Back in 2017, during a $10 million corporate acquisition deal signing, Tan Gera asked three questions that would change everything.
“How long will the wire transfer take?”
“2-3 days,” his boss replied.
“But who owns the company for those 2-3 days? What if the wire doesn’t go through?”
His boss laughed it off. Then came the final straw.
“How much will the wire cost?”
“Over $50,000.”
That same day, Tan sent $10,000 to a friend using Bitcoin. Cost: pennies. Time: seconds.
Standing in that spectacular Parisian office, the future CFA charterholder realized the entire traditional banking system was built on inefficiencies that technology had already solved.
Years later, Tan has built what many consider the most comprehensive alternative to traditional banking and need for financial advisors: The ABN System, serving over 4,000 investors working with Decentralized Masters who collectively manage $4 billion in assets outside conventional financial institutions.
From Wall Street Insider to Banking Disruptor
Tan’s path to revolution began with privilege. As one of the youngest ever to pass all three levels of the CFA program at age 23, he helped managed millions in institutional capital and sat in rooms where industry-driving decisions were made daily.
But proximity to power revealed systematic problems. The inefficiencies were staggering. Commissions by middlemen couldn’t be justified. The waste benefited wealthy firms while ordinary investors paid the price.
“The entire system is inefficient. It’s designed to keep people dependent while institutions profit from their hard work,” Tan explains.
The breaking point was mathematical clarity. Traditional banking forced artificial scarcity and dependency on services that blockchain technology could provide instantly, cheaply, and without intermediaries.
Tan walked away from guaranteed millions in Investment banking. It was strategic recognition that the biggest wealth transfer in history was beginning, and positioning mattered more than short-term security.
Building the Replacement Infrastructure
The ABN System directly addresses the inefficiencies that traditional banking creates rather than working within existing constraints.
Where banks require permission for transactions, the ABN System provides direct ownership. Where traditional finance charges fees for basic services, members collect fees instead. Where conventional portfolios require multiple intermediaries, everything operates through personal hardware wallets.
The technical innovation centers on tokenized assets, which are digital versions of real estate, bonds, stocks, and commodities that can be owned fractionally, traded 24/7, and accessed globally without traditional gatekeepers.
“We’re teaching people to eliminate financial middlemen entirely, and invest their own capital – all in one place – for better returns” Tan explains.
But technology alone doesn’t create revolution. Systematic education does. The ABN System applies institutional-grade portfolio management, risk assessment, and opportunity identification to decentralized markets.
It’s not about crypto trading or speculation, it’s about the systematic application of Wall Street methodology to an asset class with exponentially higher return potential and structural advantages.
The Three-Phase Framework
Phase A builds what Tan calls an “All-Weather Portfolio” using tokenized assets. Instead of traditional stocks held at brokerages, members own digital stocks in personal wallets. Instead of real estate requiring agents and banks, they own fractionalized digital real estate. Instead of physical gold under their mattress, they own tokenized gold backed 1-1 by gold bars sitting in swiss vault.
The diversification mirrors Ray Dalio’s approach that built Bridgewater into a $150 billion hedge fund, but with direct ownership and eliminated intermediaries.
Phase B flips the banking equation. Rather than earning 0.5% on savings while banks profit 20% using customer money, members position themselves as the bank. They often earn 5-30% on stablecoins and 30-150% on established crypto assets while maintaining full control.
Phase N provides access to what institutions call “Native markets”—early-stage opportunities before mainstream exchange listings. Historical data shows Solana traded at $0.95 in Native markets before reaching $44.45 on exchanges. That’s 4,679% missed return for mainstream-only investors.
Crucially, Phase N operates exclusively using profits from earlier phases. Members swing for asymmetric returns with house money, not principal.
Scaling the Financial Revolution
Building Decentralized Masters required more than technical innovation. It demanded complete reimagining of how institutional knowledge could be democratized at scale.
From a small team of financial analysts, the company expanded to over 100 employees across six continents. The research team includes 35+ full-time analysts maintaining an 86% win rate across 450+ identified opportunities.
The growth trajectory reads like Silicon Valley success, but with a crucial difference: instead of disrupting convenience, they’re disrupting the fundamental power structures of global finance.
Members collectively manage more than $4 billion in assets, proving that institutional-grade strategies can be successfully democratized when properly structured and supported.
Why Institutions Are Racing to Catch Up
While Tan built the ABN System, traditional finance began acknowledging what it had long dismissed.
BlackRock, managing over $10 trillion in assets, quietly accumulated billions in crypto. JPMorgan called crypto “fraud” publicly while building their own digital currency. Goldman Sachs warned clients against crypto while establishing internal trading desks.
Bitcoin ETF approvals drove over $50 billion in institutional inflows. Larry Fink of BlackRock declared that “every stock, every bond, every fund—every asset—can be tokenized.”
The institutional validation confirms what the ABN System demonstrated: decentralized finance represents evolution, not speculation.
But institutional adoption creates urgency. The current advantage window for retail investors accessing Native markets before mainstream institutions won’t remain open indefinitely.
The Transparency Revolution
Perhaps most radical is Tan’s approach to information sharing. Traditional finance hoards knowledge to maintain competitive advantage. The ABN System operates on complete transparency.
Monthly performance reports detail member outcomes. Strategy documentation is shared openly. Internal operations are documented and available for review.
“In traditional finance, knowledge is power, and power is hoarded,” Tan explains. “We’ve inverted that model entirely. Our competitive advantage comes from sharing everything we know and building educated investors who can think independently.”
This transparency extends beyond marketing. The platform provides real-time performance tracking, detailed outcome documentation, and systematic methodology rather than promotional promises.
Members receive bespoke mentorship, institutional-grade research access, and participation in a vetted community of serious wealth-builders. It functions like an elite investment club combined with a comprehensive education platform.
Generating True Financial Sovereignty
The ABN System represents an infrastructure for complete banking independence.
Members learn to lend, borrow, save, and invest directly through decentralized protocols. They earn transaction fees traditionally captured by banks. They maintain custody without trusting third parties.
For investors earning 0.5% on savings while banks generate 20%+ returns using their money, the ABN System provides mathematical proof that intermediaries extract rather than create value.
The broader implications extend beyond individual portfolios. As central bank digital currencies threaten financial privacy and traditional banks face increasing scrutiny, systematic alternatives become necessity rather than luxury.
The Revolution’s Next Phase
Institutional adoption validates decentralized finance but also creates competitive pressure. As major players build crypto infrastructure, early advantages for educated retail investors begin narrowing.
The ABN System positions members ahead of this curve by providing systematic access to opportunities and methodologies that institutions are still developing internally.
“The opportunity mirrors the early days of electronic trading,” Tan reflects. “Those who understood positioning created generational wealth. We’re seeing the same pattern in digital assets, but with greater democratization potential.”
The ABN Revolution is about proving that financial sovereignty through education creates more sustainable value than dependency through traditional institutions.
In an industry built on information asymmetry and forced dependency, Tan Gera’s greatest disruption may be the simplest: demonstrating that transparency and systematic education can replace secrecy and exploitation as the foundation for wealth creation.
For a generation that watched traditional finance fail repeatedly, that revolution can’t come soon enough.
Want to learn more about the ABN System? Visit Decentralized Masters
