The Crypto Revolution and the Tokenization of Everything

Brushy Bill

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I missed the bitcoin train, but I'm here for the Real Wold Asset train. Holding XRP, XLM, XDC, Hbar, Algo and a few others. Tokenization is going to be a game changer. Genius Act is passed, Clarity Act is coming. Anybody else excited for what comes next?
 
Oct 23, 2025
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Oh yeah. I didn’t get in util after the election last November and the pump that followed, but I’m glad I did it. Just the utility tokens and getting what I can afford. The 4th and 5th Industrial Revolution is coming and most people don’t realize it.
 
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Oct 23, 2025
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I cashed out my 401k and put it in this 🤞
What no Fart Coin? lol. Don’t do the meme coins brother, just the utility tokens and hold. I don’t do leverage I’m here for the long run. You’ll see all the institutional adoption Fomo’ing in 2026 IMO.
 

Nightwish

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Jul 10, 2025
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This is like when you see a retired actor doing commercials for gold coins at 1 am and then they casually throw in that some sort of depression is on the way but good luck to everyone and their fake currency schemes. No way that's gonna fall apart and backfire.
 

Brushy Bill

Hall of Famer
Mar 31, 2009
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Oh yeah. I didn’t get in util after the election last November and the pump that followed, but I’m glad I did it. Just the utility tokens and getting what I can afford. The 4th and 5th Industrial Revolution is coming and most people don’t realize it.
You can tell by the responses that they don't even care to learn about it.
 
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Oct 23, 2025
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This is like when you see a retired actor doing commercials for gold coins at 1 am and then they casually throw in that some sort of depression is on the way but good luck to everyone and their fake currency schemes. No way that's gonna fall apart and backfire.
You’re talking meme coins which I agree. We’re talking blockchain technology that everyone from Franklin Templeton, Citi, etc even Nasdaq is moving to. Look it up if you want, or don’t. Money will move fast, cheap, and easy like using the internet. Stocks, bonds, real estate, Everything will be tokenized within the next couple years. BlackRock has talked about the tokenization of everything and they’re the largest asset manager on earth. Combine Blockchain and AI and that’s what I mean when I say the 4th and 5th Industrial Revolution is coming and most people don’t understand or care.
 
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Brushy Bill

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You’re talking meme coins which I agree. We’re talking blockchain technology that everyone from Franklin Templeton, Citi, etc even Nasdaq is moving to. Look it up if you want, or don’t. Money will move fast, cheap, and easy like using the internet. Stocks, bonds, real estate, Everything will be tokenized within the next couple years. BlackRock has talked about the tokenization of everything and they’re the largest asset manager on earth. Combine Blockchain and AI and that’s what I mean when I say the 4th and 5th Industrial Revolution is coming and most people don’t understand or care.
I'm fairly diversified, but I'm bullish on XRP. I think the SEC case ending, regulatory clarity and ETFs will lead to significant gains in relatively short order. Ripple has also been positioning itself to break out with it's acquisitions this year.
 
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Oct 23, 2025
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I'm fairly diversified, but I'm bullish on XRP. I think the SEC case ending, regulatory clarity and ETFs will lead to significant gains in relatively short order. Ripple has also been positioning itself to break out with it's acquisitions this year.
I’m the same, XRP is my main holding along with about 5 others. The light bulb went on for me when I realized the value will be about the use case. I may take profit in a couple smaller investments but I’m here for the yield whenever that time comes. Earning passive income is what I’m dreaming about. So much I don’t know yet but hope it’ll become clearer as it progresses.
 
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Oct 23, 2025
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Iso20022 goes in effect in a couple weeks, hopefully the shut down ends soon and Clarity gets passed. There’s a dark side of crypto too when it comes to digital ID that I don’t want think about.
 
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Brushy Bill

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People don't understand what tokenization is going to do to all sectors. Owning a tiny portion of a real world asset that you're able to trade 24/7/365 at the push of a button, that will settle instantly, is amazing.
 
Oct 23, 2025
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It’s a mind bender for me. Imagine owning a fractional part of real estate say in Dubai, favorite sports team, favourite entertainers next flick or album. Honestly, forget NIL, as big as BBN is, tokenize the basketball and football programs and watch the money flow. I doubt MB is very forward thinking tho, but I can see it going there.
 
