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Ripple or not to Ripple? ‘Definitely not’ says a research report



Ripple XRP

The following Q&A is not an endorsement; claims made in the Q&A are not independently verified.

We at CryptoTapas endured a lot of heckle and resistance when we published an article on Ripple titled “Why we do not support nor invest in Ripple.”

In that article, we went through the Emotional, Practical, and Crypto-technical reasons why we do not support Ripple. We also included a few outlandish possibilities of why Ripple might win.

While our opinions were clearly laid out – it did not stop the Ripple community from mocking our stance.

Looks like more and more people who actually do know something about this space are now coming out and speaking their minds before another Mt. Gox incident ruins the crypto space.

Demelza Hays, 30 under 30 Forbes Europe awardee and the writer of Crypto Research Report has released a report, warning investors about Ripple crypto.

The report starts with an outline of the players behind Ripple and Ripple labs, including the connection with Jed McCaleb of Mt. Gox to Ripple and how the company is simply liquidating the XRP coins it controls each month to generate revenue in 100s of millions of dollars out of thin air.

Crypto Research Report Download

Download the Report Here

The report talks about how Ripple is one of the most centralized crypto projects ever created. In fact, the report discloses that a mere 100 active accounts hold 97% of Ripple coins. You are talking about billions of dollars’ worth of Ripple sitting in under 100 active accounts; that is probably more centralized than traditional bank accounts of any company, in our view.

The contents of this report are quite revealing, and we asked Demelza to help us with a few questions of our own. She graciously agreed. Below are the responses from Demelza to our questions.

CryptoTapas: Tell us a bit about yourself; what efforts placed you in the 30 under 30 Europe?

I worked for the US Department of State in Punjab for two years, then I moved to France where I did my Master’s in Economics at the Toulouse School of Economics, and then I started my Ph.D. in Business Economics at the University of Liechtenstein. My doctoral supervisor, Professor Dr. Andrei Kirilenko, is currently at Cambridge University, and he is the former Chief Economist of one of the regulatory agencies in the US called the Commodities Futures Trading Commission. I have been publishing papers and researching cryptocurrencies since 2013.

Demelza Hays

Demelza is the editor of the Crypto Research Report, which is a quarterly report available for free in German and English. She is also a fund manager of a regulated cryptocurrency fund for professional investors at Incrementum AG in Liechtenstein.

I started my first crypto business in 2014, where I was buying and selling cryptocurrencies in France. Unfortunately, my partner in the business had a knife pulled on him, and we had 40 of our Bitcoin stolen in Rotterdam in the Netherlands when we were doing a cash trade with someone we met from when they still had the local cash feature on their website, which they recently got rid of because of Know-Your-Customer and Anti-Money Laundering compliance.

It was a tough loss of 40 Bitcoin as that was all of my savings. Unfortunately, I still haven’t fully recovered my Bitcoin stash. I learned my lesson regarding cash trades in a hard way. After that in 2015, I decided to go ahead and make a Bitcoin ATM business because that’s the same as me buying and selling crypto to people in-person except I don’t need to be in-person – there is a machine instead.

Out of the blue, I just sent an email to the regulators in Liechtenstein, and I asked them if I could meet with them to discuss my business idea. I met with them in February of 2015, and my partner and I were the first people to present Bitcoin and crypto to them in-person. They accepted our proposal for a Bitcoin ATM, and we got to work on founding a business.

We named the business “Blockchain Büro” because Büro means office in German. It’s still in operation today, but we do not have any Bitcoin ATMs anymore. We do mostly government consulting and advising banks. We built a distributed ledger points system for green carpooling for the Amt für Umwelt in Liechtenstein, which translates to Bureau of Environment two years ago to name an example. My partner in business, Philipp Büchel, runs the Büro and he is from Liechtenstein, and he helps people who are interested in doing crypto business in Liechtenstein get started with the right contacts.

On the other hand, the University of Liechtenstein asked me to develop a class on the topic of cryptocurrencies in 2016, which I began teaching in 2017, and I have been teaching it every year since. I also teach other courses at the University, like corporate finance and principles of finance.

