089 - 12 Coins We're Holding For 2025's Crypto Rally

We’ve been dropping hints the last few months about how crypto’s going to be on fire in 2025. If you take advantage of this boom, you can X your money many times over. Then those profits can greatly boost the capital you'll have to invest in dividend stocks, which will increase your monthly income. 

I’m so freaking excited to see what happens this year to my crypto IRA. It feels like I’ve been waiting forever for it to go up in value.

It’s hard to keep up with what’s going on in the crypto realm if you're busy because technological innovation moves so fast. There are so many cool projects happening that have awesome practical applications. And with a government that’s finally advocating for it. Oh man. 

Tim used macro trends to pick cryptos with high-value technology to invest in for the coming boom. 

GRT
FIL
FET
BTC
ETH
LINK
ONDO
XLM
AAVE
QNT
HNT
STX

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**DISCLAIMER**
Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

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Transcript

Welcome to Roaming Returns, a podcast about generating a passive income with dividend stocks so you can secure your finances and liberate your life.
We've been dropping hints the last few months about how crypto is going to be on fire in 2025. I'm so freaking excited to see what happens to my crypto IRA. I cannot even tell you.
For me, it's hard to keep up with what's going on in the crypto realm when you're balls deep in other things. But when I heard about all these wicked cool projects, I literally squealed with glee. So many practical improvements and innovations are coming in the near future.
And with the government that's finally advocating for it. Oh man. Okay.
Enough of my gushing. Let's unveil what Tim's dug up. What's up? So this has been a episode that I wanted to record for some time, but other stuff, other stuff got in the way.
So like a whole year's worth of stuff got in the way. So we, the last time that we actually, uh, broached this subject matter was, uh, January 16th of last year on the podcast. I did send an email out in April, which is kind of hilarious.
There was that much of a gap. So like, we're not doing that this year. The numbers were so like different between the podcasts that we, like the cryptos, we mentioned the podcast versus the ones that wrote about in the email.
So the email went out on the 24th and the podcast is coming out in whatever day, 28th, something like that. So now they're going to be closer together so that it's easier for me to actually compare apples to apples as opposed to apples to oranges. That's the intro for that.
Um, if you were with us last year, we touched on some cryptos, Bitcoin, Ethereum, Ripple, Cardona, Chainlink, Matic, Shiba Inu, Litecoin, Synthetix, Tezos, Optimism, BitTorrent, and Fetch.ai. So there was 13, lucky 13 in the podcast that we were talking about. Um, the email, I had all of those. Plus I had, um, Graph and Filecoin.
So there's only two different ones from the email and the podcast. It doesn't matter that you didn't hear them because Graph and Filecoin did shit. They did shit for the year.
So it doesn't matter. But like, so the numbers look really good from January last year to, I ran these numbers on, I want to say, Thursday of last week. So Thursday would have been the 23rd.
So that all this data is up to date to the 23rd. Crypto is always changing a lot each and every day. So like, this is just a snapshot of the, from January 16th to January 23rd.
Bitcoin, when we brought up Bitcoin in the podcast last year, it was trading at 40, a little over 43,000. And on the 23rd, it was trading at 105,000, which was 144-ish percent right around there. 140, 144 percent gain.
I can talk. Really, I can. Sometimes.
Ethereum was trading at 2586 and it's, on the 23rd, it was trading at 3,442, which was a 33 percent gain. So like, keep that in mind that Bitcoin went up 150 percent, give or take some, and Ethereum was only a 30 percent. Keep that in mind.
Yeah, keep that in mind. There's a comment later. Ethereum's going to pop off most likely, whereas Bitcoin has like a ceiling because there's, it's already trading so high.
But Ripple was trading at 58 cents. XRP. Okay, XRP.
You can say whatever. That's one of the weird ones that doesn't have a ticker that makes sense. The 23rd, it was trading at $3.22, which was a 455 percent gain.
Notice that huge gain from that tiny, tiny increment. Cardona, ADA, was trading at 54 and it was trading at 114 on the 23rd, so that's 111 percent gain. Chainlink was 1527 last January and was trading at 24.59 last Thursday, so that's 61 percent gain.
Matic shit the bed. Matic was trading at 84 and it went down to 54, so that was a 36 percent loss around there. That one should bounce back, but.
Yeah, that's unfortunate. I actually like Matic. SHIB was trading at a bunch of zeros, nine, six, and it's currently trading at less zeros, two, four.
It was point zero, zero, zero, zero, zero, wait, zero, zero, zero, zero, zero. Four zeros. Five zeros.
Five zeros, 96, and it's currently trading at zero, zero, zero, zero. Four zeros. 24, but you got 150 percent gain on SHIBA if you pick that up.
Litecoin was trading at 69.40 and it was on Thursday was trading at 137, so that's a 97 percent gain, which is super awesome, but like normally Litecoin and Bitcoin, they kind of like co-mingle there. Yeah, because Litecoin is the gas efficient light of the Bitcoin. They kind of travel together, so that's cool.
