 Let me just ask that news to get top stories and crypto currency last sets and break them out of bite size pieces today. That's a pretty great stuff. I mean, first up, everything's going great in the digital asset and cryptocurrency market and here is more proof. Filling the heat from employees, Wall Street banks get closer to adopting Bitcoin. And we're going to take a look at a small town hall meeting that was held by hedge fund managers and the actual vice president of JP Morgan had to get involved. We're going to take a look at that. Also going to move on to the Voyager loyalty program, which was just announced today by CEO, Steve Erlich, and I'm going to tell you exactly what was said. Some things that I found that were fascinating, some things that were just okay. And finally, we're going to take a look at the things that are actually moving Polkadot such as pulse medical records on Polkadot's blockchain as Sclepius, Sclepius network for brands to pulse network. Pretty good rebrand and ahead of the view. And what I really want to talk about is not just the nuts and bolts of it, but just to show you that there's a lot of things being built on Polkadot and it's a pretty good bet. So we'll do all those things. But first, take a look at what's going on into the market. And today it is, she's was February 12, 3pm, I'll pass with Texas time. And it's a pretty great day so far. Hopefully everything goes well for the weekend and we'll see what happens. So this is what we have. Let me blow this up real quick to see what we have going on. So first up, Bitcoin massive. It's actually not that massive, you know, one and a half percent, boy, it's had a great, you know, seven day run and we're almost going to hit 48,000. The real question is, are we going to be able to hit 50,000 by the weekend? Well, typically you'll see a little bit of a pullback, Asian markets, whatever you want to say, but you usually don't see a big huge run up on the weekend. But who knows? It is cryptocurrency. Therian blasts over 1800 and we're at 1850. So looking pretty good, 5% in 24 hour time frame. Tell us, Tether, Cardano, it's down a little bit, but still it's right below that dollar mark. And to me, like when I when I hear about Cardano, almost at a dollar, it's just amazing to me because remember when it was like nothing, it was like eight cents, six cents, 13 cents. And everybody's like, it's just Cardano, it sucks. And it'll never move. And they're so slow. They make all these announcements and we'll look where we're at today. So if you held Cardano, congratulations. You're in the money. Polkadot is making some fantastic gains, 17% in 24 hour time frame. And just to be clear, on this channel, I am biased. And I know a lot of other channels will tell you the exact opposite, but not here. I am biased and the things that I invest in usually cover a heck of a lot more than other things. So when I get excited about certain projects, because I'm biased, that's just how it is. Now, it's not like I don't cover other projects, although I don't really do it that much. But if you hear me covering a project and everybody knows my portfolio, you can look at a number or a plethora of different videos out there. These are the ones I like to talk about in focus. And that is just me. Change my mind, tell me about your great project and I'll cover it. And yeah, Chainlink, 11%, Stellar12, 6, I mean, everything's up. It's a great day. Uniswap is up 10% in a day. Unbelievable. 22, almost 23 bucks. Yeah, I like to see all this. Ave, looking great, looking great. And then going down, because unfortunately we have to, to find my big pick, Voyager token up 42% for a 24-hour time frame. And we're looking at 331 or 339. So not too shabby of what is going on. So again, I'm biased and I make no bones about it. That's just how it is. And I talk a lot about my same projects. Now, a lot of those videos have to do with Bitcoin and Ethereum and Chainlink and Cardano, especially Cardano lately. So today, let's just jump in and talk about little Bitcoin, shall we? So let's take a look at what we got. So first up, this was a pretty, I'm not gonna play the video. It's a good one. I'll link in the description, you can check it out. But it's just fascinating to me that smart money is so reserved, but I mean, I guess I kind of get it because, you know, you have to understand in some of these smart money projects, they're kind of like, look, we need to minimize our risk and maximize our upside potential. So they're just kind of stay in the background going, what's going on? And I don't know how much more proof that they need, but if you've got a Tesla, you've got a mass mutual, you had the oldest United States bank, Mellon getting into the fray where someone told me they have like trillions of assets that are management. Pretty amazing. And they're going to start to embrace cryptocurrency so people can actually hold it. I don't know what you need, but whatever. I'm not smart money, I'm dumb money. Last month, during a town hall meeting, held for thousands of JP Morgan Chase traders and sales personals around the world, little markets head, Tony Rarba, I think I know him, acknowledged