In 2017, I joined Incrementum AG, which is a licensed wealth management firm that has 6 funds and $100 million in assets under management. I’m actually in the process of becoming a shareholder this quarter. We are launching a regulated cryptocurrency fund for professional investors this year, August 16th. The fund invests in physical gold and cryptocurrencies because we do not think the current monetary system is sustainable. People will increasingly turn to hard assets over the next couple of decades. When they do, they will choose between Gold and Digital Gold. If the price of gold becomes too high, then people will buy gold substitutes like Bitcoin. On the other hand, if Bitcoin’s price becomes too high, then people will buy Bitcoin substitutes like gold. Our fund arbitrages between these two asset classes.

CryptoTapas: What methodology and effort goes into your research pieces?

We use two main methods: logical deduction and empiricism. We study the fundamentals in order to understand what coins to invest in, and then we use data in order to understand at what time to make the positions and at what time to close the positions.

CryptoTapas: You quoted Bloomberg quotation in the report that states that XRP could be considered a security; What particular attributes could support XRP as security rather than utility token?

My doctoral supervisor’s boss, Gary Gensler, is the former chairman of the CFTC, and he is the one that said XRP is a security. The reason XRP is a security is because of the Howey Test used by the Securities Exchange Commission in the US. One criterion of the Howey Test is that a third party is responsible for generating profits on the investment. In XRP’s case, the third party is Ripple Labs Inc. because they are the only group driving the adoption of XRP. This is the main reason why Ripple Labs Inc. is now claiming that they did not make XRP. On the other hand, Commissioner Hinman of the SEC said Bitcoin is not a security because no third party is responsible for making Bitcoin’s price go up. 

CryptoTapas UPDATE: While we were in the process of getting information from Demelza, there has been a new development with Ripple/XRP. An updated complaint was lodged in United States District Court, Northern District of California, Oakland Division, referring to the SEC guidance on what constitutes a security. 

This aligns and strengthens the comments provided above.

The complaint also alludes to California’s advertising laws, claiming that the investors were ‘misled.’ In our opinion, nothing will come out of these appeals, probably a hefty fine to get things wrapped up while the company moves on to print another $300 Million in a month. 

CryptoTapas: Even after 16 court cases, Ripple continues to hold its top position in the crypto space. Do you think this has to do with their almost unlimited cash supply and buying power they hold in the media?

Yes, it also has to do with their market makers. They are willing to lend XRP to market makers at zero cost, which allows market makers to add millions in revenue to their bottom line. To manage XRP’s volatility, professional market makers ensure that sell walls in XRP order books on cryptocurrency exchanges are reduced when good news are released and buy walls in the order books are built-up when bad news are released. This makes XRP less volatile than other cryptocurrencies that do not have professional market makers.

CryptoTapas: The true spirit behind Blockchain and Bitcoin is to change the existing banking and financial system. When the blockchain vision comes to fruition, banks and financial institutions power could be undermined. In such a scenario, do you think Ripple will have any relevance?



XRP will not have any relevance.

I am 100% convinced that Ripple team is selling security tokens to retail investors.

XRP (Ripple, Inc.), Libra (Facebook, Inc.), Apple Pay, Google Pay, and JP Morgan Coin are competing for the same goal: They want to become a global currency.

First, XRP does not have access to Facebook’s network of 1.7 billion users. Second, Facebook’s Libra is intended to have a stable purchasing power, which is absolutely required in order to gain adoption as a medium of exchange and unit of account. Libra will be backed by reserve assets, such as fiat currency and government bonds, and should, therefore, be able to maintain low volatility. In contrast, XRP is backed by nothing.

The price of XRP is based purely on speculation.

The main point is that if XRP were able to back their currency with financial assets and stabilize the purchasing power of the currency, then that would mean XRP coins should have no price appreciation. In fact, only the equity shares of Ripple Labs would profit from XRP’s adoption as a global reserve currency. But Ripple Labs is a privately held company. After fully understanding what XRP is, one realizes that XRP’s investment pitch does not make sense at all.

CryptoTapas: Do you think Ripple uses the vast supply of cash at its disposal to manipulate mainstream media?

One cannot be sure who pays at the end of the day, but someone with financial interest has paid for thousands of fake Twitter accounts to be made in order to shill XRP on retail investors. If you read the article, you can read about how easy it is to see that the accounts are fake computer bots that just retweet XRP hype. For example, Twitter suspended and banned many accounts for being fake bots after the bots posted on Demelza’s post, including accounts such as @ceramika74, @de7erv, @XRPBOSS77, and @YassinMobarak.