We have another one for this upcoming year that does the same thing that Litecoin does, so if you have Litecoin, lock in your profits. We got another one that trades for a lot less than $130 that travels in the same. Litecoin up to that much.
Jesus. I spaced out there for a second. Synthetic shit the bet as well.
It was at 363 last year and it was on the 23rd. It was trading at $2. I have lost so much money in that one.
So, 46 percent loss. Tezos last year was 113. It's currently at 140, so this one didn't do shit all year.
It's a 24 percent gain. Optimism shit the bet. It was trading at 360 and it's down at 195, so that's a 46 percent loss.
BitTorrent did not go up as much as we had hoped. It did throughout the year. It's 5-0's 105 and it's currently at 5-0's 120, so it's only a 15 percent gain.
I'll address all this in a minute. This is literally just a snapshot on the 23rd. You could have made a lot more money because cryptos were really high in December.
Fetch.ai was 69 cents last year and it's currently 142, so that's a 106 percent gain. So, if you invested equally across all those, you made 82 percent, even with those ridiculous losses in Optimism, Synthetix, and Matic. Graph was down.
Oh, actually, Graph's up 4 percent from when I recommended it and Filecoin's up 2 percent from when I recommended it, but both those are going to be the bombs. Because remember, Tim's predictions usually take a couple years to come to fruition. You could have sold every one of these.
Every one of the coins we just went over, every one of the cryptos, you could have sold the first, second, or third week of December, and it would have been a lot higher. For example, I just picked a random one. Chainlink peaked at $29, I want to say the third week of December, and Graph peaked at $35 the third week of December.
If you go back up, Chainlink is currently at $25, $24.60, so it was $5 more, which is 25 percent more, and the Graph was at $35, and it's currently at $25, so that's like 30-some percent more. So you literally could have sold your cryptos for a lot more money and profits. But that being said, I wouldn't sell them unless you want to trade Litecoin for one of the ones I'm mentioning, because crypto, if you look back throughout all the other halvings, crypto, it kind of does this kind of shit up to the halving, then it kind of does this kind of shit after the halving, and then at 12 to 18 months after the latest halving, it just shoots right up.
Yeah. You think there was a surge like what we have already had, and then there's usually a pullback where it goes into this bowl pattern, and then it just shoots to the ... You can't even see how high I'm going. Shoots to the moon.
But if you got nervous or you sell, I've made 600 percent on Ripple and you sold in December, not a big deal. I have other options that you can pick up now that should do really, really well in 2025. And this is also ... Should I bring up the Trump stuff now or you don't want to do that later? Whatever, man.
You do what you want to do. My brother was telling me that Trump's ... Or no, you told me. You told me Trump's starting his own exchange or something.
Yeah, Trump's starting his own exchange. Which seems like a conflict of interest as president, but ... Eh, whatever. He's all about making money for himself.
And he has his own coin, and his wife has her own coin, and his kids have their own coins. Well, Trump's ... He ran as I'm going to be the most crypto-friendly president, which is kind of an oxymoron. We've only had two presidents since crypto came out, but whatever.
Yeah, but Biden was so anti. What they're doing is they're ... Even though there was a Let's Go Brandon coin. They're going to actually start stockpiling Bitcoin as a currency reserve, kind of like we used to do with gold, but now with crypto.
However you feel about that is irrelevant. Just knowing that they're going to do that means the prices of cryptos are going to go up. Personally, it's stupid as hell to have a Bitcoin reserve when you could have a gold reserve.
Gold is more tangible, but I'll make money off the cryptos. Oh yeah, so that's the other big, huge thing. You have Trump, who is going to establish ... When we say exchange, we mean like Coinbase, KuCoin.
What are the other ones? Kraken. Kraken. That's what we mean by exchange, where you can go on there and you can trade any crypto with you just deposit your money and trade any crypto.
So Trump's coming up with one of those. Elon Musk is actually going to, and then probably within, I'd say two or three months time at the most, he's going to start actually taking cryptos on Twitter, X, whatever you want to call it, X or Twitter. When he starts doing that, he's basically ... He's going to morph on Twitter from a social media platform into- A one-stop shop.
A one-stop for everything. So it's going to make SoFi look like it's not even in all realms. So it's on the social, it's doing credit, it's going to do crypto exchange, it's going to be doing all sorts of stuff.
So because they're butt buddies, it's going to be a very interesting hybridization. So crypto's going to explode in 2025. So that's just our long-winded, drawn-out way of saying crypto's about to get freaking real in 2025.
As far as the ones I'm going to mention, they're all available on Coinbase. I didn't, because most people don't have access to, or haven't set up access to crypto exchanges. I just use Coinbase as well.
So every one of these ones I'm going to go through, you can pick up on Coinbase, just FYI. I mean, obviously if you have Kraken or something else, you can buy them on there as well. If you have access and the willingness to learn how to use some of the other exchanges and get around the whole America's kind of thwarted right now, definitely look into that.
I'm hoping Trump kind of releases- Oh my goodness, she loves you guys. Listen to her. Releases the floodgates on that whole thing, because KuCoin was my favorite exchange, but that got pulled.
