Why I Recommend Coinbase (buy/spend), River (business/nonprofit), Bitkey (long-term savings), and Fidelity (retirement)

00:01 Hey everyone, I thought I'd do a quick 00:03 video on why I recommend what I 00:05 recommend and what my thinking is behind 00:08 that recommendation. So, I'm actually 00:10 going to go in reverse order of the four 00:12 names I posted. So, I'm going to start 00:14 with retirement and where I recommend 00:15 Fidelity. Now, there are some ways to 00:18 directly hold Bitcoin uh yourself in 00:21 self-custody in a retirement account. 00:23 The most common is Unchained Capital. 00:26 Uh, but I don't recommend it because 00:27 it's technically, excuse me, it's 00:30 technically quite difficult. There's 00:32 seed phrases. You have to stamp them in 00:33 metal plates. You got to not lose them. 00:36 You got to make sure a hacker doesn't 00:37 see them. There's just, it's technically 00:40 far, you know, I just can't recommend it 00:42 for anybody but like really technically 00:44 sophisticated people who really want to 00:46 go sort of deep down that road. So, even 00:50 though it's not ideal for Fidelity to 00:52 hold your Bitcoin in a retirement 00:54 account, I also think that retirement 00:55 accounts are the safest from government 00:58 confiscation, the likelihood that the 01:01 government is going to confiscate 01:02 Bitcoin in a retirement account is less 01:05 than the likelihood that they would 01:07 confiscate it at just being held in a 01:09 custody or a brokerage account. Uh, and 01:12 obviously they can't custody it or they 01:14 sorry, they can't confiscate it if it's 01:16 held in Bitkey in your own self-custody. 01:18 But for retirement accounts, because 01:20 there's not currently an elegant way of 01:23 holding Bitcoin in Bitkey in a 01:26 retirement account, at least not that I 01:28 am aware of, um, that leaves the sort of 01:30 best option that's super easy to use for 01:32 everyone. Uh, Fidelity. Fidelity does 01:35 hold uh, the Bitcoin on your behalf. 01:37 They hold it in their own custody. They 01:39 do not depend on Coinbase or anyone 01:41 else. They hold it literally, you know, 01:43 in their own, you know, ultra secure 01:45 digital vaults on your behalf. And I 01:48 just found out yesterday that Coin or 01:51 sorry uh Fidelity for their crypto uh 01:54 services are is about to roll out the 01:56 ability for you to transfer Bitcoin 01:58 directly off their platform into cold 02:00 storage. Now, I don't think that that 02:02 will apply to retirement accounts, but 02:04 it does mean Fidelity as a whole is 02:06 going in the right direction. Uh, 02:08 Fidelity has been involved with Bitcoin 02:10 since 2014 and which is a long time in 02:12 Bitcoin, just a few years uh or I guess 02:15 5 years after it was created in 2009, 02:17 but much earlier than any other 02:19 companies got involved um at least 02:22 companies of their scale. So, I'm a big 02:24 fan of Fidelity. It's not ideal to not 02:27 control the keys to your Bitcoin the way 02:29 you can with Bit Key. But for retirement 02:31 accounts, it seems to me to be a 02:33 trade-off that is uh a trade-off most 02:36 people are willing to make because of 02:38 the technical difficulty of using 02:40 Unchained Capital or some service that 02:43 uh lets you hold the keys to your 02:45 Bitcoin in a retirement account. Now, 02:48 quite a few times I've considered moving 02:50 my 401k 02:52 uh to Unchained, but every time I'm 02:54 like, I just do not want to deal with 02:57 more hardware wallets, more seed 02:58 phrases, more metal backup stamped, more 03:02 time locks, more geographic 03:04 distribution. I just don't want to deal 03:05 with all that. I've got too much of that 03:07 in my life already, which is why I've 03:09 got my 401k, uh, Bombgar 401k, which I 03:13 converted to a, uh, an IRA, a rollover 03:16 IRA, because it has to be a rollover 03:18 IRA. If you roll it over from a 401k, 03:21 that makes it a rollover IRA. So, I've 03:23 got that sitting on Fidelity. Uh, again, 03:26 because I just don't want to go tackle 03:29 setting it up on Unchained Capital. And 03:31 for the average person, I'm quite 03:32 technical. for the average person, I 03:34 certainly would not recommend um you 03:37 know doing a more technical approach. Um 03:39 so anyway, so that's why I recommend 03:41 that. All right. So if you and and 03:43 certainly there's there's other options 03:45 over time. Uh Charles Schwab uh says 03:48 that they're going to roll out custody 03:50 services for Bitcoin and there's going 03:52 to be a lot of services, but Fidelity 03:54 just seems to be the clear winner. They 03:56 lead in the marketplace. If you're 03:58 already on Black Rockck, they might 03:60 already have something similar, but I've 04:02 just had really good success with 04:03 Fidelity. I know a lot of people who 04:05 have also had really good success with 04:06 Fidelity, and so I recommend Fidelity. 