Crypto's Future: Interledger, XRP, and The Race for 'All The Money'

Everybody loves to be dramatic in the crypto space. We understand that. But when they say we're going for all of the

money, you've heard that phrase time and time again. Interledger Protocol, all of the money. We're coming for it. This is

the asset class to swallow. Everything else. And then you got to wonder who does Elon work for? If he if he doesn't

work for anybody, it's creepy. If he if we think he secretly works for somebody, it's also creepy and more sinister and

kind of scary cuz that dude's on the island. He's lying about it. Lutnik was on the island. He lied about it. He just

got caught red-handed. All of them all of a sudden don't know anything. But listen to this. Very coincidental.

>> Uh for X Money, we're uh we actually had X Money uh live in closed beta within the company. Um and we expect in the

next uh month or two uh to go to a limited uh external beta and then to go worldwide to uh all X users. And this is

really intended to be the place where all the money is the the central source of of all uh monetary transactions. So

it's it's a it's really going to be a gamecher. Um and uh the reason we say 1 billion users is actually over a billion

users is that uh while our monthly users are on average around 600 million, the uh number of people who have the X app

installed is well over a billion. It's just that most people only occasionally come to the X app when there's some

major world event. But as we give people more reasons to use the the X app, whether it's for communications uh for

uh Grock or for uh X money, whatever the case may be. Uh we we want it to be such that if you wanted to, you could live

your life on the X app. >> Yeah. And as we make it more and more useful, we'll obviously give people

reasons, compelling reasons to use the app every day. Um, and have, my expectation is well over a billion daily

active users. >> So, very interesting. We had been blowing

the horn on this for a couple of months now that this is going to deploy this year. Now, he's always very ambitious

about his timelines. He just pivoted from, oh, we're not going to Mars anymore. Now, we're going to the moon.

We're going to build a moon base. all this [ __ ] the the the Roadster, all the stuff he promises. So, if he says one to

two months, I'm giving all these guys a buffer zone by the end of the year. But hearing him

say one to two months, just also coincidentally lines up around when they're talking about the Clarity Act

getting passed. Yet again, they say just they just say stuff and they're wrong every single time. You got to wonder

intentionally. So, I think that's interesting. One to two months, Patrick Wit floated out

April. this other guy, Scaramucci, floated out the end of March. Around this time, they're talking midterms are

rolling up. And then I'm seeing other analysts in and things draw parallels to other midterm years and usually on a

downtrend. The Fed rate cuts are up in the air because Kevin Worsh's nominations up in the air. People are

rooting for Judy Shelton. She's got like 5% on poly market. I would prefer Judy Shelton, but I think that deep state

apparatus, any of those guys connected to the Big E and floated around in those files a lot like Kevin Walsh kind of is

too, more than the average person to say the least. But the mission, the mission, stellar, I mean kind of the whole

shebang of crypto, bank the unbanked, all the money. You know how much all the money is? It's

all the money. And people still think, "Oh, we're going to be stuck at this 2 point whatever 2.6

trillion market cap for crypto. You kidding me? DTCC getting involved. All this money. We're going to have touch

points with all this money at some point. And you better be ready for it. And you better not blow it on scratch

tickets and [ __ ] Not financial advice. Yesterday at XRP community day, I think Luke Judges or Jack McDonald, he's kind

of their stable coin guy, announced that here we go. Yay. Binance has now XRP ledger issued asset support by listing

RLUSD from the XRPL for deposits and soon withdrawals. A massive door opener thanks to RUSD for the entire XRP

ecosystem. That's huge, dude. That's huge. Binance is massive. Say what you will about CZ. He's definitely been up

to some interesting activity throughout the years to say the least, but this this is huge. This was huge. I thought

this was going to take a lot longer than um they were leading on when they said, "Oh yeah, it's it's on Ethereum on

Binance and the XRP. We'll get to it later." That's how I thought they said it with that little Steph [ __ ] but

that's uh that opens the door. Here we go. I'm going to get that tattooed on me. All the money.

>> So, I I like some people have heard me say this before, but I'll throw it out to the audience. What is Interledger's

total addressable market size? >> $7. >> All the money.