Kraken is the better alternative to Coinbase, because the gas fees and the trading fees, excuse me, not the gas fees, I don't think. The trading fees are a lot less than Coinbase. Coinbase kind of has a monopoly and it's- Coinbase has yucky fees, because they know they can get away with it.
Yeah, really bad. It's the easiest one to use. For the longest time, they were the only one the government acknowledged.
And it's the easiest one to use. That's why I did Coinbase, is because pretty much everybody has access to Coinbase and not everyone has access to Kraken or the other- Kraken is available. The only other one available.
But I think they did just change something and I don't remember what it was. Okay. So all that, let's get into what we think is going to be pretty hopping for 2025.
What's going to go down for 2025? If you remember up top, we said the Graph and the Filecoin haven't gained anything yet. Graph and File, GRT and FIL are both buys. If you picked them up in 2024, just hold them.
You'll be fine. And I would- God, how do I premise this? You could hold them the entire year if you want to, but I'm probably going to sell most of my crypto holdings except for my Bitcoin by October or November at the latest. If that changes, you're going to want to be on the email.
So why I'm doing that is because I just said there's a boom for 12 to 18 months after the halving and the 12 to 18 month period runs out in October or November. But I don't know if that's going to stay the pattern with Trump. It will for, I think for the altcoins it will.
I think for the big ones like Bitcoin, Ethereum, Litecoin, all this stuff, I think it'll keep going. If you're still new to crypto, altcoins are anything that's basically not Bitcoin, but I would also probably say anything not Bitcoin or Ethereum because Ethereum's technically one of the bigger, big, bigs. So pretty much anything else we recommend or mention other than that is an altcoin.
It is. Okay. So Graph, GRT, and FIL are both still buys.
If you remember, if you were here last year, if you weren't, this is just a really broad thing about Graph. Graph is like the Google of crypto. It indexes and stores blockchain data.
That's what the whole program of Graph is about. So if you think how Google popped off, well, it wouldn't make sense that the Google of cryptocurrency will pop off. So that's why I really like Graph, GRT.
FIL is more like the Amazon of crypto. It's cloud storage and they remember the customers. I think what we should actually promise here, again, just as a refresher, is that the thing with cryptocurrency, it's not just a currency.
Yeah. This stuff back here is all farce. There's no coin.
There's no coins. It's all ones and zeros. It's a program.
So it's a physical, I guess, like acronym for an actual program that is based on a concept. And the concept either has no premise like Dogecoin. Dogecoin is literally, they call it a shit coin because it literally is just based on a meme, which has no actual value.
Whereas Graph and File, Bitcoin and all them actually have some kind of usable technology base that provides high value. Whenever you're looking at crypto, you want to look at the actual program. The tech.
You want to read the white paper. You want to understand it. You want to see if it actually has a practical application.
If you want to trade meme coins, by all means, go ahead. But that's like all these are buy and holds for like an extended period of time because they actually are programs that have usable technology. Endless possibilities.
Yeah. So we look at, we pick cryptos based on the technology component and what Tim's using is his Oracle sense to essentially predict where the macro economics, macro trends and all that other stuff are going and how we actually see crypto technology fitting into everything else. If you look at Graph, for example, the reason I'm so high on Graph is because it indexes and stores on the blockchain, like on data.
Well, because crypto is going to be just every, all the rage. You want something that indexes and stores on the blockchain data. Whereas Filecoin is all about cloud storage.
But what's another area that's super big right now is cloud storage. So that's why Filecoin, I'm high on Filecoin for the same reason. It's not because I believe Filecoin is going to be like a crypto that's going to change the world, but it's in part of a macro trend. Yeah, it's like a backbone of something else.
That has so much possibility and because they're so cheap. Yes. You can get so many coins like for $100, $200.
And you saw back at that beginning one, I think it was ADA that went up only like, I think it was the one that went up. Yeah, ADA went up 60 cents. 60 cents has 100% gain.
111% gain. So it's like when you get those tiny moves with the really low price tokens, like you get massive Xs. It's incredible.
That's why we like the lower price stuff. I like the low, like I have to find the technology. Before it's popular.
And the macro trend and then find the coin that I think best has the possibility to X a lot more than like the big ones. Like Bitcoin, everyone knows that Bitcoin's the bomb. Everybody should be holding Bitcoin, but Bitcoin at $105,000, even if it reaches what they're projecting, a million dollars, it's only a 10X.
Yeah, exactly. Exactly. And like, let that sink in for a hot minute.
And the other thing you have to remember about crypto, you do not have to buy it per coin. You can buy fractions of coins. That is the other really awesome part of crypto.
You can buy fractionals. You can do that in Coinbase. So Coinbase, you say, I'm going to take $100 from my checking account and put it in there and I'm going to buy $100 with Bitcoin.
It'll give you a .000 whatever. So that's another thing. So those are two.
Crypto actually brought that to the fractionals in regular shares. That was an actually amazing thing that crypto brought. So that's two carryovers.