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Brushy Bill

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What is XRP and what in the world are you guys talking about.
XRP is the native token (train car) that runs on the XRP ledger (train tracks). It is vying to take over a portion of large scale money transfers for banks and institutions - what SWIFT does - and it does so for pennies per transfer instead of the thousands required now, and it does so in seconds not days. To do so it will require a price point that is significantly higher than it's current value now, so it's worth looking into and deciding for yourself if it's a good investment.
 
Oct 23, 2025
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Nice BB! Let me add that it’s a bridge asset. It bridges or moves anything of value. Example: dollar-> XRP->yen. It able to handle huge amount of transactions fast and cheap. It will take over Swift and banks won’t have to carry Nostro Vostro. It’ll be the plumbing in the background nobody will notice.
You’re going to start hearing about stable coins. A lot of countries will have their own stable coins ( it’s digital fiat money). All of this will move on a blockchain ledger
Google search Iso20022. It will tell you what coins will have real world use and not just a speculation/hype coin. There’s about 10 of them. They will be the ones moving money around the world.
Hope it helps, it’s a transformation of the financial system
 

natron20

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Oct 11, 2006
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Can someone point me to resources that will explain this to me like I’m 12?

Im 47, max out my 401k contribution every year, put discretionary income into mutual funds on acorns, so I’ve been wondering about finding somewhere else I might be able to invest. I’m an absolute idiot about things like crypto, bitcoin, etc.
 

Brushy Bill

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Can someone point me to resources that will explain this to me like I’m 12?

Im 47, max out my 401k contribution every year, put discretionary income into mutual funds on acorns, so I’ve been wondering about finding somewhere else I might be able to invest. I’m an absolute idiot about things like crypto, bitcoin, etc.
 
Feb 27, 2003
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Can someone point me to resources that will explain this to me like I’m 12?

Im 47, max out my 401k contribution every year, put discretionary income into mutual funds on acorns, so I’ve been wondering about finding somewhere else I might be able to invest. I’m an absolute idiot about things like crypto, bitcoin, etc.

I personally think anywhere between 5-10% of your portfolio in crypto is not a bad idea, that’s where I’m at. Mine is in the fidelity bitcoin trust (FBCT). Black rock has one as well. A very easy way to get exposure to bitcoin without the complexities of a crypto wallet and all that other crap / can just trade it on E*trade like a stock. Reading about this XRP is a hard pass for me. Maybe you can make an argument for etherium but in my mind bitcoin is basically going to be the new gold in 20 years and should keep increasing in value.
 
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LineSkiCat14

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I realize you're being sarcastic, but for those interested ETFs are coming if you don't want to hold the tokens but want exposure to the asset. The inflow of cash will be beneficial to those of us who do hold the tokens.

Ill defer to you, because you clearly know more on this subject than me. Obviously being sarcastic and being a smart ***.

But, all the crypto stuff ever seems to amount to is 1% of early investors making a killing and everyone else left holding the bag. First it was bitcoin, then it was block chain, then it was these other coins, then it was NFTs. Will this be different? Is there really a pathway to making a gajillion?
 

Brushy Bill

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Ill defer to you, because you clearly know more on this subject than me. Obviously being sarcastic and being a smart ***.

But, all the crypto stuff ever seems to amount to is 1% of early investors making a killing and everyone else left holding the bag. First it was bitcoin, then it was block chain, then it was these other coins, then it was NFTs. Will this be different? Is there really a pathway to making a gajillion?
This is different the the speculation driven hypecoin pyramids schemes. The financial sector is evolving to use blockchain as a faster, and infinitely more efficient, way to move value and if you know which chains are going to end up with a slice of the pie ROIs could be significant. Think of them as an investment to hold as the transition occurs.

PS It's still early to get in, but the window is closing rapidly.
 
