Moment In Time Flip Book - Volume 1 {2020}

love to see happen right now. But it does kind of worry me that those guys are fighting a little bit. And when I mentioned this on Twitter, somebody said, well that is why they bought MoneyGram? You know, I think the MoneyGram partnership is not going to have legs over the next year, as regulation comes in. And as banks are able to do what we wanted MoneyGram to do as a switcher, on behalf of the banks, I think that partnership is going to wane. I really hope the R3 thing grows and tokenization and dtcc, all of these things get me so psyched and excited. Because man, when you talk about all of the money, it's ridiculous. The other thing I forgot to mention was when I FOMO’d in that time, the first thing I saw, about XRP, which I hadn't even bothered to look, was that there were 100 billion tokens, oh my god, I nearly fainted. I thought what I bought into something with that amount of supply, I really am an idiot! Well now on the other side of that fence I’m thinking 100 billion really isn't going to be enough. I mean, the price is going to be up there. I'm not a price predictor. So I have no idea what sort of levels we get to. But it's going to be substantially higher than where we are now. Those are some of the great things that are potentially going on at the moment.

There's been a lot of speculation also, that ripple may be getting a banking license. I don't think that's going to happen either. And I'll tell you why. Because for all the NDA’s, that ripple has signed I do also think they probably sign non-compete agreements also. I don't think ripple can, sign up a Bank of America and then directly compete with them. So, I don't think ripple becomes a bank. But it's very interesting to see what Brian Brooks has been doing at the OCC, giving other FinTech companies banking licenses. I mean, that's exciting. And that's a huge change, and a huge challenge to the system as it stands. I do think that having regular banks involved initially from the customer's point of view, but as we go forward, you know, from an active offering point of view, it is going to change this market substantially. Like I mentioned, I'm ex Wall Street, we had trading books, well in excess of a billion dollars and thought nothing of it. You know, nowadays, that's chump change. And so, believe me, the financial muscle that wall street can bring to this market is going to melt faces and I think they will. There's one good thing about Wall Street, and that is it’s all about the money, nothing else. So, I think there's a really bright future. Now, obviously, not all crypto is

going to do particularly well. My largest holding by far is XRP. But I do hold VET which I think is a great company. And I hold some ADA, I also hold some XLM, because I think if you like XRP, you kind of have to have a little bit of XLM in there somewhere. And then there's my punt for the hell of it, HOT which I just bought because it was so ridiculously cheap. But if it does anything, I'll be happy. I really feel you just got a buy and hold. Trying to trade a manipulated market is extraordinarily difficult, and in my opinion, extraordinarily dangerous. So, I think therefore my bags are packed and the waiting continues. And, you know, we just need to sit back and watch Ripples, partnerships, forget about price, forget about when moon, watch those partnerships, because the more partnerships, that Ripple, keep adding every day, and they are, that's our surety of success. So, I'm psyched. And man, I can't wait till this has taken place and we can sit on your yacht, or my yacht. I don't care which! It's fantastic. I love what you're doing. I love that you're putting all these people together. And it's so interesting to see the diversity, everyone's from everywhere. Once

you see the opportunity, you can't unsee it. Right? So yeah, when you do your homework, and you do your research, and if you see what I see, that's it, you're hooked. You're not going to get away from this thing. And it doesn't matter what background you have or who you are, what age you are. Male, female, black, white, doesn't matter. This thing is for everybody that twigs on to it. And at this moment we are in such a tiny microcosm of people that even knew anything about it. It's fantastic. I have an XRP t shirt, just the logo, and I walk around New York and only one time, has anyone ever come up to me and said, Oh, my god, you know about XRP. So, I'm walking past thousands upon thousands of people, and not one of them has a clue. It's phenomenal. It's like we're part of a secret society almost. XRPLover – Moment In Time Video https://youtu.be/zTuHZVLrSp0

Hello, everyone ,Hello XRP community. I am Stefan. I'm cryptolink. And I would like for you to share you my story how I get involved in crypto and XRP. So, I'm 26 years old. I'm from Serbia. And so I got first into regular market. And I start started. That was a at the end of January. It started the year and I start started trading. And it was good at start for a couple of months then we all know what happened and market dropped hard. And I started exploring other assets. Where would they invest? It's a bit safer. And I didn't know anything about crypto or XRP or I heard of Bitcoin, but it was is unfamiliar. And I was searching for an app to download it. And to see how it goes, just put in a little bit of money to see how it goes. And first I downloaded an some app. It's called - it's actually it's not wallet, it's like net-teller. I think it's net-teller, and I download that one and I invested like 50 bucks. And actually, I was like, Yeah, I got into crypto, but I didn't know that. It's not even at as an exchange. You don't, you don't own that crypto. And you can even move it you can just exchange it within yourself. So I even bought stellar. stellar lumens xlm it wasn't it was my first crypto I bought in March and after a couple of months, I was still digging deep into the crypto. And, and we all know that stellar and ripple are

alike, have like same the creators. And Jeff actually created Stellar but I was deep diving into those assets and discovered more and more about XRP and the account they're involved into banking. So I was really intrigued with that stuff. Because I know that for a longer time that the door monetary system won't work for us. And it's going into inflation. So I was very worried what can What can I do for a better future? So I'm 26 so I have like 10, 20 years more to make stuff happen after that. It's I I don't know. It's And maybe it's a bit I don't want to say late, but I have to look out for kids wife and stuff like that. So, in the when I discovered XRP I was 100% into it. But as I as I been discovering other assets, I was diversifying but to this day XRP is my most-biggest bag and stellar after it. I do believe in those two assets most and XRP for verities now, I believe it sound actually it was on the bottom in March but it's going to I believe that until Jan, I don't want to do predictions on the price or anything. But in my opinion XRP will have a blast before end of the year because of the flare. I don't know how much but people will just want to get a piece of that for flare so they will get as much as they can, but I don't know how that will affect the price, we’ll see. And I see the job is also excited about the flare. So that has to mean