04:09 Um, but again, there's it's not it's not 04:12 perfect because they custody the Bitcoin 04:14 for you, but it's as close to perfect uh 04:17 for someone who does custody the Bitcoin 04:18 for you as you can get. And Fidelity 04:21 supports IRA, Roth IAS, 401ks, you know, 04:25 every every imaginable form of 04:26 retirement. Fidelity has you covered. 04:29 And you can roll it over to Fidelity 04:31 from another provider. It's great. They 04:33 do a good job. They have great customer 04:34 service, everything like that. Okay, so 04:36 that's Fidelity. All right. Working in 04:37 reverse order, long-term storage, uh, 04:40 cold storage, long-term savings. Bitkey, 04:43 uh, bit 04:45 ke.orld. Bitkey.world is the website. 04:48 Bitkey is hands down just phenomenal in 04:51 every way. Every other product I 04:53 recommend in this video being Fidelity, 04:57 Bit Key, River, Coinbase, every one of 04:60 them has tradeoffs except BitKey. Bitkey 05:03 is as perfect as a product can be and 05:05 nothing else is even remotely close. Uh, 05:08 everything else out there, cold card, 05:10 treasure, Ledger, um, I mean, just you 05:14 name it. Coin Kite, the coin, any of the 05:16 Coin Kite products, I mean, everything 05:18 is way too complicated, way too high 05:21 risk that you're going to accidentally 05:22 screw something up and lose your 05:24 Bitcoin. Way too likely that you're 05:27 going to accidentally lose your seed 05:28 phrase or get it exposed to a hacker. 05:30 Like I just do not recommend any of the 05:33 other products in the marketplace to 05:35 Bitcoiners other than Bitkey. Bitkey is 05:38 as close to a perfect product in the 05:40 Bitcoin ecosystem as literally it's 05:43 conceivably possible to create. 05:45 Nothing's I mean it's just it's amazing. 05:47 They just they knocked it out of the 05:48 park with that product. It keeps getting 05:50 better. I love BitKey. So Bit Key is the 05:54 only really the only thing here that 05:56 doesn't have tradeoffs. Um although it 05:58 would be nice if Bitkey made it cheaper 06:00 to buy Bitcoin directly within Bitcoin 06:03 uh Bitkey, it's still better to buy it 06:05 on another platform and then move it 06:06 over to Bitkey. Um but I'm hoping that 06:09 the fees will come down uh as soon as 06:11 they add Strike S I ke. I'm hoping 06:14 Strike will have substantially lower 06:16 fees when it gets added to Bit Key, but 06:19 that has not happened yet. Um, and the 06:21 current providers are more expensive 06:23 than I'm comfortable recommending, which 06:25 is why I still recommend people buy 06:26 Bitcoin on either Coinbase or River and 06:29 then move it to BitKey as opposed to 06:31 buying and selling directly from within 06:34 BitKey. But anyway, BitKey is just the 06:36 most amazing of the products that are 06:38 that I'm covering today because there's 06:40 basically no trade-offs. It's just 06:41 incredible in every way. So, that's 06:43 BitKey. To recap here, we got Fidelity, 06:46 which is sort of the best of the 06:47 providers for retirement products, 06:50 401ks, IRA, Roth IRA, anything you want 06:52 to put in Bitcoin. Fidelity's got you 06:54 covered. Um, but again, with the 06:56 trade-off that they hold the keys, not 06:58 you, but it is sort of the next best 07:01 thing to holding the keys yourself, even 07:02 though nothing is as good as holding the 07:04 keys yourself. All right, so then we got 07:07 Bit Key, which is like hands down the 07:09 winner. Nothing's even close. It's not 07:11 even a competition. Get yourself a Bit 07:12 Key. It's amazing. I've tried them all. 07:15 You know, all the different competitors. 