Marcus Rowan

@snelson_brian @VincentSco72192 good stuff man

@MarcusRowan20 @VincentSco72192 Thanks bro, I have it and skipped over the seed phrase part. 3 cards. I use xaman a little too.

Reminder The bastards DM you about Storing with QFS? ARE SCAMMERS STORE WITH LEGIT COMPANIES I personally use xaman (no one pays me to say this, its just the truth) QFS IS A SCAM

I know people that use tangem and never have had any problems. They like the fact its just a card, not like typical cold wallet devices. Most important thing with any wallet is not to import seed phrases, don't type seed phrase online or anywhere else, and be cautious of scam emails/text messages

@snelson_brian @MarcusRowan20 has researched it alot more in depth I personally feel comfortable with the app and defense in depth it provides

@prayforthekidz right on

@MarcusRowan20 Banks can, they chose not to. Their greed is what's holding this up. For years, instead of giving the consumer a % for keeping your money in their bank, they lent your money 5 or 6 times over and collected interest on all of those loans. F these banks.

Biggest catch with the Clarity Act for the banks is the stablecoin yield. Why? Because their deposits would go elsewhere an they would be in trouble

XRPL is a permissionless blockchain that allows multiple entities to issue tokenized assets, including stablecoins pegged to stores of value like commodities, or baskets of assets. Unlike centralized systems, XRPL enables trustless, peer-to-peer transactions and automated market makers for seamless swaps between assets. Issuers compete by offering stablecoins backed by transparent reserves with users able to judge them on merits such as resistance to arbitrary "debanking" (e.g., freezing accounts without due process like a court order), regulatory compliance, yield potential, and redemption reliability. If an issuer behaves poorly—say, by censoring users or mismanaging reserves—holders can instantly swap to a better alternative via XRPL's built-in decentralized exchange (DEX), eroding the bad issuer's market share. This setup fosters a "vote with your wallet" dynamic, where users' ability to exit freely incentivizes issuers to maintain sound practices. For instance, if one stablecoin issuer debanks users without a court order, it risks mass exodus, similar to how consumers abandon brands in competitive markets. The backing of the unit of account becomes a key differentiator: stablecoins might be collateralized by over 100% reserves in tangible assets, audited on-chain for transparency, unlike fiat currencies prone to inflation. Over time, this competition could lead to more stable, value-preserving money supplies, as issuers who over-issue or debase their coins lose credibility and users. Governments fund deficits largely by issuing debt (e.g., Treasury bonds) denominated in their fiat currency, like the U.S. dollar (Fed notes). The Federal Reserve's monopoly on money creation allows indirect monetization of debt through quantitative easing or inflation, which erodes purchasing power but makes borrowing cheaper. If people shift en masse to competing stablecoins—preferring them for payments, savings, and trade due to better stability and freedom from government control—the demand for Fed notes diminishes. This shrinks the market for government debt: fewer buyers for dollar-denominated bonds means higher interest rates to attract investors, making it costlier for governments to borrow and spend recklessly. Essentially, the fiat monopoly breaks, forcing fiscal restraint to avoid default or hyperinflation. Ban of the CBDC In this scenario is essential as a the government couldn't issue competing digital fiat to recapture users. This levels the playing field for private stablecoins on platforms like XRPL, accelerating the shift away from Fed notes and amplifying the debt market contraction. Without CBDCs, governments are "disallowed from participating" in the digital currency race, leaving private issuers to dominate and enforce market-driven discipline. This mechanism aligns with historical precedents of free banking eras where competition limited over-issuance and promoted stability without central oversight. In today's crypto context, it could democratize money, reducing reliance on inflationary fiat and indirectly capping government overreach

First Go read ron pauls book liberty defined and End the Fed Human Action by Ludwig von misses The prince by Machiavelli The law Frederic bastiat Emperors handbook by Marcus Aurelius Nichomachean ethics Aristotle Art of war by Sun Tzu What i am telling you is to develop a lens upon which information is sorted and classified I cannot vouch for anyone I dont know personally @MarcusRowan20 does great informative videos on crypto and ripple located in his highlight tab He is a friend of mine and i vouch for who he is and what side he is on Ours

JUST IN: 🇺🇸 US Senate votes to include banning Fed Central Bank Digital Currency in bipartisan housing bill.

Licensing wins keep stacking! 🇦🇺 75+ licenses worldwide and counting. Compliance is how we scale.

