Jon Dowling Mark Z Zester Discuss The Great Wealth Transfer Latest Updates

➡ In this podcast, Mark Z and Zester discuss financial trends and predictions for the rest of the year and into 2026. They touch on topics like the growth of blockchain technology, the shifting political and financial landscape in Iraq, and the potential for a significant change in the monetary system. They also discuss the movement of businesses from China to Vietnam and the implications of this shift. Lastly, they explore the role of metals and cryptocurrencies in the current economic climate.
➡ The global economy is facing an unprecedented situation, with major countries around the world simultaneously struggling with unsustainable debt. This situation is unlike any other in history, with the closest comparison being the widespread impact of the Black Plague. Despite the grim outlook, this could present opportunities for wealth transfer. The Federal Reserve’s expected rate cut could significantly impact the crypto markets, and the economic collapse of countries like Iraq due to reliance on oil sales could lead to significant returns on investment.
➡ The discussion revolves around the shift towards digital currencies, particularly in Iraq, and the revaluation of gold. The speakers believe that these two events are interconnected and cannot occur separately. They also discuss the potential impact of this shift on the U.S. Federal Reserve and the global economy. The conversation also touches on the role of Bitcoin and other cryptocurrencies in this transition, emphasizing the value of decentralized networks over centralized ones.
➡ The speaker believes that while XRP has potential, its centralized nature is a drawback. They prefer a decentralized system like Bitcoin, which they believe will be valued properly in the future. They also discuss how stable coins make money by buying U.S. treasury bonds, not from trading. They believe Bitcoin, as the first of its kind, set the standard for other cryptocurrencies and will always be considered the creator of the new financial system, even if it’s not the future currency.
➡ The speaker believes that despite current market and debt evaluations, there will be attempts to sustain the current situation into the next year. They anticipate a potential market crash in the first quarter, but also foresee a moment of triumph where good overcomes evil. They highlight the importance of community support during these times and the opportunity for people to work together. Lastly, they discuss a significant change in search engine results for “XRP News”, which now directs to the U.S. Securities and Exchange Commission’s website, indicating a potential surge in interest or activity related to XRP.
➡ The speaker often appears on the John Dowling show and on YouTube, discussing topics like cryptocurrencies, finances, and artificial intelligence. They also express their opinions on articles they read. They mention a key sponsor, Noble Gold, and their special offer of a rare commemorative coin for qualified accounts. The speaker thanks their guests and wishes them a Merry Christmas, Happy Hanukkah, and a Happy New Year 2026.

Hi everyone. Welcome to our monthly podcast with the one and only, the original Mr. Mark Z and Zester joining us, his younger slate, short quote unquote younger counterpart joining us today and we’re always honored to have them back. We’re going to be discussing all things financial, of course, and where they see the movement of things for the remainder of this year into the first quarter of 2026 as a guidepost, if you will. If you’re new to the podcast, please do like subscribe and share. It helps the channel grow and others to gain in the knowledge are currently being afforded.

As you know, Mark is truther podcaster. He’s been in this for quite a while. A father, a philanthropist, a business owner and many other things. And of course Zester is a, we’re going to call him a subject matter expert on the the crypto side, specifically with the blockchain as he’s been the better part of 10 years studying code and language and just the internal workings and movements of the blockchain as it’s gone from its infancy stages to now where it’s getting ready to grow up and move forward. So I’ll be excited to hear from him on that.

How are gentlemen doing today? Fantastic. Just playing tourist, eating my popcorn and watching the world change. Indeed. Young man, how are you? Oh, I am doing well. Doing well. I had last week was a particularly boring week. This week has started off exciting and so I’m looking forward to it. I agree 100%. Yeah, it is. It’s this week already. Today is setting the tone on a Monday for what’s to come this week and remainder of the year. So you’re right about that. So Zester, we’re going to have you hang out for about 10 minutes while I talk to your, your dad here and get the hardware side of things as we’re calling it addressed.

So hang tight, we’ll come back to you in short order. So Mark, if you would, I have some slides as usual I’m going to show but I was, I was typically do start with you. You’re always as free not to worry about dates and rates here. We don’t got to worry about that. We just want to give people a pathway with some clarity as to where you see things in your purview. So walk us through in the briefest points about where you see Iraq at present day one making huge progress. I mean we’re watching the political tit for tat back and forth.

Sudani really surprised over the weekend. He’s like he was given receipts of all the detractors out there trying to sow dissent as to where they’re at financially not where some of the accounts come from. And going over a lot of the fundamentals talking about the progress they’ve made and where they’re headed Soleil on the same front. So I found that very interesting. Probably some of the biggest things for me though is like Jim rickards really popping off over the weekend even going hey look 10 grand gold is right around the corner. We are about to make that massive change.

