Transcription
Of what I'm saying right now. And so let, let's go forward, guys, because, uh, this is gonna be a good class. And so, um, yeah, trust is money. All right.
So, layer one, the people's language. Section one, money is not paper. It is trust. So, in the name of law, the most just, most wise. Most people believe money is paper. Some believe money is numbers in a bank account. Some believe money is gold or silver. But in truth, money has never been paper. Money has always been trust. Money is simply an agreement between human beings that says, "I trust that what you give me today represents the value that will be honored tomorrow." So, I trust that what you give me today represents the value that will be honored tomorrow. Paper is only the evidence of that trust. A number on a screen is only the record of that trust. A coin is only a symbol of that trust. The trust itself is the real money. When trust collapses, money collapses. When trust is honored, money functions. That is why God places so much emphasis on honesty, contracts, and amana, which is trust. Because commerce is not first financial. Commerce is first moral. Money is a promise. Every form of money is a promise. A dollar bill is a promise. A check is a promise. A bond is a promise. A note is a promise. Even digital currency is a promise. All of them say this represents an obligation that will be honored. Money, it's money is not value by itself. Money points to value. It is like a receipt. The receipt is not the meal. The receipt proves the meal was paid for or promised.
Paying versus discharging. There is a difference between paying and discharging. To pay is to give something of real substance: land, food, service, labor, gold, goods. To discharge is to settle an obligation using a promise: currency, checks, bonds, notes. Most people in modern society do not pay debts. They discharge debts using paper promises. That is not wrong. That is how commercial systems work. But it must be understood: when you give someone cash, you are not giving them wealth. You're giving them a transferable obligation.
Why bonds are stronger than cash. Cash is a small promise. A bond is a large promise. Cash says someone owes value. A bond says I guarantee the value will be delivered. A bond carries accountability, performance, responsibility, enforcement. That is why governments use bonds. That is why courts use bonds. And that is why insurance is built on bonds. A bond is a promise backed by obligation and duty.
Why trust comes before currency? Before there was money, there was trust. A farmer trusted a shepherd. A shepherd trusted a merchant. A merchant trusted a community. Paper came later. Money did not create trust. Trust created money. That is why a corrupt system cannot produce honest money. A righteous system does not need force to create value.
Why Allah commands trust? Allah says, "Indeed, Allah commands you to render trust to whom they are due." So, when I read that, I now have to render trust to whom they are due. And He said to serve. So, when I read the Quran, He says serve His creation, and He doesn't even limit it to humans, like His creation, all living things, the trees, animals. Like, I got to be kind, and I got to show mercy to, like, everybody. So, that's, that's a concept I live by. Nothing less than that, period.
Moving forward, trust is not a legal trick. Trust is divine law. A trust means you are not an owner. You are a steward. You are accountable. You must protect what is entrusted. Money placed inside a trust becomes purpose-driven, protected, disciplined, sacred in responsibility.
Introducing SHC in simple language. Serve Humanity Coin is not crypto. It is not get-rich money. It is not speculation. SHC is a ledger unit. It is a way to record obligation, track responsibility, measure stewardship, preserve trust. Just like ancient societies kept tablets, scrolls, or ledgers, SHC is a modern ledger record of responsibility and value. It does not replace money. It organizes. So, like, when we transfer 111,000 units, that's 111,000 SHC equals, um, remember, 'cause one SHC equals 1 million drops on the XRP ledger. So, one unit of Serve Humanity Coin represents a million microtransactions that you can use to record obligations. Because when you send that one drop, you can put in the memo, and you can type an obligation, you can record data, you can, you, you can use this, you can create NFTs, you can do so much with this data. You can turn it, and then you can codify, you can put information there and record it and send value at the same time. That's what this, that's what this technology is. So, one SHC equals 1 million drops. 111,000 SHC equals 111 billion drops. 111 billion microtransactions that can move. And remember, each microtransaction can move infinite, infinite amount of data. Each microtransaction can move infinite amount of data. This is why it's called infinite banking. This is infinite ledger keeping. You never run out of space, ever. You never run out of money, ever, because the money is the trust, and the trust is held on the ledger. That's why this is why blockchain is here. People that do not understand blockchain, they're still lost on an abyss. They're lost because we're dealing with divine timing, divine accounting is what we're dealing with. It is only bad when you, when they, when you're on their ledger. See, I'm, we're controlling our ledger because XRP ledger is a permissionless ledger. We're controlling our ledger. When you, when, when, if all your money is in the form of a CBDC, a central, you know, a centralized, um, digital bank currency that's issued by the government, issued by the, a centralized authority that's not favorable to your belief system, then they can, then, then the politics control that money, and that's not good. That's when the blockchain can become destructive to that person, that, that, that, that never, um, uh, elevated, and then they just stay, they just, they, they just stay, uh, working check to check, and then