>> All of it. >> Nobody wanted to Nobody wanted to feed it. Um, yeah, it's all the money because

what we're really talking about with this idea of the internet of value is creating a single global payment network

that connects literally everyone and processes maybe not 100% but 90 plus% of all the money. That's what we're talking

about. for X Money. We're we actually had X Money live in closed beta within the company. Um and we expect in the

next month or two uh to go to a limited uh external >> Dude, it's We just played this clip.

It's He has the company to do this. He's talked about this everything app forever. He's connected to the PayPal

mafia. He's got touch points with Teal Sachs, Hoffman, even more of these guys. Jed Jed's space company in him. Stellar.

You look at that Economist magazine. It looks like the Stellar logo. Yet, maybe these are just coincidences, but how

many coincidences do there have to be in a row in a row before

this is uh just like we're justified in digging a little bit deeper under the hood. To see Elon stand in front of a

planet and the entire planet is circled out with his technology is a little spooky. A little spooky. Hopefully, he's

a good guy. Um, but then you see him and he's he's kind of vibing with BB. I'm not saying nothing about that, but

that's interesting. He's in the files. That's interesting. Okay, that's interesting. I don't trust people

anyway, especially billionaires cuz they just they're in a different reality, bro. Clearly, there's two tiers of

justice. The people in the files and those are just the public ones. The people probably even ri most likely even

pulling the strings are above that guy. He's like the fall guy. And everyone's everyone's like, yeah, distracted with

all that kind of stuff. Galane's Galain's sitting there pleading the fifth. You got to look at who her dad

is. You got to be careful what you say on YouTube. I didn't say any of that. It's CG. This is just this is heating up

big time. Just co coinciding with when they are floating it out to get the Clarity Act passed cuz also they're

they're making a really big deal about this America 250th birthday. They emphasized it. They emphasized it heavy

at um New Year's Eve and they're doing some crazy like Fourth of July shebang, all this stuff.

It I've just I've seen that floated around a lot that people think the change

or the super uplifted market, whatever like the really good thing for us is, they float that around that he wants to

get it done before then and especially midterms. So, we're kind of at max pain, dude. Not the video game fear and greed

index. We're at five. You go any lower, we're going to go into negative digits. So, the these are the buying

opportunities always in my mind. Never financial advice. I've been around the show. Whenever you see people on crypto

uh Twittering crying beyond belief, do it might be time to buy. Monica Long, speak your truth. Last thing, Monica,

you >> if you had to define the moment in 2026 for Ripple and XRP in a few words, how

would you describe it? >> Um, I would say institutional adoption at scale.

>> Institutional adoption at scale. Okay. >> Yes. I love it. >> That's my We'll We'll revisit that uh

December 31st to see how it played out. Yeah, 100% amazing. Well, thank you Monica for taking last.

>> Dude, this is so crazy seeing Monica Long and Ripple in like a X space with just these random things like this

dude's like teenage Rick. What the This guy's like a frog with a construction hat. This is just so it's such a funny

site. But she she was um I don't know if Brad spoke again after his kind of introduction to the

community day going on, but hers was an interesting listen and I have to catch up on I think Schwarz was on there

talking obviously more the technical side of it all. We also got to ask like why did he just leave or retire or

whatever but he's still kind of involved but why why even why do that? I thought that was an interesting move. Who knows?

Maybe he wants to go out and fish all day, but something in my mind, I don't know. Feel like something might be up

with that a little bit. Yeah. So, Monica was talking about they've been on defense, bro. They've been on defense

for the last however many years that when they got caught up with Gary and all the other just just uh forces

against them. Obviously regulation is a huge one, but she she kind of emphasized a little bit in the full thing talking

about all the recent European licenses and she's going those are all customers that we can now get on board and she she

it's a domino effect now that they got Aviva. You you start getting these dominoes and then the FOMO amongst those

guys when all the money starts kicking in because then it gets validated. Oh, Aviva's on there. Oh [ __ ] why are we

not on that? What are we going to get left in the dust? that element of it starts picking up which good for us in

the end. It's going to take a little bit but everyone needs to stop crying. David chimed in. He's been on this thread

communicating with what's this guy's name? Let's see. Uh Vince Le Vince Libido. What the hell? I'm not going to

go through the whole thing, but talking about XRP's missing block and all this [ __ ] So David, since co-creating the

