I believe we’re living through a major monetary transition—one where traditional fiat systems look increasingly unstable and where digital assets are becoming far more than speculative. To me, crypto isn’t just “internet money.” It’s the early architecture of a new financial system built around tokenization, faster settlement, and the gradual erosion of trust in centrally-managed fiat currencies. Tokenization of everything is inevitable — and is already happening.

Within that landscape, here’s how I personally view the three assets that matter most right now: Bitcoin, Ethereum, and XRP.

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Bitcoin (BTC): Price as of this publication = $85,090.69

Bitcoin still serves as the gateway into this entire ecosystem. I see it as digital gold—an asset designed to protect value as confidence in the dollar and other fiat systems declines. It’s the most recognized name in the space, and that alone gives it staying power.

But I don’t see Bitcoin as guaranteed to dominate forever. If global settlement becomes increasingly tokenized and integrated into institutional rails, Bitcoin’s role could become more symbolic than foundational. It’s important, but maybe not the final end-state in a world shifting toward real-time, integrated, programmable value transfer.

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Ethereum (ETH): The Tokenization Engine: Price as of this publication = $2,765.29

Ethereum is where I see the bulk of actual infrastructure innovation happening today. From smart contracts to decentralized finance to tokenized assets, ETH underpins a massive amount of digital economic activity.

My view is that Ethereum represents exposure to the “building blocks” of the next financial system. But I also think its dominance isn’t guaranteed. Newer, more efficient rails could challenge it, depending on how institutions and regulators shape the tokenized future. Ethereum is essential today—whether it’s essential tomorrow will depend on how the ecosystem evolves.

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XRP: The Settlement Rail With the Most Asymmetric Potential: Price as of this publication = $1.95

Of all major cryptos, XRP is the one I see as the most strategically positioned for a future dominated by tokenized money and cross-border settlement.

Its design—fast, scalable, built for real-time value transfer—fits perfectly into a world where assets move across borders at the speed of the internet. If global institutions continue shifting toward tokenization and frictionless settlement, I think XRP could become one of the key assets at the center of that system.

For me, XRP isn’t just another coin—it’s aligned with where the financial system could realistically go: traceable, integrated, tokenized, and instant.

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Final Thoughts

To me, crypto isn’t about chasing hype—it’s about understanding the direction of the global monetary system. Bitcoin is the hedge, Ethereum is the infrastructure, and XRP is the settlement rail. Together, they paint a picture of a future where money is faster, more programmable, and far less dependent on the old banking architecture.

I still think Gold and Silver are better investments at this time.

Nothing in this post should be considered financial, investment, or trading advice. Always do your own research before making financial decisions.