November 2025
This month’s newsletter will be slightly different. Every month, I seek the Lord, asking Him for direction on what I write. He fills my mind with ideas, and after thorough examination, prayer, and research, I share those ideas with you. They tend to be filled with important financial and trading information to equip you for success to invest in crypto, all while weaving scriptural insights since the Bible is always our foundation.
The focus in October has shifted quite drastically. What used to be a daily waiting game to see if crypto moves during “Uptober” has moved toward waiting on God. He’s called me to be still with Him beyond my normal routine of a few hours a day. The time spent has increased my awareness of how much God cares for our financial breakthrough and that the timing belongs to Him. This surrender hasn’t just quieted my trading screen—it’s also quieted my heart.
My perspective has also grown wider as a result, looking at the bigger picture of what’s happening in the crypto market and in the world. The crypto markets don’t function as they used to, as they were largely driven by retail speculation. Now, with institutions getting in, they patiently shake out people like us (retail traders) to buy up what we’re willing to sell without causing the price to spike higher. Having to be patient through this was frustrating. Now I’m captivated by His presence instead.
Even beyond the crypto market, the Lord has been warning me (and others) that something far bigger is brewing and that seismic shifts are on the horizon, both good and bad. Therefore, this season is important for us to be walking closely with the Lord by spending quality time with Him. It’s always important to do this, but now is critically important. I would urge you to prayerfully consider doing the same—drop matters of lesser importance and let His presence reshape your priorities, just as it has mine.
As I’ve sat at His feet over these past weeks, He’s given me a good portion to share with you. It’s something far more important than financial strategy (although I do have that for you as well, which will come later in the newsletter). But before we chase multiplication strategies, we must address something far more important: the condition of our hearts .
This is the key to pleasing God and experiencing lasting success with joy.
A Key That May Be Necessary To Unlock Your Breakthrough
Our Scripture focus comes from Judges 1 and 2. At this time, the Israelites had just conquered the land of Israel and had already divvied up the land between the 12 tribes. God had given His people a command to destroy the inhabitants of the land and not to make a covenant with them so that their hearts wouldn’t turn away from God.
Deuteronomy 20:16-18 – But in the cities of these peoples that the LORD your God is giving you for an inheritance, you shall save alive nothing that breathes, but you shall devote them to complete destruction, the Hittites and the Amorites, the Canaanites and the Perizzites, the Hivites and the Jebusites, as the LORD your God has commanded, that they may not teach you to do according to all their abominable practices that they have done for their gods, and so you sin against the LORD your God.
Tragically, as the tribes settled in, half of the tribes disobeyed with half-hearted obedience at best. Let’s focus in on one example:
Judges 1:34-36 – The Amorites pressed the people of Dan back into the hill country, for they did not allow them to come down to the plain. The Amorites persisted in dwelling in Mount Heres, in Aijalon, and in Shaalbim, but the hand of the house of Joseph rested heavily on them, and they became subject to forced labor. And the border of the Amorites ran from the ascent of Akrabbim, from Sela and upward.
The Danites and the house of Joseph, compromised God’s orders. Instead of driving out the Amorites, the Danites stopped fighting when the pushback was stronger than their resolve.
To make matters worse, the people of Joseph changed things up entirely. Instead of correcting the Danites and obeying God, they thought it was better to enslave the people. Imagine how they justified their decision: ‘No more battles and free labor to ease our burdens! Let them build our cities while we rest from prior wars.’ It sounds logical… even efficient?
People can easily twist what God commands because the desired selfish benefit from compromise is perceived to be greater than full obedience.
The Danites were content with complacency while the house of Joseph used the people for their own desires. Neither of these options were acceptable to God even though the reasoning in their own minds made sense to them. God is not a man that His commands should be taken as they please. His ways are higher than our ways and God knows what’s best for His people.
Full, complete, and timely obedience was what was expected of them.
Had they obeyed His voice, God would honor His promise for them to be “set high above all the nations of the earth” (Deuteronomy 28:1). Instead, God was very displeased by their compromise and calls them out on it in the next chapter:
Judges 2:1-4 – Now the angel of the LORD went up from Gilgal to Bochim. And he said, “I brought you up from
Egypt and brought you into the land that I swore to give to your fathers. I said, ‘I will never break my covenant with you, and you shall make no covenant with the inhabitants of this land; you shall break down their altars.’ But you have not obeyed my voice. What is this you have done? So now I say, I will not drive them out before you, but they shall become thorns in your sides, and their gods shall be a snare to you.” As soon as the angel of the LORD spoke these words to all the people of Israel, the people lifted up their voices and wept.
