support: https://www.patreon.com/coffeezilla

disclaimer (updated May 2025): voidzilla is an opinion‑driven channel that comments on the news of the day under the satirical and rhetorically hyperbolic banner “CRIME IS LEGAL.” the phrase critiques what we see as a lax or uneven regulatory enforcement environment for fraud. unlike our affiliated channel Coffeezilla, which conducts detailed investigations and source‑document deep dives, and draws opinions from that, voidzilla offers rapid‑fire commentary and criticism on information already in the public domain. statements here reflect the host’s views at the moment of recording and may become outdated as facts evolve. references to “crime,” “fraud,” “scam,” or similar terms appear in a rhetorical hyperbolic context similar to “CRIME IS LEGAL.” unless we expressly state that a court has entered a final judgment, no segment should be read as a definitive finding of legal liability. viewers are urged to consult primary sources and form independent conclusions. production of this program is public‑interest commentary protected by the First Amendment and the Texas Citizens Participation Act (TCPA).

anyone featured in this program who believes a material error has occured may contact our business email with supporting documentation under the SUBJECT: “CORRECTION REQUEST”. we will promptly review substantiated notices and, where appropriate, issue corrections or updates.

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Ripple introduces the XRPL Lending Protocol, bringing institutional credit, tokenization, and lending to XRP Ledger. XRP becomes “productive capital” for banks, payment providers, and asset managers.

Ripple’s XLS-65 and XLS-66 proposals add on-chain lending infrastructure alongside payments, RLUSD, and tokenized assets. This breakdown examines how institutional credit, compliance, and capital markets could expand XRP Ledger’s role in regulated finance.

Timestamps
00:00 Ripple unveils the XRPL Lending Protocol
01:20 Why Ripple calls XRP productive capital
02:52 Understanding XLS-65 single asset vaults
04:22 How XLS-66 powers institutional lending
06:08 How XRP holders can provide lending liquidity
07:42 RLUSD and payment provider credit facilities
09:18 Market makers borrowing XRP and RLUSD
10:48 Tokenized real-world asset credit markets
12:12 Compliance, underwriting, and bank requirements
13:34 Halborn security audit and validator approval process
14:47 Coin Bureau on credit as infrastructure
15:33 What institutional lending could mean for XRP demand

If you follow XRP, Ripple, XRPL, institutional crypto adoption, tokenization, and digital asset infrastructure, this breakdown provides important context on Ripple’s latest lending framework, RLUSD, CoinDesk’s reporting, Coin Bureau’s analysis, and the expanding role of XRP Ledger in regulated financial markets.

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🔴 Full Legal & Regulatory Disclaimer
▸ https://docs.google.com/document/d/1T_wTsSkXDZqdgKDUOKfIEKF-a7ur2kX8gw-e3aAq_Q4/edit?usp=sharing

#XRP #Ripple #Crypto #Blockchain #CryptoNews #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrparmy #xrptoday #xrpupdate #cryptosensei

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Your CPF can be $4 million.

That’s what Christopher Tan told me, and he manages $1.8 billion.

Part 2 is here. (Haven’t watched Part 1? Start there: https://youtu.be/EKPqiYOiTbw)

In Part 1, I told you how my husband and I lost thousands before we worked out the basics. Those mistakes were my tuition fees.

Even after I knew what not to do, I still had no idea what to do.

Twenty insurance policies. A CPF account I’d logged into maybe twice, and never understood how to actually use.

So I sat down with Chris and asked him to explain money from zero.

His firm is the only one in Singapore paid a flat fee, never a commission. No product to push. No reason to lie.

I asked him: what’s the perfect money plan for an ordinary Singaporean?

It’s not investing that makes you rich. It’s your surplus. Investing just helps you stay rich.

In this episode, you’ll learn:
→ How the CPF Special Account pays 4 to 5%, near risk-free
→ The 1M65 strategy: how a couple can hit $1 million by 65
→ Why he has never invested a single cent of his own CPF
→ If even Warren Buffett can’t beat the market, what should you do?
→ The first thing to fix if you’re living payday to payday (hint: it’s not investing)

You’ll have a plan you can start this week.

This is a conversation, not financial advice. Your situation is your own.

==

DISCLAIMER
This conversation is for educational and informational purposes only. It does not constitute financial advice tailored to your individual circumstances. Before making any financial decisions, please consult with a qualified financial adviser who understands your personal situation. Past performance does not guarantee future results. Christopher Tan’s views are his own and do not represent personalized recommendations for your specific financial situation.