If you have those, awesome. Hold them. Everything will be great.
But what I was going to say to you is, I imagine you suspect that graph and file are going to be part of this AI thing, right? Like the tech storage we were just talking about. Yeah, there's so many opportunities for them to like, because they're trading for like 20 and 30 cents, even if they go up to say $10, which would be, no one would think anything of it like, oh, it's a $10 token. But like starting at $0.25 to $10 is ridiculous amounts of money.
Juicy. Because you figure $0.25 to $1, 4x. So it'd be 40x.
Are you doing this math way before me? Yeah, I don't know what you're doing. I'm trying them on my phone to do math. Okay, hold on.
You said how much? $0.25? $0.25 to $10. I think it's 40x. 39x? 40x.
That's what I said. And Filecoin's like 30 some cents. So if it even went to $10, it would be like 33x or something like that.
So that's just, if you put $100 in it, like 40x, that's awesome. That's like 4,000. When we say x, that's 44,000.
Yeah, it'd be $4,000. Whereas if you do it in Bitcoin, you put $100 in Bitcoin and it only goes up 10x. You're only getting, was that 1,000? Something like that.
Yeah. So, but those two are carryovers from last year. I do believe they're going to, I might even hold those into 2026.
I don't know yet. It just depends on how it all plays out down the road because they do have their tentacles in the AI area. And I'm a firm believer that the AI is going to basically rule everything for the next two or three years, at the least in stocks and crypto and everything.
Yeah, we're, I think, in several bubbles. Kind of like the dot-com bubble. The AI bubble, the crypto bubble.
Fun stuff. Okay. Then Fetch.ai is the third carryover from last year.
FET, it changed. It went through a thing in last year. It went from Fetch.ai to something else.
But I think it had like a transition. Yeah, it went from something. I think it's AET or some nonsense, but it's still under the FET ticker.
But it's like, if you look it up on- Oh, so it just changes name? Yeah. Okay. It's a blockchain platform that uses artificial intelligence to help people automate everyday tasks, such as booking a parking space or a flight.
It's basically a decentralized machine learning platform for applications. What Fetch.ai is doing is you have Fetch.ai tokens in places that actually accept Fetch.ai. You can create AI programs for whatever the hell you want. It gives you the freedom.
It's a choose-your-own-adventure book. Oh, that sounds super fun. So Fetch.ai is going to be the bomb.
I really like that one. Fetch.ai, we're already up 106% in Fetch.ai, and I do believe that one has so much more room to grow- So much more room to run. Just because it's in the AI thing, and it's actually using AI in practical applications.
Awesome sauce. The fourth carryover is Bitcoin. Like I mentioned previously, Bitcoin is, if you have it, you're always going to want to hold it.
And the reason Bitcoin is honestly something that needs to be in your wallet, even though it doesn't usually fit our normal criteria because it costs so much money, is because it doesn't ever have any more ability to make new- It's a scarcity factor. Yeah, scarcity factor. Everybody right now is running out trying to accumulate the Bitcoin because they know that there's only 21 million of them.
And the reason this drop, or at least the sneaky suspicion Tim had with this drop, was that the- I think they're trying to tell you that, oh, Bitcoin's maxed out at $108,000 so that you sell, even though you have a nice profit, I'm assuming for the most part, most people would have a nice profit. They've probably held it from $10,000, $15,000, $25,000, whatever, up to $100,000, so they're up two or three or four Xs. And so they're like, okay, well, all the experts are saying that it's going to crap out, so you're- So it has a pullback.
So you're selling it because you think it's going to go down. And all these institutional people are just like, oh, they're gobbling it up at $90,000 because they know it's going to be worth a million dollars in the next seven years at the most. So if you have it- It'd be the same.
It's the same as, to me, it's digital gold because there's the scarcity factor. People, they think it stores value, so they're trying to gobble up as much of it as possible like they do with gold. Bitcoin doesn't really have a use other than store of value.
It has zero use. Because it's just too clunky to trade it. The gas fees are out of control still.
It was the original program. It's not efficient. It's not electricity.
Well, say you have like $10,000, I'm going to invest in crypto at $10,000. Well, in my opinion, the fifth one would be a better gauge or a better one to invest in, which is Ethereum. Because Ethereum is currently at $3,400, $3,300, whatever it's at.
And they're projecting that one to go up to $25,000 at some point in the near future. So that's like an 8X as opposed to Bitcoin's maybe a 3 or 4X in the next five or seven years. So what you're doing with crypto is you're buying the tokens or the programs that you think are going to shoot up the most X's.
Exactly. Ethereum, in my opinion, Ethereum is digital silver if Bitcoin's digital gold. Because if you think about it, gold has literally zero application.
You just hoard it for a store of value. Whereas silver, they put silver in all kinds of shit. Well, everything in the crypto realm right now is ran on the Ethereum blockchain.
Like the platform, the tech behind the Ethereum. Like the NFT tokens and all that crap. Some of the other cryptos are actually based on the Ethereum network.