XRPL, have you worked on or thought about working on developing Bitcoin again? And he goes, "Not really. I think

Bitcoin is largely a technological dead end for the same reason the dollar is. The technology just doesn't seem to

matter all that much to it its success, at least not in the blockchain layer. You cooked with this one kind of, bro.

it this the reason it's going to do well in the future if it continues to do well is because too many powerful people

opposition essentially that's why and just flooding the masses look who the f the typical FOMO cycle drive them all in

all that [ __ ] um you really got to wonder did you see a lot of early whale wallets moving and

[ __ ] all right whatever it doesn't necessarily mean everyone's jumping ship you see how sailors kind of were if

Sailor goes down and strategy goes down or faces some serious [ __ ] going on. I mean he is infamous for losing $6

billion a day and I don't know that's that's going to do some hard damages to Bitcoin at least

the price and also just coincidentally the narrative is has been opening up more and more of the aperture of showing

Big E's involvement in it and a lot of the early developers and it's not doesn't necessarily sound like the the

single story of this single guy who made it. You got Shimoth and uh CZ on their podcast and they're talking about oh

yeah I mean just the the privacy reasons like Bitcoin like it just it doesn't even have that you know like you need

privacy for certain transa like it's not used as money. Jack Dorsey's out there trying to make it be used as money,

which shout out to him. He's trying to do it. But you think of this future, I don't know. You think of this

dystopian or really cool cyberpunkesque future of bank the unbanked digital currency, intergalactic currency. It

like you got to think long term. If this show really does somehow manage to keep going down the road, every I mean, every

year since the dawn of time, people seem to think it's the end of the world, but then somehow we come back. But if the

robots don't wipe us out, whatever. Is Bitcoin going to be the intergalactic currency? Is Bitcoin going to be the

true future of finance? Is it going to be the true store of value amongst people? Is it? And that's just my

question. Oh, but it Oh, but Bitcoin's been resilient for [ __ ] like 15 plus years now.

I don't know. I mean, that's a fair point and I have witnessed it always come back when the

sentiment is, "Oh, this thing's dead." And Peter Schiff comes out of his hole every single time. Oh, Bitcoin's dead

this time. And then we always seem to come back. But is that guaranteed forever?

I don't know. We have we have essentially a better version of Bitcoin technologically wise. I always think of

the John McAfee clip. Show me where. He's got his glasses on. He's freaking out. Show me how you put a [ __ ] smart

contract on Bitcoin. Oh man, please tell me you're not. Please tell me you're not. This stupid man. He's talking to

the kid, the Asian kid, I think. And he's sitting there. He's like he's kind of getting nervous cuz John's getting

hyped up. The permission decks, the permission domains, the native lending, hex trust, Doppler, Flare, name all

these guys. Yield is the name of the game. When they open yield for all this [ __ ] it's GG. Like a legit yield.

Schwab's coming in crypto trading. Ono just made a giant move with chain link and ETH. Whatever. I want them all to do

well because I have touch points with all of them. Ideally, I'd want all mine to do well. You know, I think I'm

positioned pretty well. I got to get more chain link and and I got to learn more about Hideera. I see a lot of very

powerful names in Hideera's corner. And it's interesting that it's it's not blockchain. It's the different kind of

technology. The name's skipping me right now. Um I want some chain link. I want some Hideera. I'd like some Quant, but I

think I'd rather position in Hideera and link before. I want the things that have the CME products and the ETFs.

That's what I want. But that's just me. Are Ripple plans to utilize the permission decks? The the Where is it?

The permission decks provide. Can we not do that? Oh, he made me lose my place, man. Trying to Hey, this is

one take, guys. Hit the like button on the video real quick. It helps out the video. Subscribe. Turn on all

notifications. You know the drill. The permission DEX provides a compliance focused on marketplace for FX and

liquidity, enabling institutions to route payments efficiently across currencies. By combining shared

liquidity with policy enforcement, it delivers low costs, instant local payout, and reduce settlement risk.

Ripple plans to utilize permission decks as an onchain ledger mechanism for asset conversion within payment and the

treasury flows including crossber payments, B2B transfers, and stable coinbased settlement. At a high level,

Ripple routes the conversion step of these flows through a permissioned order book where only verified liquidity

providers can participate. So depending on available liquidity in the pricing, the conversions may execute directly

between assets or route across intermediate pairs settling atomically on XRPL.