ABOUT CHRISTOPHER TAN
Christopher Tan is the CEO of Providend, Singapore’s first fee-only wealth advisory firm. He manages $1.8 billion in assets under management (AUM) and built his business around one simple idea: what if financial advisers only got paid to give advice, not to sell products?

That model lets him say what other advisers can’t.
And in this conversation, he does.

More about Christopher Tan:

Christopher Tan

FOLLOW SHULIN:
LinkedIn: https://www.linkedin.com/in/shulinlee/
Instagram: https://www.instagram.com/the.real.reason.pod/

==

Timestamps:

(00:00) Opening
(02:01) Why Chris has never invested his CPF
(03:39) The biggest CPF myth
(07:40) OA to SA: Can you move money to earn higher interest?
(10:50) What actually happens to your CPF at 55?
(15:14) What should a 25 year old do?
(19:54) 1M65: $1million in CPF by 65
(21:50) Chris’ advice for Shulin
(26:45) Start here before you even think about investing
(28:30) Is it still safe to invest with wars, tariffs, and AI disruption?
(30:22) Insurance 101
(35:10) Should you invest in gold?
(38:27) Property as an investment
(43:08) ETFs explained
(44:18) Stock picking vs ETFs
(50:10) When couples disagree on money
(55:13) Q&As from listeners
(59:56) Your surplus makes you rich, not investments

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Michael Saylor spent four years preaching never sell your Bitcoin. In June 2026 his company approved monetizing up to $1.25 billion of it, and the internet lost its mind over one word: sell. So let me say what nobody else will. Bitcoin does not need Saylor. It does not need Satoshi. It does not need me. He could sell every coin tomorrow and supply stays fixed at 21 million. Price may dip, buyers step in, it recovers. MSTR is a stock. Bitcoin is a protocol. One can fail. The other cannot.

#Bitcoin #BTC #Saylor #CryptoWala #BitcoinNation

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In 2007, thousands queued outside Northern Rock to pull their savings, and a year later Lehman Brothers collapsed and millions lost their jobs worldwide, so why are regulators quietly loosening the very rules they built to prevent it happening again? The capital buffers banks were forced to hold after 2008 are being trimmed in the UK and the US at the same time, but this isn’t about your current account disappearing. It’s about where that risk is quietly sliding to: a corner of finance that regulators openly admit they can’t even measure, and most people have no idea it’s happening.

✔️ If you want to learn more about investing, why not become a pensioncraft.com member? To find what we offer and how you can join our friendly community click here https://www.pensioncraft.com/investor-education/membership/

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🎧Check out our free weekly podcast “Many Happy Returns” on your podcast app of choice or at https://www.youtube.com/@ManyHappyReturnsPodcast

The Following Data Sources Help Me Create My Videos
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Our Affiliate Partners
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00:00 Intro
00:53 Northern Rock Misunderstood
01:59 Why Savers Queued
03:04 Post Crash Rulebook
04:40 Deregulation Cycle
05:49 Capital Buffers Explained
08:20 UK Rules Loosen
09:34 US Follows Suit
10:52 Where Capital Really Goes
11:48 Private Credit Boom
13:31 Leverage In The Plumbing
14:53 Is 2008 Repeating
16:48 Stay Watchful Checklist
18:52 Protect Your Deposits
19:49 Final Thoughts

Where Else You Can Find Me
https://pensioncraft.com/
Posts by PensionCraft
https://www.facebook.com/pensioncraft/
https://www.linkedin.com/company/pensioncraft

Take A Look At Some Of My Other Videos
📹 Investment For Beginners playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TcG9QNlRJ_QjI8iX_q_I8jo
📹 Investing For Retirement playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TcWFuRd51gkPyAGleZRvGcN
📹 Investing With Vanguard playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TfMV4S_51E_zmbMio4UNBtM
📹 Portfolio Building Blocks playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TdRdp-hLnL5oxsaRjJZVSyn

DISCLAIMER
All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results.

If you need financial advice, Unbiased, the UK’s leading online directory of financial advisers, can connect you to an Independent financial advisor for free. Additionally if you use our link to register with Unbiased, your first consultation with a financial adviser is free. https://imp.i337888.net/c/4012142/1936845/11746 (This link provides you with a special offer and we will also earn a small commission)

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The Powerhouse Roundtable breaks down the latest news on “This Week.”

–––

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To get free fractional shares worth up to £100, use the promo code TILBURY or visit https://www.trading212.com/join/TILBURY. Terms apply. *This is an affiliate link.