a question that is increasingly being asked by the banks and employees, when will they get involved in Bitcoin? Because, you know, it's only gone up all massively over the last year. We're looking at a 200% increase. So, you know, what are we going to do that? Or actually 300%. So, I mean, it is the only the best performing asset class of the decade. So maybe in a hundred years they'll get into it. I have no idea. To answer that question, Rarba, who had logged in the January 1817 Zoom call from his New York office, brought in his boss, JP Morgan co-president, Daniel Pinto, according to people with knowledge of the meeting. Pinto's signal, he was open minded about Bitcoin, but he declined to be identified when speaking about an internal event. So he's like, yeah, we're looking at Bitcoin, but that didn't happen. Then he states, if over time an asset class develops that is going to be used by different asset managers and investors, we will have to be involved. Pinto said in an interview, demand, this is hilarious. The demand isn't there yet, but I'm sure it'll be at some point. This is the same company, let me remind you, who said that Bitcoin is a topped out and it wouldn't go above 40,000. What do you think they're doing in the background? They're probably just going, you know what, you suckers. We've been playing you guys for a long time. What we're going to do is we're going to just create fun and we're going to bring this to the attention of everybody and hopefully it'll drop and you'll sell like crazy and we'll buy it up as soon as we can get this right past the SEC because we're a public trade company. This is what I think about, it could be wrong. We know what you think in the comments section, but that's just how I see it. And this was a, well, before I go into this next part, the gentleman here, who was this? Usan, the guy in the right, he said that he had actually interviewed Daniel Pinto and he said he's actually talked to him for multiple years about Bitcoin. He said, every year was the same thing. He was kind of like just standing off as he goes, but he said it was pretty amazing when I talked to him this year recently about Bitcoin. He seemed like he was more, not so much on the fence, but really more going to get into it. So again, like when you see all these huge corporations and entities and institutions and hedge fund managers and everybody and their mother getting into it and pensions, you got to think to yourself like, I mean, how much more do you need? Anyhow, to finish this up, JP Morgan traders, and this was interesting, JP Morgan traders aren't the only ranks of crypto at big banks. Last week, Goldman Sachs hosted a private forum with Mike Novogratz, co-founder, CEO, co-founder of Galaxy Digital for employees and clients. And Novogratz just went in there and just talked for like 90 minutes about what's going on. So look, all these things that are happening right now, you have, like I said, you have all this smart money coming in and going, you know, we think we're gonna do it, but we're not for sure, we're not in the fence. It just seems very odd to me that they're this much on the fence as far as with Bitcoin and cryptocurrency, especially with when you had Michael Saylor hosting that enormous event on February, was it 3rd and 4th or 2nd and 3rd? We had all those corporations immediately after or at least a couple of days after he had Tesla announced, hey, we're going to start buying up Bitcoin. And then everybody that's kind of in that whole paradigm of what's gonna happen. I think we're gonna see a lot of big ones. I've heard rumors and rumblings and maybe Oracle, Apple, I don't really think so, but whatever, but Oracle, but there is this word. There is this word I really wanna delve into. And we're gonna go into this in detail tomorrow morning. This is from me, Kevin. Again, I talked about this yesterday. And the word is indefinite lived intangible assets. And there's some documentation that I came across that was sent to me from different entities that this makes everything a no-brainer. I'll explain all that tomorrow, but that's for a whole other video. Anyhow, let me just think of the comment section. Let's move on to our next piece, which is the Voyager loyalty program relaunch. And I was a part of this today. It was me, CJ from Record Rebellion, and Steve, the CEO of Voyager. And we just talked about a couple of things. First, it wasn't just about the Voyager loyalty program. In actuality, we talked about a lot of different things. First up, we talked about, let me bring this. This was brought to my attention. I kind of just glanced over this, but there was a Voyager raised 100 million by private placement. So a lot of institutions, a lot of hedge fund managers, a lot of big players in the space that I can't tell you who it was, but it was a lot of people with a lot of money. We'll just say that. And when we were talking to Steve off camera, he just says, hey, this is pretty big for us. And now that I have this, you know, a new war chest of different money, we can invest into the more so in the infrastructure, even more than we've already done. So when I was thinking about this