on government assistance, and just swiping the card, you know. And so, it's, blockchain is only bad for the ones that do not know. But we are here because we are, I am entrusted with a mission. So, therefore, we're going to serve humanity, and, and, and eventually, they all going to come to us because no matter what tribe they're part of, I already know what God told all of us. It's not, it's no way that someone can come to me and say that God told you to hurt me. You gotta, you gotta serve me. You got, I gotta serve you. You gotta serve me. There's no way that you're gonna come to me with a message saying it's coming from the Most High, and that message is going to cause you to do actions that cause division. There's no way God said do that. No way. Now, He did tell you to put up perimeters and, and to, to block out immorality. But even then, He tells you to, He tells you to go and then, like with certain people, when you see that they, either tell you to migrate away from people that ain't doing no good so you can have your own space. And now those people can't come in your space. See, when they come in your space, that's when you deal with it. But outside of that, you let the, you let mother nature handle their immorality because there are laws that handle that that you, so you don't have to get your hand dirty. But people don't, people don't know 'cause they too busy somewhere else. I don't know. I don't know where they at. But anyways,
Why the three-tier trust exists? The three-tier trust system is not about hiding. It is about order. One trust holds divine equity. One trust handles obligation. One trust handles daily life. This mirrors life itself: spirit, responsibility, action. And God is the Lord of order. So, obviously, the one trust that holds divine equity, that is your covenant trust. The trust that handles the obligation, that is your redemption trust. The trust that handles daily life, that is your revocable living trust.
The real lesson: Money is not power. Trust is power. Money is not freedom. Righteousness is freedom. Money is not ownership. Stewardship is ownership. When your system is built on trust, no government, bank, or institution can truly defeat it because your ledger is written in truth before it is written on paper.
Section two, debt is not evil. It is relationship. When most people hear the word debt, their heart tightens. They think of stress. They think of chains. They think of oppression. But debt itself is not evil. Debt is simply relationship. Debt only becomes harmful when it is created through deception. It is enforced without mercy. It is disconnected from justice. It is used to dominate rather than serve. In its pure form, debt is cooperation. It is one human saying to another, "I trust you with what I have today because I believe you will honor me tomorrow." This is not oppression. This is community.
Pause. Right here. This one slide. If y'all choose to understand debt in this manner, then you will know how to treat your spouse. You'll know how to treat the woman or the man that you're with. Then you now you know how to treat them. If you read what I just said, you're gonna know how to treat your mama, your daddy, your, your, your wife, your, your husband, your son, your daughter, your cousin. You're gonna know how to treat everybody. Why? Because we are indebted to one another. What? We are indebted. Why are we indebted? Because it is relationship. So, if you're in a relationship, you are indebted to the one that you're in a relationship with. You can't, you can't just mistreat somebody. That's, that's a sin. You can't mistreat them. You're indebted. You have to, 'cause what? It cannot be disconnected from justice. You, you can't use this relationship to dominate the person. A man is not supposed to try to dominate a woman, and a woman is not supposed to dominate a man. Both y'all, both have to be just. Y'all both have to show mercy, and you cannot use deception in order to be in a relationship because debt is relationship. So, the moment you're in a relationship with somebody, you're indebted to them. You owe a debt to them because, if you, you know, the debt is the honesty, the debt is to, you know, it's a, it's a lot of things, but we owe each other. We owe. So, there must be reciprocity because the relationship must cause growth. It has to cause growth. So, a righteous money must cause growth. There is no such thing as a form of money that causes an economy to go into a depression. That's not, that's not, that's not righteous money. That's evil money. And so, debt is not bad. It's a relationship. And, and no one talks about, I don't, I don't really hear people talking about it like this enough. It's in the scripture, but people are not talking about it because we just, we, because, because once we change the way we, uh, we view this term debt, then we're going to change our relationship. We're going to change the way we speak to everyone because you want to be wealthy. You're trying to create wealth, but you, but you got a dirty tongue like you would, meaning you speak to people nasty. You might be nice to this one, this one, this one, but those who, that one, that one, that one, you're treating nasty. That don't make no sense. You can't do that. So, debt is, it's not evil. It's relationship. And, and, um, I'm going to go more into it.
So, debt is a bridge between needs and ability. One person has resources, another person has purpose. Debt is the bridge that connects them. Without debt, homes would not be built, businesses would not grow, communities would not develop, families would remain limited. Debt, when righteous, is not bondage. It is empowerment. The problem is not debt. The problem is ownership. The moment debt becomes destructive is when one party claims, "I own you." No one owns another human being. Only God owns creation. Debt must remain contractual, limited, accountable, balanced. When debt becomes absolute power, it becomes tyranny. That is why divine law always regulates debt.