07:17 I absolutely don't recommend any of 07:18 them. Bit Key stands alone. Bit Key is 07:21 amazing. Get a Bit Key. All right. So, 07:23 uh, the last category, uh, so let me 07:26 start with the easy one. For businesses 07:29 and nonprofits, River is by far your 07:32 best bet. Nothing even comes close. 07:34 Absolutely positively. Get an account on 07:36 river.com. R I Ver singular like one 07:40 river. r i 07:43 veer.com. Get a river account. It's a 07:45 no-brainer. Makes all the sense in the 07:47 world. Get a river account. So, um, the 07:49 reason I say that is it is much, much, 07:52 much more difficult and costly to get a 07:55 business account on Coinbase. Coinbase 07:57 charges an upfront non-refundable $1,000 08:00 application fee. And the paperwork 08:03 requirements on Coinbase to get a 08:05 business account are just about the most 08:07 painful process I've ever gone through 08:09 to get any sort of account on anything. 08:11 I just absolutely it's just unbelievably 08:15 painful. So, uh, for the vast majority 08:18 of businesses, unless you're a large 08:20 business that's going to do high volume 08:22 buying and selling of Bitcoin or you 08:24 need just sort of super high-end custody 08:27 services and whatever else, but for any 08:30 for any small or medium business or any 08:32 nonprofit, absolutely, River uh, targets 08:35 that demographic and does a really good 08:38 job of getting you everything you need 08:40 to make it super elegant. So, for 08:43 businesses and nonprofits, Rivers sort 08:45 of the sort of the clear winner there. 08:47 All right. For individuals, which is the 08:49 category most likely to want to buy 08:50 Bitcoin, I'm torn on this one because 08:54 um if you're willing to sort of ramp up 08:58 to the technical, you know, the 09:00 technicality and the extra complexity of 09:03 Coinbase Advanced, um then you can get 09:06 cheaper Bitcoin buying on Coinbase 09:08 Advanced than anywhere else. The problem 09:11 is it's quite technical and now I have a 09:13 video on how to do it and you know I 09:15 walk through it and all that sort of 09:16 stuff. So it's not that hard, but um 09:20 Coinbase just hits you with a lot. Uh 09:22 Coinbase is constantly marketing random 09:24 tokens that are one day going to be 09:26 worthless. Uh and so you have to 09:28 navigate that. They're constantly asking 09:29 you and telling you that 0% of your 09:32 crypto is staked. And they're 09:34 encouraging you to stake your crypto, 09:35 which is something you can't even do 09:37 with Bitcoin. And I do not recommend 09:39 doing with anything because you should 09:42 not own any crypto that can be staked 09:44 because by definition, if something can 09:46 be staked, that means it's not 09:48 decentralized, which means it's a token 09:51 or a crypto, whatever, that is not going 09:54 to retain its value over time. So, um, 09:57 so there's just a lot of complexity and 09:59 the fees on Coinbase Standard are very, 10:02 very high. So, if you log in right now 10:04 as a brand new user to Coinbase 10:06 Standard, the fees are about 10:08 4.7%. Um, it's about 4.74. Now, that's 10:11 made up of a 10:13 3.74% fee and a 1% spread, which means 10:17 they charge you 1% more than the current 10:20 market price to buy Bitcoin. and they 10:23 you receive 1% less than the current 10:26 market price when you sell Bitcoin. So a 10:28 spread is the difference between the 10:31 price you pay when you buy and the price 10:33 you pay you get when you sell as 10:36 compared to the market midpoint. So 10:38 anytime you log into one of these apps 10:40 and it'll show you the price of Bitcoin 10:41 and the price of Bitcoins is showing is 10:43 always the midpoint which is the price 10:45 at which the very last time someone 10:48 bought or sold a bitcoin. But a lot of 10:51 these apps when you actually want to buy 10:52 or sell, they show you a different 10:54 price. And that price includes what's 10:57 called a spread. And the spread that 10:59 they include uh adds to or subtracts 11:02 from the market price on the home 11:04 screen. So in the case of Coinbase 11:06 Standard, they charge you 1% more if 11:08 you're buying and you receive 1% less if 11:12 you're selling. So, there's a 2% price 11:14 difference between uh selling versus 11:17 buying Bitcoin, which means the price 