And because it's faster, lighter, and a bunch of other things, it's more economical to use, which is why that's happening. So to me, Ethereum is silver and is the equivalent of silver. And in my opinion, again, I think silver is going to outperform gold in the next however many years because it has more applications.
Whereas gold is just people gobbling it up. They just think it's pretty. There's going to come a point when there's not a lot of gold left over and people will be fighting over it.
And it's like the price of gold will go up. But most of the time, people that want gold already have it. Yeah.
Whereas silver and Ethereum, they have so many applications that you just want more and more and more and more and more. And that's why Ethereum doesn't have a 21 million cap like Bitcoin does. Oh, I said that.
Yeah, they're saying 25,000. Okay. And the sixth one, the sixth hole over from last year's list is Chainlink.
I love Chainlink. Chainlink solves the problem of getting real-world data onto blockchains, blockchains, blockchains, blockchains. So it's basically taking reality and putting it into the actual metaverse.
It's a bridge. Yeah, it's a bridge. It's a bridge blockchain.
Whether it's between Ethereum and Bitcoin, whether it's between like an NFT platform and Coinbase, whatever the bridge, Chainlink's probably going to have their fingers in it. And it's been said quite a few times that it's like the backbone of Ethereum. I'm sure if you look up Chainlink, there'll be like random quotes.
So I want you to think of Chainlink as a bridge that connects real-world data to blockchains and it's super difficult to corrupt or hack. So Chainlink's definitely... To summarize it in like a quick blurb, Chainlink has operators who fetch data and they feed this data into smart contracts. Smart contracts are like how blockchains operate.
It's like data entry into the metaverse. And then they have other people that verify that the information that was just put into the smart contracts is accurate. And then the people are paid in Chainlink for their work.
It's awesome. Those are the six holdovers. And I've had most of those since 2023.
And I'll probably have a lot of those at least until November. But I foresee probably holding a good chunk of those into 26 and 27. Now we're going to get into the ones that I think are going to be winners in 2025 that we haven't mentioned before.
Oh, shit. What? Just wait. I'm looking ahead.
Hold my head. First one's Ondo. O-N-D-O.
I've not heard of this one. ONDO Finance specializes in tokenized finance. So basically, if you want to borrow something or if you want to store money and get paid interest, what they call it, it's staking in the crypto realm.
But it's the same as if you put money into your bank and you get paid interest. That's what staking is. And they provide structured products and liquidity solutions for DeFi, decentralized finance at traditional institutions.
So banks are already using the ONDO platform. But decentralized means that no one centralized thing. It means anybody can essentially lend out and get paid and vice versa.
It's the biggest thing that it's known for right now in the what are crypto heads called? I don't know. Crypt heads? Nerds. Crypto nerds, whatever.
I'm sure there's a proper term. It's tokenized funds, which allows institutions and retail investors to access yield generating opportunities through blockchain infrastructure. And again, yield generating.
This is actually why we gravitated to crypto back in the beginning when it was like at its high before the winter hit and we lost our asses. And they actually in 2024, they actually started a really big collaboration with BlackRock. If you're not familiar with BlackRock, they pretty much own everything.
Yeah, you should know BlackRock. BlackRock, like we talk about so many different ETFs and stuff. Like BlackRock is like the Amazon.
They own everything. Everything. So they collaborate with BlackRock to tokenize portions of their money market funds.
So they're taking like someone like old people or people that have been saving up and they want a money market. They'll actually put money markets in the banks. Well, if it's a BlackRock bank, they're actually using portions of that money market and they're actually putting it into crypto to stake it and to get a higher return than a bank.
Damn. So I'm really high on ONDO. This is probably one you want to hold for multiple years, not just for 2025.
Because we're just now starting the process. Like up until now, the process has been well, crypto, it's a fun niche, but there's no regulations and the government doesn't care about it. The government cares about it now because governments of other countries care about it.
So America had no choice. So now the government cares about it. They're starting to create laws and regulations and shit.
This is kind of like the race to the moon landing. Now that they're seeing the possibilities of this, like now it's like every man is trying to get ahead of other countries and jump on the possibility. And the fact that they're collaborating with BlackRock is just like that.
If you don't know anything other than the BlackRock runs the world, then you probably want the crypto that is partnered with BlackRock. OK. Second one is Stellar XLM.
Stellar is a blockchain designed for fast, low cost cross-border payments. When we cross-border, it's whether it's physical borders or whether it's like from, say, KuCoin to Kraken. Isn't that similar to Chainlink? No.
It's Chainlink because it's a bridge between them. This is actually payments. This is all payments.
If you want to pay something from your KuCoin, say you're out of- Oh, so it's like exchange payments, swapping as opposed to having to do like exchange it from, say, euros into US dollars or whatever. You just have Stellar. So it can be a physical border, like a country border, or it can be an internet border.
Oh, OK, OK. And a crypto border. So if you've ever gone out to the country and you've swiped your card and it asks if you want to do it in, say, US dollars or euros or whatever, and you click the one, if you do it as a thing and then it has to do the transfer over, you get extra fees taxed on.