something. And in the future, I plan to hold XRP for at least five to 10 years, at least. But my exit strategy is in XRP tokens, it's not in cash. It's not i just i don't i will prefer to buy the my new assets and to build new wealth with XRP and nothing cash like I have to change XRP to cash to buy something I would prefer to throw 10 x RP and get a new car. So my plan is to wait that long. I don't know for you guys, but I'm excited for that. So I believe we won't have we will have many assets that will remain. But I think that proof of work and Bitcoin and Ethereum is like, we are waiting for Ethereum 2.0. But I think proof of work won't make it long. Because of electricity and distribution, and China has a lot, and China has a lot of influence over it. So we need, as Brad would say, a level playing field but I believe XRP is that that assets that will make it happen. And in my opinion, I believe that I don't think XRP will be backed by gold. either I heard stuff like that not just XRP but top three asset XRP, Ethereum and Bitcoin that would be backed by gold. But I believe that they won't be backed by gold that I believe that stable coins will be backed by XRP. But I don't it's my opinion, but not have to agree with it. But we'll see how it goes. I mean, it's till the end. So whatever happens, I mean, it's so I'm happy to be in it before the big institutions and most of the

people, and I think that will give us a big boost in the future. And my message to the XRP community would be that stay strong hands don't sell and especially now before December before the flare, and for the flare, I am thinking to hold the flare as long as well and I'm not sure, so actually it goes but I think that FXRP tokens that that would be able to like add to liquidity. So I will see if some, if I will just take them I'm not sure I don't want to give advice, so I just reassured the best and we're gonna make some biggest party with XRP people & community. Cryptolink – Moment In Time Video https://youtu.be/JGMySd0xqa8

Hi. Okay, so introduce myself. So my name's Lionel. Now a lot of people like to call me Lionel, because the way it was spelled, but actually I was christened Lionel. So, my, just give up some details in my background. So I started at a very early age when I was about 16-17 years old in banking. The first bank I worked for was a new bank created by a friend of the family. So I had a distinct advantage over other people. And they knew me very well, the the, the, the, the owner of the bank, knew me from when I was a kid at school. He knew I loved computers, and he knew I went on a apprenticeship for accounting for a company called Castagne Construction, and we were building the Channel Tunnel and the Docklands. And then from there, I had a short term of IT company called Proteus Group, which used at Unisys systems, and they will flogging their computers and software that they created for the customers. And I was there as an accountant. From there, I got offered the job for this new bank, who were into import export trade finance now. So we call that forfaiting. And it was for primary and secondary market. So I got to learn a lot...

In those days the bank, the bank there, they because obviously they just started out they had no computers, everything was handwritten, Ledger's debit, credit, folio, and all that sort of stuff. So it gave me a great insight into everything about accounting. Because when you do it manually, you learn a lot more, because you're starting from the base and you wait, wait, wait way up. The chairman of the bank knew I was very much into computers as well. So he gave me a budget to buy some computers, buy some software accounting package, I think is was on Chrome back then. And also get something called Lotus 123. From there, I learned about macros. And I started developing an internal accounting package and portfolio package that was all automated and got approved by the taxman and the about HMRC and the auditors. So I had a lot of pride there because I thought it was fantastic considering I hadn't gone to university or anything, I built it myself. This provided the bank their daily position, on their balance sheet and profit and loss, to the penny they knew exactly where they were every day, they didn't

have to have month ends because month end was basically every day for us. So it was very good. It was doing the crawls up, they every day. It was updating all the new all the new products that it was being bought and sold during that day. We did evaluations of the portfolio, even though revaluations wasn't big in those days, so we were quite ahead of the curve in respect to that. So I was there for a good 10 years and I became manager of what the head of head of IT and finance and finance and I was reporting to the Board of Directors on a daily basis. And so I had a big big big advantage I then knew all about Treasury about all the various different products are out there. We became the largest forfaiting company in the world. When I was 28 and became very ill, I was close to dying and sick they gave me six months I left the company and took a two year break went traveling. And then I came back and they asked me to come back to the company but I decided against it because I was just too ambitious. I was working stupid as I was working from 9am till three o'clock in the morning. And yeah, it would have

just killed me off so I decided to go into contracting. Started working for the very big bank side JPM UBS, SMBC Sumitomo Mitsui Banking Corporation. So Schroeder's who asked let me get out for for about a list of banks, NatWest stockbrokers and there I work with Frank Goodwin and the and the Finance Director to do basically it was a sell off that way, brokers to TD Waterhouse. So I had to do all the revaluation of, basically of the company and all its assets, wasn't exactly a nice job because people knew they were gonna lose their jobs because everything was going to move up to the north of England. But I complete that. And so that was a very interesting project. Yeah, and I've been doing this for like 34 years, and I've been involved in a lot of big projects, especially at RBS. I was brought in, they brought me into Amsterdam for their Amsterdam office. And so we got a six month project, we need to migrate everything from ABCS to , I think it was called to learn IQ. So we did that. And then I returned back to England, to London, that took about six to eight months to that project. And when I came back, they asked me to come back again. Because they had data quality issues with the ABN AMRO and RBS data, because as you know, RPS took over a part of ABN AMRO, basically, the worst part of it,

it was the biggest, probably biggest mistake RBS ever did. So my job was to clean that all up, identify it, and they said, Oh, it was just a six month it's just a six month project. Well, it turned into a three year project because it wasn't just Amsterdam to them. It was a global issue. So every time I kept digging, and looking at all the big data, I was going No-no, this is not just like all this is global, you've put this everywhere. So basically, yeah, that project took a lot longer than the bank expected. So I'm saying this because a lot of people in the XRP community complain a lot about what's going on with the banks. You need to understand these CEOs, I've got no idea about release dates, they have a vague idea. They got roasted to classes and say I'm going to go out on the 26th of October, it's going to go live, and they haven't discussed it with with any of the technical guys. Or, or the project managers or somebody with real knowledge of how the systems work and what to expect could cause delays. So people shouldn't get dismayed by things that aren't happening straightaway. It's very big. Yeah. What's going on? It's banks have invested a lot of money into this project. They're not about to, to stop. Yeah.