The land that God meant for good had become a source of pain for them because they did not FULLY follow the Lord.
Partial Obedience is Disobedience
Their compromise led to partial obedience—and it backfired big time. God expects full obedience out of His children, not half-measures that leave room for compromise.
If we’re walking in any compromise, it will backfire on us too. The good gifts that God intends to bring through crypto can quickly turn into thorns in our sides, snaring us just like they did Israel.
Crypto Exodus family, I invite you to join me in asking God to reveal if our hearts have any compromise in them. If the Holy Spirit shines His light in a dark spot, please don’t ignore that warning. “For the Lord disciplines the one he loves, and chastises every son whom he receives” (Hebrews 12:6).
If He uncovers any compromise, we need to repent and ask God to create in us clean hearts and renew a right spirit within us (Psalm 51).
This is urgent because a compromised heart will use money in a way that will be an offense to God, especially when a wealth transfer breakthrough may be imminent.
Matthew 6:21 – For where your treasure is, there your heart will be also.
The increase through crypto can only be used in the direction of where our hearts put it. If we are divided in our loyalty to God, the financial increase will expose this. God often responds to compromise by thwarting man’s efforts and this happened in the book of Haggai when “he who earns wages does so to put them into a bag with holes” (Haggai 1:6). The same can happen with our crypto earnings.
God will continually shake us and get in our way until we repent. If we resist Him long enough, eventually there is fallout and the consequences become more severe the longer we resist. God is not mocked. We will eventually reap what we have sown. It’s easy for us to mistake God’s kindness as a green light for our compromises. It may even appear like He’s blessing us while we get shaken. However, I’ve heard Pastor Tim Dilena from Times Square Church say it this way: “God is the only one who fires us but lets us keep our position” as he was expounding on Saul’s compromise in 1 Samuel. This shaking is God’s merciful way to get us back on track.
With the stewardship of the wealth transfer at stake, this is too important to ignore. I think the wealth transfer will come in waves over the years to come. If we are faithful with each wave, God will bless it and we can participate in the next one.
If we fail the test of prosperity along the way because our hearts serve two masters, future participation of the wealth transfer may be taken away. But, if we are faithful with this test too, we can experience His continual blessings in the days ahead.
Jesus has a great plan with this wealth to be a blessing to all if we will surrender our hearts and the money to Him. What God requires of us is humility and obedience so He can work powerfully through us to advance His Kingdom.
Proverbs 10:22 – The blessing of the LORD makes rich, and he adds no sorrow with it.
Matthew 5:5 – Blessed are the meek, for they shall inherit the earth.
Prayer for the community:
Lord Jesus, thank you for the opportunity to participate in this coming wealth transfer. Thank you that you are the giver of all good gifts and that every good and perfect gift comes down from you without a shadow of turning in it. I ask that You would purify our hearts and reveal to us if any of us have a heart of compromise. We desire to be pleasing to you with all that you will give to us. The sin and the weights so easily beset us from the race you’ve called us to and you have a good purpose and plan for this increase. Please place it on our hearts as a community to know how You would have us to use what You’ve given. May we have hearts to be cheerful givers and to give to those who are in need: the widow, orphan, homeless, trafficked, displaced, and war-torn. Help us to support the organizations, ministries, and missionaries that are diligently advancing Your Kingdom. Help us to fund the end times harvest to bring the souls back home to Jesus. You also know that many of us want to use some of the money to buy good things for ourselves and I ask that You sift through those desires to discern buying that which is good. Help us so that the crypto will not become an idol and that we remain unspotted from the world. Above all, may we use these resources in such a way that we will hear from You, “Well done my good and faithful servant.” In Jesus name, Amen!
Crypto Blueprint to Increase
Matthew 22:20-21a – And Jesus said to them, “Whose likeness and inscription is this?” They said, “Caesar’s.”…
With the thousands of cryptocurrencies in the market, how do we determine which to buy?