Sounds like this is going to do that all for you, low cost cross-border payments. Yeah, it connects financial institutions, it connects payment systems, and it connects individuals. And it enables a seamless transfer across all, whether it's physical borders or tech borders.
It currently is partnered with, like, they have multiple organizations that they accept payments for, but the big one's IBM. And they have a few governments they do it for. And they worked for our government to actually, when our government did the digital dollar or whatever you want to call it.
I don't know if you guys are even aware that that happened, but it was in 2023, I think. It's called the CBDC, which is the Central Bank Digital Currency or whatever the hell it's called. Central Bank Digital Currency.
So they actually were the one that was part of that whenever they did all that for the federal government. So they have their hands in a lot of pies. But that's why a lot of places actually don't take cash anymore.
It's because we're actually on a digital system. And they're, I think, holding it off until the boomers are no longer a roadblock type deal. Yeah.
And they're actually modernizing the financial infrastructure from banks to whatever, crypto exchanges, whatever the case may be. And they just went up a whole shitload. It went from, I think, 18 cents up to 50 cents whenever Trump was elected.
Because people know that this one is going to be a good'n. Stellar has the ability to serve as the backbone for global remittances and tokenized assets, like we were just saying. Whether it's actual payments or whether it's crypto payments, they have both those things already set up where you can use either crypto or regular money.
It's awesome. And currently, it's $156 trillion market, which is the financial remittance market. So the fact that they're in that means this one seriously could go from 50 cents up to $50 or $60.
That high? Holy hell. This is a really good one. ONDO could probably go from where it's at up a lot.
And I think Stellar might actually be the best bet of the two. But that's my opinion. I'm not a crypto nerd.
Yeah, not a nerd. I just studied enough to make money off it. The third new one is AAVE.
It's called AAVE. This is the expensive one, right? Yeah. Oh, crap.
It's a decentralized lending and borrowing platform built on the Ethereum network, allowing borrowers and lenders to interact without an intermediary. Is that like a bank? Yeah. It's basically killing banks.
So it's like peer-to-peer lending? Yep. Because you have a wallet. If you've ever dabbled in crypto, you hear the word wallet thrown around a lot.
And you basically have a digital place where you store your stuff. There is no banking necessary because of the trustless contracts that are available in the crypto tech aspect. And then when you do an exchange with one person, you can send it to that individual.
You don't have to go through a freaking cash app or a stupid... What the hell is the other one? Venmo bullshit. You don't have to worry about any of that crap. It's literally just crypto-to-crypto, peer-to-peer.
You have your little barcode where you can just send it to whoever the hell you want, any account you want, any person you want. Click of a button. And it's instant transfer.
Don't take our words for it. There's a lot of experts out there that believe that Aave could be the biggest lending and borrowing protocol in the DeFi. Well, this one's been out for a while.
And I think the fact that it went up as high a price as it did in the beginning, this one definitely has some... The big one is Mark Cuban. He has gone on record saying that Aave has a shot, a really, really, really good shot at being bigger than JPMorgan, which would be an over $333 billion market cap. That's huge.
Whereas currently, Aave has around a $5 billion market cap. So if you figure out the math there, that's a lot of Xs. And it's also building a decentralized social media platform.
And it just recently launched its V3, whatever the hell that is. Version 3 is something or other. Wow.
That almost sounds like it's making a run for what Elon Musk is doing. What? Yeah. So this one's a really, really good one.
I know it's pricier than the other ones. So it's like maybe get one or two tokens at the most. But it's still going to be a really, really good one.
And we'll check back in the next January to see how we did with these ones. Did you buy any, Aave? Oh, no. It's too much for me.
I only have $5,000 in my crypto wallet. I know. I lost $40,000.
Oh, my God. I'm so pissed at myself. And we don't have the options for a lot of these in my retirement crypto account that I opened where we had 100 Gs when we... Well, we do now.
It's already tied up in stuff that's making money. Yeah, that's the point. So it's just like, crap.
We used her retirement. We went into iTrust Capital, which is basically a place where you can roll over your retirement into one that specializes in cryptocurrencies and gold and silver. Yeah, no.
What do you think about the Yieldmax thing that I had that little extra cash rolling rolling into crypto acquisition? That's a hard no. Yieldmax pays more. I know it does.
But still, these are going to X. I don't know. I'm kind of like FOMOing over here. Me and my FOMO.
The fourth one, number four, new one. Obviously, we had six previous. So the fourth one... I just love that word.
Quant. QNT. Quant is aiming to create full interoperability between blockchains and legacy applications.
I took it from their website. I have no idea. Like what seems to me to be a fancy way of saying it's basically you're going to be able to go from the blockchain into applications.
Its main offering is called Overledger. And that acts as a universal gateway for developers, businesses, and governments to build interoperable decentralized applications and transfer assets across blockchains without being locked into one ecosystem. Now that I do understand.
That means if you have something on the Bitcoin blockchain, you can transfer it to the Ethereum blockchain. Or if you have something on the Ethereum 2 blockchain, you can transfer it to the Ethereum 3 blockchain. Or you can transfer it from the Chainlink blockchain over to that.