How about that one? How about that one? And they want to be running all their business operations through this thing

ideally because they [ __ ] benefit. For example, in a USD Colombia corridor, a payment funded in RLUSD can convert on

ledger into a COP denominated asset via permission to liquidity after which the the payout partner redeems locally

through existing rails. If the pricing were most favorable via an alternative trade route, that path would be executed

instead. In an ideal world, you might want to make you might want to make your

ecosystem the most favorable route. Ideally, ideally you'd want all the money to be

rolling through there. And the more money you get on there, more liquidity you get on there over time, like more

expensive price comes more efficient. David David at Schwarz. It can't it can't necessarily be dirt cheap. If it's

if it's going for a po a large chunk of all that money, the price can't stay cheap. Utility has to kick in at some

thing. People are freaking out in the comments on some of these videos. Every time Ripple makes a giant announcement,

the price never moves. The whole what was that? The whole market is still tied to Bitcoin. Unfortunately.

Unfortunately. I know. Oh, boohoo. You can't use that excuse, Mike. Bro, it's the liquidity pony. We don't have any

liquidity in this market right now. When we go from 3 trillion down to 2.6, 2.7, the whole market's not going to move.

It's going to go down. Whatever the reason it's gone down is, whatever, it does what it does. At the end of the

day, once the liquidity starts coming back, then the price moves. So yeah, I mean these these [ __ ] things aren't

moving the price, but if you haven't noticed, all of these companies, literally all of them are doing giant

deals and announcements and partnerships every single day. Chain link andondo just had a massive one. Google is

partnering with some of these guys. Like you we we see it on multiple different projects and none of them are moving.

Some people will say Canton has kind of stayed steady or green in the green kind of standing against them and that's

interesting to me. That's very well worth it. I would also like to have some of that in my bag. Um but yeah, none of

them are really moving. None of them are really moving. So then you got to sit there and you really got to wonder why.

And then Goldman comes out last year or just now, but they showed Q4 last year. They're sitting on fat stacks of

Bitcoin, Ethereum, their main shebang. XRP Salana. XRP slightly more than Salana for their holdings.

That's Goldman. That's that's one guy. That's one of the giant guys we just saw. You don't think the rest of them

have been kind of doing that? You don't think they're going to keep doing that as the technology grows? Everyone's

sitting here crying, "Oh my god, it didn't move. It moved up a penny. We're going for all the money." Are we

not? Are you guys not going for all the money? cuz I would like to be on the train or the projects that are at least

trying to get a get a nice chunk of all that money. You know, whatever whatever is able to do that, I would like some

exposure to. Oh, look, a personal invite from Howard Lutnik to Jeffrey Epstein regarding attending a very intimate

fundraising event with Hillary Clinton at the can at the Cantor Fitzgerald offices on November 11th, 2015.

This just gets crazier. And what's also worrisome a little bit too is in the beginning we were just kind of or me I

I'm skeptical of everything. So I'm going are these emails even real? Like how why are these guys talking about

even using this sort of means to communication with your exact name on it. It's just odd to me to do all these

nefarious things via email. Yeah, they maybe used code words like pizza. Let's go to the [ __ ] pizza party. Yeah,

okay. That's very worrisome. Out of all the pictures and the the vast amounts of talking about beef jerky and pizza in

the files, out of all the images and videos released, I've yet to see any of them at a pizza party. Isn't that odd?

Thousands and thousands of photos. I never seen the one. They loved pizza so much. They ate it every [ __ ] week.

They love it. They love the pepperoni pizza. They love all that [ __ ] You never see him at at Freddy Fazbears.