So I’ve been really diving into like fundamentals and charts and watching silver and gold and and them trying to attempt to keep it down. And guys when we talk about currencies currency is a leverage play on the silver and gold. The silver and gold is still fundamentally the assets that back those currencies is the pure play. Currencies to me are like a leverage way of doing it. You can certainly take advantage of probably make better spreads. This is not financial advice guys feel free to go and find you a licensed person. Just take this with a education thought, think about it.

But I’ve really been enjoying watching that. I get a lot of bond contacts with great hopes for the coming week. So if somebody gets to go to the bank it doesn’t mean that much. So we need to focus on those changing fundamentals. Watching the cracks in the bond market in Japan, watching the real estate market coming unglued in China, watching China dropping almost $3 trillion in U S based assets between government businesses, bonds, treasuries. It’s the controlled demolition as well. Underway bricks announcement this past week. I believe it was 40% backed by gold, 60% backed by basket of currencies, the currencies of the brick countries.

And we’re talking about a real asset backed. They’re going to call it the unit. I mean it’s nice of them to use english like that but the unit and then we look at tether suddenly buying more gold than almost any central bank in the world. But they’re already 100 asset back theoretically with our fiat back currency. To me it is just screaming changes and that’s where it gets fun. Yeah, you like that little quote thing and, and that’s where it gets really fun. And then, then you step in with the clarity act and everything that’s going on.

Call it the software that will drive this hardware. And that’s why I think zester is going to be a lot of fun today to find out what’s going on on that front because they, they built the System right in front of us. Now they’re showing us the assets. They’ve been showing us how they’re going to do the tech on the back. We’ve seen, you know, there’s just huge changes coming from xrp, RI Ripple labs. I just. For me, it’s just getting excited because all the fundamentals we’ve been talking about for years are just coalescing right around us.

It’s exciting. Don’t know the timing, but it’s exciting. Yeah, no, I agree, it’s. It’s God’s timing, but it’s. It’s definitely queuing up the crescendo points and the symphony of things. It’s. They’ve seemingly been quiet, but we’re sort of watching Vietnam. You have anything on them? What’s going on there now? We’re watching a massive move of business out of China going to Vietnam so that they can take advantage of the more preferred nation in trading and the tariffs with the changes in Trump. So, yeah, I’m watching that one. China’s got to make a move. They’ve been flying over Taiwan.

So who wins? Do the ancient families win or does the CCP win? As I’m watching what’s going on in China, I’m still very much believe it’s all God’s timing. Everything’s going to be fantastic. But either way, we’re about to see a change in the monetary system. Be prepared. Agreed. You know, I think the, the ancient families, the, The Republic side is definitely going to win because that’s what’s happening over here, as you know, stateside with Victory Day, July 4, for President Trump to announce, I believe, the restoration of the Republic. But of course, well, before that, a lot of things have to take place.

I would just. I just looked down and I saw this. If it’s okay with you, I’d love. You can edit it out if you don’t like it, but I was going to just do a shameless plug for Noble. Go. They just sent, you know, I assume they sent you one, too. Little holiday coin for the folks. Yeah, they’re just. Colin’s great over here. Yeah. Yep. Well, I mean, it’s what you said in the beginning of the conversation. You know that. And we’ve talked about this before, just to, you know, recap it. You know, the metals are the underlayment for everything.

The bonds, the currencies, cryptos, it all like, like, you know, Zester said in our first podcast a while ago, it’s an exciting time because you not only have metals as Your traditional wealth protection defense. But like he said, you have it now on offense being pegged on the blockchain to gold and silver and other things, platinum, titanium and copper and the like, where it’s actually now a wealth generator on offense. So it’s really from a metals perspective as, you know, investors for the retail whatever side couldn’t be a better time in terms of winning on both sides of the equation.

And cryptos play a nice and important integral role in that. So let me just want to show you a couple things, Mark, and we’ll just. I’m no particular order. I’m just going to bounce some things off of you. Zester’s take on some of the beating. I mean, because it’s, it’s been interesting to watch as investors are looking value. What’s been going on in the crypto world, Maybe some explanation as to why we’ve seen some of those interesting value just I don’t know what you want to call movement, sir. You want to chime in real quick, Zester, on that? I, I would say on that front, we’ve seen some of the weirdest movement of money that, that you could ever see in human history.

Ultimately we have got, it’s, it’s almost illogical what it appears that the banks and the government are doing, if you look at it from the wrong perspective. But I think at this point in time you can see in terms of the fear inside of the stock, the crypto markets, essentially all the markets, the generalized fear that exists there. And then you compare it to all the economic data we’re getting. Ultimately, I think that we are, I, I think that we’re having such a hard time because this is something new and there’s nothing to compare it to.

And that’s what economists hate. I hate it too. I’m very, very big on history. I like to compare anything I say to a historical explanation of, well, look, it happened before. I hate when, when something doesn’t fit that way because history, many folks say it rhymes. I genuinely believe it repeats. And so in that way it’s very difficult. But we’re at such a point in time where the move with this economic system is so large there is no precedent, there’s no way to compare it to anything we have ever done as human civilization. There’s no. When we look at that explosion, just like he’s saying, we look at that explosion.

