's that was the whole plan from the from the very beginning, anyways. So, um yeah, I know.

[00:11:05]It's it's just again, it's it's just Ripple literally um with with G treasury plus um on-demand liquidity and all the features of the XRPL and RippleNet and all those things, literally you're you're having you're going to be able to uh make the best use of this uh money that you would usually have in your treasury that's just sitting idle there.

[00:11:25]Um and so, it's it's just Ripple taking over the world, basically. All the money, which is what we've been saying from the beginning, right? All the money. So, that's just what I see there.

[00:11:34]It's uh it's clear as night and day.

[00:11:37]And uh it's all coming together right now. It's crazy what's going on for 2026, so.

[00:11:44]Yeah, it it definitely is. Let's jump back into this real quick.

[00:11:48]Let's pull this up and we see here the reference. So, we just talked about 24/7 yield generation on idle cash, right? Now, we see here Ripple treasury will make some major announcements soon and of course, I mean, come on.

[00:12:04]It's Smoke. It's always documented, right? So, what does Smoke have? Well, he points out this. Let's blow it up on the other screen. And we have here, if you're wondering where the citation comes from, it comes from trade treasury payments.

[00:12:19]Look it up if you choose to do so. Now, it gets a little bit blurry when I blow it up. You got to keep in mind, we appreciate the research from Smoke. He takes a lot of uh the screenshots from his cell phone, okay? So, let's jump back down to this. More on future expansion and integration. Even though that's not highlighted, I want to highlight that because for me, we're not at mass adoption, ladies and gentlemen, not even close.

[00:12:40]But, you have to lay down the infrastructure. You have to have a rock-solid foundation. Digital asset account management and unified treasury are the initial components of Ripple treasury's digital asset framework. Now, here's the area that Smoke highlights, obviously. "Upcoming expansions will include integration with Ripple's cross-border and inner company settlement products 24/7 yield generation on idle cash through overnight repo and other capabilities powered by stablecoins and digital assets." So, even though we don't have the clarity that everybody wants on stablecoin yield, clearly you see that Ripple is ahead of the game. And I remember, Jesse, that you had Charles Hoskinson literally say uh make a statements like it's kind of like it's not fair. Well, I'm sorry, Charles, but guess what? Uh sometimes life isn't fair, and that's why we have to be invested, not financial advice, in some things like this. Ripple is ahead of the game. Some people were silly, no offense, they refer to this as dino tech. But, you know what I've also noticed, Jesse? The same people that will say this is dino tech will be the same people that will hold BTC. So, they're talking out of both sides of their mouths. And again, this solidifies a little bit more in regard to what we already know. But, some of your closing comments before we close it up.

[00:14:08]Yeah, man, if if if the XRPL is dino tech, oh my goodness.

[00:14:12]What is everything else? Oh my goodness.

[00:14:14]They've they've it's got a decentralized order book. The uh it's got an order book, decentralized exchange, the most advanced AMMs in the world, literally.

[00:14:22]Multi-hop pathfinding technology.

[00:14:24]>> [laughter] >> Oh my goodness.

[00:14:26]Um yeah, I know. This is this is what you showed after is actually what I was talking about. How they're showing clearly G treasury's going to literally um uh in- integrate into uh Ripple's other uh utilities and stuff. So, this is exactly what I was saying. So, I got nothing to add there. Just just uh the alpha was all showed for this one, I think.

[00:14:45]>> [clears throat] >> It's all we had to for this one.

[00:14:47]Well, fair enough. Uh there's actually just two more visuals and then we promise we'll close it out. Big shoutout to Chad Stangrabba. Let's go ahead and pull this up. What does he have to uh compliment? He kind of chimed in, I guess you can say with uh what Smoke shared. So, uh shoutout to Chad. And what is it? So, in the thumbnail, you saw a little bit of that quadrillions.

[00:15:07]So, Chad pointed out we are not headed to trillions, it's actually quadrillions, okay? Very important uh important to highlight that. I know I just said the word important. I've been sitting on the coin listening to the boys trip. No, I'm kidding. All right, so what we have here, Theo, tokenization penetration by asset class. Let's shrink this down just a tad. It's a little bit too big. You need to be able to see it just right, right? And we see here basically is a little bit more in regard to the diagram. So, look at this, guys.

[00:15:40]Tokenization penetration by asset class.

[00:15:43]Look at all this in regard to private credit, commodities, you name it. But, again, connecting capital. So, right here, this is what Larry Fink of BlackRock was talking about, everybody, where he was talking about connecting capital. But, remember how he said capital market ecosystems? Well, boom. There you go. I mean, you have commodities, you have US treasuries.

[00:16:03]Let's face it. I mean, even things like Canton really stand out in that regard.

[00:16:07]Uh you have non-US government debt.

[00:16:09]Look, I mean, when you start stacking some of this up, this is big. And global capital markets is 600 trillion plus because you have equities, debt, real estate, commodities, private markets. Um and then on the very bottom left, you have 27.13 billion distributed on-chain asset via RWA XYZ. I am going to do another update in regard to some data from there. But, again, to me, it's all there. And before you chime in, Jesse, you're going to love this, okay? You're really going to love this.

