This analysis insightfully frames DLT adoption as a Darwinian survival strategy for smaller banks against regulatory hegemony. It elevates the typical crypto narrative by grounding market dynamics in institutional power structures and classical strategic theory.
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XRP: Secret Super Bullish Agenda Exposed!Added:
Welcome back to the channel. So, I've been telling people there's this rift between the small and medium-sized banks and the larger banks. That also includes the Fed, but we're not going to touch too heavily on the Fed aspect just yet.
But, anybody could find those those the letters that they sent in the documents and everything like that. They were complaining against the Fed even recently. Uh but now, the small and medium-sized banks, they they have all of these rules working against them that work positively for the larger banks because they have all this infinite capital to work with. They they're too big to fail, so the government is going to save them.
I mean, it just goes on and on, but there's a lot of the a lot of rules that are made that are negative for the smaller and medium-sized banks.
Now, the Fed was going to heap more rules on top of them, which would absolutely just crush the small and medium-sized banks. My question is, why were they going to do that?
Why are they doing that? Why are they putting the pressure on the small and medium-sized banks? I want to ask you a question.
If you were a large bank, a large not just the large banks, a government, the large asset managers, right? And you had an asset, you you were dominating these assets, these let's say they're bank coins, Bitcoin, right?
And you needed to ensure that people were going to use that technology and by not just people, companies were going to use that technology so you could profit off the skyrocketing of that of that value. Would you not set it up in advance because you knew about this since the '80s and '90s? That's when the first uh what do you call it? Patents in in designs for DLT came out, at least the ones I read. Like 1988 or so, right?
So, you knew since then. You had since that time to put pressure on them that will lead up to the moment where you're rolling out this DLT technology where now they're under pressure. They need to save costs. They need to to make more capital. They need to loosen up a lot of illiquid assets. They need to fragment commercial real estate, and I'm only talking about, once again, the small and medium-size banks.
You don't think they would do that?
Then why have they been keeping this pressure on the small medium-size banks?
They don't get me wrong, they crushed some of some of them absolutely.
And that was what caused the initial wave of complaints.
Right? The whole 2023 you know, banks collapse bank collapses, and banks have collapsed since that time. They just keep it quiet. So now, in addition to the the rules that already exist that cause them the small and medium-size banks to off to have to offer extremely high interest rates and things of that nature to compete with the big banks and um I mean, they were the Fed was about to heap even more rules on top of them. And then the that sent the small and medium-size banks into a a fury.
Let's read this little tidbit here from American Banker. It says, "Small and mid mid-size institutions have argued that the Fed's regulatory over-corrections and structural advantages given to Wall Street mega banks are actively squeezing them out of the market."
They can't survive.
Do you understand what that means? Okay, so what do they So either they go out of business, they get crushed, or they continue to struggle along, we know they don't want to do that, or what? Or they turn to DLT to save costs, unlock capital, make capital, offer new you know, offerings to their clients to bring in more capital. It helps them in every single way. Wait.
Now, that might be why certain representatives from big companies came out years ago. Who was it?
At the time, I believe it was Stuart Alderoty was one. There were a few.
Stuart Alderoty of Ripple. There were others that spoke, but not from Ripple, they were from other entities. But, I remember Stuart Alderoty, correct me if I'm wrong, says something akin to, "We believe banks will be using XRP, right?" XRPL XRP.
And he said it with such certainty. And that wasn't the only thing that was said around that time. It sounded as if they knew for certain that these banks in the US, multiple multiples of them, cuz they work best as networks. Let's just be real.
They said it with such certainty. It's like, wait, what do you know?
Don't get me wrong. We know about a lot of institutions that are going to be using XRPL. And if they use something that's connected to the XRPL, they're using the XRPL.
That's it. Just like the same thing you see with the whole whatever that was the other day, was it EDC EDM, something like that. Um it's like that's a silo system. So, how does that operate globally if you're not going to have a a neutral interoperability layer?
How does that work with everyone else? I mean, Europe is stepping away from Western-based systems. China's stepping away from Western-based systems. How do you with trust operate in that type of environment? You need a neutral interoperability layer.
So, it's it's a no-brainer. We don't need them to tell us what's on the table when you're working with a company that has that is built on the XRPL. The best thing they have is XRP.
And with payment channels, you save a a ton in cost. And that's just one method.
