Nasdaq’s drive to tokenize equities could reshape capital markets by introducing a two-tier landscape where regulated US exchanges sit alongside blockchain-based trading venues. A TD Securities note suggests the move may create parallel systems capable of splintering trading activity and producing price differences across platforms as tokenized stocks gain traction.

The bank’s analysis highlights Nasdaq’s parallel push, joining NYSE’s tokenization efforts, to advance three main tracks: modernizing post-trade settlement for tokenized assets, enabling issuances of tokenized shares, and extending trading to offshore venues such as Kraken. Taken together, these efforts could lead to a split market where one stream operates within the traditional US regulatory framework and another on offshore, blockchain-enabled platforms.

TD Securities cautions that offshore venues—while backed by real securities—could escape the American regulatory perimeter. If tokenized shares trade on these platforms, prices could diverge from those on standard US venues, complicating price discovery and potentially siphoning activity away from established exchanges. Cointelegraph reached out to TD Securities for comment but did not receive a response in time for publication.

Key takeaways

• Nasdaq’s tokenization strategy comprises three parallel efforts: post-trade settlement upgrades, tokenized equity issuance, and offshore trading support on platforms such as Kraken.
• The initiatives could yield a two-tier market: a regulated US market and an offshore, blockchain-based trading ecosystem, with potential price differentials between venues.
• Tokenized equities are gaining real traction, as shown by Kraken’s xStocks platform, which has surpassed $25 billion in cumulative trading volume and grown about 150% since November.
• Trading across multiple venues may create 24/7 access and broader round‑the‑clock liquidity, but it also introduces new risks around activity concentration and inconsistent pricing.
• Industry context shows broader momentum: Coinbase expanding tokenized stock offerings and NYSE’s collaboration with Securitize to explore 24/7 tokenized securities, signaling growing competition for traditional equity trading.

Nasdaq’s tokenization roadmap could redefine how equities are traded

The TD Securities note frames Nasdaq’s tokenization ambitions as a triad of initiatives designed to integrate blockchain-based trading into mainstream markets without waiting for a single, wholesale overhaul of market structure. First, settlement modernization would adapt clearing and custody processes to handle tokenized shares more efficiently after trade execution. This is a prerequisite for reliable, scalable on-chain settlement that can coexist with existing post-trade infrastructure.

Second, Nasdaq is examining mechanisms to issue tokenized shares themselves, potentially enabling corporate issuers to digitalize equity ownership in a way that can be traded on both traditional venues and compatible blockchain networks. Third, the exchange is said to be exploring offshore trading opportunities, effectively enabling tokenized equities to be traded on platforms outside the domestic regulatory perimeter, with Kraken cited as an example of such a venue.

Taken together, these moves imply a market where the “same” stock could be represented and traded across different rails. In practice, that means investors might access tokenized versions of equities in a 24/7 framework outside normal exchange hours, while the same underlying share remains available through standard US listings during regular hours.

For market participants, the implications are twofold. On one hand, the potential for continuous liquidity and new liquidity pools could improve access and price discovery in certain scenarios. On the other hand, the emergence of parallel offshore venues raises questions about regulatory alignment, investor protection, and the coherence of pricing across ecosystems.

Markets adapting to tokenized competition and regulatory risk

Today’s crypto-enabled trading ecosystems already feature a growing set of tokenized equities, with traders increasingly engaging a broader, cross-border audience. Cointelegraph reported that Kraken’s xStocks platform, which provides tokenized versions of publicly traded shares on blockchain-based venues, has surpassed $25 billion in cumulative trading volume, reflecting around 150% growth since November. The momentum underscores a real appetite for around-the-clock access to equities in a tokenized format, even as traditional venues continue to operate within their established hours and rules.

Behind this expansion sits a broader industry trend: the push by major exchanges to experiment with tokenization while contemplating how to regulate, govern, and ultimately integrate these assets with existing equity markets. The NYSE, for its part, has been pursuing tokenization through a partnership with Securitize to develop a platform for tokenized securities that could support extended or non-traditional trading hours. This collaboration mirrors a wider market push toward an “everything exchange” model, where tokenized assets compete for space alongside conventional securities.