We watched, we, we watched Denmark’s economy. They dominate the entire world. We watch it implode, their fiat implode. We watched England do It, of course, before that, we watched Rome do it. The, the, we watched, of course, the collapse of Russia. We watched collapse in Germany. So we’ve seen these huge events where entire countries racked up too much debt to be sustainable to be payable or whatever. But we’ve never seen every major country around the world do it at the same time. So you’re right, we have nothing to compare this to. Japan’s going bankrupt, China’s going bankrupt, Europe’s going bankrupt, US is going bankrupt.

We’re not even getting all the Central American, South American, African countries, Eurasian countries. I mean, you have the whole world pretty much hitting the skitters financially where it’s just untenable debt, the debt cycle, all at the same time. Yeah, it’s, it’s almost comparable to the black. All of them out. The only precedent to it would be the degree of economic destruction that occurred worldwide, at least in terms of what the world was considered to be at that point in time. This would be the old World. But in terms of that, the only thing you can point to that affected all of our written history, and this is written history.

There’s a lot of history that’s not included inside of that, unfortunately. But including our written history, most of that occurs from Europe, Asia, Northern Africa and the Middle East. A lot of it from the Middle East. And in terms of that, the only precedent to today would be the Black Plague. And I don’t mean that in terms of it actually being a pandemic. I mean that being the only equivalent of anything that has occurred in terms of human history that has affected everybody from Noble to surf to anyone in between in the same form or fashion.

That’s what makes it so. To me, it makes it so exciting because we have so much opportunity. But the way I just said it, it probably sounds fairly non optimistic. I don’t mean it that way. No, absolutely. But you’re absolutely right, Zester. I mean this is, this is. I’m going to go even, I don’t say a step further, but compliment what you just both said about this is a greater wealth transfer than we even saw in the time of Joseph. Right in the biblical 100 and yeah, absolutely, Zester. It’s the plague in the sense of the epic proportions of outreach, the systemic outreach globally.

It hit, like you said, from the wealthiest to the most impoverished, everyone’s effectuated. But now this is going to be, as you said, an opportunity. Key buzzword for the. It’s Proverbs 13:22, the wealth of the wicked finally being laid up for the righteous and it’s been long overdue. So gentlemen, just hang tight. I want to show you a couple things. We’ll, we’ll breeze through this real quick and then, and I’ll, I’ll get your reaction and we’ll go to you Zester on what you want to share crypto wise. Okay so big thing gentlemen happening, you know, in a couple days.

Wednesday, the Fed rate cut. We, the CNBC is saying that they expect, of course they’ve already priced it in. We know that, you know that Mark Z very well being around this game a while, 25 basis points, you know, percent came out and said they’re going to see, you know, 3%, you know, growth this year. We know that that’s a bit of a spin to try to, you know, bring encouragement for the holiday spending extensively. But what we see here on our side is this achieves two things. It’s going to blow up the remainder of the quote unquote Fed balloon and it’s going to have a important impact Zester on the crypto markets because we expect a little bit of a run between December and January and then again March onward next year where it’ll get even bigger once the proverbial bubble pops.

So Mark, we’re going to go here. I’m not going to play this because it’s, it’s in Arabic and most people don’t speak Arabic. Obviously I don’t and Sunday. But basically we thought it was significant over the weekend, Hassan Sajwani talking about Christmas trees and Christmas being celebrated in Dubai. Now our understanding is since 2019 they started celebrating it. But the fact that they’re putting a spotlight on it now seems to be paramount in importance. This is up your street, Zester. I’ll have you talk about this when we go to you in a moment. Implementation of the Skoda system, rising the exchange rate, Iraqi markets right now they’re floating it up about 6% against the dollar.

So right now it doesn’t sound very sexy but it’s going to incrementally move quicker and quicker and quicker as the spotlight, you know, gets crescendoed on the dinar to come back internationally. The Jeep Saying Trump said 20 trillion be flowing in the US by 2025. Middle of November, government buildings close on 20 December. It has to happen before the 20th to give people a chance to exchange for the government to handle the 20 trillion when it flows. Don’t put a lot on the dates, but I think it’s interesting and I will show you in a Minute why I say that going here real quick on big bang significance of you mentioned this Mark.

The unit ironic is that it dethrones the dollar overnight but it signals no longer willing to accept a single monetary center. The Fed reserve note gold basket of currencies less than financial tool of political decoration. The emerging world is building systems in the west cannot shut down, sanction or weaponize. To your point trying to tamp down precious metals dollar won’t disappear tomorrow but every alternative infrastructure erodes the privilege that once seemed permanent. When trade flows start routing around the US the reserve status doesn’t collapse. It evaporates quietly, steadily and beyond DC’s control. Yippee. So then we go to Let me stop this here.