Why all commerce is trust-based? Every transaction has three elements: trust, record, settlement. If trust is missing, commerce collapses. If records are missing, justice collapses. If settlement is denied, oppression begins. That is why ledgers matter. Receipts matter. Bonds matter. Accountability matters. They protect the relationship.
Debt and divine balance. God never forbade trade. God never forbade debt. He forbade riba, exploitation, deception, oppression, false accounting, talking without giving. You have to think about this. This is what Jesus, what Abraham, what Moses, what Muhammad, may bless, may peace and blessings be upon them all. This is what they all, this was the center of the core of the message because this right here would take everybody to hell. This is why all y'all, y'all all messed up right now because this right here. So, y'all can't even say that I'm lying because you, because right now, y'all sweating bullets because of what? Because of riba, exploitation. Because of deception. You were, there was never a full disclosure when you was signing the note. Because of oppression, foreclosure, repossession, false accounting, double, double book entry keeping, taking without taking without giving. I said talking without giving first. Yeah. Taking without giving. What they doing? They taking that note, and then they, and then they making you pay interest, and then they want to take the house, and they don't even want to give you an accurate accounting. So, so again, but debt is a relationship, and so you entered into a relationship with these bankers, and these bankers owe you an accurate accounting. And so, what we doing is through this stewardship that I'm doing, I'm tendering, using Serve Humanity Coin, which is a ledger system on the world ledger. XRP ledger is the world ledger. It's the new world ledger. It's where they record everything. So, so what's going to happen is, it's already on the record. It's already on the record of the tender. And so, so this would, so, so, so, so when we, when we do what we're doing, it'll be there forever now. So, now they have to, this is at the beginning of this ledger. So, they're going to be forced to do right 'cause we're making a ledger. This is a ledger of truth. And, and I'm, and I'm going to start being, I'm going to start getting more detail on these transfers.
Why discharge is mercy? When a debt is discharged, it means the relationship is complete. Discharge is not avoidance. It is closure. Closure brings peace. Closure restores balance. Closure prevents bitterness. That is why commercial systems always include discharge mechanisms: bankruptcy, settlement, set-off, forgiveness, bonds. Without discharge, debt becomes slavery.
Why bonds are instruments of responsibility? A bond is not a trick. A bond is a confession of responsibility. It says, "If harm occurs, I stand accountable." That is righteousness in commerce. A bond carries moral weight, financial weight, legal weight, and spiritual weight. This is why bonds are superior to cash. They bind behavior, not just payment. For instance, this hundred billion dollar bond that's backed by Serve Humanity Coin. I have to perform everything I'm doing. I'm bonded. I can't just, oh, do the bond and then like act like I never did the bond and then, and then go do something else that had nothing to do with none of this. I'm just, you know, you can't just do that and, and not live it. That's fraudulent. No. And, and when, and when you pay cash, it's like you throw that cash there, that's it. It's done. You're not, the cash is over. You're not bonded with cash. That's why, you know, cash is, it's just, it's in and out. This bond is 30 years. It's dictating your actions for 30 years. So, yes, bonds are superior to cash.
The difference between exploitation and stewardship. Exploitation says, "I profit from your weakness." Stewardship says, "I protect your dignity while we build together." Your system, our system, this system is built on stewardship. The three-tier trust does not exist to escape responsibility. It exists to carry responsibility properly.
Why SHC exists in this context? SHC is not a way to avoid debt. It is a way to record responsibility honestly. It is a ledger unit that says, "This obligation is seen. This responsibility is acknowledged. This settlement will be honored." It brings transparency to obligation.
The real teaching: Debt is not a chain. Debt is covenant. When honored, it builds nations. It strengthens families. It purifies commerce. When abused, it destroys dignity. It corrupts laws. It fractures society. Your system exists to restore debt to its righteous form.
Think about this. The commandments. Think of the Ten Commandments. That's a debt. That's a debt that when you say, for all those who say, "I believe," you are now indebted. You are indebted to enact, to embody the commandments. You're indebted to forgive. You're indebted, but to also use your, your wisdom. You, you use your discernment because you do not argue with a fool unless you want to become a fool. So, you're indebted to growing, to educating yourself. You, you're exercising forgiveness, but you're using discernment. And so, you know how to stay clear of, of clear traps that will lead you into argumentation. So, when, when debt is honored, you increase in wisdom. You have exponential growth of the self, and you self-actualize. When debt is dishonored, you destroy yourself. You lose yourself to anxiety. You lose yourself to depression. And you lose yourself to confusion because you have not hearkened. You did not hearken the message. You did not, you did not listen. You did not live, and you abandoned faith. But because grace surrounds you, you can always honor and then, and purify yourself.