11:19 you see on the home screen is the 11:20 midpoint. Basically, the price that it's 11:22 actually transacting for. But if you're 11:24 buying or selling, you're automatically 11:26 uh effectively getting charged a 1% 11:28 penalty called a spread, which is just 11:31 uh you know, one more way exchanges make 11:33 money. Uh but when you add that 1% 11:35 spread on Coinbase Standard to the you 11:39 know already very high fees in the case 11:41 of $100 buy uh 11:44 3.74% you end up with 4.74%. So that's 11:47 just under 5% less. So you buy $100 of 11:50 Bitcoin and suddenly there's barely more 11:52 than $95 in your account which is just I 11:55 mean those are ridiculously high fees. 11:56 So I have a hard time recommending 11:58 Coinbase uh Standard because the fees 12:01 are so high. Uh but if you're willing to 12:03 jump through the hoops of the complexity 12:04 and you know sort of the technical 12:07 interface of Coinbase Advanced, you can 12:09 get the lowest possible fees uh in the 12:12 market. But again, there's just a lot of 12:14 complexity there, which is why I'm torn 12:15 cuz part of me wants to recommend the 12:17 easiest thing with it, which is River. 12:19 Uh but in River's, you're going to pay a 12:21 uh a flat 1% plus a.3% spread. So buying 12:25 or selling, you're only ever paying 12:27 1.3% to buy or to sell. Uh but uh you 12:32 can get lower than that on Coinbase 12:34 Advanced. It's always higher than that 12:36 on Coinbase Standard, which means River 12:38 is always going to be a cheaper place to 12:40 buy or sell Bitcoin than Coinbase 12:43 Standard, but Coinbase Advanced if 12:46 you're doing any sort of significant 12:47 volume. Uh Coinbase Advanced is going to 12:50 be cheaper than any of the other 12:51 options. So, if somebody's coming to me, 12:54 you know, from the sort of right out of 12:56 the gate and they're planning to buy 12:58 probably less than $10,000 of Bitcoin, I 13:01 would say just use River because River 13:04 is going to have consistently lower fees 13:05 and River offers zero fees for recurring 13:08 buys. So, you only pay the.3% spread. 13:12 You don't pay the one the 1% on top of 13:14 that or.99% I think it is for River. Um, 13:18 so the the cheapest way to do recurring 13:20 buys is on River. Um, but the the 13:23 cheapest day uh place to do sort of 13:26 non-recurring buys are 13:28 is excuse me is Coinbase Advanced and 13:31 obviously Coinbase Standard is the most 13:33 expensive uh of those three options 13:36 between Coinbase Advanced, Coinbase 13:38 Standard, excuse me, and River. Um but 13:41 anyway, so it it's definitely difficult 13:44 if somebody comes to me uh and says, 13:46 "Hey, I want to buy some Bitcoin. Where 13:48 should I 13:49 go?" Uh the the the other thing that 13:51 makes it difficult is the Coinbase debit 13:53 card is only available from Coinbase. So 13:55 there's no debit card equivalent on 13:58 River, which means if somebody has 13:60 Bitcoin on River, there's no good way to 14:02 spend that Bitcoin other than to 14:04 liquidate it to US dollars. And then you 14:07 can spend it, you know, you can push 14:08 that money over to a debit card or a 14:10 credit card, or you can buy everything 14:11 with a credit card and pay it off with 14:14 your river account, but that's just not 14:16 the same as actually spending Bitcoin on 14:19 everything you buy, which is what I do. 14:21 So, uh, so my sort of my world is made 14:25 up of retirement accounts on Fidelity. 14:28 Um, lots of different bit keys, 14:31 geographically distributed, super hard 14:33 to get to, super secure, time locks, you 14:36 know, dogs, armed guards, uh, you know, 14:39 all the crazy stuff that crazy people 14:40 like me do. Um, so my, you know, sort of 14:43 secure long-term storage of Bitcoin is, 14:46 uh, very hard for me to get to, and 14:48 that's on purpose because it makes it 14:49 hard for anybody, uh, including me, to 14:52 get to my long-term storage Bitcoin. And 14:55 then on sort of day-to-day usage, I 14:58 almost always use Coinbase Advance for 14:60 buying and selling. And then River for 15:02 anything that involves uh business 15:04 accounts just because it's so much 15:06 easier to use for business accounts than 15:09 Coinbase and it's so much easier to set 15:10 up a business account on