A Message to Community-Based Banks: Evolve and THRIVE

November 30, 2022 Copyright 2022. Tonya M. Evans. All rights reserved.

Evolve or die. That has been a consistent and persistent thread running through messaging from staunch crypto advocates regarding the disruptive purpose and impact of bitcoin and the over 22,000 different types of native crypto coins and tokens in the decentralized finance (defi) ecosystem. The point is well made and correct. But I think the fear-based framing is counter-productive and misses the incredible opportunities community banks (publicly or privately owned by local community members) and credit unions (privately owned by its members) can provide in the form of better, faster, less expensive and more creative savings and loans products and features that provide greater access to banking.

Although it is true that with every passing day fintech companies, digital banks, and crypto assets, become more ubiquitous as more investors and consumers access these alternatives to traditional banking and capital asset accumulation. These technological advances in finance continue to create a customer service issue for traditional financial entities (tradfi) because some consumers—especially those who have been historically marginalized—see fintech and blockchain-enabled banking solutions more viable as an alternative to the legacy banking system.

For example, an annual Black Investor report published by Ariel Investments and Schwab, one-quarter of Black Americans (25%) currently own cryptocurrency, and among Black investors under 40, that figure jumps to 38%. Black investors are more than twice as likely to say cryptocurrency was their first investment (11% of Black investors compared to 4% of white investors).

What is a Community Bank?

Community banks are smaller banking institutions (fewer than one hundred branches) devoted to nurturing relationships and prioritizing community care, impact and involvement to provide stability and opportunity to individuals and businesses within a specific local or regional area. Contrast Community banks like credit unions with super-regional banks like PNC and Truist Financial and mega-banks like Bank of America and JPMorgan, that began to proliferate in the late 1990s.

Palm-Powered Banking

With the increased demand for 24/7/365 access to a variety of banking services (and assets) and the ability to review, move, and manage value digitally on feature-rich platforms quickly and securely.

Banks (and the agencies charged with disclosure, compliance, and consumer protection oversight) that are ready, willing, and able to commit time, talent, and resources to reskill and increase digital and new technologies competency, will also be poised to increase positive relationship-based impacts for customers in the communities in which they serve.

Evolve and thrive.


You + Me + Rachel = Paying it Forward on Small Business Saturday!

By now, you’ve probably heard about my deep holiday discounts on courses, clubs, and my upcoming Future of Wealth Summit, running now through Cyber Monday. If not, check the savings out nowOPPORTUNITY ALERT!

I’ve added another win to the list of benefits when you register for the Advantage Evans FUTURE OF WEALTH Summit ENCORE experience this weekend to attend in person Jan 27-29. Register this weekend and save 50% with code “blackfriday50”. After this weekend, all AEA deals end. So if you’re on the fence don’t put it off any longer!

I just took advantage of Rachel Rogers’ unprecedented Hello Seven Club discount to extend my membership for another year. I received a free ticket to her ROI Millionaires Summit in San Juan but I already have a VIP ticket. So, I am giving away this second ticket for FREE.99.

Yes. Free. The early bird gets the SERIOUS level up. Seriously. 

THIS WEEKEND ONLY: One of the first five Black Friday-Cyber Monday “paid in full” registrants will be randomly selected to attend Rachel Rogers’ Hello Seven ROI Summit Jan 24-26 for FREE.99, as well. REGISTER NOW

Who is Rachel Rogers?

Rachel is the dynamic, accomplished millionaire maker, author and sisterfriend who inspired me to level up my business by creating my first AEA in-person event. She reminded me during one of her five-day Hello Seven Make Money Moves® Challenge opportunities, there’s nothing quite like cultivating community while providing high engagement coaching IRL (in real life!) to help underestimated investors to make consistent and sustainable wealth-generating moves in the new digital economy.

And now I want you to win, too. 

It takes practice, focus, support. And consistency. When you first joined one of my courses or clubs, that’s exactly what you were seeking. Now, “all that you are seeking is also seeking you!” Clarissa Pinkola EstesReal talk. What’s the only thing better than joining me in beautiful San Juan to level up by learning the new best practices for wallet and exchange management, token vetting, decentralized finance, and tax and estate planning best practices

Joining me and being selected to receive a FREE ticket to Rachel’s Summit, too, so you can make more money, increase your return on investment and find your new business squad. COUNT ME IN!
Only one of the first FIVE people to register for the AEA FUTURE OF WEALTH™ Summit ENCORE experience by the end of Cyber Monday @ 11:59 pm ET will be selected to attend Rachel’s ROI Summit, too!As Rachel says in her book, We Should ALL Be Millionaires, there are broke ass decisions and million-dollar decisions.

This is your million-dollar moment. Ready to make your million-dollar decision? 

I’M READY, LET’S GROW!

Hope to see you in San Juan, Future of Wealth Winner!

Tonya, CEO Advantage Evans Academy

PS: Remember to use your 50% discount code: blackfriday50. Look for the “Add a discount code” link below the payment options. 

PPS: The free ROI Summit ticket opportunity only applies to paid in full registrants. But payment plans are available for all ticket levels AND the 50% discount applies payment plans, as well!

My Black Friday Gift to You: Bundles & Summits & Circles…oh my!

The Savings Start NOW!

I love the power and promise of decentralized finance and the ability for anyone–regardless of your race, sex, orientation, socioeconomic or cultural status–to exchange value (money, assets) without any barriers.

But I HATE the influencers, imposters and scammers who’ve taken advantage of the technology to re-create the same lack of transparency, and trust concerns of centralized finance (remember the Lehman Brothers days circa 2008???).

I have benefitted so much personally and professionally from this new season of web3 work, wealth and creativity that the life-long learner, lawyer and educator in me wants to create every opportunity for others to be empowered by facts, resources and tools (without the carnival barking BS!!!). Especially those of us who have been systemically marginalized and locked out of the type of access to finance, tech, and capital asset accumulation that traditionally lead to generational wealth (and crypto is taxed as a capital asset, FYI).

With that in mind, I’ve created something for every person who fits that description AND is ready to be empowered and inspired to learn, earn, and win.

Start with the links below. Do it ASAPEDLY before all of the good deals are gone! And remember, this is for long-term strategies NOT get rich quick. So make good choices.

You can do this. I can help. Let’s GROW!

Course + Club Membership Bumpsale

Been on the fence about a crypto fundamentals course? Worried about the current crypto winter and want to prepare for the next bull run? Need to learn about wallets and self-custody to get your crypto OFF of centralized exchanges? This is your chance. My popular flagship course and virtual community for an outrageously awesome price. Buy early and snag this $2,997 course in this bumpsale for a fraction of the cost. Learn more

IRL Future of Wealth Summit in San Juan

Excited to offer this VERY special opportunity at a luxury resort in San Juan, Puerto Rico (and excited to support the local economy!) where I will teach her entire flagship course, From Cash to Crypto®, in ONE weekend for a small but mighty group of investors ready to get in and WIN in the new economy. I am offering this opportunity for 50% OFF the regular price now through Cyber Monday with a special code. Learn more

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