Let me stop to share. Okay And I want to show you guys a couple of other quick little ditties here. This is significant Mark. Iraq on the brink of economic collapse. You were talking about China and South Africa and Central America. So this plays perfectly into that due to reliance on oil sales meaning they’re going to have to make a move here sooner than later because otherwise we know what happens there. Going to the next one here, this one seemed pretty significant. Swisher 1776 saying over the weekend IQ DRV significant return on investment citing a source from the Trump administration.

In light of what we have invested in Iraq in terms of national wealth in the American lives, we have lost banker wars. We expect there to be a significant return on the investment. So what I’ve always said to my audience guys is don’t worry about dates and rates or how much it’s going to be because if God can trust your heart and be postured right, that will come. But the very fact that this is coming out, that they are have full expectations we know to be whatever that means, a significant return, I was never concerned about it.

It’s just nice to see that they’re finally, you know, putting a proverbial spotlight on that that point. And then the last thing to share with you guys, Linda Avenzado talking last week about digital dinar under implementation. So we see all the players here gather at the table, the usual suspects doing their thing. So that is a nice coming upcoming segue for you. Zester. In a moment, Mark, I’m going to ask you on all of this two things. What was your takeaway from this information and is it just, is it just fake news about Maliki trying to wiggle his way back in or has he already been kind of dealt with? And for me, I mean he’s always going to try to weasel him.

He’s going to try to weasel. He’s cut the head off the chicken still running around the yard. He, he, he’s not going down without just every time no matter how irrelevant it becomes, he’s going to keep trying. Do I think he can really affect things at this point? No. But do I expect him to to keep trying anything and everything he can? Yeah, absolutely. It’s, it’s him Just like some of the rats we have on our own. I don’t think they’ve magically removed them or anything yet. I mean kind of neat not to have to worry about that headache but, but when you were talking about the digital one we go back to you know years ago and I’ve talked about it on here before the I dinar they told us years ago they were going back to and they were going to go to an asset backed digital currency they were going to implement and then they would still have cash in the streets because they understand there’s still not great 24 hour electricity and communication all over the country.

But I mean they told us here and we’re watching it happen right in front of our eyes was watching that and I did think that was interesting that I believe it was the 20T that they said was going to be flowing in. Why I find that interesting is I was told years ago that the Chinese were going to put up 20t worth of gold for the dollar reset and you just said 20t when I saw that one my, my brain just went boom. So as you were going through those articles the, the, the the digital already under implementation I rolled back to that one.

Then you said that 20t number and that’s the exact number I was told guys I mean we’re talking going on 2021 years ago that was going to come to the table in gold. Then I Rickard’s reporting the imminent change of gold to 10k or more. I’m just as I read those Iraq already at 20 some percent at the current price backing of their currency and the rest in I mean they 100% pay for their currency out of pocket but you do that with gold they suddenly have now passed the 40% that bricks is going to back their unit with so basket of currencies 40% in gold.

I’m just like wow like all these pieces coming together at the same time. Absolutely. And I also expect fully I agree with you the that the rate of gold as Trump revalues the gold next year early on I believe that’s going to with respect to Brics it’s, it’s going to incrementally grow as well. It’s going to find its way into, you know, the cryptos and everything, you know, that we’re wholly dealing with. But, yeah, no, I think you’re right. And then you also have to look at the rate of inflation, you know, as, as the Trump administration expects a high roi, whatever that looks like.

You have to account for the rate of inflation back on, you know, Bush Jr. With the executive order back in 2003, you’re not going to bring it back at that rate 22, 23 years almost. Now it has to, you know, be brought up to current standards. So that bodes well for us as investors as well. So now you make some really good points. So I turn it to you, Zester, on two key questions for you to expound on. Take what we talked about and then put your, your thinking cap on about as you do what your takeaway was with the digital dinar.

And also when we last talked, you are optimistic, or you were optimistic about the Clarity act and, you know, legislation happening now that ISO is past the November 22nd date. We’re what, three weeks removed from that, roughly. What do you see for the audience down the pike in terms of that implementation for the rest of this year into next year? And, and well, on that one, I would say I do believe from everything that I’ve seen and from my understanding, which I absolutely have respect for everyone that has a differing opinion, I believe that digital currency, and maybe we should start using that term instead of cryptocurrency, maybe we should, we need to figure that term out.

But whatever we choose to call it, I believe that the revaluation of gold and the implementation of a true blockchain system are not just tied together, they are parallel. They cannot occur without the other. And in my opinion, yes, we have seen gold rise, and I strongly believe we have seen gold rise because many people who have far more money than I will ever have in my life believe that we are nearing that point. And I believe that the precious metals market is, yes, an indication of overall market fears, which are very real right now. And if you have money in any market and you aren’t scared, you probably should be.