So, I mean, when when you look at it that way, they say it with such certainty. All these the banks, we're we're we're pretty sure banks will utilize XRP. I don't think they have a choice. I think they've been set up for lack of a better word. My apologies for not being so eloquent.
But, I think they've been set up. This has all been It's been rigged. So, so, what people are used to seeing, I believe, is the short game. Short game played by the governments, the short game played by the institutions. And they definitely do that. Everyone learns strategy when they're growing up. They you read the The Art of War, your parents have have you reading it. You go to school, and they have you reading the uh books by Machiavelli, etc. So, you get all this strategic planning going. They definitely employ that. This is business.
So, for people to think that they don't employ that is preposterous in my humble opinion. It's nonsense. Of course, they do. So, you have your short-term strategies, you have your long-term strategies. What most people focus on are the short-term, what they see them doing, the large asset managers, the banks, the governments. But, they don't focus on the long-term. This is a long-term game, in my humble opinion.
So, what it does, it drives the small and medium-sized banks into the arms of DLT that the large corporations and governments are the ones who are going to benefit the most from when the prices explode. Don't get me wrong, there's going to be a handful of us left there in the in the bank coin companies and Bitcoin etc. Even though there's going to be a lot of massive shakeouts.
I think people have believe they've seen the worst. I don't think that they've seen the worst. It'll get very dangerous, in my humble opinion. Not financial advice. Um but there'll be a handful left when those prices explode.
Once again, not financial advice. But, I'm going to read this all So, that was from American Banker. Let me read this other little tidbit here.
They They go deep.
So, I I Let me read just a little bit. Following the high-profile regional bank failures of 2023, small and medium-sized banks have consistently complained about an uneven playing field regarding deposits because Wall Street's global systemically important banks. That's And that's just an opinion.
They're siloed as well.
They're struggling as well. And And if they They're so important, then why are they allowed to rig the system and put the entirety of the system that they're a part of? Without the system, they don't exist, but they're risking the system. If the system were were were to have something systemic happen, they would suffer as well. So, why are they being allowed, if they're so important, to run wild?
>> [snorts] >> The only logical Well, not the only. Let me not say the only.
There may be others, but the first logical conclusion that comes to my mind is is because they wanted that way, may because they profit off of the rise of a new system.
So, with the old system, they run it into the ground, they profit off that.
It rises, they profit off of that. And it's all done through the fundamental substratum of the financial system, the new financial system, DLT technology, of which AI is being layered on top of already currently.
And later on, quantum computing is going to be layered on top of.
Which that that entire setup is tied to other things, assets, commodities, that are going to be so bullish that people don't even understand.
In my humble opinion.
You don't have to agree, but I I would say look into that. So, now let's continue on here.
So, because Wall Street's global systemically important banks, G-SIBs, enjoy an implicit government backstop, so they get bailed out, they get and and now they have changed the naming of it.
So, they still get bailed out, they just changed the the name and changed changed a few mechanisms so they could say this is technically not a bailout, so then they don't have to call it that at all.
That's why I tell people they're they're going to roll out CBDCs. I don't care what the government and what these banks say, "Well, we're not going to do CBDCs.
We banned CBDCs." Yeah, that nomenclature in the way it functions now, but later on as it evolves, it won't function that same way, so the the plumbing and all of it, the way it works will be a little bit different, different enough for it to not be considered a CBDC. And then they'll rename it so it functions differently than a CBDC and has a different name than a CBDC, but it's essentially just the evolved version of a CBDC.
Boil it down to its essence, it's still a CBDC. This is what they do.
Let's move on, okay?
Uh so, the an implicit government backstop, the reality that they are, quote, too big to fail. Smaller institutions complain that depositors view mega banks as inherently safer.
This has caused a persistent deposit migration away from local communities and into massive national banks. The cost to smaller banks to stop capital from fleeing community and mid-size banks, small and medium-size banks, have been forced to offer much higher interest rates on deposits. Of course, you got to lure the people back in, right?
They're getting destroyed.
>> [laughter] >> The only way they compete, this is my point. The only way they compete is with DLT. Do you understand? Look at the value of all the medium-size and small-size banks, community banks, regional regional banks, whatever you want to phrase it.
Take a look at all that value together.
Decide for yourself what's a reasonable percentage of those that are going to come over to DLT. I believe it's going to be a massive percentage of them because they have to survive.