From an investor perspective, the emergence of multiple venues tied to the same underlying asset could alter how portfolios are constructed and how risk is assessed. If tokenized shares trade at different prices across regulated and offshore platforms, traders may need to track multiple price signals and navigate potential arbitrage opportunities. The prospect of 24/7 trading, while attractive for liquidity and access, also introduces new layers of risk—especially if regulatory guardrails diverge between venues or jurisdictions.

Regulators will likely weigh the benefits of broader access and innovation against the need to preserve investor protections and market integrity. The current conversation highlights a tension between accelerating tokenization and maintaining a cohesive, transparent market framework. As market participants deploy more tokenized offerings, observers will be looking for alignment in settlement standards, custody controls, and cross-venue price discovery mechanisms.

Beyond Nasdaq and NYSE, other industry players have already begun positioning for tokenized trading. Coinbase has pushed into tokenized stock offerings as part of an “everything exchange” strategy, signaling a competitive push from crypto-native platforms into equity trading. In parallel, NYSE’s collaboration with Securitize points to a broader ecosystem of tokenized securities designed to enable more flexible trading paradigms, including around-the-clock access that challenges traditional market hours.

What remains uncertain is how regulators will reconcile these parallel rails. Will there be harmonized standards for settlement and custody across on-chain and off-chain venues? How will investor protections translate when trading occurs on offshore platforms? And how quickly will price discoveries across venues converge or diverge under a regime of tokenized equities?

In interviews and briefings, contributors like Reid Noch of TD Securities emphasize that while tokenization promises to broaden access and liquidity, it also introduces new complexities. The coming months are likely to bring more concrete regulatory guidance, clearer cross-venue interoperability standards, and perhaps pilot programs that test tokenized trading in controlled environments before any broad rollout.

As the market digests these developments, investors and traders should monitor several cues: the pace at which settlement and custody workflows adapt to tokenized assets, the degree of cross-venue price convergence, and the regulatory responses that could either unlock or constrain offshore trading activity. The balance between innovation and oversight will shape how tokenized equities evolve from experimental concepts into mainstream instruments.

Readers should watch for updates from Nasdaq and NYSE on timing and scope of tokenized trading pilots, along with any new clarity from US regulators on cross-border trading and tokenized securities. The coming months could reveal whether tokenization simply augments existing markets or fundamentally reconfigures how equities are priced, traded, and owned.

TLDR

• Tether has launched XAUt on BNB Chain to expand access to its tokenized gold product.
• Binance has listed XAUt for spot trading against USDT, BTC, USDC, TRY, and U.
• XAUt holds a market cap of about $3.2 billion and is backed by roughly 1,800 gold bars in Swiss vaults.
• Spot gold reached $5,595 per ounce in January before falling to around $4,450 on March 26.
• Crypto.com now offers tokenized gold perpetual contracts alongside spot trading in XAUt and PAXG.

Tether has launched XAUt on BNB Chain to expand access to its tokenized gold product. Binance confirmed it will list XAUt for spot trading against USDT, BTC, USDC, TRY, and U. The move places tokenized bullion inside one of the largest exchange ecosystems as gold trading activity shifts into crypto markets.

XAUt and Tether Expand Tokenized Gold Access

Tether introduced XAUt on BNB Chain to widen the distribution of its gold-backed token. The company aligned the launch with Binance’s spot listing announcement. As a result, traders can access XAUt across several major trading pairs on the same day.

Binance stated it would enable spot trading for XAUt against USDT, BTC, USDC, TRY, and U. The exchange added the token to its main trading platform. Therefore, users can buy and sell tokenized gold within existing crypto portfolios.

BNB Chain reported that XAUt holds a market cap of nearly $3.2 billion. The network linked the token to about 1,800 gold bars stored in Swiss vaults. Reuters reported in January that XAUt controls about 60% of the global gold-backed stablecoin market.

BNB Chain ranks as the second-largest chain for RWAs by distributed asset value, according to RWA.xyz. The network also said it attracted new asset inflows and holders over the past month. Consequently, Tether gains broader onchain reach for its bullion-backed token.

Gold Price Swings Drive Crypto Market Activity

Gold prices recorded sharp moves earlier this year and drew fresh trading interest. Spot gold reached a record $5,595 per ounce in January as geopolitical tensions increased. However, prices later reversed direction and erased part of those gains.

Gold traded near $4,450 on March 26. The metal has fallen more than 15% since the war on Iran began on February 28. Higher oil prices, inflation concerns, and a stronger dollar pressured prices during that period.