So, yeah, they're not going to throw the money away. It's being built out. It's going to take time, we.. I got no idea how long it's gonna take. Because when I was at one bank, I was speaking to an executive from Japan. And he was telling me Yeah, we're expecting to go live this year. This was like, 2019. And it didn't happen. And I was expecting it. Yeah. And I've retired after that. I've been taught that I was gonna retire anyway, because I was fed up with all the stresses of banking, because there's a lot of political crap that goes on. And so yeah, yeah, I didn't really do a good job of that is not really on why to do this quickly in there. Yeah. Yeah, it's not very smooth, not done not very smoothly. (conversation with Scott Powell after Moment In Time) That's that that isn't any problem at all. That's fine. And where? Where would you say that? You see, um, well, you said it was really big. That's good enough. All right. So I'm going to switch it up now. And hold on one second. I thought that was great. Wow, what a background you've got and so a lot of my background is accounting regulation, products and projects. So I got a good good insight to you know, what's going on and why things can take so long. There's a lot of people out there that won't won't listen to you because any didn't work for a bank. Yes, I did. I'm just not willing to put out my full details out there and get

harassed all the time. And after 1000 questions, yeah. So there's people out there that know me personally. There's Robin is called Robin. He you see him like my tweet sometimes. But he's still working. He's say he can't tweet anything due to due to the compliance rules. He's where he works so he can't really say anything we can do right I thought it went smashingly well, so take care again and I look forward to continuing our conversation at a later date. Okay, mate enjoy the enjoy the enjoy the weather. I'm hoping it's gonna rain here say them. Yeah yeah. Ok take care President Sausage Beast– Moment In Time Video https://youtu.be/a9iJXKbB_2w

Hello, everyone. My name's Matt Moro. I'm from Sydney, Australia. Just want to say a big shout out to the XRP community. And thank you to Scott for what he's doing in getting more the community together and asking us getting to know each other that on a more personal level, my story's quite simple. Actually. I actually got into the crypto game. By accident. It was the end of 2017. And I was on a cruise with my wife, my son and my parents. And to be honest here, I don't know why I actually started trading online with my mobile. This designer was actually margin trading. So I ended up putting about $5,000 in and everything was going, right. And then just as the new year, I kept getting messages. Yes, you need to put some more money in. We're gonna liquid that year. I'm like, What's going on here? Anyway, cut long story short, I got off the cruise, first week of January and took money in a few more times, and they liquidated me. So I wasn't quite sure what was going on there. And once I got home and onto the laptop, I started looking around and back then it was very tech savvy. So to the level that are met today with with the CUDA and the XRP, community, and YouTube and so on, I wasn't

exposed to that information back then. But I did stumble across an article and little video with Brad Garlinghouse, which, once I saw that it really catches me in and I realize what potential this really has. So my first say, original purchase of XRP was at $2 and 10 cents Australian dollars it was fluctuating the bunch of high was $3 20. After about, two months, fortunately I couldn't hold on to so I had to let it go. And I didn't lose too much money, which was good. And I basically just kept an eye on the market since then, and it wasn't to a total loss, I, actually got back into crypto and XRP. Again, predominantly, my holdings at the beginning was 100% XRP. And then when I started watching up to YouTube channels, and I, one of the first guys who was actually the Modern Investor, and then working money channel, then I come across my brother CKJ. And yeah, then I started following DAI and Brad Kimes and Digital Assets Daily. I think that there's just so many there's so many great content providers out there. And at once I just watched probably 80 different channels a day, but it just got out of hand and as news

started coming in quicker and better. And my research was really making me confident about what I've invested in, um, has come back on some channels, but overall, with YouTube and Twitter, it's just been so good. And the work that all the guys and girls do is just phenomenal and, and really appreciate and say thank you to everyone. Everyone that’s involved big or small everyone counts. Um, so yeah, that's my introduction to crypto. More back then. XSD I'm actually from an ethnic background. By mother had more gratitude Australia when she was only three, four years old. My father migrated to Australia with my mother when he was about 23. Um, yeah, difficult growing up in the young days. There was things were a little bit tough, completely different today. But basically, we grew up in a family shop. My father was in the convenience store. So from the age of five, you know, after school, we'd have to go in through the fridges and a lot of the fruit and veggie out and in basically just worked all their lives. Just modest, very humble people. And then at about age 26 I Want to branch out and start seeing the world? So I actually got into real estate. And that was interesting. But one thing I did find was that my father once told me that I associate yourselves with smarter people. Because they said, have you learned? So? Actually, that's one of the things I've implemented throughout my life. And

considering I didn't finish high school, I'm doing okay, I'm quite happy and content where I am, I think things are gonna be a lot better. Once XRP moons. So yes, it's been a great experience. And I just, it's just, it's just mind boggling that it's so simple. And with all the evidence that's out there, we think XRP and who's involved with and who they connected to. It's just a no brainer, really. And then I've been quite lucky, because a lot of people from the beginning actually laughed at me. Thought I was crazy. Since then, I've probably got about 4 people on board that's invested, as well. And along those lines, they are people are starting to take things more serious. And then I'm going to use that with calls and messages. And it does get challenging at time because time is of essence and you need to do your own research and your own gameplay in plans, but you try and do as much as you can to help as much as you can. And basically, As the old saying is when the tide comes in all boats float, so whether you're in Bitcoin or Ethereum, or XRP, or or any coin, yeah, like any coin that's got substance utility. I don’t think it can go wrong. But this is not financial advice from a financial advisor.