Ripple Labs, Inc. definitely paid a lot of developers with XRP; in fact, up to 50,000 XRP per developer in order to test RippleNet. Some developers received multiple payments over time. David Schwartz and Joel Katz even disclose on Twitter that they pay people to attend events.

Twitter ripple news

CryptoTapas: What in your view could be one reason why Ripple might succeed?

Every country has a central bank, and central banks are 100-year pump and dump schemes. Central Banks play the same game as Ripple Labs Inc. just on a longer time horizon and with fancier buildings. Dollars, pounds, euros, rupees, XRP; they’re all fiat scams in varying proportions. If Ripple is smart by getting enough important people on their payroll, then XRP could definitely succeed.

CryptoTapas: What happens if SEC does declare that XRP is in fact a security?

They will fine Ripple Labs, Inc. with securities fraud and make them pay a fine, which will be very small compared to how much the team has made by merely printing XRP. The team can walk out with billions but be forced to stop selling XRP to retail clients at that point. It’s actually a great “exit” plan because they can blame the regulators for making the project fail.

Thank you for your insights, Demelza.

It is not just Demelza or us that hold the opinion of Ripple becoming obsolete (unless they change their service offering completely), here is what Julian Villaverde, a senior crypto analyst at Weiss Ratings, has to say about Ripple in explaining how Government-issued digital currency could severely undermine Ripple’s success as a company to Cointelegraph:

“The reality is the traditional financial system is based on trust and reputation. But for most institutional participants, Ripple — as any other newcomer — lacks in both. If the Federal Reserve upgrades its systems to mimic some of the utility of RippleNet, this would severely undermine Ripple’s future chance of success. Our view with Ripple has long been that they need to pivot away from catering strictly to financial institutions and focus more on providing financial products and services directly to the public.”

Another piece of the puzzle is that since XRP (and Ripple Labs) are not decentralized, they could face the existential issue if (and when) a legal proceeding takes place against them.

What holds in XRP and Ripple’s future is something we just have to wait and watch.


Original Image Source: “Ripple coin with smoke on white background” by wuestenigel is licensed under CC BY 2.0  Creative Commons
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About the author

RK Reddy holds two Masters degrees, one in Accounting and another in Business Administration with over 15 years of experience in the financial services industry.

RK Reddy is an ardent fan of Blockchain and Cryptocurrencies. You can see the excitement about this new blockchain technology in every article on Sometimes this excitement leads to an overly optimistic view. Guilty as charged. RK Reddy says what may seem like an ‘overly optimistic expectation’ today may become an everyday norm in 5-10 years; look at the history of cars or airplanes, Blockchain and Cryptocurrencies belong to a similar frame of reference.”  Of course, that is just his opinion.


6 Massive Benefits of Cryptocurrency



Benefits of Cryptocurrency

It is normal to be hesitant about using cryptocurrency as the medium of financial transactions. 

There is a school of thought which believes, it is a domain suitable for criminals, fraudsters, and terrorists. Cryptocurrencies allow them to maintain anonymity for discreet transactions and ransomware scams.

However, the increasing acceptance of Bitcoin as a digital currency has initiated a positive perspective around this mode. It brings a distinct set of pros for the users, making them overlook the risks tag along.

According to the Finder, a post on social media surfaces about Bitcoin every three seconds. If we do the math, it means 1203 posts pop up per hour, making it to 20 posts per minute.

A more general view on the crypto landscape speaks of its overall growth, too. Block Social tells us how cryptocurrency exchanges around the globe have exceeded 300 during 2020.

In fact, the success of crypto shows us the loopholes of the traditional banking system. If you, too, want to leap on this bandwagon and aren’t sure about your next move, this is the right place. Our blog sheds light on the positive aspects of cryptocurrency that make it a more established form of financial trade. 


1. Easy transactions

When dealing with brokers or legal representatives, you have to pay the transaction fee from time to time. This comes along with immense paperwork, commission, brokerage charges, and so much more. Using cryptocurrency eliminates the need for a middle man. The transaction changes into a one-to-one affair taking place on a secure network.