River as 15:12 compared to Coinbase. Uh same for 15:14 nonprofits. Uh so anyway, so that's 15:16 that's the the sort of the hard part of 15:19 the equation is people who are new 15:21 because I want to on-ramp them onto 15:23 Coinbase. Uh so they can use the 15:25 Coinbase debit card if they want to or 15:27 even if they only buy one cup of coffee 15:29 with it, they can see what it's like to 15:30 buy anything in the world with Bitcoin 15:32 and they can see how it's instantly 15:34 converted from Bitcoin to US dollars or 15:37 whatever the local currency is. I think 15:39 that whole process of seeing how 15:41 powerful it is to buy stuff with Bitcoin 15:44 uh is just really powerful and the 15:46 Coinbase is the only place you can get 15:47 that experience. Uh the problem is it's 15:49 a lot harder to onboard people to 15:51 Coinbase uh because you can't send them 15:54 like River has the concept of a river 15:55 link which is I can just say hey here's 15:57 $50 free Bitcoin. I send them a river 15:60 link they create an account or redeem 16:01 it. It's easy. uh Coinbase, it's much 16:03 more difficult to do that because um 16:06 there's a glitch that they are in the 16:07 process of fixing uh for the last year 16:09 now, but it's still not fixed that if I 16:11 send Bitcoin to an email address or a 16:13 phone number of someone who does not 16:15 already have a Coinbase account, uh the 16:17 a money ends up in limbo. So, if I um if 16:20 they go and create an account with the 16:22 link from Coinbase, often times they do 16:25 not actually receive the $50 of Bitcoin 16:27 and I have to resend it. and then after 16:29 I rescend it, then in the next day or 16:31 two, it the first send will magically 16:33 show up out of the blue. So, it's a 16:35 glitch. It's a known issue. Coinbase has 16:37 been uh had it in the queue to fix that 16:40 for uh months now, but it has not been 16:43 fixed yet, which makes it hard to give 16:45 Bitcoin to people, you know, that are 16:47 brand new, starting from scratch to 16:49 create an account. You really have to 16:51 jump through a lot of extra hoops of 16:52 getting them to set up a Coinbase 16:54 account before you send it to them. and 16:56 you can't send them Bitcoin until they 16:57 do ID verification, which involves, you 16:60 know, the driver's license and 17:01 everything and it's a fiveminute wait 17:02 and all this sort of stuff. So, River 17:04 lets you bypass all that. You can just 17:05 send anybody Bitcoin with a River link, 17:08 which is just super elegant and 17:09 straightforward. So, usually if I'm 17:11 giving somebody Bitcoin for the first 17:13 time, I just send them a River Link 17:15 because it's so much easier than the 17:17 Coinbase process until uh Coinbase fixes 17:20 their process at which point uh it will 17:22 be equally easy to do on Coinbase or 17:25 River. So, anyway, so that that's quick 17:27 rundown. If what you really value is the 17:29 Coinbase debit card, uh, and you 17:31 anticipate having at least tens of 17:33 thousands of dollars of Bitcoin or 17:35 hundreds of thousands of dollars of 17:36 Bitcoin and using the Coinbase debit 17:39 card for all your expenses, then the one 17:41 and only place you can do that is on 17:42 Coinbase because it is the Coinbase 17:44 debit card and none of the other 17:46 providers have something equivalent. If 17:48 what you value is an easy on-ramp 17:51 experience, a simple interface, low fees 17:54 even for small purchases, and just 17:56 everything pretty elegant and 17:58 straightforward, River is a much easier 18:01 and more elegant place to start, and 18:02 that you will not get bombarded every 18:05 second or every minute or every day by 18:08 alerts on how you should buy this coin 18:10 or the PP coin or the Dog Whiff hat coin 18:13 or the Trump coin or the Melania coin or 18:15 there's just a gazillion, you know, 18:17 You don't want to be getting all these 18:19 prompts all day long for random tokens 18:20 that are ultimately going to be 18:21 worthless uh that there's no reason to 18:24 own any of those anyway. So, River is 18:26 Bitcoin only. They don't bombard you 18:28 with all that stuff. Um so, what what 18:32 would my perfect uh cryptocurrency 18:34 exchange be? In my perfect world, there 18:37 would be a which does not exist right 18:39 now, there would be a cryptocurrency 18:41 exchange that's basically like River in 18:44 that it's Bitcoin only, but it would 18:47 have a debit card and bill pay and 18:50 direct integration with Bitkey. Uh, so 18:53 if that existed, it would really be the 18:54 panacea of cryptocurrency exchanges. 