All I can say is what I'm doing on planning applying for a calculated risk game, or have gone all in and now just wants to sit back and wait and along along along the way, just accumulate more bags as I can. So that's pretty much my story in a nutshell. Um, yeah. So we'll see where this goes. Matt Moro – Moment In Time Video https://youtu.be/IkBULkZstC4

What's up everybody, it's your boy Chukwuemeka Nnabuaku, also known as Cash Flow Nexus, your favorite trainer, and it's always giving you guys the latest and greatest updates on XRP in the crypto space, you guys. So my background where I come from and how I got into the crypto space, I used to be into personal training and martial arts. And I was very heavy into that. And there was a time where I said, You know, I needed a different outlet. So I got into forex trading. And when I got into forex trading, I liked what I was doing there. It was pretty lucrative, making money on the side from my personal training business. And then later on when I started doing network marketing with some people, I got into cryptocurrencies and was introduced to Bitcoin, and then you know, from Bitcoin to XRP, Ethereum, everything else. And then I got hooked to XRP because a lot of people said, this is going to be the new Amazon of the crypto space. So I thought put more attention into XRP. And that's my focus now as XRP a little bit more about myself where I come from a lot of people that follow me on YouTube as well. I am Christian, I always know push God out there. So I always have something to say about God and I want to honor God in everything that I do. And I just want to say to you guys, when it comes to you know faith, just like how we believe in

cryptocurrency, how we believe is going to you know, impact our lives also have a place to put Jesus Christ as a as a out as a way to have for you put your faith in him too as well because he will you know, deliver you from everything, from your pain to your your sorrows, to your financial problems to your depression, your loneliness, whatever you're going through acknowledgement, all your ways that he will direct your path to you know, live a more fulfilling life for him. So I do definitely enjoy the crypto space everybody in the crypto spaces, you know, there's a lot of eccentric personalities out there. XRP community has a very strong base of a people very smart, intelligent people and I always like to, you know, talk with everybody in the XRP space and actually the crypto space to just to get a different perspective and different a different knowledge of where people are coming from. So where I think we're now at in the the, the crypto space, I really do believe that this is going to be the year that solidifies cryptocurrency and then next year we really start taking off like how everybody expected the foundations there everything's in place is being set in place. It's time for cryptos to start taking over. As you know COVID-19 has been you know has impacted the crypto space as well. They're kind of pushed the digital dollar saying that money carry money carry physical money fiat money carries the Covid Virus so that's why they're pushing towards digital assets now and so I'm

excited it is going to be interesting process how everybody is going to handle this. But I think during this transition from Fiat to crypto is going to be very quick and we're actually no set up perfectly right now. I encourage you guys to still keep holding, continue to stay faithful to God if you have a relationship with God seek God with all you got. And you know, enjoy yourselves while you, you know, have this in this party when we we were in the crypto space moons Alright, Peace to you guys and God bless you guys. Cash Flow Nexus – Moment In Time Video https://youtu.be/8gcUi7NF5_I

My name is intelligent XRP. And I first got involved with XRP in 2017. I knew about Bitcoin, actually right around 2009 and 2010. But at the time, I really didn't understand what blockchain was all about. I was turned off by Bitcoin because all I knew about was the Silk Road use case. So it was nothing that I wanted anything to do with. Fast forward to about 2015. I am in Boulder, Colorado, and I see a Bitcoin ATM. And I kind of stared at it for a minute. And I grabbed a pamphlet and started reading about it. To try and understand what, you know, what was going on with Bitcoin nowadays. It seemed like, wow, it's a household name I guess at this point. I realized that it was now $200 per Bitcoin and thought, wow, that's expensive. So unfortunately, did not buy any at that time. In fact, I've never, I've never bought and held Bitcoin for very long at all. But then 2017, I was in a coding boot camp. And I was studying JavaScript, and working on web applications, and started worrying about decentralized apps and learned about Ethereum and their smart contract technology. And I thought, wow, people don't realize this yet, but Ethereum is going to be the new Bitcoin. It’s capable of so much more, and it's going to

be the internet 3.0. So I went and I bought some Ethereum which was about $300 dollars at the time. A few months later, about October 2017, I learned about XRP and started doing research on that was immediately drawn to it, with how quickly that you could transact with it. And what ripple was trying to do with the central banks, and the money lender companies. And I thought, this is this is the new Bitcoin, so I went and exchanged most of my Ethereum for XRP at that time. Um, little did I know how, how close we were to a major Bull Run. But I was very confident in my investment thinking in five years, this is really gonna pay off. And I even told my told my wife, we were newlyweds at the time, that hey, if XRP goes to $3 dollars, we can have a baby. And I had no idea how quickly that was gonna happen. And luckily, it did. And you know, we have our our two year old daughter today. And I, at the time, unfortunately, didn't have a lot of money to invest in XRP. But I was blown away with how quickly I turned about $700 dollars into $12,000 dollars. Of course, I then watched it go back down all the way to where it is today. But had an amazing opportunity the past almost three years now to continue to buy it. And I've increased my holdings 10 tenfold. No, 30 fold at least. And right now, I think that we are again in another situation where we're a lot closer to a bull run