The answer is very simple. Which coins have the likeness of governments, large institutions, and the banking system stamped on them? They are the ISO 20022 compliant cryptocurrencies. The crypto market is likely moving toward an age of utility, not memes since institutions are entering into crypto for increasing efficiency of their operations.
In a nutshell, the ISO 20022 is an updated financial messaging standard that is requiring the international banking system globally to finalize the upgrade by November 22, 2025. This upgrade will allow for crypto integration on this system but only if they are ISO 20022 compliant. XRP and XLM are among those that are compliant.
The following cryptos are also ISO 20022 compliant and I am recommending them for purchase.
XDC (XDC Network) – Involved in Trade Finance and Real-World Asset Tokenization.
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Large companies using XDC – BlackRock, State Street, Fidelity, Aberdeen (UK Investment Company), SBI Japan (Bank), Deutsche Telekom
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Government services using XDC – Singapore, Brazil, Zanzibar
XDC has fallen about 70% from it’s highs.
Once XDC breaks up out of it’s downtrend, it’s likely to move into wave 3. It may fall further from here but I don’t think it’ll fall much further if it does.
Recommendation: Buy XDC at the current market price. Since it’s possible that XDC could fall a bit further, you can have averaging down prices at $0.052 and $0.045.
ALGO (Algorand) – Energy-efficient, quantum-secure, single-layer blockchain with instant finality, consistently high throughput, and low fees. 2000+ organizations use ALGO.
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Large Companies using ALGO – Mastercard, Circle (USDC Stablecoin), IBM, FIFA soccer, Enel ($1B+ Italian utility company), Gestamp (Spanish Auto Manufacturing)
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Governments services using ALGO – India, Marshall Islands, Colombia, Afghanistan, Syria, Nigeria.
ALGO has fallen about 85% from it’s high and when it moves higher, it tends to spike very quickly.
ALGO is likely near the bottom of wave 2. If it breaks the first support, as long as it doesn’t break the second line underneath it, we still have a good shot to have an upside breakout.
Recommendation: Buy ALGO at the current market price. Averaging down prices could be set at $0.11 and $0.06.
These cryptos have much less invested in them compared to XRP and XLM. XRP has a $150B market cap where ALGO has $1.5B and XDC has $1.05B. They both can move up really fast under the right conditions. Since they are smaller cryptos, they can multiply faster on a percentage basis in the short-term.
My personal conviction is that XRP should have a larger position size than ALGO and XDC since it’s impact is likely to be much larger and worth much more in the end.
Another ISO 20022 project I am watching for a better entry price:
HBAR (Hedera) – Super-efficient, non-blockchain ledger designed for real-world, enterprise-scale use
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Large Companies using HBAR – Google, IBM, LG, Boeing, Deutsche Telekom, Hitachi, Various banks, Tata Communications, WorldPay
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Governments using HBAR – State of Wyoming
What about the crypto crash?
There is increasing evidence that a crypto and stock market crash is on the way. My belief is that we will see it occur sometime in 2026, possibly in the first half of the year. A massive sub-prime auto lender Tricolor Holdings went under with bad loans of up to $10B affecting multiple banks. Auto part manufacturer First Brands Group went under and also had $10B in debt. Gold has spiked to around $4K per ounce, signaling underlying economic uncertainty. Many layoffs from major firms are picking up steam. CEOs from many companies on earnings calls are citing “cash strapped” consumers affecting their bottom line. The Federal Reserve has started cutting interest rates and is headed toward quantitative easing.
We believe this is akin to being in 2007 before the 2008 crash.
We are holding our positions because the factors of a strong melt-up is in play.
If we get the melt up, I will be recommending getting rid of the low buy orders on LUNA and SHIB and setting low buy orders for everything else.
If anything else changes, I’ll keep you informed.
Blessings,
Ron
Current Portfolio & Purchase Prices
XRP: $0.60
XLM: $0.2867
SHIB: $0.0000143
LUNC: $0.0000687
ZNOG: $0.20
OXT: $0.055
ZBCN: 0.0027
XDC: $0.06
ALGO: $0.177
This newsletter is not intended to be financial advice and is meant to be for educational purposes only. Please do your own diligence before investing in cryptocurrency.