18:57 just somewhere with nice low fees, a 18:59 direct integration with Bit Key and uh a 19:03 debit card to spend it if you wanted to 19:05 do that and uh all of that. But that 19:08 doesn't exist. If you want the debit 19:09 card and the lowest possible fees, you 19:12 got to use Coinbase Advanced. If you 19:14 want the uh easy user experience, 19:17 Bitcoin only, super straightforward, 19:19 elegant, um that's River, but again, you 19:22 don't get the you don't get the debit 19:23 card over there. Now, you can buy 19:24 everything like Jack Mers does, uh, or 19:27 Malers. I guess it's Mers because it's 19:29 an A. Jack Morers. Uh, Jack Morers, the 19:32 CEO of Strike, buys everything on with a 19:35 credit card and then just uses the bill 19:37 pay feature of Strike to pay off the 19:40 credit card at the end of every month, 19:42 which also works great, I presume. I've 19:44 never done that, but I presume it works 19:45 great. Um, but it's not the same as 19:47 using actual Bitcoin to buy everything. 19:49 You're basically just paying off with 19:52 Bitcoin, you know. uh bill at the end of 19:54 the month, which is just it's a 19:55 different experience than buying 19:58 everything with Bitcoin and seeing what 19:60 the actual experience is of actually 20:02 spending Bitcoin on everything that 20:03 Visa, you know, everywhere that Visa's 20:05 accepted in the world spending uh actual 20:08 Bitcoin. Now, it'll get a little bit 20:10 better because later this year, River 20:12 and I think River and Coinbase uh are 20:15 both rolling out bill pay. I expect this 20:18 is, you know, sort of the rumor on the 20:19 internet is that hopefully both of them 20:22 will end up with bit uh bill pay at some 20:24 point this year. And uh but I don't 20:26 expect anybody other than Coinbase to 20:29 have a Coinbase or to have a debit card 20:31 that actually lets you spend Bitcoin. Uh 20:33 I know that's not in the works or I'm 20:36 I'm pretty sure that's not in the works 20:39 at anywhere other than Coinbase. And 20:40 obviously Coinbase already has it. So 20:42 hopefully all that helps. Again, my 20:45 Bitcoin ecosystem is made up of 20:47 Coinbase, River, Bitkey, and Fidelity. 20:51 And those are the four services I 20:52 recommend. Coinbase or River for 20:55 somebody, you know, sort of individual 20:57 use of Bitcoin. Um, River for, you know, 21:02 small and medium businesses and 21:03 nonprofits. Bitkey for self- storage, 21:07 cold storage of Bitcoin anywhere. You 21:09 can use Bit Key for a business account. 21:11 You can use it for individual. So you 21:13 can really use BitKey for anything. Um 21:15 and then uh Fidelity for retirement 21:18 accounts just because the tax advantage 21:21 nature of retirement accounts means they 21:23 are more complicated to set up and 21:24 maintain and make sure everything's 21:26 right than other accounts which is why I 21:30 use Fidelity instead of just 21:31 self-custody uh retirement account 21:33 because that currently is more 21:35 difficult. Although hopefully one day 21:37 self-custody of retirement accounts will 21:39 be as simple as Bit Key. And when that 21:41 day arrives, I will absolutely 21:43 positively move my retirement Bitcoin 21:46 into self-custody. I just have not done 21:49 that because it uh there's nothing as 21:51 elegant as Bitkey for retirement 21:54 accounts yet. So hopefully that uh sort 21:56 of overview of ecosystems is helpful. 21:59 Love to help you in your Bitcoin 22:01 journey. in there if there's any way I 22:02 can on any front. I'm always here to 22:04 serve and love answering questions. So, 22:06 message me any questions you got. And uh 22:09 I'm happy to weigh in on screenshots of 22:12 error messages or communication you got 22:15 that you're not sure if it's legit or 22:17 questions you have. Literally anything 22:19 you could possibly need on your Bitcoin 22:21 journey, please message me and I am here 22:24 to serve. Have a great night everyone. 22:25 Thanks.