No wonder Forbes stated that adopting blockchain technology can save financial organizations around $12 billion yearly. A deduction of extra charges from third parties and reduced operations cost is saving millions for huge organizations.

Moreover, the transactions are transparent, making it easier for you to establish audit trials. There is no more confusion over who pays whom. All parties involved in the transaction know each other quite well. Accountability on each party grows.

2. Asset transfers

A financial analyst rightfully describes cryptocurrency blockchain to be a “large property rights database.” On the one hand, it helps execute and enforce two-party contracts on commodities such as real estate and automobiles. At the same time, it also facilitates special modes of transfer. 

As per Born2Invest, Bitcoin alone is responsible for an average of 350 000 daily transactions on the Blockchain. Meanwhile, Coinbase has 30 million cryptocurrency users (Block Social). The increasing figures of each crypto speak of its acceptance worldwide.

The parties involved in asset transfer can design contracts and add third-party approvals at a later date. It also helps to reference the external facts and gives the parties exclusive governance of their account. It reduces the time and money involved in asset transfers. Perhaps this is why US federal government spending on Blockchain shall reach $123.5 million by 2022.

3. Confidential transactions

Cryptocurrency purchases remain discreet. Unless a user voluntarily publishes his transactions, the purchase is never associated with their identity. In official scenarios, such as when you put your cars for sale, the parties must reveal an association with their cryptocurrencies. It helps to establish trust and relevance.

Within the cash/credit system, your entire transaction history turns into a reference document for the banks/credit agencies involved. On the contrary, cryptocurrency is a transaction that is a unique exchange between two parties. They can negotiate and agree on preferable terms. The information exchange takes place on the “push” basis. This means you transmit only that which you wish to send to the recipient and nothing else.

It keeps your financial history secure and guards you against identity theft. Chances of which are quite high under the traditional transaction system. 

On top of this, the combination of Blockchain with IoT is considered revolutionary by the experts. This has accelerated data exchange, lowering the operation costs, and improved the security of files. Your Tech Diet predicted that 75% of the IoT industry would adopt Blockchain technology by the end of 2020. Lack of exposure is, thus, something the entire industry is looking for.

4. Transaction Fee

You have probably faced hefty monthly account statements from your bank/credit companies. The transaction fee charged at every transaction you have made might leave you shocked. The whopping fee of multiple transactions can take you by surprise at the end of each month.

In the case of cryptocurrency exchange, the data miners receive their share from the cryptocurrency network involved. Transaction fee does not apply as the remote and separate computer systems that do the number-crunching get a pretty fair share. 

According to Investopedia, the Bitcoin reward for miners halves for every 210 000 blocks added to the chain. Nonetheless, this system has freed the transaction parties to pay the fee, making it the most feasible. 

However, there might be some external fee involved if you engage a third-party management service to maintain the crypto wallet. These charges are likely to be quite less than the transaction charges levied by the traditional banking system. 

5. Hold Ownership

The traditional banking system works in a manner where the amount goes to the nominee if a person passes away. The chances of the account closing are quite high when you infringe the terms of their services. Unlike this framework, digital currencies give you the sole ownership of private and public encryption keys. This makes it easier for you to identify the encryption network.

6. High security

Once a party authorizes the cryptocurrency transfer, they cannot reverse it. This is not the case in “charge-back” transactions allowed by the credit companies. Cryptocurrency gives you reliable encryption throughout the transaction process to keep it protected from bugs and malicious entities.

Systems like Binance Smart Chain are enabling people to do more with BTC.

Final Thoughts 

Cryptocurrency is taking the financial world by storm, and we know the reasons why. It is about time you kickstart your digital finances journey and make the most out of it. Who knows what surprises are about to come later in this landscape!

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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Cardano or PolkaDot? Which One to Invest In?



Cardano vs Polkadot

There is a new battle in the crypto space.  Cardano (ADA) and PolkaDot (DOT) maximalists are headbutting as to which project is better and why.

The conversations are intense to say the least and we will try to provide our view on which one we are leaning toward and the reasons why, in this rather short article.

Just to be clear, we are invested in both ADA and DOT so we have a vested interest in both projects, however, we are now asked to pick one over the other and that brings us to this article.