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Hank Camacho

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I personally think anywhere between 5-10% of your portfolio in crypto is not a bad idea, that’s where I’m at. Mine is in the fidelity bitcoin trust (FBCT). Black rock has one as well. A very easy way to get exposure to bitcoin without the complexities of a crypto wallet and all that other crap / can just trade it on E*trade like a stock. Reading about this XRP is a hard pass for me. Maybe you can make an argument for etherium but in my mind bitcoin is basically going to be the new gold in 20 years and should keep increasing in value.
I feel plenty invested in crypto by buying an S&P 500 index fund. This nonsense just sounds like a great way for grifters to take dumb people's money. If someone gave me crypto, I'd immediately sell it and put the balance in VTSAX.

 
Feb 27, 2003
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I feel plenty invested in crypto by buying an S&P 500 index fund. This nonsense just sounds like a great way for grifters to take dumb people's money. If someone gave me crypto, I'd immediately sell it and put the balance in VTSAX.



94% of my investments are index funds (with like 80% of the 94% in the s&p 500) but the amount I have in bitcoin for the last 16 months is up like 48%. Bitcoin isn’t going anywhere, it’s getting to the point where it’s too big to fail and both countries and huge financial institutions are starting to back it. It’s much better to have then putting money in a CD or money market account imo. The fact that it’s finite is pretty attractive.
 

Brushy Bill

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Mar 31, 2009
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94% of my investments are index funds (with like 80% of the 94% in the s&p 500) but the amount I have in bitcoin for the last 16 months is up like 48%. Bitcoin isn’t going anywhere, it’s getting to the point where it’s too big to fail and both countries and huge financial institutions are starting to back it. It’s much better to have then putting money in a CD or money market account imo. The fact that it’s finite is pretty attractive.
Bitcoins best use is as a store of value, like gold. As an actual useful token, it's clunky, time consuming and relative to other options costly. Still a good investment IMO.
 

Brushy Bill

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Crypto is speculation on rising prices, not investment as there is no intrinsic underlying business.

Gold isnt an investment either and is a stupid place to put dollars. If someone offered me any sort of crypto I would treat the same as if they offered me a beanie baby in the 90s. Same thing.
I think you're wrong, With the Genius Act and coming Clarity Act the real world usefulness of Blockchain technology is set to be unleashed. Real world value and utility.
 
Oct 23, 2025
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94% of my investments are index funds (with like 80% of the 94% in the s&p 500) but the amount I have in bitcoin for the last 16 months is up like 48%. Bitcoin isn’t going anywhere, it’s getting to the point where it’s too big to fail and both countries and huge financial institutions are starting to back it. It’s much better to have then putting money in a CD or money market account imo. The fact that it’s finite is pretty attractive.
Everybody should do what they’re comfortable with, there’s no guarantees with anything, just depends on your risk tolerance, vision, and conviction. Over the same 16 months XRP is up about 285%. No doubt people were saying it’s foolish to buy bitcoin in 2017 for $900, now it’s over 100k. You also need to look at ROI, whatever is invested in bitcoin they’re hoping to double maybe triple in the next few years right? There’s more growth out there with tokens that actually do something ( they have a job to move value) with a higher ROI. I have a 401 with index funds that’s done well but I leave a small bit just for growth. Anyway, it’s all good I just enjoy discussing this stuff we can all help each other!
 

Brushy Bill

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Blockchain technology is not the same as cryptocurrency. Blockchain is a technology with legitimate business utility. Cryptocurrency is basically nothing more than a conduit for illegal commerce and to sell to bigger fools than the person who bought it.
WTF do you think blockchains use?
 
Oct 23, 2025
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Blockchain technology is not the same as cryptocurrency. Blockchain is a technology with legitimate business utility. Cryptocurrency is basically nothing more than a conduit for illegal commerce and to sell to bigger fools than the person who bought it.
It has been I agree, but the Clarity Act that’s in the Senate waiting for approval after shutdown ends will help give consumer protections and greater transparency. You can’t hide on an open ledger and Trump said he wants it on his desk by end of year to sign. He wants US to be crypto capital of the world. The dollar has lost, what 20% value in 5 years? A transition is happening and really no one can stop it.
 

Wayne Dougan

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People don't understand what tokenization is going to do to all sectors. Owning a tiny portion of a real world asset that you're able to trade 24/7/365 at the push of a button, that will settle instantly, is amazing.
Brought to you by the same retard who led the flat earth thread.
 