And that’s just the nature of right now. And I think that when you take that into context and you take all the things that we currently know that are going on, it’s so obvious that it’s happening. It’s beyond apparent that the US Government is forcing, forcing everyone to absorb their debt through Digital currencies. It’s happening right now. It’s been happening for a while. I think people are still going to refute it essentially until they’ll probably refute it. Even when it’s a history lesson, there will still be people who will say that it was a misinterpretation of the modern moment.

But it’s what’s happening and we can continually see that occur every single day. And so for me, that’s really the biggest miss that everyone has is that we’ve already been there, we’re already going on it, and we are accelerating at a fairly ridiculous pace. If you really look around at what’s going on in terms of gold being tokenized, in terms of real estate being tokenized, we are getting so close on that side for where the crypto technology is going to meet with the modern economy. And I guess that should be something I should specify. We, we need them to meet essentially once the technology has reached the point that we can enact the new financial system.

Gold and silver will revalue when it does, because that’s the moment to do it. Look at the Bitcoin act of what was originally 2024, it’s now 2025 and it’s already been reissued for 2026 when the clarity act passes. It’s a stepping stone. When the Bitcoin act passes, congratulations, Gold has been revalued, but in my opinion, that is the date and it will be entirely reliant upon it or another bill being proposed. Because the Bitcoin act calls for the full revaluation of all US Federal Reserve gold. It is in the bill. Go to Congress website. You can literally look it up and see it.

You can read it. I guarantee it is there. And it states that when the United States moves over to the digital currency system, essentially moving over to having a strategic reserve of digital currencies and revalues the gold at the same time, it will remove all the power from the Federal Reserve banks. And in that moment, I believe that we will truly be there. But I am only zester and, and it’s only my opinion. I think that’s the final nail and I think that’s the final clarion call you guys take away from Trump saying, hey, yeah, we’re about to not have an irs, no, no income tax.

We don’t need it. Not only that, Mark, I’m glad you brought that up. I didn’t have a chance to show this article in time. My apologies. But it’s on our telegram gentleman caught this over the weekend to your point, and said that you’re talking about the 20 trillion mark. Here’s another 20. January 20th is when apparently it’s slated to remove the IRS and go to the ERS. What is January 20th? Typically that’s an inauguration date. That’s kind of interesting. So, yes to your question. So, so thank you, Mark, for that. So, Zester, let’s, let’s continue on this talk track because I think there’s a couple of subfolder points to, to dissect out of what you shared, the first of which being let’s talk about bitcoin.

There’s a lot of talk within the community and I can already see in the comments and stuff, I get it. So let’s address the elephant in the room. There are some that, you know, think bitcoin’s the devil and it’s being used for trafficking and all that kind of stuff. But then there are some who think it’s going to be defrocked and re upped in gold and controlled. Where do you see things in that equation? And, and why is, is President Trump so big on bitcoin, in your opinion? I, I see bitcoin is kind of first into the breach ultimately, bitcoin being number one.

It creates this idea that it’s the ultimate, it’s the ultimate name. Everyone references bitcoin, but it was the first, it was the first to storm the walls. It was the first and however, you know, there’s a million different metaphors. The first through the gate, first to storm the walls, the first one to throw everything on the line essentially on this idea of this technology. I don’t necessarily believe that bitcoin is needed. I believe that if there were not a bitcoin, we desperately need a replacement of it. Because I do strongly believe that a decentralized network is superior to any corporate blockchain.

And when I say that, I mean that I believe bitcoin is superior to xrp and I believe that strongly it is decentralized, truly decentralized, that is more valuable than any corporation can ever make because humanity, while we are born with Zen, we do trend towards good if we are given the opportunity. And a decentralized blockchain is superior to any centralized, corporate controlled blockchain in my mind. And so it creates a very difficult situation for me. John, I love xrp. I believe that XRP is going to be more valuable than it is today. But I do not believe that XRP is built the right way.

It is centralized and it will always be centralized. And I don’t like that. I believe in the educated controlling the economic system. And that’s how Bitcoin works. People that are educated on how Bitcoin works and how it functions, they run the system. I don’t as Bitcoin, I mean that as that type of economic system is superior in my opinion. I would rather have a truly decentralized network. And that’s where I think we’re about to see this massive smash occur in the near future where we’re going to see that decentralization be provided and we’re truly going to see something like Bitcoin be valued properly and something that is centralized also be valued properly.

Because ultimately Bitcoin will not be the means of corporate transaction. It will not be the means that countries transact. But I do believe it’s a very, very important strategic reserve in its form or another formed by Pax Gold. I’m sorry, go ahead. I’m sorry. Sorry John. It can be owned by Pax Gold. It could be filled by digital currencies backed by precious resources. Absolutely. It could be. Yep. What do you take of tether suddenly buying gold to back their currency? Because weren’t they supposed to be back, you know, one to one US dollar, one tether, now suddenly they’re buying other assets to back themselves.