and I saw this, I was like, okay, Steve, that's great that they invest into that. And I asked them before camera, and I asked them on camera. And I will link this interview at the end. But I said, I'm worried because, you have to understand like Alex and CJ and of course, Steve, they're all institution side, right? And I'm all, I am just retail. I'm just like you, I just don't have a ton of money. I just do my best. And I'm like, when I see a bunch of institutions coming in and they're investing into, I mean, Bitcoin is one thing that they're gonna put on the treasury and their balance sheet. Sure, I'm good with that. But when I see a bunch of people come in and they're investing into VGX, into Voyager, and what's going on, I'm like, what do you mean about that? For us, is that gonna be like a big rug pull at some point they're gonna invest into? Well, first they're gonna invest into Voyager, the company, the public trade company, but that's gonna go a long way for VGX and Token. He goes, no, he goes, these guys, and just watch the video. He's like, a lot of them come to me and go, you know what, we've got no short position. We've tried it, didn't work out too hot for us. We don't have that confidence to go around this round with you. So we are gonna be in here for the long haul. I asked him, what was the sentiment? I mean, how'd you feel about it? What would you get from him? He goes, you know what, all these guys are solid. All these guys and gals are solid and they really want a part of it with us because they see the future. He goes, and that's what we're really impressed about. They brought a lot of money. He goes, we had to stop. He goes, I'm sure we'll do the funding at some point. He goes, but that's what we got. So to me, I'm like, that's great. If you got a lot of people who are, again, smart money, hopefully smarter than JP Morgan, and they say, hey, we see where things are going. We wanna be a part of this train. Let's just game on. I'm down with that. So there was that part. The second thing that was asked was, of course, the wedding list. I know if you're on the wedding list, sorry, it is what it is, right? And he broke down some numbers. He goes, look, we've got about 106 million, no, sorry, 106,000, 106 million, Jesus. 106,000 funded accounts that were actively trading before everything went off with Wall Street bets. And then we got this massive influx of around 250,000 in four days. He goes, we didn't see that coming. He goes, but now we see exactly where we're going. And he's like, we're gonna upgrade, we're gonna do some infrastructure and things like that. And I was like, okay, Steve, that's great. You know, you're talking about infrastructure and doing these things. This is the same that he told us last time. So I need specifics, man. And you gotta tell me what's going on. Not that he owes me anything. I just asked the questions, right? And he goes, yeah, yeah, he goes fair enough. He goes, do we beat the problems? He goes, we brought in the team from Uber. Uber had the same type of issue. They had a massive scaling issue and they had to bring in some really high tech, high speed individuals. And it was a big, massive team. He goes, we're bringing that same team in. And he said, what our goal is, is for 10 million users. 10 million users. 10 million users. He goes, so, you know, we have 106,000 funded right now. We got, you know, 240 that came in. He goes, but we see 10 million. Okay. So we talked about that. I, sorry, I can't stress that enough. I mean, 10 million, that's a ton. Like, I think Robin Hood, we're thinking at six, eight million somewhere around there. He's thinking about 10 million. He's talking about this year. That's pretty big. So what does that mean for the token? Well, first of all, I asked him a question. He goes, Steve, what about this ERC-20? Cause your VGX token is, it's an ERC-20. And right now that's bad news, not bad news, but it's expensive. And I said, how about transferring it over to a Cardano or some other network? And he goes, you know what? He goes, we're thinking about that. He goes, we could do that. And now that we have 100 million, we have a lot of options to do it. He goes, but we're also looking at all go because that's one of our partners. And he goes, we might do one of those things. He goes, it's up in the air right now. I was like, okay, great. So that was just that part. Pretty happy about that. Now let's get into the very next part, which I think is probably the more important one, which is the loyalty program. Cause that's what it really all comes around to. And if you haven't been around for why I talk about these loyalty program and tokenomics and utility, then I just have to ask you a question. What do you invest in? And what does that token do? Like right now today, what does it actually do for you? You know, I don't know what you're invested into. Like a tomato coin puts marinara on the blush. I don't know what it is, but what is your token do? What is it doing? What are people building on it? If you can't really answer that question, then it is a highly speculative asset, right? But if it's actually doing something that puts you out, you know, that much farther. I wanna show you. So the question to me always is, why is Binance Coin going up so much? It doesn't make any sense, right? What does it do? Is it currency? No, not really. You know, what is it just, you know, for the exchange? Where's the thing? Binance Coin has gone up amazingly in the last, well, it just takes seven days. 14%, 14 days has been up 200% in two weeks, 200%. 