Navigating the Crypto-AI Revolution: MRC's IEO Success, Regulatory Clarity, and the Launch of a Quantified Philanthropic Fund
Good evening to all the future investors of Diamond Ridge Financial Academy!
I’m Charles Hanover. I’m really glad to be walking alongside you at this historic moment when the global financial system is being deeply reevaluated, and policies are shifting together with capital flows. Traditional assets are hitting their limits, and AI and crypto assets are quickly becoming the next stop for global capital. As macro trends and tech shifts come together, we’re not only seeing MRC finish its IEO and clearer crypto policies taking shape but also living through a major reset in how investing works.
Tonight, we’ll start with market trends, break down the main logic behind the recent pullback, go over the final window to grab MRC tokens before listing and talk about the launch timing of our “quantitative charity fund” as we kick off the next stage of our joint strategy.
The UK stock market bounced back strongly this morning, but deeper structural worries are still there. The FTSE 100 opened higher, mostly because big pharma stocks went up on technical moves, but sectors like gold mining, real estate and media stayed under pressure. Future PLC cut its full-year revenue forecast, and its stock plunged, showing that B2C industries like ads and insurance are still weak. Land Securities hit record highs in rent and occupancy, but the market didn’t care. Its stock dropped, showing investors still have doubts about real estate. With earnings outlooks getting worse in real estate, media and flexible office spaces, there might be short-term rebounds, but the overall UK stock outlook is still bearish.
US stocks moved into correction mode today. The market felt a bit better about the trade situation for now, but companies like Walmart are already warning about higher costs from tariffs, so inflation pressure isn’t gone. Even though the PPI came in softer than expected, import prices started rising again, hinting that imported inflation could be coming back. At the same time, the Fed and local officials keep saying they’ll hold interest rates high for longer, crushing hopes for easier policies. The dollar keeps getting weaker as investors worry about out-of-control US deficits and flip-flopping policies. Overall, US stocks don’t have strong fundamentals to keep going up, and the risk is still leaning toward the downside.
Compared to the stock market, the crypto market has been way more volatile lately. Especially with BTC, after four straight weeks of big gains, it’s now getting close to its all-time high, so we’re seeing some technical pullback. But to be more accurate, it’s actually building up strength to break that record. ETH has been even more aggressive, up over 70% in the past four weeks, and now it’s moving sideways around the key $2.8K resistance level. This kind of dip doesn’t mean the trend is weakening. It’s more like a natural reset in a strong rally.
But no matter how bumpy the short-term moves get, we’re still bullish on crypto and other digital assets for the long run. Just like we said yesterday, after a small technical pullback, the market bounced right back today. BTC climbed back to around $104K, showing that big players are still buying at key levels. Structurally, this run isn’t over yet. ETH is expected to reach $2.8K; it’ll likely kick off a whole new wave of strong gains.
It’s important to point out that the recent strength in the crypto market isn’t just random. It’s being driven by policy expectations and a big shakeup in the global financial system. Especially on Monday, the SEC’s crypto roundtable gave this rally a big boost from the regulatory side. The meeting focused on “asset tokenisation” and the merging of traditional finance (TradFi) and decentralised finance (DeFi), clearly stating that tokenisation will be the base for Capital Markets 2.0.
SEC Chair Paul Atskin said in his speech that just like audio moved from vinyl to digital, the securities market will move fully on-chain. That comparison was catchy but also really deep. He highlighted that the biggest value of on-chain securities is automation and liquidity, turning assets that are hard to trade into Tokens with real market value. That opens the door for new ways to raise money and issue assets. In other words, crypto won’t just be a speculative product anymore; it’ll become the new way to move value and record ownership in the global capital market.
At the same time, Congress is also pushing forward on key legislation. The stablecoin regulation bill called the GENIUS Act, is becoming a shared priority. It backs stablecoins 1:1 with US dollars and Treasuries and aims to set up a federal oversight framework. This week, Coinbase CEO Brian Armstrong had a public talk with Senators Gillibrand and Lummis to go over the bill’s details and how it might affect the market. Gillibrand said the Senate will likely vote on it before Memorial Day. Once passed, it’ll give dollar stablecoins legal clarity and let big financial players finally step in with rules to follow.