I find that one curious. No tether is just expanding the ways that it makes money. The that’s one of the big things that folks don’t realize is how stable coins make money. Stable coins make money because they buy U.S. treasury bonds. That’s they’re not putting dollars in a bank account. There is no dollar for your tether. You have a tether and that tether is pegged to the US Dollar. It’s worth one dollar. And yes they do have a dollar representative value in the backstage in order to pay you out if anything were to occur, you can get that dollar back.

But the big sneaky sneaky sneaky that the stable coins have been doing is what they’re backing your money with. They’re not backing it with dollars in a bank account. They’re backing it with U.S. treasury bonds. And that’s where they make money. They don’t make money because you trade tether or you trade rlusd or you trade usdc. That’s not how they make money. They don’t care what you do with it. Have fun. What they care about is the fact that they have locked up your capital into bank accounts that are currently holding a hundred plus billion dollars of US treasury bonds which doesn’t seem Like a lot when you look at the interest rates that U.S.

treasury bonds provide. But when it’s $100 billion, it becomes a lot. And what they’re doing outside of that is now they’re taking that capital, those funds that they’re earning, and they’re buying more things with it because they have the most liquid leverage on the planet. If they want to buy $100 billion business, a bank will insure it, no questions asked. Because if you have $100 billion of US debt on your asset sheet, they have no problem giving you $100 billion of a loan. And so the stablecoin market is terrifying. But there’s a reason that it is so popular.

There’s a reason it makes so much money and a reason that we get so easy access and we get such amazing interest for holding dollars in stable coins for the moment. But as we go back to a gold standard, that just nullifies that whole thing. But you’re right in principle of the architecture, 100% right. So what I took away, what you were sharing Esther earlier, going back to Bitcoin, to put a bow on that, if I can. If we can, is Bitcoin’s importance is it’s a means to an end because it’s the gateway to opening up other decentralized currencies.

And I’m looking at things not just like xrp, but also stellar lumens. Many believe that’s the ultimate blockchain artery unclogger, decentralizer, if you will, successor to Bitcoin, that really is going to help the real time payment system in real assets. What are your thoughts? I think so. Bitcoin was, I mean, by being the first in terms of it, it really did create the overall standard. And I do believe that without Bitcoin we would not have had, there would be no xrp. There would not be these other cryptocurrencies. Their technology is built off of the bitcoin technology.

XRP and every other blockchain on the planet is built off the technology provided by Bitcoin. And so it will be always and forever in future history considered the creator of the new financial system. It will be Bitcoin, and rightfully so in that regard. It created the technology, or, well, that may be a little bit of a mistranslation. It didn’t create the technology. It popularized the technology. It made it available for the average person to start interacting with it. Ripple Labs, the company started back in the early 2000s. They were a PayPal competitor. That company did not decide to move over to blockchain.

Until Satoshi Nakamoto released his white paper, Ripple would not exist without bitcoin. He literally never had the idea. None of them did. It is built off the technology of bitcoin. And so we always have to keep that in mind. Bitcoin is the creation of the new financial system. Is it the new unit, the new currency of that future financial system? That is a more important question in my mind than, than where did this. It all came from bitcoin. It is bitcoin. Anyone that says that it’s not. The only thing I can argue is that cryptography was literally discovered in the way, way in the past.

You can go all the way back to ancient, ancient sources, but you could also just go directly to World War II and look at the Enigma machine. That was a cryptography. And the early, early thinkers on the idea of a financial system or an idea of ownership with the idea of cryptology are the early 1900s. This is a fairly new idea even from a theoretical sense. And so in that way, I believe that bitcoin is beyond important and it should not be disregarded in that fashion. But I don’t think that bitcoin is necessarily the future currency.

Sorry for the. Sorry for the very, very long one. On that one. I do. You’re passionate. No, you’re passionate. And that’s fine. That’s. It’s authentic. So here’s a question for both of you. Again, I preface by saying we don’t do dates and rates, so I’m not worried about that. But I just want your educated hypothesis, both of you, either one who wants to chime in first, that’s fine. Given what we just discussed, both Mark on the hardware side and Zach Zester on the software side, if you like, just to, you know, keep the pile separate. Taking all this information, what do you both see as your opinion of the first quarter for next year in terms of landing delivery terra firma, for what we’re waiting on? Hey, for me, we’ve got so many things coming together at the end of this year going into next.

So many things finalizing. We got India changing, well, part kind of hybrid system where they’re going to be giving silver a 10 to 1 on gold, which would be a massive increase in the value of silver for backing as an asset. You got so many things coming together in the first quarter. You got Trump and Judy Shelton saying we’re going to have gold backed treasuries by July 4th of 2026. I mean, the beginning days of 2026 should be just wild to follow and watch because of the, all the things coming together at one time. It’s, you know, the movie the Perfect Storm.

