Some of the big banks are in big trouble. Some don’t even know it. Some have chosen to turn their head and ignore the modernization of payments. Why would they do that? Performance bonuses tied to quarterly earnings and annual performance. It’s not cheap to modernize. Several large players are getting in the game late and utilizing $FI and $FIS to upgrade from cobalt. Those 2 companies stand to do well throughout the upcoming transition. The Clarity Act Much of the public still does not truly understand the gridlock troubling big banks: A. Move to a digital based ledger system for stable-coins and lose the cash cow that is fractionalized lending. For every $10 taken in they lend $9 back out. Rinse and repeat. Fat margins. Nice fees. What do they gain? The ability to capture more clients, but that may be status quo. Not only that, but their treasury loses the ability to park massive amounts of cash to earn. Why? Because stablecoins need to be backed 1:1 by US treasuries, t-bills, and cash. They get double whacked. That requirement absorbs cash from their balance sheet. B. If they don’t move over to the new system—there will be deposit flight in general, because when you can clear in 4 seconds or less, for less than a penny, it’s attractive. it’s especially sexy in a liquidity crisis or preparing for a liquidity crisis—there certainly will be substantial flight. Now here’s the thing — because the $USD along with other major currencies has been losing significant value, the Basel requirements have been raised aggressively to insure against systemic losses and insolvencies. So new Basel requirements create more idle cash, too. Damned if you do. Damned if you don’t. Clarity becomes the problem because the banking lobbyists let the Genius Act slip by them due to clever language. Because the Genius Act is here, the banks NEED Clarity Act. But they don’t want to let go of the robust, fat margins of decades past. If they don’t get Clarity Act—the boys: JPM, CITI, STATE, BofA several others… then they’ll be pinched entirely and money will route to Japan from corporate clients/enterprise business — they’ll be unable, legally, to participate. Japan could end up as the new Wall Street depending on how it all plays out. If law passes, JPM is set up best with JPM COIN and Kinexsys. Their business will actually increase to some extent due to the velocity of money in their ecosystem. THE LEFT has no idea what they are doing as they are blinded by Trump rage. This is going to be a week. If you like my account, please repost and share why you think my account brings value to you. If you don’t, it’s simple - don’t. But I’ll tell you this, it’ll be a week to remember and I’m going to bring the goods this week, topics include: • How Amazon will use the XRPL and Ripple is a client of Amazon, MSFT and Google • How the US GOV. will use the XRPL and what $RLUSD will become • The relationship between X Money, Ripple Core, Cross River Bank and their shared code and API’s

I was bringing attention to unusual activity on my account for a long time and was pretty much ignored. Now I wonder if I was actually right about it.

Nope. Fraud vitiates their certification.