The bill also made changes to hot topics like ethics, bankruptcy, and consumer protection. It even removed the Dems’ earlier attempt to limit crypto dealings tied to the Trump family, helping the two parties reach common ground. You could say this bill is the first time the federal government is seriously building a clear policy for crypto assets, and it’s set to become the backbone of future digital finance regulations.
These policy moves not only cleared up the long-standing “regulatory grey area” that’s been bothering the market, but they also sent a clear message: the US government is shifting from “watching” to “leading.” That’s the real reason behind the return of confidence and the steady inflow of money into crypto. With traditional markets looking expensive and policy tools running out, capital is now looking for new places with real long-term growth potential. And crypto-assets built on AI and blockchain just happen to hit that sweet spot, combining tech momentum, policy shifts and focused capital all at once.
When we take a deeper look at policy changes and the structure of the whole financial system, we can see another major shift happening that’s totally reshaping the line between traditional finance and crypto.
Take the US 10-year Treasury yield, for example. It’s always been a key indicator for global capital flows. Since the start of 2025, this yield has been swinging noticeably, staying around the 4.37%-4.39% range as of May 15. This number doesn’t just affect bonds and stocks. It also plays a direct role in how the crypto market gauges risk and decides on capital allocation.
For crypto investors, tracking Treasury yield changes isn’t just like checking the “weather forecast” for the economy. It’s more like watching a “leverage signal” for making asset decisions. For example, if you’re thinking about staking ETH or lending out your USDC for some yield, the direction of Treasury yields could be a key factor in whether you add to your position.
Traditional “risk-free” assets become more attractive when yields go up and investors lean toward safer moves. That usually lowers risk appetite in the crypto short term and increases volatility. In that case, stablecoins or on-chain bond-like assets might be smarter picks. But when yields drop, capital starts chasing higher returns, and crypto becomes a prime choice for fresh inflows, sometimes even the main target for new capital.
What’s even more interesting is that with tokenised finance growing fast, Treasury yields aren’t just something for traditional investors to watch; they’re also becoming key anchor points for on-chain asset prices. One of the biggest innovations in 2025 is the rapid rise of “tokenised US Treasuries.” According to RWA.xyz, as of early May, the total value of tokenised Treasuries on-chain has passed $6.5B, with an average yield of 4.13%. That means even on-chain, you can now earn stable returns similar to bonds without giving up programmability, liquidity or composability.
This kind of RWA (real-world asset) boom is making the crypto ecosystem feel a lot more “real”, and it’s seriously blurring the lines between TradFi and DeFi. Investors no longer have to choose between “traditional safety” and “on-chain innovation.” With assets like tokenised Treasuries, they can have both yield and freedom. Even more importantly, regulators are starting to recognise this kind of asset as legit. And it’s very likely that this will lay the foundation for how stablecoin yields get shared in the future. Once rules start allowing interest to be passed on, stablecoin holders could actually earn yield from the reserves backing those tokens instead of just holding them for price stability. That setup would create a much more logical and sustainable incentive model and might even become the next big DeFi wealth engine after yield farming.
Looking at it structurally, this isn’t just a small change in asset type; it’s a full-on reshaping of how society coordinates financially. Not long ago, bonds were all about sovereign credit and were a key pillar of traditional finance. But now, thanks to blockchain tech, they’re being rewrapped and mapped on-chain as programmable, tradable, breakable and composable assets. These assets now pay out interest automatically through smart contracts, operate under global governance with on-chain identity systems and build a “digital finance superlayer” that crosses borders and money systems through open protocols. In other words, tokenised Treasuries aren’t just a way to earn on-chain; they’re becoming the base layer for a future global “digital central bank” system.
In this major shake-up of the financial system, all projects built around “on-chain asset governance” and “AI-driven value creation” naturally have strong policy compatibility and major capital appeal. In other words, when it comes to growth potential and room to gain, the AI + crypto track is clearly becoming the biggest trend being pushed by both policy and capital. And in this new wave, MRC stands out as the most representative project of the “AI + on-chain collaboration” model. Its progress and market performance are already leading the pack. Right now, all 160M tokens in MRC’s IEO Phase 1 have been fully subscribed, and it’s officially set to get listed next week. We expect MRC’s listing to not only spark a major hype wave in the market, but also trigger strong movements across the whole AI crypto sector.