This one is just the perfect economic worldwide storm. It’s, it’s, I don’t know. All I can say is buckle up, get your popcorn, protect yourself and watch. Esther, what do you say? I, I for the first quarter of 2026, at this point in time, I would have to be, I, I really would not say that I have a concrete, besides the fact that I know that it will be extreme uncertainty, I think that right now we are in the death throes and I don’t know how long they’re going to occur. And so I think it’s very hard to say in that short of a timeline.

You give me five years, I feel very confident with saying where we’re at. But when you give me that kind of timeline, I’m really thinking that we are still, I think we’re going to be suffering a very, very, very, very unique market where we’re going to have Main street continuing to suffer and Wall street continuing to prosper. And so I think we’re going to see a lot of the cryptos in the stock market rebound along the beginning of the year while we continue to see Fed action that is essentially going to continue to place the burden upon anyone who files a W4.

And I strongly believe that will be the continuation going into the next year. I don’t think that it’s not sustainable, but it’s what I believe they’re going to try to do. Optimistically, they will fail, but that is what they’re going to try to do. And I always choose to look at it from that side. I plan for the worst and I hope for the best. And so I’m going to operate from the assumption of what they’re going to attempt to accomplish and then see whether they succeed or not. Which when you look at the current markets and the current debt evaluation, I mean, it’s, they should not succeed.

They should not succeed in any form or fashion. They should bring this thing tumbling down. But I wouldn’t put it past them to try and find a way. Well, I think you said it. The best zester, thank you for that. Is they’re going to try. But God and President Trump have counter plans, moves and counter moves to counteract that. If you both, I don’t know if you had the chance to watch. We have a really great team member, Mr. B. Who’s with Schwab for the better part of 28 years and he studies the analytics on this stuff like you disaster on the cryptos.

He’s got the, you know, markets and the Treasury 10 and 30 year yields to your point earlier on that where they’ve been had a nice safe haven that’s coming to an end because it’s almost like cornering the bully up against the wall and there’s. He’s painting himself in the proverbial corners. Nowhere left for them to go to your point. And it all signals pretty clearly a late first quarter crash which would you know, to the late Kim. Late great Kim. And I’m not saying we’re waiting until March for a reason, I’m just saying that’s the crash point is Kim Clement would say when things seem at their worst and I think it’ll be a suddenly, you know, it’ll be a surprise to us all why, why now moment.

I think it’ll even surprise the bad guys that they didn’t get away with what they wanted. And, and we’re going to see finally good triumph in, in the most non hokey, genuine sense, good triumph over, over evil and all this. So it’ll be interesting to maybe. No, interesting is not the right way. It’ll be fascinating. Huh? It can be interesting. It can still be interesting. Even the whole world’s falling apart. You can try to back up and look at it without as much emotion. It’ll be tough, but it’s going to be interesting. It’s gonna be historic.

Yeah. I mean, I’m just thankful that, that there are people like you guys and our team that are, once we’re putting, once we’re put into a position to be blessed, that we can bless others, that we can move those people who, you know, cannot or, or did not or whatever the situation may be for individual person or have the ability to prepare or store up that they’re gonna, they’re gonna be, you know, safeguarded and that people. It’s going to be the greatest opportunity, I think for the communities to come together. People are going to have to start finally working together, talking to each other, putting pride and ego aside, because that stuff’s going to go and that’s a good thing, fall by the wayside and start, you know, communicating and, and helping your neighbors, helping your communities, helping your, your families.

All that stuff, it’s all going to amalgamate in one place and all that, that facade stuff’s going to go away. And it’s honestly in that respect, I think the best thing that could happen in terms of galvanizing and Synergizing the people together. And it’s one of the things I’m encouraged by. So with that, I will ask you gentlemen, as I always do, I do have one last thing. John, go for it. I would love to throw on. I probably, for a lot of folks out there, probably should have included this one a lot earlier on. But, John, we had talked about this one earlier today.

A sudden, very massive change occurred in the search engine literally this morning. Possibly I have looked up and you can go out and do this search yourself. I just did it myself. When the video comes out, maybe things have changed. But if you use Brave browser or even other browsers, Brave browser in particular, and you type in the phrase XRP space news, I have searched this term essentially every day for the past. I don’t know, it’s got to be nine years or so now at this point, just seeing what was going on, even if I didn’t hold it, I was just learning about the crypto markets.

And so today something changed. I have looked this up every morning for many, many years. Today something changed. If you look up XRP News in a search engine, you’re going to be directed to the sec.gov and that occurred this morning. And I think that is probably the biggest XRP news of a very, very, very, very, very long time. And unfortunately, I waited to the very end. John, sorry, no on that one, but it’s a great reason for folks to watch along. But it is the biggest news. And so I. I don’t know if you want to share screen or you can look it up.