[00:16:37]>> know if I'm going to love it more than what you're showing here. Make sure to come back here after. Or, can I chime in on this one?

[00:16:42]Well, you can, but I was going to point out Securitize replied to Chad 4 hours ago, "Tokenize the world." And then I'll show the uh Securitize update. But, by all means, chime in on that. You want me to leave it up there for you? Or, do you >> go back to the other one, yeah. The previous slide. Sure. This is what we've been saying, like everything's going on the blockchain. This is My friends, you have to understand, this has been planned for many, many years.

[00:17:05]And their goal here is to tokenize the world. Put everything on the blockchain because it gives the governments and corporations so much advantages. It allows them to literally streamline like 98% of their processes. It saves them a ridiculous amount on fees. They can see everything, monitor everything. It's insane. And when you look at this here, okay? I'm I'm I I I am I suck at a lot of things, but with math, I'm really strong. So, we'll see right here. If you look at corporate bonds, okay? This is all going to be tokenized. I promise you, my friends.

[00:17:36]All of it's going to be tokenized. And even was it not BlackRock that said that, you know, they're planning to tokenize uh all of the US stock markets within a few years, okay? But, everything's being tokenized. So, what you have to understand, where it's going to take 7 years, 10 years, or 15 years, e- even maybe 20. I don't think it'll take 20, but everything eventually is going to be tokenized. And if you look at the bottom here, corporate bonds. Right now, what they're saying is that there's 1 billion in corporate bond that has been tokenized. But, they're showing you on the right-hand side here that the total amount is 130 trillion.

[00:18:08]Okay, that's 130 trillion.

[00:18:11]But, the total amount right now is 1 billion. So, 1 billion times 1,000 is 1 trillion.

[00:18:17]But, it's 130 trillion, not 1 trillion, 130 trillion is total corporate bond.

[00:18:21]So, right now, for corporate bonds, it's there's only one out of 130,000.

[00:18:27]There's going to be eventually 130,000 times more that's going to be tokenized than what is tokenized right now. 130,000 times.

[00:18:37]My friend, that is literally 130 times.

[00:18:40]That is 13 uh 13 million percent.

[00:18:45]There's going to be 13 million percent more corporate bonds being tokenized eventually. And if you go back there, if you don't mind, the other two tabs, literally look at the other one on top.

[00:18:55]And literally institutional funds. Well, you just look global global capital markets, really. Um oh, sorry. Let's look non-US um let's look at US treasuries, non-US government debt. That's 68 trillion. The other one underneath, institutional funds, is 100 trillion. So, that's 168 trillion plus equities. It's almost literally 300 trillion. It's about 100 290 trillion, to be exact. So, right there, there's almost 300 trillion that's been token- that's to to be tokenized soon. But, out of that, they've only tokenized about 13 or let's say 15 trillion. So, out of 300 trillion, they've only tokenized 15 billion.

[00:19:37]So, that's times two. And so, again, that's another, I think, 20,000 times.

[00:19:41]Uh it's 20 20 billion out of 300 trillion. So, that's 15. I have to do the math here real quick. 15, 300. Yeah, so it's I think it's 15,000 times. So, those three uh sectors that I mentioned there, they're still 20,000 times more tokenization to be done there that needs to be on the go on on the blockchain for those. So, again, so you know, 150,000 to 150,000 times more of these need to be tokenized for that for them to all be tokenized because they are all going to be tokenized.

[00:20:15]So, anyways, I just wanted to point that out. That's why we're saying like it's it's not even like we're not even scraping the surface right now of of what what we're seeing in adoption. Like it's we're we're we're so early like and and people think that oh, this is going to take 50 years.

[00:20:27]Not going to take 50 years.

[00:20:29]Once you have regulations, once you have, you know, Quant as the interoperability layer for everything and you start like it's it's going to go it's going to go fast. I'm I'm thinking 10 to 20 years maybe we see 85 10 to 20 years 90 uh sorry, 7 to 15 years we probably have about 90% of it tokenized.

[00:20:49]If not more.

[00:20:50]It's just a rough guess. I'd have to think it over more, but 7 to 15 years it literally 90% of it's tokenized probably.

[00:20:57]Maybe maybe more. I'm not sure.

[00:21:00]It's huge. It's a thing.

[00:21:02]It is a huge uh just to jump back to this I I do want to point out the citation. It's always a good thing to do that. So, sources are from March 2026.

[00:21:10]So, we're not just citing old data that's super super old. Uh this comes from rwa.xyz from SIFMA and that's part of Deloitte. And if you know about Deloitte, uh I learned this from Smoke cuz I don't know everything. Deloitte is the world's largest audit uh outlet or you know, organization give or take. Uh if they're not the largest, they're they're in at least the top three.

[00:21:35]Yeah, top four. Yeah, the top three top four consultancy in in the world Deloitte does.

[00:21:39]>> Yeah, they're they're they're absolutely massive. So, to see that again, I I just want to put some emphasis. All right, so this is your street, Jesse, okay? So, let's jump back for a second. I do apologize guys I said we're going to wrap it up, but uh I have so many tabs cuz we're doing so much research. So, sometimes it's kind of hard to navigate.