Get a FREE weekly email from me filled with money tips, and access to my personal inbox:
https://www.marktilbury.com/newsletter

Get a FREE AI-built Shopify store in less than 2 minutes: https://www.buildyourstore.ai/mark-tilbury

Reminder: With investing, your capital is at risk.
________________________________________________
BOOK LIST:
00:00 Intro

00:43 Level One: $0 to $100,000
00:58 40. Secrets of the Millionaire Mind
01:22 39. The Psychology of Money
01:56 38. The Magic of Thinking Big
02:23 37. The Winner Effect
02:55 36. Think and Grow Rich
03:25 35. Unscripted
03:44 34. The Essence of Success
04:12 33. Atomic Habits
04:44 32. The 7 Habits of Highly Effective People
04:58 31. The 12 Week Year
05:14 30. The Art of Getting Things Done
05:31 29. Essentialism
05:50 28. So Good They Can’t Ignore You
06:08 27. The Unfair Advantage
06:33 26. Mastery
06:43 25. Steal Like an Artist
07:07 24. Rich Dad, Poor Dad
07:31 23. The Compound Effect
08:02 22. The Little Book of Common Sense Investing
08:40 21. The Intelligent Investor
09:10 20. One Up on Wall Street
09:40 AD BREAK

10:32 Level two: $100K to $1M
10:52 19. Cashflow Quadrant
11:15 18. The 4-Hour Work Week
12:04 17. Zero to One
12:28 16. Disrupt You
12:50 15. The Lean Startup
13:15 14. Blue Ocean Strategy
13:44 13. Oversubscribed
14:09 12. Breakthrough Advertising

14:24 Level three: $1M to $10M+
14:35 11. Influence: The Psychology of Persuasion
15:05 10. Never Split the Difference
15:16 9. How to Win Friends and Influence People
15:30 8. Pitch Anything
15:58 7. Start With Why
16:41 6. The 48 Laws of Power
17:10 5. The E Myth
17:39 4. Profit First
18:04 3. Good to Great
18:33 2. The Fourth Turning
18:48 1. The changing world order
________________________________________________
Disclaimers:

This video does not represent financial advice, and I am not a financial advisor. When investing, your capital is at risk. Investments can rise and fall and you may get back less than you invested. Past performance doesn’t guarantee future results. Images used throughout the video are for illustrative and educational purposes only, not indicative of past or future performance.

Pies & AutoInvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions.

212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface.

*Trading 212’s terms and fees apply – https://www.trading212.com/terms/invest.

Some of the links in this description are affiliate links that I get a commission from.
________________________________________________
GET IN TOUCH:
For business inquires only, please use this email: mark@marktilbury.com

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Uphold – Best Place To Buy XRP:https://uphold.sjv.io/b3v0Kv

First ledger: https://firstledger.net/?ref=viacD0HE9uvj

X: https://x.com/xrpmickle

Merch!
micklemarkets.myspreadshop.com…

Donate me some XRP 🙂
rDxBFHhgGKYKphFEtoyNvEmujC3ATGRqmN

Become a supporter of Mr. Mickle!
https://www.youtube.com/channel/UC-wi…

#ripple #XRP #Bitcoin #xrpnew #crypto #cryptocurrency
Best crypto to buy now. Best altcoin. Top crypto now. What is Ripple? What Is XRP? How much XRP do you need? How much XRP? XRP Coin. BTC Coin. What just happened to XRP and Ripple. Ripple IPO. When Will Ripple IPO. RLUSD. What is RLUSD

The information contained on YouTube or the Mickle Markets YouTube Channel (“Channel”) is provided for general informational purposes only. The information provided is not intended to be a substitute for professional investment, tax, accounting, or legal advice. Mickle Markets (the “Company”) is not engaging in services as a securities brokerage, investment advisor, tax, accounting, or legal services provider to the viewers of this website, nor is the Company extending any solicitation or offer to the viewers to sell or buy any cryptocurrencies or securities. The viewers should engage their own professional qualified financial, legal, or tax advisor. The Company is not liable to the viewer for any possible claims or damages arising from any decision they make based on the content of YouTube or this Channel. The viewers’ use of YouTube or this Channel and any reliance on the information contained therein is at the viewers’ own risk. The Company makes no representation or warranties about the accuracy or completeness of the information contained on this Channel or YouTube. Any testimonials or descriptions of past trading experiences published on this Channel or YouTube are not typical, not indicative of future results or performances, and are not intended to be a representation, warranty or guarantee that similar results will be obtained. Any links or references to external sources are provided solely for convenience and do not necessarily imply that the Company endorses, sponsors, promotes, or is affiliated with the external sources.