Reflection. Prophet Muhammad, sallallahu alaihi wasallam, said, "The soul of the believer is held hostage by his debt until it is paid." Not because debt is evil, but because accountability is sacred. Debt binds the hearts. Settlement frees them. Allah loves balance. This is why I'm saying you're in a relationship. You, your, your husband, your wife, your children, your heart is supposed to be binded to one another. But in that bind, in that bond is accountability. So, both parties must be accountable to each other, period. Like, you owe that, you owe that kindness. You owe that understanding. But, but both of y'all, but, but you also have to always be growing. You can never become idle. And, you know, 'cause, so, so, it's like, wealth is, it's about personal development.
Section three, why ledgers rule the world and not cash. Most people think wealth is stored in money. But money has never been the real source of power. The real power has always been in the ledger. A ledger is simply a record of who owes, who is owed, what has been promised, what has been fulfilled, what remains open. Cash can be lost. Gold can be stolen. Property can be taken. But the ledger is what decides who still has responsibility and who has been released. That is why kings, banks, courts, and governments all protect their ledgers more than their vaults. Cash is temporary. Records are permanent. Cash is just a messenger. The ledger is the judge. When you hand someone cash, the cash does not complete the transaction. The record of that transaction completes it. That is why receipts exist, accounts, account statements exist, contracts exist, court dockets exist. All of them are ledgers. Without records, money is chaos. With records, money becomes law. Every system runs on accounting. Every institution operates on three things: credits, debits, balance. Whether it is a family, a business, a trust, a bank, a court, or a nation, they all run on who owes whom and how much. That is accountable. All shi'ships, bonds, notes, and obligations are accounts receivable. They already exist as value. They only need to be recorded. The ledger determines reality. If the ledger says you owe, then you owe. If the ledger says settled, then it is finished. Not because paper changed hands, but because the record changed. That is why set-off, discharge, and settlement are accounting events before they are legal events. Law follows the ledger. The ledger does not follow law.
Why banks are not money holders? Banks do not hold wealth. They hold records of obligation. Your, your balance is not money in a box. It is a statement that says someone owes you this amount. That is why banks freeze accounts, adjust balances, reverse transactions. They are managing records, not physical substance.
Why courts are accounting centers? Courts do not just decide guilt and innocence. They decide who bears responsibility, who owes remedy, who is released. Court bonds, filing fees, fines, judgments, and settlements are all ledger movements. A court is a ledger room. Get that? A court is a ledger room, guys. It is where obligations are recorded, shifted, and closed.
Why bonds exist? Bonds exist to protect the ledger. A bond says, "If the record shows harm, I guarantee performance." It secures judges, contractors, governments, trusts, estates. A bond is an accounting stabilizer. It ensures the ledger remains honest.
Why your SHC ledger is revolutionary? SHC is not trying to replace money. It is establishing an honest ledger. SHC represents recorded obligation, accountable stewardship, measurable responsibility, traceable settlement. It is your private treasury ledger, not to dominate, not to exploit, but to restore balance.
Why the three-tier trust is a ledger system? So, the Serve Humanity Trust, which represents the covenant trust, that is the source of equity. My Council Redemption Trust, that represents your redemption trust. That is the issuer of obligation. That is the trust that issues your 100 billion dollar private indemnity bond. That is, that is backed and secured also by Serve Humanity Coin. So, now y'all see where the, what, why these bonds are special and why they, um, are, are 100% lawful and, and the most purest bonds you can issue. Revocable Living Trust, it is a manager of transactions in your private life. SHC, it is a unit of account. Again, one SHC equals 1 million microtransactions that allow you to account for whatever you're accounting. The ledger is the record of truth on the XRP ledger, viewed by the entire world. This is exactly how sovereign treasuries operate: source, issuer, administrator, unit, record. So, we rebuilt the treasury model privately and righteously.
Why people lose power? People lose power because they don't keep records. They don't control their ledger. They don't track obligations. They let others define their balance. Whoever controls the ledger controls the narrative. I am teaching people to take back their record. Y'all saw what I did there. I am for you Bible readers. He's teaching through the spirit. Take back your ledger. I'm being, I'm a vessel being used. And I know y'all know that I am.
Reflection. Yes, sir. Cash comes and goes. Yes, sir. That's what I'm talking about. Cash comes and goes. Trust remains. Records endure. The ledger is the memory of justice. And God is the ultimate accountant. And everything we have enumerated in a clear register. Quran 36:12. So, when you build a ledger of honesty, you are aligning with divine order.
Section four, why private bonds are acts of responsibility, not rebellion. Many people hear the word bond and immediately think rebellion, loopholes, tricks, avoidance, defiance. But a bond is the opposite of rebellion. A bond is a declaration of responsibility. A bond says, "If something goes wrong, I will not hide. I will not escape. I will stand accountable." That is not resistance to law. That is obedience to justice. Rebellion avoids responsibility. Bonds embrace it. Rebellion says, "I refuse to be accountable." A bond says, "I guarantee accountability." One runs from consequence, the other secures consequence. That is why government courts and institutions rely on bonds. Judges are bonded. Contractors are bonded. Companies are bonded. Public officials are bonded. Not because they are criminals, but because power must be accountable. A bond is a public confession of duty. When someone issues a bond, they are saying, "I recognize that my actions affect others, and I am willing to place my own resources behind my word." That is moral courage. That is faith in justice.