If not, they're going to be a part of whatever collapse is coming and that's I I don't think that that's that far down the road.
And if that value, trillions upon trillions of dollars and from my estimation, which scales into quadrillions, comes to any of these bank coin chains, XRPL, which is in the driver's seat, the front seat, or or um Chainlink or Solana or Stellar, any of these, you choose.
What does it do to that price? I'm just I'm being highly reasonable, I feel.
By the way, if you find it in your heart, >> [laughter] >> click that like button. I would appreciate that.
Um Also, if you get a chance, check out some of those books that I've been posting. Um I believe that they could be a great help to people. That's why I'm posting it. These are things that I've been reading for a long time, especially like Art of War. Art of War, I've been reading. My father gave me the He gave my brother and I the Art of War when we were just little children. And he had a He didn't He wasn't asking you to do it, he was telling you to read it.
And we he had a lot of books like that.
And we read that. It's very very eye-opening. Doesn't mean you have to employ that for battling people. No, but different situations in life you can apply that same psychology to, same strategy to.
Parmenides, great book. The Republic by Plato, great book. And then I think I put one up for speed reading. I've been telling people on this channel intermittently, off and on, I always come back to it. That's another book that my father My father had two books on speed reading that he had us read when we were little. And it was tremendously helpful, folks.
You can go through documents very quickly.
Um so, I don't know if we're going to be a help to someone out there. Hopefully it is, but if I put that book up, you can grab that. These things are through YouTube. YouTube They have this thing now where you can They They offer stuff.
Um so, speed I think speed reading would be advantageous to a lot of people. You're You're a lot of you are in business, you're in a technical field. And even if you don't get that book, I mean, you can maybe you can find some good tutorials on YouTube for free or um I don't know if they have free speed reading materials on the internet, but you probably could look that stuff up, but I prefer to have hard copies of everything. Just let me get this out and then we'll move on to the next article.
I prefer to have hard copies of everything cuz I've had bad experiences with digital stuff.
I I give you a light example.
Digital movies. I had some digital movies in this one app thing that I used to watch movies on a long time ago, classic movies.
Um they got or went out of business and that those digital movies went poof.
They just went away. No longer had them.
I was like, "Okay, I'm better get hard copies of everything." I started buying everything on DVD.
Um so, I like to have hard copies of that, hard copies of books.
Another thing I don't trust.
Um I actually a few times gave uh when AI first came out gave AI a chance, not on this type of research, but I do other types of research that are like really my main research. And I had a lot of research papers and and stuff like that that I was looking up things philosophical things, epistemological things, things on quantum science, the quantum sea. I had a lot of things I had original ideas of that I put into it and guess what?
I don't know why and some update just poof, all of that just went away.
You know how many original ideas I was playing with in there?
So, I like to have hard copies. I'm printing out everything hard copy books, put it on the shelf so you never lose it. You don't have to worry about some company cuz you have a digital iteration of it it going away. That's my humble opinion. All right, so >> [laughter] >> let's move on here.
So, let's go down here. I want to give you some direct information about the you know uh the DLT aspect of how they benefit from it, the small medium medium-sized banks.
So, it begins here. Distributed ledger technology has the exact architectural DNA uh needed to target structural pain points of smaller banks. In theory, it could drastically lower operational costs, eliminate expensive third-party intermediaries, and free up trapped liquidity. This is coming from the Bank of England. No I mean and that's not a surprise. We've read this from them many times.
I actually like the Bank of England. I don't know why they bent the knee recently.
I didn't understand that at all. But I mean they are a bank, they're part of that system, but there's a few things they've done that I actually respected like even their their take on tokenized deposits, telling the banks to utilize tokenized deposits at a time where they the banks were very very headstrong and strong-willed toward going into stablecoins. And I respected that cuz everybody else was saying stablecoins.
Now I'm like, "Wait a minute. They're not wrong. Tokenized deposits could work for you, but they bent the knee on that."
Um but at the time I respected that they took that stance.
So, anyway, this is coming from the Bank of England, So, now let's move on to another article here.
I have some more banking uh info, but I I don't want to make this video too long today cuz I know people are celebrating holidays, having fun, things like that.
And I hope you're having a great time.
This article is titled Chainlink reveals major expansion update across five chains.