Crypto platforms responded to the volatility by expanding gold-linked products. Crypto.com said its exchange now supports tokenized gold perpetual contracts. The platform also offers spot trading in XAUt and PAXG.

These products allow users to gain leveraged exposure to gold price movements around the clock. As a result, tokenized bullion now sits alongside traditional crypto assets. Traders can switch between digital tokens and gold exposure within the same exchanges.

Paolo Ardoino described the BNB Chain launch as a utility-driven step. He said the expansion aims to make gold more usable in digital markets. The rollout coincides with Binance activating spot trading for XAUt across multiple pairs.

Avalanche price is grinding around $9.70 as a U.S. “digital commodity” label, fee and subnet upgrades, and growing RWA and ETF activity push fundamentals ahead of AVAX’s stalled chart.

Avalanche (AVAX), the native token of the Avalanche Layer‑1 smart contract network, is trading at about $9.67 today, with 24-hour spot volume around $226.7 million and a market capitalization close to $3.88 billion. Yahoo Finance data show AVAX closing at $9.6793 on March 26, 2026, after opening near $9.67, continuing a tight range that has persisted for several sessions. CoinGecko lists daily trading volume near $1.01 billion when aggregating spot and derivatives, representing a 61.30% increase from the previous day, suggesting renewed activity even as price remains rangebound.

Price history from CoinMarketCap places Avalanche’s recent closes between $9.17 and $9.75 over the first week of March, with March 6 seeing an open at $9.3838 and close at $9.4534, underscoring how the token has spent much of the month pivoting around the $9–$10 zone. Investing.com’s historical series similarly shows AVAX closing at $8.99 on March 22 after trading between $8.93 and $9.34 that day, with 5.19 million AVAX changing hands. Put together, the tape shows a large‑cap L1 in consolidation rather than in a trending phase.

Beyond the chart, Avalanche has logged a string of structural developments in March. Phemex notes that Avalanche was formally described as a “digital commodity” by the U.S. SEC and CFTC on March 17, 2026, a designation that clarifies its status alongside assets like Bitcoin in certain regulatory contexts. In parallel, CoinMarketCap’s latest Avalanche update highlights a recent upgrade that implemented three proposals: ACP‑226, allowing validators to dynamically adjust minimum block times; ACP‑204, adding support for the secp256r1 cryptographic curve used in Apple’s FaceID and TouchID; and ACP‑181, which stabilizes the validator set for short periods to reduce gas costs and improve cross‑chain reliability. CoinMarketCap’s analysis notes that these changes are intended to make Avalanche faster, cheaper and more secure, particularly for mobile users and cross‑chain applications.

These improvements build on the earlier “Octane” hard fork in May 2025, which reduced subnet deployment costs by approximately 83%, cut the minimum base fee by 99.6% and introduced dynamic fee algorithms to prevent spam in periods of high demand. Together, the upgrades frame Avalanche as a high‑throughput L1 with a scaling strategy centered on subnets—custom, application‑specific blockchains that require AVAX for staking and fees.

Avalanche’s longer‑term growth thesis is increasingly tied to subnets and real‑world asset (RWA) tokenization. Yahoo Finance previously reported that the Avalanche Foundation committed 4 million AVAX—valued at around $290 million at the time—to attract gaming, DeFi and NFT projects to its subnet ecosystem, via the “Multiverse” incentive program. CoinMarketCap’s Avalanche updates also reference the Evergreen Subnet initiative for institutions and RWA partners such as BlackRock and Securitize, which are working on on‑chain products that would settle on Avalanche infrastructure. Binance’s recent deep dive points to more than 75 active subnets, a $40 million Retro9000 rewards program, and the launch of a Nasdaq‑listed AVAX treasury firm and spot AVAX ETF as signs of growing institutional involvement.

Despite these developments, WazirX’s March 2026 outlook characterizes AVAX as technically weak but fundamentally supported, identifying $10 as a key support‑turned‑resistance level and outlining a medium‑term consolidation band between $9 and $11. Within the broader L1 landscape, Avalanche’s sideways trading near $9.70 stands in contrast to the more explosive moves seen in smaller altcoins, but resembles a common pattern among major smart‑contract platforms where on‑chain fundamentals improve ahead of price. For real‑time data, readers can track AVAX on the crypto.news market‑cap dashboard via the Avalanche price page, and compare it against other large L1 tokens such as Ethereum and Solana on their respective price pages.