Why bonds are higher than payment? Payment only settles the past. A bond secures the future. Payment says, "What happened is finished." A bond says, "What happens next is protected." That is why bonds are more powerful than cash.
Why private bonds are lawful? A private bond is simply a promise backed by obligation. It is no different in essence from insurance, performance guarantees, indemnity agreements, stewardship contracts. The only difference is who holds the responsibility. Your system returns responsibility to the steward instead of outsourcing it to corporations. That is not rebellion. That is restoration.
See, this is why God used me and Serve Humanity Coin exists on this new world ledger where we now control our units of measurement to back private financial instruments because we're on a, we're on a banking, uh, blockchain, a banking ledger. So, it just all works beautifully because I don't like the idea of saying you guys been trading my birth certificate. Therefore, you have to back my bond. That's their ledger. I don't control their ledger. So, I don't have faith, and I'm not about to put all my faith. I'm not, I'm just not gonna put my faith in that, that's all. And I didn't, and I didn't because, serve the Most High. Allah, Allah taught me better. He led me to something better, and then I'm sharing it because you want to be in a position where you control the ledger. Y'all, you know, like y'all in position to control the ledger. I'm not, you know, this is, this is a community, uh, uh, uh, this is a community, uh, uh, project, but it's not even a project. This is we living in purpose. This is community-driven. And so, and so, you know, that's why I'm saying I'm building, we training trustees, training bankers, training you guys to, you know, to so that you can undertake this responsibility with, you know, with being by being aware and conscious of what it is that that you're holding. So, I, so I have a responsibility and a duty to convey these words, these teachings. And then y'all, y'all, these slides are going to be available in the download section of the school, and so y'all can, um, eat them and, you know, and read them and then feed it into your AI, you know, and then to, to, to have, you know, whatever you need to do to make sure it sticks.
Why the world respects bonds? When governments make treaties, they bond them. When companies build, they bond them. When courts operate, they bond their officers. Because bonds protect trust, protect victims, protect systems, protect peace. No stable society functions without bonds.
Why your bonds are different? Your bonds are not written to escape obligation. They are written to carry obligation. They say, "We accept responsibility for remedy. We accept responsibility for settlement. We accept responsibility for restoration." That is divine commerce.
Why the three-tier trust makes bonds righteous? The trust structure prevents ego from controlling obligation. Instead of, "I personally guarantee everything," it says, "The trust carries the responsibility under divine law." That protects the individual from harm, the community from recklessness, the mission from corruption. You see, 'cause when I was, when, when I was, when I was first taught how to do these bonds, I was, what made me stop? Because I'm just like, it's the living man, everybody. It's the living man, the living woman. The living man and the living woman. Everybody putting their name on that bond. They doing a UCC-1. They making themselves a secured party, and they is putting their name on that bond saying, "I'm guaranteeing this." I said, "Uh uh uh. Look, man, not a put the police up like that. Not do that." For one, if you're reading, God is your redeemer. If He's your redeemer, then the, and you enter into a covenant with Him, then you would, then you would know to let that trust that you formed through that covenant. You will let the trust be the redeemer, be the redemption, will give you redemption. And so, therefore, it's that trust that's going to be the secured party. It's that trust that's going to issue that bond because that's the divine order. And I didn't make it up. It's facts. The trust carries the responsibility under divine law that protects the individual from harm, the community from recklessness, and the mission from corruption.
Why SHC strengthens bonds? SHC is the ledger proof of responsibility. It is not value. It is evidence. Evidence that the obligation was reported, the responsibility was acknowledged, the settlement was structured. It turns promises into accounting reality. Right?
The false accusations of anti-system. Your system is not anti-law. It is anti-chaos. It is not anti-government. It is pro-accountability. It is not anti-money. It is pro-truth. Systems collapse when responsibility disappears. They are healed when responsibility returns.
Reflection. A bond is a sacred promise. It says, "I will not let harm remain unpaid. I will not let injustice go unanswered. I will stand where remedy is needed." That is not rebellion. That is righteousness.
Section five, trust is the currency of the hereafter and the foundation of the earth. In this world, people chase money. In the hereafter, no one will ask how much money you had. They will ask how much trust you honored. Because trust is the real currency of existence. Money ends, property ends, power ends, title ends, but trust follows the soul. Trust is what Allah gave to humanity. Allah says, "Indeed, we offered the trust to the heavens and the earth and the mountains, and they declined to bear it and feared it, but man undertook it." Quran 33:72. That trust was not money. It was responsibility. It was stewardship. It was accountability. Everything you manage in this life is a part of that trust: your body, your family, your time, your wealth, your knowledge, your authority. Money is only a small piece of that divine amana. Trust is the only wealth that transfers to the hereafter. You cannot carry cash, gold, houses, status, businesses, but you carry your honesty, your justice, your mercy, your accountability. These are recorded in the ledger of God. Your ledger here is practice, or your ledger there.