than we realize. With everything going on behind the scenes at ripple, it's really only a matter of time. Personally, I hope it lasts. That this bear market does last as long as possible. So I can accumulate even more. Because that's only going to increase how much I can gain from it. But the sentiment that I'm seeing in the market right now where people are finally giving up, they're saying it hasn't moved at all I'm getting out of here. That's what people were saying back in September, October of 2017. Because it was hovering about 19 cents to maybe 23 cents at the time and people were just sick of it. They of course a lot of those people saw it go from half a penny to those levels and they were just ready to get their their money out. Their profits. A lot of people that I was talking to online at the time bought in at 20 cents and sold at 20 cents. And they just got out of there. I'm fairly confident a lot of them got back in when we talked a dollar. So, yeah, um, don't be one of those people who gets in when things are starting to take off. Um, we can only speculate on a quote how close we are to doing that. But I think that there's no way at this point in 2020, that it's going to be another five years before we start seeing utility. And we could see a speculation run before that utility run. But that utility run is absolutely coming

within a few years in my humble opinion. Um, so I mean, that's basically my opinion on where we're at now. Um, the spark tokens is also very, is also a very interesting concept for me with the with the whole flare network. I don't completely understand all of it, if this is if this is really a competitor to Ethereum, or if it's more of a way for XRP and Ethereum, to kind of work together is kind of the way that I'm seeing it. Of course, with everyone dropping off of Ethereum right now with the high gas prices. I can only speculate I think if something else is going to take that market from it. And if it does, who was it, Stephane Thomas, I think said that, ripple or XRP is going for all the money. And, you know, it's going to be behind every single cross border payment, it really is all the money. Looking at the market cap right now, we're at about $12 billion dollars. That could quite honestly be $12 trillion dollars. I don't know if the floodgates are all going to open at once, or if we're going to have a long Bull Run. But that's, that's where we're headed I think. I think a lot of people in the community still don't realize quite how big this is. I think we have a lot of people big into the conspiracy theories right now that think we're gonna have a $10,000 XRP overnight. But frankly, I think a lot

of those people are falling off at this point because of how long things are taking. And I think we have a lot of people who just want to get back to that all time high or you know, maybe $10 dollars. I would personally be very excited by a $10 dollar XRP but I think that is just only the beginning. You know, I never when I saw Bitcoin at less than a dollar in 2009 I never dreamed it would be even $200 dollars. You know, that seemed like a high price in 2015. $20,000 dollars seemed unreal in late 2017. And we're gonna see I think we're gonna see Bitcoin take us on another, you know, speculation run. And people are going to be blown away. But the the real profit the real potential as an XRP it's going after the entire market, in my opinion. So that's, that's pretty much my story and my opinion on where we're at. Intelligent XRP– Moment In Time Video https://youtu.be/0W87-T9iZ7A

Hey everybody is JamesRuleXRP man I'm glad to be on this broadcast here, Scott's real good guy with XRP army and I'm going to give you a little bit of my background where I come from and how I got into cryptocurrency and how I feel about cryptocurrency today. Basically, I grew up in a little town called Lumberton, Texas, which is a Southeast Texas roughly an hour and a half from Houston. And I grew up in the woods. I've always been into electronics and stuff. When I was a little kid, I used to tear down transistor radios and put them back together. And I grew up in a farm town and went to Lamar University, which is a university in Southeast Texas for a couple years and I was undecided and after that I pretty much hired him with Budweiser. I worked for Bud for a couple years I worked for Coca Cola for 17 years. And at the end of 2008, one of my friends introduced me to the oilfield, and I was 42 years at the time, and I went into the oilfield slinging eight-pound sledge hammer. And as I was in the oilfield back in 2017 I started researching other ways to invest and I'd heard

about Bitcoin I never really, you know, got into Bitcoin in the early days, but in 2017 I was in my work truck and I was on Google and I started looking at Bitcoin and looking at ways to invest in this new cryptocurrency. I was like, what the heck, let's give it a try. So I got on. I think it was by Binance at the time, that was one of the few exchanges that you could get on and I ordered our purchase $300 worth of Bitcoin. So as you know, at the end of 2017, early 2018 we had the huge bull run in the crypto space. And as we were going through the Bull Run, I started researching other cryptocurrencies and I ran across XRP ripple and XRP early early 2018 as the prices started to drop, I exchanged all my Bitcoin for XRP and the reason I did this is because XRP is a use case utility. They are working with banks worldwide, they have a utility it is a use case cryptocurrency and after doing so I sat on it and as for the last couple years have been slowly but surely, purchasing more Ripple and XRP. January of this year, I joined Twitter. And it is amazing how many new people are getting into the crypto currency space today there are thousands and thousands of people that are getting into crypto. You know, I joined in January and there are so many people following me now on Twitter, I actually started a