The SEC faces its final deadline today on the remaining batch of spot XRP ETF applications, and with $1.44 billion already flowing into XRP funds and Goldman Sachs holding the largest institutional position at $153 million, the xrp price prediction hinges on whether that institutional capital wave finally arrives at scale.

While XRP waits for one more catalyst, attention shifts. The exchange that raised more than $8 million with verified tools already running is where investors are choosing to position before the listing. The XRP outlook shows strength in the infrastructure, but Pepeto with 100x projected by analysts offers the kind of return that XRP at $1.34 needs years to match.

The SEC reaches its 240 day maximum deadline on March 27 for the remaining spot XRP ETF applications from Grayscale, WisdomTree, and Franklin Templeton, with $1.44 billion in total inflows and Goldman Sachs holding $153 million as the single largest institutional allocation, according to CoinDesk.

Bloomberg analysts place the odds of at least one approval before year end at 95%, and the SEC commodity classification on March 17 removes the final regulatory obstacle, according to The Block.

The xrp price prediction benefits from ETF clarity, but the exchange already at presale pricing with a Binance listing confirmed is where the compressed return lives.

Where the ETF Catalyst Meets Presale Returns Before Trading Opens

Pepeto

XRP ETF volumes are rising, which shows institutions still enter crypto infrastructure even when prices swing. But sentiment flips fast and holding one token without protection exposes you to every shift.

That is why Pepeto stands apart. It is not a bet on one coin recovering but on giving traders verified answers in every market. The exchange raised more than $8 million at $0.000000186, and wallets are buying access to tools that help them make verified decisions.

The xrp price prediction may show strength, but the risk scorer checks every contract before your capital touches it, PepetoSwap handles every trade at zero fees, and the cross chain bridge sends tokens at zero cost.

Inside the platform, the contract scanner, the real time risk checker, and the zero cost bridge all run from one fast verified exchange with 193% APY staking compounding early positions while stages fill faster. The SolidProof audit verified every contract, and the developer who created the original Pepe coin reaching $11 billion with the same 420 trillion supply built the exchange alongside a former Binance expert.

If crypto keeps growing, the need for verification only grows with it, and the demand for Pepeto grows alongside. Getting in before that demand becomes obvious is where 100x lives.

XRP Price Prediction: Can XRP Break $1.60 Before the ETF Decision Lands?

XRP trades at $1.34 as of March 27 forming a tightening ascending triangle with the SEC ETF deadline arriving today, according to CoinMarketCap.

The xrp price prediction puts resistance at $1.45 then $1.55, with a break above $1.60 opening the path to $2.00. Support holds at $1.30 with $1.10 below if the triangle breaks down. Standard Chartered set the 2026 target at $2.80, citing rotation away from XRP. Weekly ETF inflows dropped from $200 million at launch to under $2 million by early March.

The XRP forecast for the year ranges from $2.50 to $4.00 if the CLARITY Act passes, but even the bullish case is a recovery play over quarters, not the 100x the presale delivers from one listing.

XRP Price Prediction Confirms the Pepe Cofounder Plus Exchange Tools Plus Binance Listing Is the Rarest Combination

The SEC ETF deadline landing today barely moved the price despite $1.44 billion already inside XRP funds, and that tells you where attention shifts in 2026. The real returns flow into early exchange infrastructure built before the listing.

Pepeto crossed $8 million with verified tools running and a Binance listing confirmed. Retail traders finally get exchange level tools at presale pricing, and early wallets get the full distance between this entry and the listing.

The Pepeto official website is where the Pepe cofounder plus exchange tools plus a Binance listing creates the rarest combination crypto produces, and entering before the listing is how you collect what the rest of the cycle references.

Click To Visit Pepeto Website To Enter The Presale

FAQs:

What does the xrp price prediction show after the SEC ETF deadline?

XRP targets $1.60 as the breakout trigger with $2.00 above if the ascending triangle resolves bullish, while $1.30 holds as support.

How do the latest XRP developments affect the market?

XRP ETFs pulled in $1.44 billion but weekly flows dropped to $2 million, and the commodity classification has not yet attracted the institutional wave. The Pepeto official website is where verified exchange tools at presale pricing offer stronger near term returns.