John, if you have Brave browser on your computer, you can very easily do this search. Anybody who even has. You have Mozilla, Chrome, it pops up in a different order. I shared the screen zester. If you want to share it. I. If you want to share with us. I shared this. You can share this screen. So, yeah, feel free. All right, I’m trying to find that one real quick. Share screen one. Okay, here we go. I. Yeah, yeah, yeah. I’m assuming y’ all are now seeing my screen over here. Yes, sir. And so XRP News, you can type this one in, hit enter a million times, and guess what just keeps popping up.

This is never, ever happened. Typically you would see X.com would be number one, Reddit would typically be number two. And then you would see the different news channels, you know, Coindesk, Nasdaq, Google Finance, etc. What suddenly changed today is that sec.gov is the number one site that pops up on the vast majority of search Engines, at least as of right now, all today. I even had all the moderators and my entire community test this on an earlier stream. That is the website that pops up. And this is XRP as a strategic financial asset for the United States.

And what makes this even more interesting is this is old. This was actually presented back in the very beginning of the year. And so for some reason this thing is just destroying the search engine algorithm because it’s bypassing sponsored advertising. And what that tends to indicate is that there’s a massive amount of traffic that’s occurring to this website that is not using a search engine. That means they’re going through a direct link now to, to give you, I guess, a somewhat morbid idea of essentially what I mean here. The names of some of the National Guard members who tragically were shot in Washington D.C.

just a few weeks ago started popping up in Google search engines a few days before anything happened. That. That’s weird. Extremely weird. And it seems as if this is another situation that not the same in any form or fashion, but it’s the same kind of idea. This is suddenly popping to the top of every search engine search why? There is no reason for this to be at the top of your search engine. There’s no logical reason that you would suddenly be going through and learning about how unlocking trillions through XRP would allow for the creation of, as you continue to scroll on down, the Bitcoin reserve capital for Bitcoin reserve 1.5 trillion direct reinvested into Bitcoin through the implementation of XRP for the IRS and Social Security payments.

This just suddenly went viral, or not even viral because no one knows about it besides people who search XRP news every morning. And this has suddenly gone nuts. And so I would highly, highly, highly recommend that everyone read this document because I would almost bet money if I were a gambling man. You’re about to hear about this document in the next coming days because it’s at the top of the search engine because a lot of people who know far more than I do are looking it up. Good point. Yeah. And you did bring that to my attention this morning.

So thank you Jester for that and thank you for saving the best for last so we could share with everybody. John, I tried to forget it until the day. No, I think it worked out well actually because it’s a high note to leave on this should encourage a lot of people about the amount of liquidity that’s flooding in and how it effectuates everything else. So actually actually worked out quite well, so as we leave on that note for today, we’ll leave the links in description, both of you. But where can, where can folks find your work and last thought you have for the audience? Well, they catch me about once a month on the John Dowling show or the original martinzi.com or just the original Martin Z.

Put it all together on YouTube just at original Mark Z for Twitter X. Have you gotten used to calling it X instead of Twitter? Yeah, I mean, more or less at this point, you know, either or I’m older. Yeah, I know I’m used to it now, but that’s cool. I still mess it up. I still mess it up. Pops. To me it’s still Twitter. Like, it’s, it’s Twitter. I never had a Twitter account, but I have an X account and. But it’s still Twitter. But folks can find me over on the crazy Kryptonaut on YouTube Going through cryptocurrencies, anything of that nature.

We talk about essentially everything from crypto to finances to artificial intelligence. We dig into regularly, anything in the tech field. And then occasionally I get pissed off by an article I read in the morning and I have to tell everybody about it. Thank you. Thank you, Zester, for that. We’ll leave both of your respective links in the description and the video below so people can check it out. Mark will enjoy this participatory, participatory moment with me. This is one of our key sponsors of the channel and we’re very honored to have them. Noble Gold. As you see, Colin Plume, the CEO, is on with us twice a month to give us a lot of answers to questions.

This is a very important month, folks, is not just the holidays, but this is one of the largest months of delivery the entire year for silver. And this is one of the Seasons Greetings 2025 rare commemorative coins that they are minted. They have minted and are available for qualified accounts. Whether that’s retail or you’re doing an IRA for 1K conversion. They’re giving you roughly what equates to about $750 in silver, which is no small feat these days because it’s getting harder and harder to get as silver’s going up and it’s in manufacturing and all that good stuff.

So if you’re interested in learning more about that, we will leave that link below in the description for you to check out as well. Mark Z, the original Mark Z. And Zester, we appreciate you both. Thanks for being here and sharing all your advice and expertise. We appreciate your time. Merry Christmas Happy Hanukkah and Happy New Year 2026. The Golden Age to all of you, both of you. And we’ll look forward to talking with you in the not too distant future. Thank you, John. Thanks, guys. Thank you, John. Appreciate it.
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