We focus on digital assets with 'Utility Value' solving real world problems which are forming the foundation of the new financial system being built on blockchain.
Accumulating these assets early positions you for a potential upcoming wealth transfer...
We focus on the ISO20022 aligned assets primarily XRP and XLM with a real world use case of payments. However also recognizing the importance of being agnostic to the wider range of assets available and having a balanced approach to the broader market.
We the people have never had an opportunity to invest into payments. The payments industry is the biggest industry we have, therefore our focus is on XRP and XLM closely followed by HBAR and XDC.
An example of a diversified digital utility asset portfolio.
We recommend a significant holding of XRP because...
*NOT FINANCIAL ADVICE.
(updated July 2025)
Both BTC and ETH have been the top 2 cryptocurrencies for many years. However what problem are they solving? The real world problem we the people face today is the global monetary policy or in other words the banking system?
We're focused on digital assets with Real World Utility and what blockchains will be used for Tokenization. The digital assets considered to be aligned with the ISO20022 messaging standard have utility for moving value cross-border. BTC is now being targeted for a store of value and ETH has scalable competition from XDC and Algorand....
I like to educate first and then propose a portfolio based around utility assets which align with ISO20022 along with Basel III and why this is important. These assets include XRP, XLM etc...
BTC, ETH, SOL which are more widely known also play a role in a portfolio and have their use cases which include collateral, smart contracts, NFT's and memes. I applaud anyone who has started this journey, I enjoy helping with my suggestions with an already existing portfolio or what to start with.
ISO 20022 is just a message but it's the backbone to the new monetary policy we're moving towards and supersedes the archaic technology of SWIFT.
In a nutshell it's a global open standard for financial messaging, providing a common language and therefore standardization and interoperability between financial institutions. Allowing for more detailed information within payment messages, improved data and efficiency.
Allowing payments to run on NEW PAYMENT RAILS (XRP, XLM etc) utilising compliant blockchains...!
It's just a messaging system!
SWIFT - Society for Worldwide Interbank Financial Telecommunications which powers the majority of international money and security transfers.... Anyone who has transferred value cross border has most likely needed a SWIFT code which is the message for the transfer only, not the liquidity!
For me the global monetary policy is finally coming back to being backed by precious metals. I believe the store of value will be in Gold and Silver utilizing XRP and XLM. This is fundamental to our system moving forward, we need a commodity backed financial system...
RLUSD is a stablecoin issued by Ripple Labs to provide liquidity. Maintaining a 1:1 value with the USD backed by USD deposits, short-term US Treasury Securities and cash equivalents, currently running on XRPL and Ethereum.
Stablecoins run on distributed ledger technology (DLT) or blockchain rails with speed, efficiency, accuracy and reduced fees in comparison to the fiat payment rails which are in fact the exact opposite.