[00:21:56]So, please give me the benefit of doubt.

[00:21:58]Uh again, so what do we see here earlier from Chad? Chad shared this, right?

[00:22:02]Awesome, right? So, again, he's kind of like replying to uh Smoke and then we see this from Chad, not trillions quadrillions. And then you see the reply from Securitize, right? 4 hours ago, tokenize the world. Now, here's why this is so important. This is where we go a little bit deeper with our research, okay? And then we'll we'll definitely wrap this up. So, not that long ago, okay, on April 9th, you see here from PR Newswire along with many other news outlets. They point out that Securitize appoints former SEC director Brett Redfern as president and member of the board of directors again with Securitize. So, again, as as Jesse would say like oh, you don't say.

[00:22:49]Isn't that interesting? Because when you get more into this, you have to keep in mind that this is a big deal because it's kind of like those that were opposing all this.

[00:23:01]As the saying goes, if you can't beat them, join them. This is one of the best examples if you can't beat them, join them.

[00:23:08]Securitize, some of you guys are the OGs, you already seen this in the news, but Securitize, which has announced a proposed business combination with Cantor Equity Partners to Inc, okay? So, when you think about that like Cantor Fitzgerald and we know that we have uh some key players that are part of the Trump cabinet that have Cantor Fitzgerald ties like um Howard Lutnick, okay? Like some of his connections and so on. But the leader in real world asset tokenization announced that Brett Redfern, former director of the United States Securities and Exchange Commission Division of Trading and Markets, have been appointed president of the company. He will also join Securitize's board of directors.

[00:23:51]Here he is, okay? And bottom line is this.

[00:23:55]Bottom line is that as president, Redfern will work with Securitize's leadership team to scale the company's regulated platform issuance platform across issuance, trading, and fund administration while driving engagement with regulators. All right, so there's so much more about this, but again, when I see this where it says uh to scale the company and again, issuance. Okay, so when we talk about issuance, let's do what, Jesse? Let's jump back to this.

[00:24:23]Issuance with again, look at this cuz bottom part says field tokenized on chain.

[00:24:30]That's only what's currently on chain.

[00:24:31]So, if you're going to have issuance, like this guy is going to be part of the bigger picture. And then again, just in case people miss it, Jesse, uh right here.

[00:24:42]Chad shares this.

[00:24:44]Not headed to trillions quadrillions and then tokenize the world 4 hours ago. To me, this is if you can't beat them, join them. They literally are showing up.

[00:24:54]Man, this is a major win. Well, I don't I don't yeah, I don't think it's I'm not sure about actually beating them. I I I think it's probably all coordinated, too. It's all the >> No, I'm I'm saying cuz the SEC reference he was former former SEC. So, yes, if you can't beat them, join them. That's what I'm referring to. Yeah, yeah, I know. It's uh the former president of the SEC, right? Like not not a guy doing administrative work, you know, not the guy, you know, cleaning the office at night or you know, >> [laughter] >> no no disrespect towards the people that hold the small positions. Not what I mean, right? They work harder than me and I I have a lot of respect. I'm just saying like this is the president, right? It's not it's not a guy just, you know, taking working a call center for the SEC here. The president going to work for for um for uh Securitize. And they're admitting right here in the comments we're tokenizing the world.

[00:25:42]Oh my goodness, like like I said, in 5 to 10 years from now, it's going to be crazy what's going to be on chain and how what's what's going to be going on here. It's it's crazy the utility.

[00:25:53]That's why can't see XRP and XLM and and QNT these tokens to be in the same value. Like we're not even like I we just showed you corporate bonds. Like we're we're not even it's one out of 130,000 times what's going to be tokenized here.

[00:26:08]Just for corporate bonds. 130,000 times.

[00:26:12]You think that can't move the price eventually? I mean, no.

[00:26:15]Like not financial advice, but XRP's cap is not $5. Like I'm sorry.

[00:26:21]Like it doesn't matter if it's settling true for a few seconds. Only takes 3 seconds to settle.

[00:26:27]It's >> [laughter] >> We'll see anyways.

[00:26:30]We'll see.

[00:26:31]We'll see what happens.

[00:26:33]But uh Yeah, anyways.

[00:26:37]End of rant. End of rant.

[00:26:39]All right, guys.

[00:26:40]You know the drill. If you listen to the entire outline, it gives us great feedback on who's paying attention and who really isn't. Like sometimes we see that people just jump into the comments and they didn't even watch the video.

[00:26:49]So, if you happen to listen to this entire video, could you please do us a favor, type in this keyword into the comments and that is quadrillions cuz again, it lets us know who's paying attention and who isn't. As the saying goes, know what you have, know why you hold it. The research trumps fud 110%.

[00:27:05]May the Lord Jesus bless you all. We both really truly mean that. We'll see you guys in the next video. Jesse and I are doing a lot of videos together.

[00:27:14]We're going to do a lot of videos so.

[00:27:16]See you guys. God bless you.