We can already see that as MRC starts trading, other AI-related tokens with similar collaboration mechanisms—like SOL and AQS—will also catch the attention of new capital. AQS especially stands out, as it’s structurally linked with MRC on the strategy layer and has already activated its compute power incentive module. Once MRC drives the market higher, AQS is likely to receive a big price revaluation from investors. Based on the current token structure and trend momentum, we estimate that AQS will test our $7 profit target next week. That means our earlier “Whale Plan” strategy is about to reach a successful close. During this phase, we’ll keep you updated and guide you to trim positions in batches as needed, locking in profits while getting ready for our next round of deeper mid-term positioning.
At its core, investing is about understanding the trend and timing your moves. In the short term, strong rallies driven by policy tailwinds often come with some short-term sell pressure. Especially after MRC goes live, the market might see some emotional shifts and high-level profit-taking—that’s a normal part of cleaning up the token structure. So our strategy will stick to rotating high and low: trimming some positions when prices peak to lock in profits, and then buying the dips during pullbacks. But no matter how the rhythm shifts, our core setup stays the same—and that’s the “AI + crypto” track. That’s not just where global capital is flowing now, it’s also where long-term value will be built over the next three to five years.
Right now, I can say without exaggeration: MRC’s listing is just a symbolic starting point. It’s not only going to open up new ideas for how AI bots and blockchain can work together, but more importantly, it’ll set a new base standard for the whole AI industry—covering data sharing, compute incentives, and value rights. Just imagine: in the future, every AI project generating content, training models, or delivering services might use MRC as the middle layer to transfer value. That means MRC won’t just affect a few token prices—it has the potential to become the “settlement engine” and “value hub” of tomorrow’s AI coordination network.
Based on this outlook, we’re now building a brand-new platform: a “Global High-End Investment Club” that’s built on AI + crypto, powered by global capital, and guided by a charitable vision. This club will focus on three core systems—sharing tech, co-building strategies, and redistributing gains. In the future, we’ll use the platform’s resources to support more AI projects with real-world use cases, while bringing in capital partners from around the world to help build new connections between artificial intelligence and the public good.
That’s why next month, we’ll officially launch the “Quantitative Charity Fund” and we’ll hold our first charity fund dinner in early next month.
That’s why I also want to give everyone an early heads-up about this charity fund dinner. If you're interested, please reach out to our assistant to sign up in advance. This dinner isn’t just a celebration of what we’ve achieved so far—it’s also a powerful moment for deeper ecosystem connection. We’ll be inviting top guests from both the crypto world and the AI industry, including several billion-dollar project founders and fund partners. They’ll be sharing their views on the key investment themes for the next five years and will be meeting with everyone face to face to explore potential collaborations. Also, during the dinner, we’ll be doing an internal pre-sale for the “Quantitative Charity Fund”. This round will be limited to members of the Business Academy only. We hope you’ll get involved—this is a chance not only to share in the returns but also to contribute to the cause of tech-driven public good.
At the end of the day, everything we’re doing—from MRC to the bigger AI strategy, from our investment playbook to the charity fund—points to one goal: we’re not just here to ride the wave of this era, we’re here to help shape the value system behind it. I truly believe the most sustainable kind of investing is when personal wealth growth is tied together with tech progress and social collaboration. Tech is the biggest driving force of our time, and every one of you is at the heart of it. Let’s keep moving forward together and build a future of capital that has long-term structural gains and also has warmth and trust.
That’s it for tonight’s talk. In this session, we looked back at the recent structural moves in the crypto market, broke down the big-picture logic behind the AI + blockchain combo, and did a deep dive into MRC’s pre-listing strategy window and how the charity fund is being rolled out. From policy signals to capital flows, from token mechanics to portfolio structure, we’ve now built a solid foundation of understanding and strategy to get ready for the next big market wave.
Next week, we’ll follow the trend and push forward investment opportunities in the “AI + crypto” space from three main angles. First, keep building core AI on-chain positions during dips to set up the base. Second, sync with the charity fund launch pace to run multi-account strategies and drive synergy. Third, step up platform integration and prepare for the launch of our global charity network. Let’s use the Business Academy as our base of shared insight and leverage our joint strategies as the force to act. In this unstoppable wave of the smart economy, we can level up our collective value and make our mission real.
This is a once-in-a-generation opportunity—and this is our generation’s answer. May we move in sync, honour the gift of our time, and stay true to the trust we’ve built together.