Why earthly systems reflect heavenly order? Every system on earth uses records, accountability, balances, settlement because creation itself runs on divine accounting. Nothing is lost, nothing is hidden, nothing escapes the register. So, when you build honest ledgers on earth, you're aligning with the order of heaven.
Why wealth without trust is destruction? Wealth without trust becomes corruption, arrogance, tyranny, exploitation. That is why history shows every empire falls not from lack of money but from lack of integrity.
Why your system is not just financial? Your system is not just bonds, trust, ledgers, SHC, accounting. It is a, it is a moral structure. It is teaching people to be accountable, to be careful with obligation, to honor relationships, to record truthfully, to settle with dignity. That is worship in action. Trust is the real measure of wealth. A wealthy person is not the one with millions. A wealthy person is the one whose word is reliable, whose word, whose records are clean, whose obligations are honored, whose intentions are pure. That person is rich in the sight of God.
Why SHC is sacred in purpose? SHC is not sacred because it is digital. It is sacred because of what it records. It records responsibility, obligation, stewardship, honor. It becomes a witness, and witnesses carry weight in divine law.
Why the three-tier trust reflects divine order? Your structure mirrors creation. The covenant trust: God is the owner. Your redemption trust represents the angels. His redemption. God's. See, a lot of people don't know. When you study in the Arabic language and Aramaic language, the words of mercy and, and grace and courage, those words are termed angels. Like the term angel, if you was to translate it, they use, it's using the term angel in, in that cemented language, but it's symbolizing, it's not symbolizing a creature more than it is the invisible force that surrounds you. And it, He calls it courage or mercy or whatever it is that causes balance within the self. But it's a force, and it's called angel. It's an unseen force, but you can experience it and you feel it. And redemption is one of them. Then you got humanity actors, which is in our system, that revocable living trust. Then you got the SHC is the ledger. Then God has His. So, so, so, so God has His angels, and He, God created the humans, and He records everything. So, we have our covenant trust, and, and our redemptive trust gives us, it covers us with His mercy. And then now, through our living trust, we act as we act in our human capacity and, and take and fulfill God's command, and we record everything on our ledger that represents SHC. So, this is not imitation. This is alignment.
The covenant of stewardship. When someone enters this system, they are not joining a program. They are entering a covenant that says, "I will treat obligation as sacred. I will treat trust as wealth. I will treat recordkeeping as worship. I will treat settlement as justice." That is heavy. That is honorable.
So, this is the closing of seal. This is the closing seal of layer one because we have layer two. So, layer one was about, was not about law. It was about heart. Before people touch bonds, before they issue instruments, before they speak of set-off or discharge, they must understand this system is not for escape. It is for accountability, not for profit, but for purification, not for power, but for service. Trust is the currency of the hereafter, and justice is its exchange rate.
So, layer two, this is, this is, this is like entry-level commercial reality. Section one is going to be dealing with what the UCCC means when it defines money. Do, do anyone need to go use the restroom? Want to take five minutes? Are we good to keep going?
>> I'm good.
>> All right. Bet, bet, bet. Keep them, keep rocking it out.
>> You're good.
>> Okay. Got, we got 22 more slides because it's 77 slides total. So, we on 55. So, we almost done with this. Alrighty. So, all right.
Now we move from wisdom into mechanics, from heart into structure, from principle into application. In layer one, we learned money is trust, debt is relationship, the ledger is power, bonds are responsibility. Now we learn how the commercial world legally defines these things because if you understand the language of commerce, you can move through it without being controlled by it.
When people hear money, they think cash, coins, bank balances. But commercial, but commercial law does not define money there. The Uniform Commercial Code defines money as "a medium of exchange currently authorized or adopted by a domestic or foreign government." Notice what it does not say. It does not say money must be gold. It does not say money must be physical. It does not say money must be valuable by itself. It only says money is what is recognized as a medium of exchange. That money, that means money is not substance. Money is agreement. Money is a status, not a substance. Gold has substance. Land has substance. Food has substance. Money has status. Its value comes from recognition, not material. That is why a $1 bill costs pennies to print. A digital number can buy a house. A bond can secure millions because the system recognizes the obligation behind it.
Why Federal Reserve notes are money? Federal Reserve notes are not money because they are valuable. They are money because the government authorizes them. Courts recognize them. Banks accept them. Debts are settled with them. They are obligations, not wealth. That is why they are called notes. A note is a promise.