The whole spirit of cryptocurrencies is the concept of decentralization, however, some of the more popular projects don’t seem to have a grasp of what that means.

Diem (previously Libra) or XRP etc., are controlled by a group for validators who could, in theory, easily collude, in our view.

With DOT, things are not as centralized as some other projects with about 1000 validators securing the platform.

However, ADA has the most number of nodes and has most of its circulating supply staked on its wallet. The community behind ADA has biggest proponents of decentralized frameworks.

ADA: 8 (top 10 is reserved for BTC)

DOT: 6


Cardano boasts the maximum number of Ph.Ds on its team and has a more decentralized team structure.  You have teams that are working exclusively on wallet and staking while you have other teams focusing on interoperability. Yet, another team is focused on bridging projects from Ethereum to Cardano.

DOT has the ammunition of Gavin behind it. He is undoubtedly one of the brilliant minds in the space. 

However, as we learned in basic math, sum total is always greater than an individual unit.  This applies more aptly with these projects. In our opinion, Cardano has a greater edge when it comes to collective human capital.

Having Charles Hoskinson helps ADAs impression.

ADA: 8

DOT: 6

Social presence

There is no competition when it comes to social presence and engaging the community when it comes to the leaders of these two projects.

While DOT’s founder Gavin might come out as eccentric and polished in the social media, Charles takes the cake in engaging with his audience and making things sensible for the community.

ADA: 9 

DOT: 7

On a mission

Whenever you hear Charles speak about ADA you will immediately understand that he is on a mission to bring the marvels of blockchain enabled financial services to all corners of the world.

Cardano’s team is now focused on the South Africa continent to bring the under-previleged onto the world commerce through their platform. They are even close to signing a contract with Ethiopia government in 2021.

While DOT is catapulting the entire space forward it just lacks the same charm that comes with a project on a grandiose mission.

ADA: 8

DOT: 6 

Miscellaneous considerations 

Market cap: ADA has $20 Billion market cap while DOT has $19 Billion, as such they are on par with each other when it comes to valuation. The large cap is a stamp of approval from the crypto community.

Price: ADA is at around 60 cents while DOT has been stabilising at $20 at the time of this writing. When the newbies come to the market and they see they cannot afford Bitcoin or Ethereum, they will most likely go after the projects that are under $1. This does not mean DOT is inferior, it is just an edge that low priced tokens have over higher priced projects. It’s just a newbie mindset that drives higher demand during bull runs to lower priced projects.

Inflationary supply

DOT has an inflationary supply model while ADAs supply is capped.

Yes, DOTs supply is far larger than DOT, however, there is no new minting on ADA when compared to DOT.


DOTs technology is operational and is onboarding projects already.  ADA is scheduled to launch its mainnet this month (Feb 2021). ADA has been in works for many years now and if their product matches the hype and the wait – then it may not matter as much that they are late to the party. However, if there are issues with their mainnet – it may not bode well for ADA.

Conclusion: Total score

ADA: 33

DOT: 25

If you are a DOT fan you might think this score is skewed.   If you are an ADA fan you might think it should score perfect points in all fronts.

In fact, there are some areas where DOT is a clear winner like having a functioning platform. ADA, in our opinion, takes the prize with clear fandom, gigantic mission and a total brainiac project. 

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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Best of the Best YouTube Channels to Follow for your Crypto Fix



Best Crypto Youtubers

There are literally 100s of crypto-experts on YouTube who claim to have cracked the secret code that can make you millions in crypto riches. 

Who should you follow?  

We have followed many YouTubers, subscribing and unsubscribing to avoid the noise and after having been in this space for over 4 years, we have narrowed our favorite crypto YouTube channels to just a few.

In this article, we will show you our favorite YouTubers and what we like about each one of them. 

Overall number 1: Coin Bureau

coin bureau When it comes to deep analysis, composed demeanor and outright professional crypto channel in the entire space, we have not come across anyone better than Guy.  

Not only is he great at the reviews and in depth analysis, if you have followed the channel long enough you will realize that he reviews the gems long before others pick on the momentum.  

He picks solid projects, never shills a shitty project to his followers and is upfront about his views which he backs up with solid research.

This is the best no-shill and no bull crypto channel on YouTube in our view.