30 days, 253 in a year, 424. Why has that happened? It's because of utility. Utility and what it does. So if you own a bunch of, or just you own Binance Bitcoin, right? And we covered this a couple of days ago. I'm not gonna beat this down to the pulp, but you can save on fees. You can stake it. You get a good interest rate. You've, what else is there? There's launch pools. So the more you have, the more that the newer type of crypto that comes out, you can actually get pieces of that. Lockstaking, DeFi staking, rewards just for the amount of Binance Coin that you have. And then for Binance, let me see here. I forgot the market cap, I don't care. So equiliting supply is 147 and the max supply is 179 million. So again, the more that is locked up, the more that if you take a lot of it off the market and they're still the same demand, what does that mean? That means the price goes up, right? Because everybody wants Binance Coin because they wanna lower their fees. Anything we just talked about. So that's a utility and that's what we're talking about. And that's what we talked about. Actually, let me see if I can pull this. When I talked about the whole value proposition for Voyager and we talked about this in depth, you can watch the video, I'll link it at some point somewhere. But it's just where my price fiction of why, I think it's going to 29 cents to 30. Mind you, that 29 cents was on January 7th and we're at 350 right now, somewhere around. So it all comes down to the utility, right? What is it being? The tokenomics, Metcalfe law, the more connections that you have, the network effects, blah, blah, right? Okay, got you. So the more people we have, the better off we are. So what makes Voyager have that tokenomics and why am I so excited about it? Well, it's because the Voyager loyalty program that Steve talked about today. So this was the old one, okay? This is not the one that we're talking about, but I wanted to compare it to what he told us it would be. And this new one was going to come out in like the next 30 days, I think he said, 30 to 45, I forgot. So there's three tiers in the old one, there's three tiers in the new one. And the problem with this one is like, people were like, well, hold on, if the different rewards is only 25 Voyager tokens or 50 or 100, what does that do? Because it doesn't really lock things up. It's not like that's a ton to lock up. So who cares, right? If we need a lot of these to be locked up, just like other places, I suppose. And the more that you lock up, again, the better off your debit card fees, referral bonus rewards, withdrawal fees, savings, interest booster, all that stuff we'll do, which is good, but it really doesn't do much for the value of the token. It's okay for everything else. So Steve listened to the team, to everybody and he brought it back to his team, excuse me. And he said, this is what he said. So what does bring this out? So first of all, these numbers are gonna change drastically. And he said, right now, preliminary, it's gonna be for the first level, it's 500 Voyager tokens. Next level is gonna be 5,000 and the third and top tier is gonna be 20,000. That's a lot of tokens. So some people are like, well, dang it, now I can't get into this tier, I want them lower. You can't have it both ways. You can't have it both ways. So if you want this to be locked up, this is what it's gonna have to be. And so another thing is this, there is no free rides. So I mean, my whole portfolio has taken me years to accumulate dollar cost averaging. And sometimes it sucks because you just see everything go down. Sometimes it's good, but over the last two and a half years, it was pretty awful, right? We all went through 2018, 2019. And here we are in 2020, then 21. So it's pretty tough to go through all these things. There is, again, there is no pleasure without a little bit of pain and this is where we're at. So when people talk about, oh, now I can't get to it, we'll just start investing, dollar cost averaging or value cost averaging, it's up to you. That's just how it goes. So then, so we talked about that. I talked to him about there's gonna be a potential crypto to stock option. So you're gonna be able to take any verified it. It's in the pipeline, we're gonna do it. You're gonna be able to take crypto like a Bitcoin and exchange it, swap it out for a Tesla stock, just like that. And then of course, the more voyage tokens you have, the less the fees are and so on and so forth. So that's good. And then, so my big thing was, well, what can we stake it? And he said, yeah, we can stake it at 7%. And I go, well, that's great, but then that's gonna be inflationary because we're just gonna keep building up more tokens. And he goes, oh no, he goes, we're also going to be burning. Everything