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Buy & Sell Crypto With iTrustCapital
https://www.itrustcapital.com/xrparmy

The video “IMF SDR Update: The XRP Reserve Scenario” by Digital Asset Investor discusses bullish signals for XRP and broader crypto/tokenization trends.

The host highlights rising XRP Ledger activity (daily active addresses surging despite range-bound prices) as a key leading indicator that has preceded past bull runs, echoing sentiments from analysts like Brassan of Black Swan Capitalist. He explores IMF Special Drawing Rights (SDRs) and potential XRP reserve roles in a evolving global monetary system, while featuring clips on gold-backed stablecoins (suggesting Ripple could issue one like RLGld to boost XRP liquidity) and Judy Shelton’s ideas on hybrid USD/gold instruments. Additional topics include City’s trillion-dollar tokenization outlook by 2030 (potentially underestimated), institutional needs for clear regulations like the Clarity Act, Ripple’s charitable initiatives, and political notes on Trump’s memecoin income. The video promotes services like iTrustCapital and Wyoming trusts, framing these developments as part of an imminent positive shift for XRP and digital assets, with a disclaimer that it’s for entertainment only.

Wyoming XRP Trust Attorney
http://xrpattorney.com

Subscribe To My Adventure Travel Channel The DAI Experience
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Open A Caleb & Brown Account(Institutional Custody & A Personal Rep)
Click Here: https://xrpwealth589.com

Become An Official Member Of The Digital Asset Investor Channel
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Digital Asset Investor Email
digitalassetinvestor2018@gmail.com

#xrp #ripple #bitcoin #ethereum #litecoin
#paid #promotion #sponsorships The above links are either affiliate links or paid promotions and deals.
___________________________________________
Disclaimer:
I am not a licensed financial advisor. All videos on this channel are intended for entertainment purposes only. You should not buy, sell, or invest in any asset based on what I say in these videos. You should know that investing carries extreme risks. You could lose your entire investment. This is not trading advice and I am in no way liable for any losses incurred.

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#xrp #bitcoin #cryptonews #news #investing #money

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iTrustCapital Representative:
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✔️My Website with all my affiliate links (Bydfi, BTCC) where you can get access to the Whale group – https://moneymakeravilev.kit.com/f54fe06808

The new stock channel – https://www.youtube.com/@moneymakerstocks2311?sub_confirmation=1

The new Facebook page – https://www.facebook.com/profile.php?id=61589052874467

The new Telegram group, join here, it is open and FREE to all – https://t.me/+LoW1GDD5rOI1YjM0

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DISCLAIMER: Avi Lev, including but not limited to any guests appearing in his videos, are not financial/investment advisors, brokers, or dealers. They are solely sharing their personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment and educational purposes. There are financial risks associated with investing, and Avi Lev’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor(s), and conduct your own due diligence
Some of the links are affiliate links

COMMENT DISCLAIMER: I WILL NEVER CONTACT YOU IN ANYWAY (ON ANY PLATFORM). IF YOU GET CONTACTED BY ANYONE CLAIMING TO BE ME, IT IS NOT ME. FOR EXAMPLE, COMMENTS SHOWING WHATSAPP NUMBERS ARE NOT ME. ADDITIONALLY, PEOPLE HAVE THE ABILITY TO CALL YOU USING AI TECHNOLOGY SO IT SOUNDS LIKE ME. THIS AGAIN IS NOT ME. NEVER WILL I CONTACT YOU IN ANY WAY. PLEASE DO NOT CLICK ON ANY LINKS IN THE COMMENT SECTION BELOW. DO NOT RESPOND OR INTERACT WITH ANYONE ON ANY PLATFORM CLAIMING TO BE ME OR WORKING ON MY BEHALF – THEY ARE SCAMMERS.

This video is for informational and entertainment purposes only. It does not constitute financial, investment, or trading advice.
I am not a financial advisor. All opinions expressed in this video are my own or those of the individuals referenced.
You should always do your own research and consult with a licensed professional before making any financial decisions.
Cryptocurrency investments carry risk, and past performance is not indicative of future results.
The mention of any price targets, predictions, or market commentary should be understood as opinion — not fact or guarantees
The company’s services and content are not directed to, and are not intended for,residents of Israel
This channel provides global crypto market analysis and educational content in English. Our content is created for a global audience and is NOT intended for, marketed to, or directed at residents of Israel. All content is for informational purposes only and does not constitute financial advice.

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