In this episode of Dad Ledger Podcast (Episode 11: Trent and Timo), join hosts Ryan Fields-Spack, Trent Cleveland, and Timo as they dive deep into the latest crypto news and trends. From XRP surpassing BlackRock's market cap to the potential BlackRock XRP ETF, the new Gemini Credit Card offering crypto rewards, and Trump Media's massive $6.4 billion crypto push, we break it all down. Plus, discussions on utility coins, crypto layers (Layer 0, 1, 2), ISO 20022 deadlines, geopolitical impacts on DeFi vs. CBDCs, and real-world asset tokenization. As dads navigating faith, family, and finance, we share wins from the week and end with the Prayer of Jabez. Whether you're into Bitcoin, Ethereum, XRP, or emerging tech like Flare and HBAR, this episode is packed with insights for crypto enthusiasts and investors.Timestamps/Chapters:00:00 - Intro & Channel Monetization Celebration01:13 - Super Chats for Charity: Supporting Timberkids at Timberline Church02:45 - Personal Updates: Family Life as Dads03:17 - XRP Surpasses BlackRock Market Cap – Implications for Crypto Adoption05:51 - BlackRock's Potential XRP ETF: Stability, Pricing, and Institutional Moves07:45 - Utility Coins on the Rise: XRP, DeFi vs. CBDCs in EU & US11:45 - Stellar (XLM) & Ukraine's Digital Currency Projects12:56 - Geopolitics: Russia-Ukraine, Five Eyes Intel, and Trade Impacts15:33 - Tokenizing Commodities & EU's Economic Strategies18:26 - Trump's Comments on Ukraine & ETF Approvals Timeline20:12 - ISO 20022 Deadline: Banks Adopting New Standards (Nov 22, 2025)21:21 - ETFs vs. Holding Native Tokens: Pros, Cons, and Strategies23:13 - Swift Deadlines & Global Forex Shifts25:43 - Rebuilding Trust in US Markets via DeFi & XRP26:43 - China's Influence, Middle East Blockchain Hubs, and US Bitcoin Mining Dominance28:23 - Stablecoins, Treasuries, and XRP as Liquidity Bridge29:10 - Rate Cuts, Recession Signals, and Market Highs31:29 - Investing Mindset: Buy the Dip in Turmoil33:37 - Network Integrations: XRP, Flare, Bitcoin Media Platforms35:31 - Crypto Layers Explained: Layer 0 Protocols, Layer 1 Coins, Utility Tokens39:26 - Nostro/Vostro Elimination & Stablecoin/RWA Tokenization42:32 - Real-World Use Cases: Faster Settlements in Oil, Shipping, & Finance44:34 - Carbon Neutral Networks: Reducing Gas Fees & Footprints46:52 - Interoperability & Stacking Cryptos for Efficiency47:39 - Forex Modernization: SBI Investments & London's Role49:00 - Best Wallets & DEX Safety: D'CENT, Bifrost, Stargazer, Uphold/Coinbase Vaults51:21 - Bitcoin Mining Impacts: Granbury, TX Case Study52:57 - Trump Media's $6.4B Crypto Deal with Crypto.com & TruthFI Platform55:51 - Genius Act & Media Decentralization Trends56:30 - Top Follows: Blockchain Backer, Mickey B Fresh, Raoul Pal, David Schwartz, Mikkel57:43 - Dad Wins: Family Milestones & School Starts58:57 - Closing Prayer of Jabez & Upcoming InterviewsNothing discussed in this episode constitutes financial advice. Always do your own research and consult a professional advisor before making any investment decisions.#XRP #CryptoNews #BlackRockETF #GeminiCard #TrumpMedia #DeFi #UtilityCoins #ISO20022 #BitcoinMining #DadLedger #CryptoPodcast #RealWorldAssets #Stablecoins #Tokenization