that we take back as far as fees and voyager will be burning 25%. He said, I don't know if it's gonna be monthly or quarterly, but we're gonna burn tokens so we can keep it deflationary. Like, great, that sounds good to me. Then he talks about the debit credit cards, which didn't really give too many details about that, but I would assume the more voyage tokens that you have, the more cashback rewards you get, also more on savings on withdrawals, even more so. And I won't say this. I did talk to Steve because there was a complaint about, hey, you've got to withdraw ADA cardano at 20. And then he listened to everybody and he dropped it, so that was good. It's still a little bit high on some points, I will admit that that is what it is. So savings on withdrawals. And somebody said, well, who cares? Because Celsius doesn't charge us anything to withdraw cryptocurrency. True, they don't, but you wanna buy some crypto on Celsius? Good luck, it's like 3.5%. And you can do that all day long. Not to dig into that, but I like Celsius. I own Celsius. I got a lot of, not a lot, I got 15% of my portfolio on Celsius and I'm gaining yields. I think it's great for that, but I'm not gonna buy crypto on it. And then they talked about BIP or basic pricing or base points. So like whatever you actually, so he talks about Voyager is a broker. They will find the best price for exchange depending. It's not always gonna be the fantastic great price, but it's pretty good so far. I could tell you it's way better than Coinbase. And then on top of that, depending on your level, you're also gonna get base points back for whatever you spent. So the more you trade, the more you actually get back. And then, oh, the 106,000 funded accounts. So I think just take a look at this real quick and just think to yourself, how does this compare with a Binance with another type of a token like a Swiss board or something like that? Do you think that this token could compete with a Binance token and what it does? And do you think it'll stay at $3.48 for 2021? Let me just take the comment section and that is essentially it for that piece. And then lastly, I wanna finish up, talk to you about Polkadot. So Polkadot, I don't really wanna get into the whole minutia of this one. It's just, again, talking about utility, the more things that are built on a chain, the better off it is. And these are the things that we're working, that we like to see. Cardano, a lot of people give me grief about that. They're like, well, what's being built on Cardano? Things, I don't know. I mean, they did sign a bunch of different contracts. There's things getting out of the pipe. There's an ERC-20 converter, at least. But yeah, we'd like to see some more action on Cardano. I think it's coming. And that's why I invested heavily into it on top of the fact. We've also got a stake pool, which you can find in the link below. That just says DNews Stake Pool. Check that out. And so I just wanna pull this and just show you that there are projects being built on Polkadot. This is just one of the many. And I think Polkadot's gonna be a pretty big one. I'm not gonna delve into it. But I will say this real quick, over at iTrust, iTrust Crypto IRA, which is the one that I have. I've been with them for nine months, 10 months or something like that. So they just offered Polkadot. And you can put that into your crypto IRA. There's a video about that. And you can find all the information. I like the IRA because this is the thing. They're gonna offer Polkadot that you can put in your IRA. And also they have Ethereum and they have gold and they have silver and they have Bitcoin, all that good stuff, right? But what's cool about them, I think it's gonna be bigger that people are not talking about, is that you're gonna be able to stake Polkadot and stake Ethereum. And then the gains that you make from that staking, from the rewards, you want it to be taxes on those. So if you are thinking about, wow, should I really do this? That's just, that's up to you, really. I have it so far and it works out pretty good. I will just say this, where is it? If you're looking for the links, first of all, here's the Dan Stake pool. Down here, if you wanna learn about iTrust, there's a video I made about 20 minutes or so, explains why I have a crypto IRA, what I invested into, what are their old options, how we can totally minimize taxes. And there's a one month free with link. And that is it. So that's it for today. Look, I know there's a lot of information, but there's some amazing things happening. You know what's crazy? Only February. I feel like we've got at least until the end of December, if the four year cycles are correct. And some people are even thinking about June 2022, we will extend this bull run. That's for another video, but that's all. Anyhow, if you made it to the end, I wanna say thanks so much for watching. I really appreciate it. If you liked it, give it a thumbs up. That really helped me out. Also consider subscribing because all these things we talk about are pretty time sensitive. And that is it. I will link those two videos on the left and right. Thanks for watching and I'll see you on the next one.