What are the key xrp price prediction levels right now?

XRP consolidates in a triangle with $1.45 and $1.55 as resistance, $1.30 as support, and Standard Chartered targeting $2.80 for 2026 if the CLARITY Act advances.

Disclaimer: This is a Press Release provided by a third party who is responsible for the content. Please conduct your own research before taking any action based on the content.

TLDR:

• Kalshi launches a formal market request pipeline to meet growing institutional investor demand.
• ARK Invest partners with Kalshi to list prediction markets aligned with its investment research.
• Live markets on Kalshi now cover non-farm payrolls, deficit-to-GDP ratios, and business KPIs.
• Crowd-sourced prediction markets are becoming alternative data signals for major financial institutions.

Prediction markets are gaining traction among institutional investors, and Kalshi is now at the center of this shift. The platform has partnered with ARK Invest to list markets used in investment research and analysis.

Tarek Mansour, co-founder and CEO of Kalshi, confirmed the collaboration publicly. Several markets are already live, covering non-farm payrolls, deficit-to-GDP ratios, and business KPIs. The move reflects growing institutional appetite for crowd-sourced financial signals.

Kalshi’s Formal Pipeline Now Serves Institutional Demand

Kalshi has been witnessing a steady rise in institutional interest in prediction markets. To address this, the platform developed a formal market request pipeline for institutional partners.

This pipeline allows institutions to work directly with Kalshi to list relevant markets. The structure gives major investors a standardized way to access crowd-sourced economic data.

The partnership with ARK Invest is one of the earliest collaborations built through this pipeline. ARK Invest, known for its research-driven approach to disruptive innovation, is using Kalshi to support its analysis process.

Through the pipeline, ARK can request specific markets aligned with its investment focus. This creates a direct link between institutional research needs and market creation on the platform.

Mansour took to X to confirm the partnership and outline its scope. He wrote: “As institutional adoption of prediction markets grows, Kalshi is seeing increased demand for a formal market request pipeline to help investors leverage the wisdom of the crowd.” He added that ARK Invest is actively working through the pipeline to list markets used in analysis.

The collaboration also points to a wider pattern among financial institutions. More investors are turning to prediction markets as alternative data sources for decision-making.

These markets aggregate collective public intelligence around key economic events. Kalshi is positioning itself to serve that growing need at an institutional level.

Live Markets on Kalshi Already Supporting ARK’s Research Process

Several markets created through the ARK partnership are already active on Kalshi. Non-farm payroll markets are among the live options available to investors today.

Deficit-to-GDP ratio markets and business KPI markets are also accessible through the platform. These give institutions a real-time, crowd-sourced view of major economic indicators.

Non-farm payroll data is one of the most closely watched monthly economic figures. A prediction market around it lets institutions gauge crowd expectations before official government releases.

This forward-looking signal can help firms calibrate their strategies more accurately. ARK Invest is actively incorporating this data into its research process.

Deficit-to-GDP ratio markets offer macroeconomic visibility that traditional data providers rarely surface. Tracking this ratio helps investors assess long-term fiscal sustainability trends.

A crowd-sourced market around it gives institutions an independent read on public sentiment. That kind of alternative signal is increasingly valued in institutional investment circles.

Mansour closed his post by noting “more to come,” suggesting additional markets are being planned. Kalshi appears set to grow the pipeline and bring more institutional partners on board.

The platform’s ability to convert research needs into live markets sets it apart. As institutional adoption of prediction markets continues to grow, Kalshi’s pipeline model may become a standard tool for major investors.

Opinion by: Samuel Owusu-Boadi, founder of WellsForAll

Over the past decade, crypto philanthropy has exploded. From a niche experiment to a transformative force channeling billions into global causes, crypto philanthropy’s moment has arrived.

According to data from The Giving Block, crypto donations exceeded $1 billion in 2024, proving that blockchain-based giving is now a legitimate, more transparent (in theory) and efficient alternative to traditional charity fundraising. While these figures show momentum, scale alone does not equate to success, especially in philanthropic projects across Africa.

Across the African continent, many crypto philanthropy initiatives are designed as moments — token launches, non-fungible token drops and campaigns designed to generate attention, capital and optimism in short bursts. These hype cycles rarely account for what happens after the launch window closes. No long-term systems are built to facilitate continued investment and oversight.