@Favwontmiss Do 75 hard. Completely resets your mindset and builds great discipline. I did it my sophomore year in college and has definitely helped shape who I am

I wanna get addicted to getting up early, hitting the gym, and eating healthy like y’all, what’s the secret?

BREAKING: Nvidia, $NVDA, is planning to launch an open-source AI agent platform called NemoClaw, allowing enterprises to deploy AI agents for their workforces, per WIRED.

3 continents, 4 global office visits, 5 days. Crossed too many time zones to count... Recently, @MonicaLongSF and I (along with others on the Ripple leadership team) traveled to Dublin, London, Singapore and Sydney to meet with the Ripple Team (many of whom joined from our acquisitions of GTreasury, Hidden Road, Rail, Palisade and Solvexia). A few notes from the road - 1/ centers of gravity (business and/or employee) are never stagnant, and getting out of the US coastal mindset is imperative. It was incredibly energizing to hear from new and longtime Ripplers on what moves the needle where they are. 2/ Culture cannot be taken for granted. More than ever, we’re championing a maniacal focus and eliminating bureaucracy for employees to be owners. Don’t confuse activity with progress. 3/ Adoption doesn’t happen overnight. Platforms > point solutions. Meet customers where they are, not where they might be in a couple years. 4/ AI is becoming a fundamental part of our products – especially in cash forecasting and liquidity management in real-time for the office of the CFO. Employee productivity may be where AI starts, but the end goal is much bigger. 5/ 2026 is shaping up to be another defining year. We’re in the right markets with the right capabilities across payments, custody, liquidity and treasury management. There's a huge opportunity ahead, and we are making sure XRP is at the center of it.

@ChadSteingraber in Lauderdale for the week. Would love to pick your brain! Let me know if you’d like to grab lunch/dinner, on me!

Finance-related job openings are collapsing: Finance and insurance job openings fell -117,000 in December, to 134,000, the lowest level since February 2012. Available vacancies in these sectors have dropped -410,000, or -75%, since the 2022 peak. Openings are now even lower than at the 2001 recession bottom. By comparison, the largest monthly decline during the 2008 Financial Crisis was -125,000. As a result, the finance and insurance job openings rate fell to 1.9%, meaning fewer than 2 out of every 100 jobs in the sector are currently vacant, the lowest since February 2010. Excluding the 2009-2010 lows, this is the lowest rate recorded this century. The finance industry is bracing for more layoffs.

Thanks for listening

When in DC

your bank takes 3 days to send money across borders. stablecoins do it in 3 seconds for $0.02 and yet people still think crypto has no use case.

JUST IN: 50% of college graduates are working jobs not requiring a degree

The banks are NOT the good guys. Never have been. They created a cartel by meeting in secret, forming the @federalreserve. They created the perfect business model: socialize risk while privatizing profits. When they make greedy and bad decisions - the government bails them out. My political opponent @EdMarkey loves the banks and they love him. He voted to bail Wall Street out while Main Street went bust. It’s also why he voted no on the Genius Act and why he’ll vote no on Clarity. Help me defeat them: johndeatonforsenate.com/meet-john

Let me make this very clear: Big Banks (think JPMorgan Chase, Bank of America, Wells Fargo, etc.) are lobbying overtime to block Americans from getting higher yields on their savings—while trying to block any rewards or perks from being given to customers. These banks, and others, pay rock-bottom rates on standard savings (often 0.01%–0.05% APY), even as the Fed pays them 4% or more. This massive spread fuels record profits, with almost none passed back to their customers / everyday depositors. Today, the banks are desperately targeting crypto/stablecoins, where platforms plan to offer 4–5%+ yields or rewards. The ABA and other lobbyists are spending millions trying to ban or restrict those yields via bills like the Clarity Act, crying “fairness” and using words like "stability"—when it's really about protecting their low-rate monopoly and preventing deposit flight. This is anti-retail, anti-consumer, and straight-up anti-American. Next time you see a big bank dropping billions on a shiny new Midtown Manhattan HQ, you know exactly where that money comes from: the non-existent interest rate they “pay” you! Fortunately, the big banks are losing this fight as customers wake up to the games… @worldlibertyfi

An extremely pointed message from @POTUS to those who are dragging their feet on CLARITY. This is, and always has been, about what’s in the best interest of the American people.