Um you should know I'm super bullish on Chainlink, have been since I was super bullish on Solana. I just don't cover it all the time. I don't feel like I need to on some of these.
Um but this article begins here.
Chainlink expands key services across five blockchains boosting cross-chain adoption and interoperability. Chainlink has announced a major expansion of its core services including CCIP, CRE, data streams, and data feeds across five blockchain networks as Creditcoin, Neox, Tempo, and Ink.
I really like what Chainlink is doing.
They they've been very aggressive over the years.
And I like them because and and I have to say this, I felt like they followed in XRPL's footsteps. The XRPL and uh you know, I believe it was Ripple at the time was pushing uh XRP and XRPL infrastructures. In Australia, they were there first as an example.
Chain Then Chainlink Well, no, no. Then Hedera went there. I don't I haven't had an update on that in a while, but the Hedera's working with some bank in Australia. But I don't That's off the top of my head. Don't quote me on that.
I don't have an update on that.
Uh but I think Hedera was there second.
Then Chainlink came, but Chainlink went to Australia. They they were very aggressive working with some of the same banks that the XRPL is working with with a make which makes sense. All of these these bank coin chains work together hand in hand. They flow together, I mean, hand in hand.
They don't step on each other's toes.
And I'm not one of those people this coin versus that coin. I I don't understand that.
Um I've been taught since young to diversify. They taught us that not us.
I'm saying us like as if you were in school with me. But that's what they taught us in school in college.
Diversify.
So it's just it it it it blows my mind to see so many people be monolithic. I mean to each his own. I'm not and I mean no disrespect. But to be monolithic like this coin, that coin. Like no. No, I'm not going to do that. I'm going to have a little bit of gold. Let me get a little bit XRP.
Let me get a little bit of Chainlink, Solana.
Let me I'm going to diversify.
Increase the odds of something nice happening, which has happened many times, all right?
>> [laughter] >> So let's move on here. Chainlink has officially expanded its core infrastructure. We read that part. This multi-chain deployment pushes Chainlink's total secured value past a massive $110 billion milestone, reinforcing its status as the leading oracle provider for decentralized finance and institutional asset tokenization.
The rollout introduces a suite of core services including the cross-chain interoperability protocol.
I believe they covered that at the top already, so we don't need to go into that again.
You know, I will I will I'll read a little bit about these um these names they dropped cuz I'm not familiar with them. Creditcoin integrated CCIP to enable secure native cross-chain token transfers and messaging without traditional third-party bridging risk. Okay, Neox.
Deploy CCIP to ease the movement of tokenized assets and support multi-chain decentralized applications. Tempo activated CCIP infrastructure to scale flexible cross-chain operations and reduce transactional friction.
Ink integrated oops, I scrolled too much. Integrated CRE and advanced data feeds to provide developers with standardized frameworks for secure financial products.
Robinhood chain testnet initiated deployment of Chainlink data streams bringing low-latency real real-time market data transmission capabilities to trading and institutional experiments.
Okay. So, now let's move on here. So, now let's do a little bit of Bitcoin news. This article is titled SEC approves Nasdaq to list a Bitcoin index options on the exchange. The US Securities Exchange Commission has officially granted accelerated approval for Nasdaq PHLX to list and trade cash-settled Bitcoin index options.
This major regulatory milestone signals a deepening integration between traditional Wall Street infrastructure and digital assets. Yeah, they're rushing to get in.
They're not They're very wise when it comes to I'll be a cold-blooded, but they're very wise when it comes to money making. They're getting into the bank coins, they're getting into Bitcoin.
They're preparing for that explosion.
They're They're positioning themselves.
So, the approved options introduce a brand new way for equity traders to manage crypto exposure.
The contracts will trade under the ticker QBTC.
They are tied directly to the Nasdaq Bitcoin index, a benchmark tracking 1/100 of the CME of Bitcoin real-time index. The index updates with aggregate aggregated order book data from regulated venues every 200 milliseconds.
They are European-style options, meaning they can only be exercised at expiration. This removes any risk of early assignment. Okay.
The contracts are cash-settled in USD, no physical Bitcoin is handled, entirely eliminating direct crypto custody requirements for investors. I don't care what anyone says, I like to have the things myself.
I don't trust any of these companies whatsoever, in my humble opinion. I'm not saying in this one in this instance, but I trust my I trust myself more than I trust any of these institutions having anything like for for example, XRP. I wouldn't trust them with my XRP not at all. Not at all.