What this means for SHC? SHC is not trying to compete with Federal Reserve notebooks. It's not trying to become legal tender. It is operating under a different authority: private contract, trust law, ledger accounting, commercial obligation that is lawful. Many forms of exchange operate privately: stock shares, bonds, warehouse receipts, airline miles, gift certificates, crypto assets, commercial paper. They're not legal tender, but they are lawful commercial instruments. SHC lives in this category.
Currency versus instrument. There is a difference between currency (government-issued medium) and instrument (commercial obligation). Both are negotiable. Both are transferable. Both are used to settle obligations. But instruments can exist without government permission. That is where private bonds, notes, and SHC exist.
Why most people are confused? People mix three things: wealth, money, obligation. They are not the same. Wealth equals substance. Money equals recognized medium. Obligation equals promise to perform. Your system operates in obligation and ledger first, not illusionary cash.
Why the UCCC protects private commerce? The UCCC exists to regulate instruments, promises, transfers, negotiation, settlement. It does not belong to banks. It belongs to commerce itself. Anyone who issues or accepts notes, drafts, bonds, instruments is operating under the UCC.
Why SHC is lawful under commercial law? Because SHC represents recorded obligation, exists in private contract, functions as a unit of account, tracks responsibility, supports settlement. It does not need to be legal tender to be lawful.
The shift in identity. Most people see themselves as users of money, but we're teaching people to become administrators of obligation. You're going to be teaching. This is a higher, higher position. So, as y'all learn in, in this class and through this program, y'all are going to be teaching your loved ones. So, it's like, I'm just creating more of me, and y'all going to put your own twist to certain things from your perspective, and you're going to speak it from your perspective. But all of you guys, all of you are teachers. Y'all teachers, you know, and so people look at y'all like the superstar because in y'all family, y'all the ones that know, and everybody else around you, they don't know. And so, they're relying on you to convey the message. The core understanding: money is not what gives you power. The ledger does. Currency is not what settles truth. Accounting does. Authority comes from recordkeeping and responsibility, not paper.
Reflection. When you understand money correctly, you stop chasing it. You start commanding structure. You stop fearing debt. You start governing obligation. You stop being a consumer. You become a steward.
Section two, what makes an instrument negotiable? In commerce, not every piece of paper is powerful. Not every promise carries authority. Only certain promises become negotiable instruments. A negotiable instrument is a promise that can move through commerce and be accepted as settlement. It is not emotional. It is not spiritual. It is technical. And once you understand it, you stop guessing and start structuring.
A negotiable instrument is a transferable promise. At its core, a negotiable instrument is a written or recorded promise to pay or perform that can be transferred to another party who can enforce it in their own right. That is why checks are negotiable. Promissory notes are negotiable. Bonds are negotiable. Bills of exchange are negotiable. They carry enforceable obligation.
The four core elements. For an instrument to be negotiable, it must contain: a promise or order to pay. Clear obligation, no ambiguity. A definite amount and measurable value, not whatever we decide later. Payable to order or bearer; it must be transferable. Payable on demand or at a definite time; there must be closure. If any of these are missing, it becomes a contract, not an instrument. Contracts bind parties. Instruments move through commerce.
Why bonds are supreme instruments? A bond contains a promise, a defined amount, a maturity or performance date, a transferability, backing and security. A bond is a perfected promise. That is why bonds sit above checks and notes. Checks depend on banks, on bank accounts. Bonds depend on obligation.
Why your private bonds qualify? Your private bonds are written obligations with defined performance, with identifiable parties, with maturity terms, with accountability. They are negotiable instruments in form and substance. They do not need government blessings to exist. They need clarity, structure, and good faith.
Why SHC supports negotiability? SHC is not the instrument itself. It is the ledger unit that backs the instrument. Just like gold once backed certificates, treasury bonds back currency, stocks back shares, SHC backs obligations, obligation accounting. It gives measurement, traceability, proof of record. Go to XRP ledger. You see everything that's going on with SHC. Who's in what wallet? What's been recorded? What's been moved? We know that one, one, one, one unit equals one million drops. So, therefore, this is not speculative. It's not speculation. It's not putting a magic number on the bond saying, "hundred billion dollars," but you don't have no way to account. Like you say, "Okay, you say hundred billion dollars, but can you prove to me, brother or sister, where this money gonna come from?" Oh. Uh, no. 'Cause, 'cause y'all traded my stuff. Y'all know y'all got it. >> Oh, really? Can you, can you, can you prove that? Do you have the ledger? Can you show me the ledger? Well, no. Well, well, then now you trying to go into a legal battle. You trying to get them to show, you know, but when you do equity, when you, when you seek equity, you must do equity. So, you must come with clean hands. Come with your own ledger. That's why it's so important to come with your own. But, but, but we good. We got our own. We, we, we, we, we got proof of liquidity. We liquid in the private. You liquid. You in the in the new world order, you're already rich because you have the authority to issue a hundred billion dollar bonds. You don't realize, but, but, but when you see that you want that you gonna have a clear title on your house, when God manifests that and you really experience that, you going to feel, you going to know, you going to know how wealthy you is.
