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Crypto for Dads: Navigating the Genius Act with Trent Cleveland

crypto investing cryptocurrency dad finance dag fatherhood genius act nostro vostro ryan fields-spack stable act stablecoins web3 2025 xrp Jun 25, 2025

Disclaimer: This is not financial advice. Consult a licensed financial advisor before investing.

Hey dads, welcome to The Dad Ledger! I’m Ryan Fields, and I’m thrilled to have Trent Cleveland, a crypto-savvy node-running dad, back to unpack the wild crypto world. If your kids are asleep, grab a coffee—this is your space to grow as a father while exploring opportunities like cryptocurrency. In the last 72 hours, Bitcoin surged, XRP dipped, and the Genius Act passed the Senate 68-30, signaling a crypto revolution. Trent and I, joined by Timo Prieto weekly, aim to help you navigate fatherhood and finances. Let’s turn this chaos into opportunity for your family tree!

Crypto Chaos Unpacked

The crypto market flipped upside down this week. Bitcoin’s rally reflects growing confidence, while XRP’s dip hints at short-term volatility amid regulatory shifts. The big news? The Genius Act, a bipartisan stablecoin framework, passed the Senate on June 17, 2025, and heads to the House. This act, alongside the Stable Act, aims to regulate dollar-pegged stablecoins, opening doors for banks and fintechs to issue them. With President Trump pushing for passage before August, this could reshape global finance. For dads, this chaos is a chance to learn and act before the market matures.

Understanding Stablecoins

Trent breaks it down: stablecoins minimize price volatility, unlike Bitcoin or XRP. Pegged to assets like the U.S. dollar or gold, they act as digital dollars with crypto benefits—fast transfers without price swings. Take XRP: it powers the XRP Ledger, enabling instant cross-border payments. Compare that to today’s Nostro Vostro system, where sending $1,000 from Colorado to London locks up $3,000 across three buckets (sender’s bank, escrow, receiver’s bank) for 3-5 days, racking up fees while banks earn interest. Stablecoins like XRP eliminate this, transferring value in seconds with minimal cost—a game-changer for global payments.

Current Events Impact

The Genius Act’s passage is a milestone. It allows banks like Wells Fargo to issue stablecoins, maintaining liquidity and earning interest directly, bypassing Nostro Vostro’s inefficiencies. XRP’s role shines here—its ledger supports currency conversion (e.g., USD to Yuan), and Ripple’s partnerships with SBI Holdings (Japan’s first XRP adopter) and Circle (post-IPO) signal adoption. Circle, bailed out during the 2023 Silicon Valley Bank crisis with $3.5 billion, just went public, surging 250%, and partnered with Newbank and SBI. Ripple’s Hidden Road acquisition 90 days ago further ties XRP to this ecosystem. With stablecoins hitting $238 billion in market cap (per CoinDesk), dads can leverage this growth, though volatility remains—XRP’s recent low reflects market noise to filter out.

Steps for Dads to Engage

Dads, you don’t need to be a crypto expert to start. Here are seven small steps to dip your toe in, inspired by Trent’s journey:

Learn the Basics: Watch Raoul Pal’s free Real Vision content to understand blockchain and stablecoins. His macro insights are dad-friendly and foundational.
Explore a Platform: Download Robinhood or Uphold, sign up, and browse XRP and DAG. No investment yet—just get comfortable with the interface.
Start with Research: Follow Blockchain Backer on YouTube. As a dad who left his 9-5 for trading, he offers practical XRP and Bitcoin analysis.
Join a Community: Email Trent via the podcast link or connect on LinkedIn. He’s open to calls with dads, sharing his five-year experience.
Test a Small Investment: Invest $50-$100 in XRP or DAG. Track prices on your app to learn without risking much—Trent started small too.
Stay Informed: Check X for Genius Act updates. Follow @saylor or @Ripple for real-time insights on stablecoins and market shifts.
Pray for Guidance: Use the Prayer of Jabez daily—“Bless me, expand my territory, guide me, keep me from evil”—to align crypto moves with family goals.

Faith and Community

Trent and I share a faith-driven approach. The Prayer of Jabez, prayed at episode’s end, seeks blessings to support our families, a nod to stewardship over greed. This community—us dads, Trent, Timo—is about learning together. Trent’s offer to guide you reflects our mutual growth. As regulations like the Genius Act stabilize crypto, faith can anchor your decisions, ensuring wealth serves your wife and kids.

Conclusion

Dads, the crypto space is uncharted but ripe with opportunity. The Genius Act’s passage and stablecoin growth signal a financial shift—XRP and DAG could power your family’s future. Start small: learn, explore, connect, and pray. Trent’s five-year journey and my eight-month dive show it’s doable. Subscribe to The Dad Ledger for weekly episodes with Timo, and watch for our deep dive on central bank digital currencies. Take one step today—your family tree awaits!

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