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[Music] what is up everybody solomon here i do not want to have any pretenses with an introduction in this video i think that i may have stumbled across something extremely extremely big so i was looking through google patents today doing targeted searches and i stumbled across this this patent is entitled distributed credit ecosystem this patents current assignee is synchrony bank now before i get into exactly what this patent deals in because it does directly mention xrp for settlement purposes i want to tell you a little bit about who synchrity bank is synchrony bank is a financial services company that specializes in consumer lending and has 80 million active accounts the consumer finance business aka synchrony bank is the largest issuer of private label credit cards in the united states they offer savings products through their fdic insured bank synchrony bank private label credit cards in the united states have you ever went onto amazons website and they say you can get 15 off