Best original content: Chico Crypto

chico crypto review

If you love a bit of quirky, goofy and somewhat out there viewpoints on the crypto space then there is no one better than Tyler at Chico Crypto. 

His investigation stretches the boundaries of research (and sometimes common sense) but he does do a bang up job on every video.  

I am yet to come across a boring video on this channel.  I will admit that his live streams can be a drag sometimes but his followers seem to relish his presence.

You may not like or agree with what Tyler presents on this channel but you will absolutely be floored by the originality.   

Best TA: TIED: Crypto Capital Venture & Tyler S

                         Crypto Capital Venture Tyler S crypto

With under 90K subscribers at the time of this writing, Dan may not be the most popular of the Crypto channels [yet] but his TA analysis is just so easy to follow.

Dan makes it easy for non-technical folks to understand what’s going on in the market in the language of TA.

There are other folks on YouTube who are good at TA but their videos are so obnoxious that they leave you with a massive headache.  

Not Dan’s Crypto Capital Venture channel.   Dan walks you through the markets in such a calm, composed and professional manner that you might start caring about those candles.

We are forced to share the Best Title for crypto TA on YouTube with Tyler S. 

Tyler’s expertise on TAs is quite awesome and he has a funny way of delivering it too.  

Best expertise on the markets: Alessio Rastani

Allesio RastaniIt doesn’t matter if you are just lurking around the crypto markets or if you trade in the traditional markets…Alessio is one of the best guys on YouTube for great insights into the broad market and its impact on Crypto.

While everyone on YouTube (not the people on this list, of course) is either quick to FOMO or FUD, Alessio is just grounded in fundamentals and technicals.

When you are high on FOMO, he can bring you to the ground.

When you are getting buried in FUD, he can lift you up with facts, not false hopium.

Alessio is personable, professional and an honest guy to follow to understand the markets ahead of others.

Best round up of the market: AltCoin Daily

Altcoin DailyWant to stay up-to-date on what’s happening in the crypto space but don’t have time to keep up?  

Fear not. AltCoin Daily got you covered.

This channel is just a gem among the channels that bring crypto market updates in a concise and palatable format.

You can sense the dedication in the way Austin brings the updates and his opinions in front of his audience. No wonder the channel has recently hit over 420K subscribers.

Best humble and honest take: Crazy 4 Cryptos

Crazy 4 crypto

What does Crypto mean to you?

Most people will say ‘Freedom’, yet, most of the YouTubers we see on the Tube will be broadcasting from their bedrooms or backyards (nothing wrong with that) but not Dave.

He has been in Thailand and streams his videos directly from the beach.

You will immediately connect with his simpleton style and honest reviews.  

He has been touting about Theta when it was trading in cents and now those who followed him are very happy.

Besides Theta, Dave talks about a lot of topics in terms of storing your coins, being careful with people and how to have a long-term plan in space.

Honorable mentions

Team Underground (TA)

We had too many channels to weed out for the TA category and that is why we had to pick two winners, however, Team Underground is a channel we cannot skip.

This underdog channel has been more right about the calls than any other mainstream channel. If you like your TAs and technical side of crypto – be sure to check this channel out.


People either love him or hate him.  There is no middle ground when it comes to BitBoy.  

Personally, we have to weed out a lot of noise while browsing through his channel since he picks a new project every few days (or weeks) and can become overwhelming. 

However, the fresh content is worth the watch.


The guy behind this channel is truly vested in the space. So much so that he recently launched his own crypto project.

It’s definitely refreshing to see the YouTuber taking his expertise into a live project.  

The reason we did not list this channel on the BEST list is because of the constant feed of projects he pitches that is a bit overbearing for our taste.  

Nevertheless, a great channel and great recommendations.


There are 100s of YouTube channels out there but not everyone is worth your attention. We hope you found some channels of interest through this article.

Note: if we missed any gem of a channel, please let us know and we will be more than happy to add it after review.

Thank you for reading and sharing this article. We appreciate you.

Stay safe and healthy!

Top 5 Cryptocurrencies 2020


Everything in this article is an opinion, not an advice of any kind. This material has been prepared for general informational purposes only and it is not intended to be relied upon as accounting, tax, investment, legal or other professional advice. Please consult with a professional for specific advice.

We do not endorse or guarantee the accuracy of the information and claims made.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Continue Reading