What's the other one that I really like? The Solana network. They all have different gas fees and different speeds and stuff. And some of them are quite a lot better and cheaper than others.
Now, the reason that this one made my list... And the apps is really big because you see the apps on the phone and stuff. But these dApps, these decentralized crypto apps... She doesn't know yet because she's just reading this for the first time. Oh, what did I miss? The reason this one made my list is because whenever they were talking about someone buying TikTok, I assumed it would be Oracle.
And that just came out today. Are you kidding me? No. Did you have that as a thing, as a prediction? And it came out? Oh, my God.
You do! Oh, shit. Tim, you are like, I swear to God, you're freaking clear cognizant. Because the government's involved in crypto now, there's going to be regulatory clarity about every aspect of cryptocurrency.
And Quant already has most of the legal frameworks in place because they were ahead of the time. So they've actually been working... You mean they had the foresight to see it? Yeah, they actually had been working with regulated industries like... Instead of just Wild West, like everybody else did? Like the telecommunications industry has... Damn. So they set their foundation up.
So they're going to be so much further ahead while everybody else is going to get knocked off their pegs. And then they're going to have to build back up from scratch. Damn.
And they've actually... In the work currently, which I expect to happen in the next probably three to five months, they have a partnership that they're waiting to sign with Oracle. And we just brought up Oracle. If you're just now tuning in, Oracle is one of the potential buyers for TikTok in America.
So imagine having a crypto that does all this work across blockchains, that is in a partnership with like the $500 billion of whatever. Trump was talking about this whole TikTok purchasing thing too. So I have a sneaky suspicion Trump's in the back end of this one too with Elon, with these other people.
It's not going to be just TikTok. They actually have partnerships in banking and healthcare and the government sectors. Quants already has its tentacles in all those different sectors.
So it already has plenty of real-world data and use cases and it has credibility. So long-term, they are projecting that Quant could become the windows of Web3. This one is a really, really, really good one.
It's only like $5. Damn. I bought it a while ago though.
We already have it. I know, but we don't have that much money in crypto. A couple hundred dollars in it.
That's what I mean. It makes me sad. So pissed I lost that 40 grand.
The next one's H&T. I think it's called Helium. I think.
Yeah, I think this is the one that's called Helium. H&T, Helium is a decentralized network that uses blockchain technology to establish a wireless infrastructure for the Internet of Things devices. This one sounds fucking awesome.
I don't know if it has the potential for like the Quant returns, but wait till you hear what this one does. Yeah, it is Helium. This innovative approach aims to provide an alternative to traditional Internet of Things communication methods by creating a community-driven network.
In September of 2024, Helium launched a network for 5G. This structure was the same as the Internet of Things network, but now people could actually go out and buy hotspots from Helium that provide 5G signals. And it was only like $20.
You can get your own hotspot for like $20 a month. No, I'm sorry. You can get your own unlimited data, text, and talk plan for $20 if you wanted a hotspot, it would be $250.
But you're actually, every time you use the hotspot, you get rewarded in Helium tokens for running the mobile hotspot. Oh, shit. So that's where everything's going to flip on its end.
Like this crap on YouTube with like the ads and stuff, they're going to start paying us. So what it is, is basically is Helium came up with a device that acts like a cell tower, but it's like about yay big and you put it in your home. And you use, anytime you go on the Internet, you just plug, you use your cell tower for your mobile phone and you're actually getting paid in Helium tokens.
They're calling it the crypto carrier instead of the mobile carrier. I want it. Dude, this one's bad.
This one's bad. I want it. I want it.
Just what they have going on for this one is they ran it out in Florida and it worked in Florida. So they're starting to slowly expand across America. So this one is one to keep your eye on.
It's not really expensive. It's like $2 or $3. Oh my God.
I love like, I love ideas. I haven't been looking at crypto in so freaking long and it's like, this is like a candy store for me now hearing all about all these ingenious ideas. I fucking love ingenious, like innovative stuff.
I love it. That's probably why I'm with him. HTT, good one.
What the hell are we on? Fifth? I don't know. I think the fifth one. We lost track.
Does it matter? How many were there? This is the last one. The last one is called Stacks. X-S-T-X.
You can't afford, this is the one I was talking about. Bitcoin and Litecoin move kind of in sync because Litecoin does a lot of stuff on the Bitcoin network. Stacks does the same thing, but Stacks is $2 instead of $140.
What the heck does it do? If you cannot afford the $100,000 for Bitcoin, Stacks is your way to get all the benefits of the Bitcoin network for much, much cheaper. Stacks, in the simplest terms, is a token that makes smart contracts on the Bitcoin blockchain possible. Before Stacks, Bitcoin was just a store of value, but they're actually starting to expand the Bitcoin blockchain to pull in more programs.
And they use programs such as Stacks where they actually are- Oh, we talked about their- I think we actually had a conversation back when I realized the gas thing and the freaking blockchain speed was a big issue. And I said, I bet if somebody ever came up with something that would make Bitcoin more usable, that they would take off. Mm-hmm.