Why is this an issue? Public good projects cannot function on hype cycles. They require assets that endure for decades, with maintenance schedules, governance structures and local accountability.

There is no shortage of donation campaigns for philanthropic projects in Africa. What is lacking is long-lasting infrastructure. When philanthropy is structured around visibility rather than durability, the result is predictable: short-term relief followed by quiet failure.

The transparency illusion

Crypto philanthropy evangelists often point to blockchain’s transparency as a solution to these shortcomings. Onchain records can show where funds move, when they move and who authorized them. As valuable as this type of insight is, it is also incomplete.

Transparent records alone solve little without tangible truth on the ground. A transaction hash cannot confirm that infrastructure remains functional, that communities continue to benefit or that maintenance funding still exists. Blockchain systems can record intent, but they cannot verify tangible outcomes in the projects that crypto philanthropy seeks to enable. Academic research has highlighted that while blockchain may improve traceability, it does not automatically guarantee accountability or effect without additional systems that sit beside or within it to link the two.

Without on-the-ground presence and continuous oversight, onchain transparency risks becoming nothing more than performative in its credibility. Accountability must exist where the physical infrastructure exists, which means establishing frameworks outside of the distributed ledger that can track and measure tangible outputs. If effect is only measured at the transaction level, the most important question in any philanthropy project goes unanswered: Did lives meaningfully improve?

Ignoring local ownership makes failure inevitable

This gap between digital transparency and physical reality becomes more frustrating when projects are designed without the input from the communities they aim to serve. Many crypto philanthropy initiatives are conceived and executed by teams that have never visited the regions affected by their decisions.

Without local leadership overseeing these projects, responsibility evaporates once funding slows. Infrastructure that lacks community ownership will deteriorate quickly. Without clearly defined custodianship and locally managed maintenance resources, even well-funded projects deteriorate once initial enthusiasm fades.

At times, crypto-backed charitable initiatives in Africa treat local ownership as a cultural nicety, or an afterthought, rather than the heart and soul of the project. Communities must co-manage and protect assets if those assets are expected to survive. Projects that treat beneficiaries as end users rather than stewards inevitably collapse.

Charity tokens create dependency instead of dignity

Considering these observations, it becomes quite clear that most charity tokens and crypto fundraising models are designed to deliver temporary relief. They perform well at mobilizing attention and capital quickly but struggle to support systems that operate year after year.

Shifting the aim toward structural infrastructure enables philanthropic projects to function as a type of economic infrastructure, where longevity and sustainability are properly accounted for, and not merely as a charitable intervention. When clean water systems, schools or clinics remain operational over long periods, they reduce dependency rather than reinforce it.

Related: Ripple commits $25M to US school nonprofits

Dignity emerges not from receiving aid, but from creating systems from that aid that truly stand the test of time and endure.

Without long-term operational thinking, projects inadvertently recreate the very dependency dynamics they claim to disrupt.

Repeated failure harms the entire crypto industry

The consequences of these failures extend beyond individual projects. Whenever an initiative collapses, or public trust in a crypto-backed charity project erodes, not only is the power of philanthropy questioned, but so is belief in blockchain itself. With these failures, skepticism toward future crypto-powered initiatives only gets louder.

Africa experiences this damage the most. Failed experiments leave behind broken infrastructure and weakened confidence, making it harder for responsible models to gain support and traction. Philanthropy should never be treated as an experimental case study or showcase for blockchain technology. When human well-being is at stake, failure is not as abstract as we like to think.

For the crypto industry, this represents a credibility challenge. If blockchain is to play a meaningful role in global development, it must demonstrate discipline, restraint and accountability — not novelty for its own sake.

Maturity, not abandonment

With all this being said, is it time to abandon crypto philanthropy projects? Certainly not. Crypto advocates often highlight the advantages of digital assets in philanthropy, including borderless transfers, reduced transaction costs and immutable records. These benefits are real and largely undisputed.

For blockchain to contribute meaningfully to sustainable effects, then it must be treated as governance infrastructure rather than a marketing fundraising function. That means prioritizing local ownership, multi-year planning, maintenance funding and accountability frameworks that extend beyond the ledger.

Until crypto philanthropy builds systems instead of hype, it will continue to fail the communities it claims to serve.

Opinion by: Samuel Owusu-Boadi, founder of WellsForAll.