Just my humble opinion, all right, to each his own.
I mean no disrespect.
So, these are type of things where if I did dabble in it, I'm not saying I do, I'm not saying I'm not, but I would get in and get out as fast as possible. Whatever that means.
So, let's move on here. So, that's positive for Bitcoin.
Let's go here.
So, now we have another Bitcoin article.
And this one is titled, "Why is Bitcoin falling despite pro-crypto Kevin Warsh being you know, approved for the the Fed?"
Let's read this little tidbit here.
"Bitcoin's price declined to around $76,000 despite the swearing in of overtly pro-crypto Federal Reserve Chair Kevin Warsh is driven by macroeconomics being {quote} pro-crypto {unquote} on regulation does not mean Warsh will be dovish on interest rates.
That's true. I'm glad that This is coming from Bitcoin Magazine.
Good job.
Good job. That's very true.
That's That's the best I could say about that.
But I enjoyed that. It is very rare you hear someone with that type of mental, you know, apply that type of mental dynamic and and tell the truth.
But I I never understand why people feel like this one person is going to move a crypto price.
There has to At all times that I've seen there's like a a combination of conditions, the causes and effects. There's like conditions brewing, and then out of those conditions all of a sudden this cause rises up, a bunch of them.
And they start giving rise to effects.
And and then you get these explosions in price.
And it all comes together. It it may appear like something may be prominent, it may appear that one thing caused it, but it's not one thing. It was many. So, when I see like what is Oh, this one person got promoted or this one thing happened, I never say to myself, "Well, this is this is going to cause an an absolute explosion." Is there the possibility of a uptick in price in any of these things if something if one major thing happens? Sure, there's the possibility.
Uh but, once again, I think most of the time there's like a multi-pronged set of events going on at the same time, and they come together, and we just see the popular rise one. Uh and then you see the price go up.
But, let's continue on here.
It says, "While the crypto industry celebrated Warsh's historic appointment, I barely heard anything about it. I did I did see uh that he was promoted, but it wasn't even on a crypto website.
So, I don't know. I'm not very much in the loop when it comes to like communities, etc. So, perhaps they did celebrate. It says, "His strict macroeconomic policy stance and a deteriorating global environment have triggered an institutional sell-off."
I want to I want to insert manipulation.
I really do. Manipulate They're manipulating the markets.
That's why they they're investigating right now even certain entities and individuals for rigging the market, right?
Let's continue on here.
But, let's not But, they don't want to speak on that. I get it. That's that's a You don't want to stir up that hornet's nest and get stung, right?
During his confirmation hearings, Warsh told US senators he had not committed to cutting rates. He can't. I don't care who got into that position. I don't know this man, so I don't I don't feel this way or that way about him.
But, they have to be logical right now.
They do. They They have to take everything into account, and I'm going to tell you right now they have to take into account what the US Treasury is doing.
And there that's a powerful US Treasury right now. That is very, very cold-blooded.
Um I keep using that phrase because I I don't want to use another phrase. I want to say cut, but that's what they are, but I don't want to use that on here on YouTube.
Um no need to take any unnecessary chances, right? The CME FedWatch tool shows that traders are no longer betting on monetary easing. Instead, the market is bracing for the Fed to keep rates unchanged for most of 2026. Yeah, they could do that. Then that would be a safe That would be the safe play for them for their careers, you want to be honest.
That way they kind of they they're not open to be sabotaged if and I don't think that they're going to go against the US Treasury at all. I think you're going to see them do what they said, come into one accord, but just in case they wanted to deviate from the agenda, there can't be too much sabotage.
So, keeping it keeping things unchanged could bring a little stability, a little safety for them.
So, we'll see. So, but Bitcoin remains super bullish. I appreciate every single one of you.
You're great. You're amazing. All right.
I hope you're having a fantastic day. I hope your your body is healthy. You're looking after it. I can't tell you what to do. Not advice. I hope your mind is healthy. I hope you're looking after it and you're strengthening it. Strong mind tends to result in a strong body, and a strong body tends to result in a strong mind. You need both in balance, homeostasis, right? All [snorts] right.
So, I hope the best for every single one of you. Now that you have that information, what are you going to do with it? I know what I'm going to do with this. So, until next time, everybody, let's get to the money.
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