YouTube Channel. JamesRuleXRP in April of this year, and I started making videos talking about the news like the other YouTubers and started making tutorial videos for some of the new users trying to cater, you know, teach the teachers how to do this. And if you've been in cryptocurrency for a while, and you know how to set up wallets or set up exchanges, and you have a neighbor or family member or co-worker asking you how to do this. You need to show them how to do it. We're teaching the teachers and you know, we're just at the tip of the iceberg with cryptocurrency. You know, I grew up in the internet days when it was the Internet of information, you know, late 80s, early 90s we started getting into the world wide web and emails and eBay and it was all new to us, you know, I am 53 years old. And I'm a techie I'm a 53 year old kid. This just really interested in technology and all the new things going on but, but back then from the internet of information now we're going we're getting into the Internet of Value and especially with XRP you know, you can send money worldwide in seconds just like sending a text message or an email. So, really studying this back in April, I was laid off from my job and every day I spend roughly four to five hours

researching Ripple and XRP and other cryptocurrencies and XRP is not my only investment I have. I'm invested in Vechain and Casino Coin, and several others but it's really exciting to be a part of this and every day I get people sending me emails messages and sending me I've actually had people call me so I can actually walk them through setting up their accounts and, and you know, Unstoppable Domains is really exciting there crypto domains that you set up and you can attach all of your cryptocurrency wallets to your domain. And when you set up a web page through this Unstoppable Domains, you can attach all of your wallets to your web page and receive crypto payments. It is just amazing the technology and where we're going with this. And as you know, this week greyscale announced their Crypto Trust campaign in some of the major news networks and this is just going to blow up the entire cryptocurrency industry. I'm really excited to be a part of this in the XRP community is just full of exciting, wonderful people. I mean, I get to chat with you know, executives, I get to chat with people that are just like me, and I'm a 53 year old salesman, techie you know, work different fields. I've been in sales most of my life but just you know, researching this cryptocurrency space, and just knowing what it's all about, and where it's going to

lead us to, you know, all the money in the world. cryptocurrency is just a fragment of all the money in the world. And this is going to be huge. You know, this is this video here is pretty much a catalogue of a historical event. We're just getting into this and this is going to be the future, cryptocurrency the banks the custody you know, all the banks are now cuz they're now able to custody cryptocurrency and this is really big for all the people that are just coming into the space because a lot of people don't know how to set up exchanges, a lot of people don't know how to set up wallets or how to transfer from an exchange to a ledger nano and, and these are all technical terms for all the new people out there. But you know, it's really exciting to be a part of this, and we're going places, you know, I'll see crypto here in the next couple years is going to be the norm we're, you know, eventually going to become a cashless society. So, JamesRuleXRP is excited to be in the crypto space. And I hope you're too and if you're new to this, get excited, you know, ask people watch YouTube videos, find some good people on YouTube to follow and get into the XRP community on Twitter because there's a lot of exciting people and a lot of information out there. So anyway, I

hope you enjoyed this little short video. I'm really excited to be a part of the XRP community and the XRP army. And I really appreciate Scott for giving me this opportunity to give you a little information about myself. So take care of yourself. Have a good day be safe and I will see you soon. JamesRuleXRP– Moment In Time Video https://youtu.be/zT8rFtwjMBQ

Alright guys, I'm Dave here. Some of you may know me, some of you may not love my cup of tea, as always, I will shout about it because I'm a typical typical Brit that just loves his cup of tea, I have one everywhere I go. Anyway, all teas aside, obviously, I'm in the crypto community, and I value it and love every day of it. Now, background wise, I'm a bit of a techie guy, I've recently set up my own YouTube channel. And basically what I want to do is to try and answer a lot of people's questions and things on a video because sometimes, like myself, I see guides and other things just a little bit, like, Whoa, this is too much. So I'll go and study it and learn about it. Now, that's what I've always done throughout me throughout for most of my life started off at uni, computer science degree, that sort of thing. So I mean, I like to be a techie person. I've always have been brought up with tech, like, absolutely love my tech. But say, say in that light, here I am in crypto invested in one of the best coins with the best utility. And for me, there's no better coins like XRP and probably Ve-chain, a couple of others that are here with us actually solve a problem. And for me, fortunately, Bitcoin just doesn't just doesn't do that. The

actual Bitcoin itself, just to me just does not scale. And for me, that is an issue. So I mean, I think that potentially, in going future, like where we could be going, I think bitcoins probably going to go up in the short term to help people get in because obviously, it's got brand recognition and other things, and maybe they don't want it to fail. But I don't want to be the guy that's going to say it's going to go to zero it probably won't but for me, it does not deserve to be number one in the long term, because it just simply cannot do what Satoshi said in the white paper. It cannot scale. It costs too much. It's got no capability of smart contracts. And people say it's a store of value. I mean, they've gone from they've gone from being this great if we're going to take over the world with Bitcoin to five years down the line. Oh, yeah, yeah, yeah, we're just a store value. So I mean, I can't for me, I don't know how they can sleep at night because I certainly I certainly can. But yeah, putting that aside, like I've discovered XRP so I've always been into the actual technology of Bitcoin didn't realize it was called blockchain at the time joined, shall we say, seeing Bitcoin go up and seeing Etherium start to go from like, hey, maybe Etherium's the next Bitcoin, still not knowing much about the technology space at the time. But I think that was back in 2017. So what I've done, I

went with Etoro and realize that Etherium was a load of garbage, all these flaming ICOs are out there and other things, and discovered Hey, what about XRP? And tried that I was just like, Mind blown with the actual tech that it could do. I'm like, yeah, this is this is the one and the fact that everyone hates it just makes me like get even more. So. Like what I would call a contrarian. So I love my conspiracies, I love all my other things like that. So I would take like a contrarian point of view on things. So usually, if the crowd hates it, I probably like it. I've always been, I've always been like that. So it's, it's one of them, one of them things. And obviously, for me, where I think we're going at the moment, I think the main issue at the moment is regulations, which I actually feel we are starting to make inroads, not quick enough, in my opinion, like back in 2017 I thought it'll be over by now and everyone would be using it but like, I must admit, it hasn't. The price hasn't done what I thought it would. I must admit, I've enjoyed the ride. I love getting to know people in the community. And it's nice to make my stamp meet great people like XRP army news, love for crypto. I mean, I could name I could name a load of people like it's nice to have all sorts of people in the space like Denise Rose, Leah now, growth a great few people that I talked to and I mean, I could keep I could