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Wayne Dougan

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Crypto is speculation on rising prices, not investment as there is no intrinsic underlying business.

Gold isnt an investment either and is a stupid place to put dollars. If someone offered me any sort of crypto I would treat the same as if they offered me a beanie baby in the 90s. Same thing.

Your crypto point is spot on. US dollars - a fiat currency - are 1) backed by the US government and 2) backed by our banking system in that dollars are created by commercial banks due to loan origination based on housing stocks, business generation, etc. Crypto is not backed by ANYTHING. And at least with cash, worst case scenario you can burn it to stay warm. Crypto is just a few electrons.

Regarding your second point. I'm not sure about Gold not being an investment. Sure, a pound of gold can buy you an F-150, and I'd much rather have an F-150 than a pound of a shiny rock. But there is legit demand for gold across the world for jewelry. And they believe they have mined roughly 80% of the world's total stock of gold. For this reason, I believe it is an investment in the same way rare art is an investment.
 
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Hank Camacho

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Regarding your second point. I'm not sure about Gold not being an investment. Sure, a pound of gold can buy you an F-150, and I'd much rather have an F-150 than a pound of a shiny rock. But there is legit demand for gold across the world for jewelry. And they believe they have mined roughly 80% of the world's total stock of gold. For this reason, I believe it is an investment in the same way rare art is an investment.
I don't disagree with that except to quibble. I would still consider putting money in gold to be speculation rather than investment because it requires that in the future, someone else will be willing to buy it from you for a price higher than the current market. This is categorically different than a stock or bond where there is an underlying revenue stream to value and assess to determine if the market price is roughly accurate.

With that said, gold is still a precious, rare metal that has historically been both a way to store value similar to cash and, in times of calamity, a lingua franca currency. In other words, I consider buying gold to be betting rather than investing but I don't consider it to be a sucker's bet, like I do with crypto.

To go back to crypto, I think it fits a special psychological need for the people who go crazy over it that explains most of the mania over it. There is an appeal to a certain subsection of the population to a currency that is not attached to a sovereign government. I don't understand that appeal because, as you state, I'll take my money in dollars because the dollar is backed by the US Government and all the power that entails.

Aside from crypto not being attached to a sovereign nation, it is conceptually the same to convert dollars to bitcoin, yuan, or dinars. So there has to be something else that explains the mania.
 
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Feb 27, 2003
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Your crypto point is spot on. US dollars - a fiat currency - are 1) backed by the US government and 2) backed by our banking system in that dollars are created by commercial banks due to loan origination based on housing stocks, business generation, etc. Crypto is not backed by ANYTHING. And at least with cash, worst case scenario you can burn it to stay warm. Crypto is just a few electrons.

Regarding your second point. I'm not sure about Gold not being an investment. Sure, a pound of gold can buy you an F-150, and I'd much rather have an F-150 than a pound of a shiny rock. But there is legit demand for gold across the world for jewelry. And they believe they have mined roughly 80% of the world's total stock of gold. For this reason, I believe it is an investment in the same way rare art is an investment.

Bitcoin is going to be the new gold. As it stands, right now, you could have your digital wallet with a bitcoin on it, worth 100k+, and also buy a truck just as easily as you could with gold. You can take that digital Zip drive, load it into coinbase, and sell it in 5 seconds for, again, 100k +. If you had 100k in bitcoin a year ago you’d have 150k now, if you had 100k in cash a year ago, it equivalent to 97k now due to inflation. If we get to the point where we’re burning money for heat we’re all absolutely screwed no matter what you’re holding.
As it stands now, bitcoin is getting backed and adopted by more and more
Institutions and governments. It’s not going anywhere. You can now buy it in etf form from giant companies like fidelity and people will soon be able to have it in their 401k. Saying bitcoin “is just a few electrons”. It’s all ********. A 1,000 dollar bill is printed on the same .01 cent piece of paper as a 1 dollar bill. It’s all make believe. Right now a bitcoin has real value and it’s not changing. Look at the company strategy - they are now giving a 10% stock distribution simply because they hold so much bitcoin. Either get on the train or get left off imo. Try and find a good financial investor that’s not holding at least 5% bitcoin now.