Does that Does that not ring any sort of alarm bells? This [ __ ] lied that he never had any sort of We said in the

beginning, look at that guy's um origins and his story and who he's connected to. Dude, we are at the the tip of the

iceberg. Literally, you know how much more crazy shit's going on that we will never probably get to the bottom of. Or

maybe this is the Is this the thing that takes it all down? Because we need whatever that

event actually is to to to have the Phoenix rise. Bro, is it war? Is it this? Cuz some people like this isn't

even just an America thing. People are forgetting. This is the This is global. Some people from other governments are

maybe being held accountable, but they got their feet held to the fire. This this is g this is a global thing. This

is not just America. America seems to be the only one where no one's touched at any sort of capac at least yet, which is

interesting. It's interesting. You know, I mean, there's a lot of other people who are not going to be touched, but

who is in control of who and what gets redacted? Whoever is calling that shot is the person

calling the shot. You get what I'm saying? Cuz this is crafting a certain reality and throwing certain people

under the bus. Like they looked at this page and certain pages where they're going, "Oh, I give you authorization to

kill this guy." That was like some one of the emails, but they redacted who sent it. So, who

I don't know. I don't know. Interesting. From Lutnik. Okay. From 5:30 p.m. to 6:30

a.m., I guess, or PM. Who the [ __ ] knows? 1 hour. Matthew. Interesting. I would like to invite you to attend a

very intimate fundraising event with Hillary Clinton. Very interesting. At the Cantor Fitzgerald offices. He goes,

I'm Yeah, I'm divested. I'm divested from my business dealings. Really? Because I saw a clip of you not too long

ago on Anthony Pompino talking about Bitcoin and how Bitcoin needs to be not as a currency and as a commodity. So

when you push it on these other countries and everything, their monet they don't feel like their monetary

systems threatened. He goes, "You make it a commodity and then and then it's it's all smooth." He he talks like a

used car salesman. the the the the dismissive nature in which he talks and every time Donnie even brings up the

files, he's got his whole entourage of just goofballs and corrupt and disgusting people potentially. But then

he just starts laughing. Who knows? It's interesting. All interesting all of it digital perspectives. One more time for

the people on the struggle bus. Stablecoin yield is merely a proxy war by the banks because the real issue is

about the death of fractional reserve lending banks. We can't trust we can't issue loans at a 10 to1 ratio because if

we issue the loan in stable coins it must be backed 1:1 or a surplus. Yeah. Yeah. Exactly. You should have the

money that you say you have. No. No. They don't want that. Banks are saying, "Look, you know, the the crypto

platform should not be able to pay customers to to take money out of their, you know, traditional banking accounts,

their deposit accounts, and and putting in the in the crypto platforms." That's a that's a real allure, paying customers

with rewards, and and those companies don't have the same regulations that the banks face. So, what's your take on

that? What kind of regulations are are you uh looking for for the crypto platform so that it is in fact a a fair

playing field? Well, I think the the question is is all around yield and um and and those

rewards and and how do you have the balance where you have rewards in the crypto space that aren't going to be uh

disadvantageous to banking and in particular how to ensure that bank banks can compete uh in a way that's uh that

that's going to be advantageous for them too. This is a whole new world and we need to ensure there's great competition

and great opportunity. For me, the the the issue is that if uh the banks are holding stable coins, there's a question

of of how the lending ratios are going to work and whether uh the communities can still have the amount of loans to to

small businesses. So, that's a particular focus where if deposits are even in the the community banks and

stablecoin that uh that they won't have the same lending capacity. So, there's a set of balancing uh considerations and

uh and I think that's the debate that's going on right now. The White House is deeply involved, which I think is a is a

good step. >> Yeah. Because the White House being involved is always a good thing. It's we

we have to pay attention to what the mainstream media is purporting and what it has been purporting. You keep your

eyes on that and you can I don't know you can get a a smell a sniff as to where this is all headed. I've

reiterated this before. Now for months now it's been this. At least Fox Business. It's been this. It's it's no

longer been Bitcoin, Ethereum, and the Salana show. At least here the these are what they show and they've been very on

top almost every day in regards to talking about this clarity act and this pushing this issue. This is the the only

issue Maria is trying to get across is Brian Armstrong and getting yield for us for our benefit. Okay,

that's the narrative. So what's the real narrative? you know, like this is okay. This is a part of it,

but there is I don't know. There's always a spin to whatever these people are purporting. I mean, it's a very

complex issue. Of course, there's going to be way more. We saw the document uh that Eleanor posted the other day that

at the secret meeting, secret door, secret meeting, they're handing out the flyers between the banks and the crypto

guys and the they're like, "Our red lines. What aren't our red lines? We need to get this." So hopefully by April

we can make something happen. Guys, hit the like button, comment, subscribe, turn on notifications, all notifications

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