keep going on but it I love I love everybody absolutely love everybody. But I think it's nice to have that time to get to meet people and other things. I mean, without the support the community, probably I may not have been here. So, like, it's good to keep the strength in the community. And I just love that. I mean, I've tried to get involved in fitness communities in the past, it just doesn't work. But what I like about Twitter is not everyone's just focused on themselves, we're all out to help each other. It's it's kind of nice, you know, going to meet ups, and other things like that. So like, I'm passionate for the whole space, but overall, crypto bullish on d fi, at the moment, which seems to be going on any exchanges, and they're not meeting all their, what they call self requirements are remember that now, if you remember the day, when Coinbase wouldn't list XRP because they wanted ripple to sign some things. So they could say that they're the owners and all this other nonsense, but somehow after the community buy in and buy in and buy into them, they finally gave in and listed XRP. Funny, isn't it? Because now not to write anything on that bit of paper. But it's like this with d phi like they won't this coins.

But yeah, slap d fi on it. And what do you know, like it's listed? Tomorrow's one of my recent tweets I said to set to coin market cap, I said, Would you like if I if I created a token, I think I said I think I said v chain so they won't list? So Coinbase? Won't this V chain for some bizarre reason. Like we have this in the store with XRP. I said to Coinbase I said, hey, look, if I slapped D before it D vet and say that we'll back it with V chain, I make the token tonight, what can I do to get listed on the exchange, tomorrow's I, I mean deifies great. In some respects, I love taking power away from the banks. But for me, I could do that with XRP probably Bitcoin if it could scale or other coins, but maybe there's some of that I don't quite understand on there. But like a lot of it's just noise. So please do forgive me on that because it's just like noise, absolute noise. Then there's other projects like solar genic, that just balloons up, you know, tokenizing 40,000 stocks on the XRP ledger, it's got a solid use case, like forget the fancy unicorns and all these other swaps and things. If Etherium were not good enough in the first place, we wouldn't need all these layer two solutions like that focus on layer will actually start building something that's actually going to help other people because for me, all these tokens that Etherium is making is just

noise like Joe Bloggs ain't gonna want to know, now it I mean, they may be interested in the price action, but, like good for them, but like, it's not going to last if it doesn't find a solid use case. And, and that's basically the coins that I'm looking at, must have a solid use case. So I would say probably the final message I have for people, is what I said a minute ago, just look at the utility, look what they're doing and don't invest that you can afford. And right, play safe and make sure you've got every bit of confidence in that project. And, and believe in it really. And yeah, that's, that's, that's it really, but yeah, that's, uh, if you guys can do that. Wonderful. And also, if you want as well check out my YouTube channel, maybe as well. Hopefully, if you want any suggestions on guides and other things like that's where I want to try and position myself to be in, in the community. I just like helping out people. So if there's something you want to say, XRPDAVE, I noticed on the toolkit, for example, they had like multiple signing on accounts. So that's when that's available on the toolkit, which I don't believe it is at the moment. Some of the I'd like to look at doing, you know, having multiple signatures. So maybe I can leave one of my Ledger's somewhere else a friend's or somewhere or somewhere safe, and then have maybe two different places where I

can effectively move my Ledger's and that sort of thing, just just an idea that I come up with but like there's loads, there's loads out there absolutely loads. But yeah, I sort of say I love, just love the community in general. Just love. Just love being here right now. I mean, we're obviously all COVID going on. It's one of the main things that's keeping me going so thumbs up to thumbs up to say thank you and I'll catch you on Twitter. I think I'm done. XRPDAVE – Moment In Time Video https://youtu.be/3Nc-eMifyPA

Hi, everyone. My name is Marco. I'm from Oregon, Australia, an hour from Sydney. So my background is Australia's very multicultural country. So my dad is Spanish background and my mom's Italian. I did live in Spain for 10 years. So that's why I have got the “Vamos” there as well. So I speak fluent Spanish. And I've got my fiancé and I got a little girl, a little girl who is turning four next month. And she's my world to be honest. And you know, my partner is my rock. Without her I wouldn't be this person I am today. How I found crypto? Funny story, to be honest. I started digging down that rabbit hole, like a lot of us have done not long ago to be honest. About three, four months ago. And then I came across some, you know, some conspiracy theory websites started reading a fair bit. And then I started seeing how they said that the dollar is going to go back to gold backed U.S. notes so they called it USN (so as a note). It’s going to be the new digital currency. And so I started reading more and more and more I could see more and more how they are talking about this global reset. Trump talking about this global reset. And when I started digging, more digging and more digging, and then I found out about this QFS. The quantum financial system. And that's when I started

getting into XRP. So to be honest, I'm actually pretty brand new to the XRP. I'm pretty new to crypto. I've got this gentleman, XRP Matt Moro, who’s helped me out a fair bit to be honest. I’m understanding how to get there. I don't understand a lot about the charts I'm learning a lot as I’m going. And funny stories that at the start with all these few and on and all the stuff that I thought that was all, you know, everyone talked to me, I feel again, another bullshit conspiracy theorist talking shit. The more I started reading into it, the more I started believing and you know the more research I started doing and the more I could tell that. And spending hours and hours I started getting things because all I was doing was reading and watching videos. But yeah, that's how I found out about the crypto and I started understanding more about it. Understanding about the wallets, the ledgers. Everyday I'm spending hours actually on it. So that's how I actually found XRP going down that rabbit hole. About the quantum financial system that they said that started on the first of September which was running parallel to the swift system. Just like Charlie Ward was saying. If anyone watched him. I knew about this a bit before he even announced it I was reading a bit of it on these conspiracy theorist websites and they really had it on there. But the gold and the silver, and the XRP. So I