What negotiation really means? To negotiate an instrument means to transfer it, to assign its rights, to move the obligation to another party. Negotiation is not arguing. It is movement of obligation. When you issue a bond, you are moving responsibility into form.
Holder in due course. A holder in due course is someone who receives the instrument honestly, gives value, has no knowledge of fraud; they gain enforcement rights. That is why clarity matters. Bad paperwork destroys negotiability.
What your system emphasizes? Why your system emphasizes clean records? Your three-tier, your three-tier trust system protects negotiability. Your system, the trust holds the obligation. The SHC gives clarity where there might be confusion. The bond structure shows intent to, uh, to, to discredit any type of fraud accusation. And the tiered accountability prevents everything from being disordered.
The shift in power. Once people understand negotiable instruments, they stop begging institutions. They become participants in commerce, not subjects of it. Not because they fight, but because they understand.
Reflection. Negotiability is trust made transferable. It is responsibility made portable. It is accountability given structure. And when obligation is structured, justice can finally move. And that is why we all about to get a win with these, uh, and this stewardship that I have going on, backed by Serve Humanity Coin. Can I get an amen? Hallelujah. Amen.
>> Amen. Amen. Amen.
>> I love to hear that.
>> To the man.
>> I told you I was in flow. I told you I was in flow. I'm in flow right now.
>> It's like, it's like, and y'all didn't know I can come with another PowerPoint right behind the last PowerPoint that I, we just, we just had a power. Wow. Uh, we, and I came hard. Y'all know I'm about to come this hard.
>> Man, you've been coming hard, and I see the Facebook, too. You've been giving up.
>> Listen here.
>> I just got one question, man. Do your, uh, uh, uh, your mentors ever come to the to the meetings or or do they hear or see them?
>> Yeah. Yeah. Yeah, they sure do. There's some in here now.
>> We're here now. We're right here.
>> Yeah. The ones that's been here, you know, everybody, everybody, everybody be showing up.
>> Man, the mentors, man, I know they are just so proud of you, brother, 'cause you didn't took everything.
>> Oh, you, you talking about my mentors? Talking about my mentor.
>> Yeah.
>> Oh, man. He, no, no, no. Not my mentor because he, he, he not, he not, um, tech-savvy like that.
>> But, but he, but he definitely hear you speak. If they hear you speak, brother, I know they proud, man. And they smile big listening to you.
>> Kafil. As a Muslim,
>> As a Muslim,
>> first of all, I should say Assalamu alaykum.
>> But I'm going to say this as a Muslim, bro. I am so proud of you, bro, because of the, uh, we had today at Juma, uh, spoke of, uh, self-righteousness about people, right? How, um, you know, we can be, um, we could be a Jew, we could be a Muslim, or we could be a Christian. Uh, but we set aside the fact that we have neighbors, right?
>> Who may be looking at us from the outside in, right?
>> And seeing how we get down and see how we, how we do things or whatever. I think that if somebody like just comes upon you and see how you spitting this game and how you doing your thing, there's no way they can love thy neighbor. You feel me? So, I just appreciate you, uh, from the bottom of my heart, man. Alhamdulillah. Subhan Allah.
>> Hey, thank you. Thank you. Thank you.
>> You be doing your thing, bro. Like, and you should be, you should be proud of yourself. Not in the haughtiness sense.
>> Yeah.
>> Uh, just be proud of yourself, man. And understanding that you doing some real good work, man. And you taking care of your neighbors. You understand me?
>> Hey, man. Hey, I'm happy, man. You know, I, I am, I'm proud with things like I'm proud of today. Today was a good day 'cause I've been organizing. I've been organizing all day today. I've been, I was at Office Depot yesterday. I went to Walmart twice a day just getting things. And it's like, you know, and I'm just, I'm feeling good about the, the structure that that's happening right now. And it's like, and now I know that it's like, in this mode that I'm in, it's just, I'm about to finish everything. I know I'm about to finish everything. And I just can't wait to, it's like, y'all gonna see, y'all gonna see a big stack. Y'all like, dang. And I'm going be sending it off. And it's about to be like, and, and then on top of that, on top of that, y'all see what I got here? I'mma show you what I got here. Y'all see this? It's my ledger. It's where everything going in here. All the numbers. Every, all the numbers in here. My ledger.
>> For all the stewardship. You feel me? And this one. This. And this going to the court. This going to the court. This. I'm taking this to court with me because it's my ledger. I'm coming with the ledger. I will not be denied. I got, I got a.