So this is- well, they actually have- now you can run complex applications and programs on the Bitcoin blockchain that were not possible two or three years ago. Which means there should be actual NFTs and stuff coming out on blockchain and E-apps and all sorts of stuff. But I like Stacks better than the other ones.
I think it would also make staking and stuff cheaper too. And this may actually be the gateway to make the gas fees cheaper. Because Stacks is the cheapest.
It's like $2. It's like less than $2. That's crazy.
And it moves and locks up. If you pull up the Bitcoin chart and the Stacks chart, you'll see they literally are mirroring each other. So when Bitcoin goes up to a million dollars, Stacks is going to go from like- Proportionately up.
$2 up to like, who the hell knows, 50 or 60 bucks. I think this one will X a lot more than Bitcoin does just because it has a smaller starting price. But if you don't have enough money to get into Bitcoin and you don't want to miss the Bitcoin surge, Stacks is the way to do it.
Or Litecoin. But Litecoin is $160. I was going to say Litecoin is the other option.
But if STX is $2, that one's got my vote. Those are the new ones for this year. This one actually has usability because it's actually taking a functionality aspect of the Bitcoin.
Whereas I think Litecoin is literally just- Just the pay thing, isn't it? I think it's just like a lighter version, which- Just pay for- Yeah, I don't think that one has much. Yeah. I believe that if you remember back in- When was this? So the halving was in 2024.
That means the previous halving was in 2020. That means in 2021, there were so many millionaires created because of crypto. So now you guys can be part of that because I fully expected- You put a lot of- Not a lot.
Not even a lot. A couple thousand dollars in these cryptos. You're going to have probably over $100,000 by the time it's said and done.
So it's like- These are all really, really good ones. It would be better suited into one of these instead. If you don't believe me, just go back and research the number of millionaires from year to year.
And you'll see in 2021, there was a disparate number of millionaires compared to the trend that was going. That's because they had all these Gen Zers and whatever that were just all crypto crazy. And they were just investing in crypto.
There were so many crypto millionaires, man. Yep, yep, yep. 2025, 2026 is going to be the next boom for crypto millionaires.
You got that lottery, Jones. And for real, this is a better thing to do. All five of these new ones are fucking awesome.
Yeah. And I would say that- What do you think the odds of actually one of these doing what you're saying versus winning a lottery ticket? I think- It has to be like- I think the odds of all five of these is probably 75% they're going to shoot up multiple Xs. Yeah.
Versus the lottery ticket is like- You have a better chance of getting struck by lightning. The lottery tickets, for really good money in the lottery, you're looking at probably one in- Oh, man. It's like- 700.
700. I mean, say you spent $20 on a lottery ticket and you won- Oh, I'm talking about a big hit. Big hit would be like probably one in 700, be my guess.
Oh, I feel like the odds of that- You're thinking the Powerball and the- Yeah, that's what I'm thinking. Mega money and shit like that. That's like, yeah, that's like one in three trillion something or other.
That's what I'm saying. So what she's saying is you have a better odds of making a millionaire with crypto than you do the lottery. These are bangers.
We'll check back in at the end of the year, but that's that. I have no idea what we're doing next week. I think next week is- Do you need me to pull it up? Yes.
Next week is- What the hell did I just write about? 60/40. Oh, the 60/40 2.0. Oh, my God. I'm excited to bring this to you guys.
She bulge. She bulge. If you get it, you'll get it.
But that's for this week. Thank you, guys. Are you going to explain just a smidgy of what the 60/40 is? 60/40- Or what at least the old 6040 was.
You would invest 60% of your retirement- Your portfolio was in equities, stocks. And then 40% was in bonds. That was what the 60/40 was.
Well, I've actually came up with a way that I think is going to generate more money for you with similar returns. By money, I mean income. Like we're talking dividends and interest and shit like that where you actually get paycheck every month.
And the reason we're saying this is because Tim found out that bonds kind of decoupled with being opposite of stocks. Prior to COVID, when stocks went up, bonds went down. After COVID, when stocks went up, bonds went up.
When stocks went down, bonds went down. They didn't go down as severe or didn't go up as severe, but they actually started moving in the same direction to stocks. And the whole premise of the 60/40 is- To have the opposite.
When stocks go up, bonds go down. And when bonds go up, stocks go down. That was the whole premise.
Preserve the value of your portfolio is what the whole point of that is. So now that that's essentially not a thing anymore, that rule is- It could be not a thing. I'm just saying in the recent data suggests that it's not a thing anymore.
So I had to come up with a different way because- And just buying bonds is such a bitch. True, even though we do do it. So that's next week.
We have a 60/40 2.0. It is pretty exciting stuff to share with you guys. I mean you guys should, for the most part, know it by now, but we'll see. We're going to pull up the portfolio.
We'll show you these are all our equities and here's all of our 40% and stuff. It's going to be good times. Look, I'm done.
Oh my gosh, Tim. See you guys later.