personally thought what he said might have gone up a bit earlier, but it hasn't. So just you know, patience, patience, patience, patience. What else I think it’s really, really good. At the start I didn't it was very volatile. You know one day it would be up 10% and the next day it would be down 10% you know, so there was more understanding about the game. And you know I've been watching a lot of some videos, you know, bearable bull. One of them nearly every day. I listen to his and try to understand more about the stuff that he talks about. So yeah, that's my story with XRP. Everyday, um, there's a lot more to do with it. At the moment with it down a lot, you know, with it back under 23 cents. Which a lot of people probably saw it, but yeah, for me, it's good because I just want to go buy it. Like a lot of you guys do too. To be honest, I see XRP going probably not as not as much as you guys, but with a lot of stuff that I've read a lot of the things that I've seen with the partnerships and with the news about all these digital currencies and actually haven't spoken about XRP directly a lot about all that stuff. To me, it's just very funny how all these partners have gone up with XRP. Including the Bank of America. And the price is back down to 23 cents. So to me, I think it's

all smoke and mirrors. I personally believe it's going to go really high. That's my point of view. Don’t know how soon, hopefully soon. So I’m actually a school teacher, I’m a teacher by profession. I teach 80 kids. I'm with kids with behavioral problems. That's my trade. Not to get out and be a millionaire, but, you know, whatever comes comes, you know, enjoy the wolf if we can, but I see it. What I've been reading a fair bit, I think it might be going back to that with that new financial reset that they talked about XRP going and going as the blockchain is. So I'll be start off could save the jump cut to numbers because I can't read it because I don't know. But yeah, so that's, that's where really I see XRP going really high. They're talking about a lot of other coins going to be disappearing. And just like Brad Garlinghouse said, 99% of the crypto is going to be gone. So we'll see when we see what happens in the next time, at the moment, I think there's going to be maybe a bit of a crash to stocks and crypto, which we're seeing at the moment, a lot of all the numbers are in red. And it's going to be one month, it’s going to be a crazy month. So you know, guys, whoever's in XRP, I recommend you guys put in a lot more. I’ll be holding and holding, holding, holding on as much as long as I can. And we're

gonna reckon we're going to see a be jumping a week or two. Back up. So that's where I see things going, guys. Stay strong. And don't forget “Vamos” men. It's coming. Marcos Vamos17Q - Moment In Time Video https://youtu.be/vt5nTH09cUM

How's it going everybody, this is XTRA_HRDCOR_XRP from the XRP community. My name is Thomas I want to give a big shout out to Scott with the XRP army for doing this, and taking the time to promote and share community stories. So thank you, Scott, a little about myself. My background is I work offshore in the oil industry here in the United States. And that kind of leads into how I got into crypto with a work buddy just talking about Bitcoin at the time when it was only about $100 per Bitcoin. So through that introduction while doing my own research. So I got my first Bitcoin in 2015. Shortly thereafter, getting into the crypto space. I ran across XRP and Ripple the company. I did some research on them. Some things jumped out at me compared to other assets at the time. They were a real company with real employees. It had a use case at the time, so I saw the potential. Long time holder here, so that's how I found XRP.I hear a lot more adoption related news these days then in 2015. It feels like each year every month we hear a lot more about it, whether there is another bill introduced. So I am still bullish about adoption, I see it going in a

positive way. I even told my friends and family back in the day, even years ago. I said if I hear anything negative in the space or if it is time to sell I will make sure that I come and tell you about it. There is some certainty, some doubt and some speculation, and with speculation that is a good thing. We can read between the lines with some news articles, try to figure out what is going on. With all that said we don't know what is going to happen from now till 2021. It feels like with the bear market we are getting closer day by day. If you would have asked me a year ago the same thing, still watching the positive partnership, the news. The connection with Ripple and XRP, and the speculation about what the real value of XRP should be with its efficiency to transfer money. With full-blown adoption I see large numbers, fingers crossed. I am a long-term investor holding. I am here for the money, the tech, if it can better help humanity. If it can help people in the future then that is great. But to be honest I am here for the money. I feel good about the asset I hold, unlike Bitcoin and the other power of work assets, Ripple and XRP are green digital assets that don't burn a lot of power like Bitcoin (as far as the

mining). I see Big things for us in the future. Hopefully we can all get together one day and celebrate and take that big sigh of relief and pat each other in the back. I feel really good about it. Final message… I have been in this space since 2015 and now going into 2021, and I would say to those that are entering the space for the first time to do your research. You hear about Bitcoin on the news, learn the basics. How is it created, how is it transferred? Then hop over to Ripple and XRP . In my opinion for XRP and Ripple they are the foundation. Not all assets are created equal. So learn about Bitcoin XRP and Ripple. Then move on to other projects, you will be able to see if they are worth your time. Is it worth my money and time, does it have a use case. When you find a project, you have been able to relax, even at the lows. If you have done your research and you believe in your project you can rest easy in your investment. I have enjoyed myself, hopefully in the upcoming bull market soon. Lastly, I am known as Xtra Hardcore XRP on Twitter. I do have a website, I have created many avatars for the XRP community. Please feel free on my website xhdesigns.net, if you need some custom graphics feel

free to shoot me a message. It's something I do for fun to give back to the community. And with that said, Scott thank you so much it's been great. Holding out for great things. And to Scott, Cheers my friend. XTRA_HARDCOR_XRP - Moment In Time Video https://youtu.be/J6XBrVCpgVg