Business
Brother Ben X Digital Real Estate Program Is COVID-19 Kryptonite
Ben X describes the Digital Real Estate program and how it got started.
I teach people how to become mentally, spiritually, and financially free through my Digital Real Estate program. Our company Assets Before Splurging have several courses and classes but the top tier program is Digital Real Estate which teaches you how to build and scale your business online with passive IMPACT to bring about passive INCOME. I often teach my students, “don’t focus on passive income… instead focus on passive impact, because the more people you impact the income will come.
The idea of me creating a program stemmed from me gaining over half a billion views on Facebook alone, 40+ million on Youtube and over a million followers on social media earning 6 figures in my early 20s after having no degrees in what I’m doing. People all over the world began asking me for advice and guidance on how to do what I did so I created a program showing them just that. I dropped out of college after hearing the Honorable Minister Louis Farrakhan teach on “debt is slavery” and I honestly was not learning anything valuable in college, so the creativity came from my adversity.
Within the last year I teamed up with my brother Jake Tayler Jacobs and we’ve built a 7-figure financial and life institute. We came up with Digital Real Estate name one day on our podcast and the concept has been impacting thousands. We teach how to find your purpose, tie it into your Digital Real Estate business, how to create content properly, find your target audience, even how to make money without your own product and how to scale it to a six figure business the same exact way we did.
One of my biggest accomplishments is helping thousands of people change their mindset about themselves, life, and their finances. To be specific, for me my biggest accomplishment in business outside of impacting so many people is the impact the business had on Jason King (@Jason.king.biz on Instagram) he came into the course after being laid off due to COVID-19 and made $11,000 in 4 weeks. He was so helpful inside of our private Facebook group we made him a coach for the Digital Real Estate program, he started to get so many testimonials that Jake Tayler Jacobs and I hired him under ABS and now he has his own podcast, teaches weekly on Facebook and have a whole new energy compared to how he first came into the class.
The second biggest accomplishment is the impact the program had on a brother named 11Hrtz(on Instagram). He came into the program and procrastinated, and months later finally applied and made $1500 in one day when he was struggling to make a couple hundred a week due to COVID-19. Unfortunately after revealing this to his family he was robbed and stolen from and he announced this inside of the private group we had, so I decided to raise money for him that night so he could at least get a laptop. That night along with the support of the other tribe member Jake and I gave him $1,000 to get him going and surprisingly he did much more than just buy a laptop to get on his feet. In just a couple days he used that money to not only buy a laptop but buy a digital asset and sold it making $10,000 in one day. The great part about this story is he bought my course homeless and he was homeless when he announced he was robbed and because of the Digital Real Estate program he is doing well and in high spirits.
Lastly a big accomplishment of ours was making $200k+ in the month of June now scaling up with the next goal of doing $500k per month in our Life & Financial institute. This accomplishment was last purposely because to me life isn’t about the passive income, but about the passive impact, the bible says seek ye FIRST the kingdom of heaven and all of its righteousness and all of these things will be added to you, so what makes this a real accomplishment is being able to be an example that when you accept your own and be yourself God will bless you with what was promised.
As a student of the Honorable Minister Louis Farrakhan we are taught to do for self and don’t wait on others to do for us what we have the power to do for ourselves. One of the things I learned in business is that you don’t have to guess the business because business is about providing a service or product, so it’s more so about listening. So over the years I listened to the questions that my community asked me about making money and running a business online and I built the program based on what I did and what they asked me about. Another motivation was me HATING MY JOB, I worked out a warehouse job that reminded me of the plantation I read about then I worked at FED-EX and had an awakening thought. The thought was, “I’m throwing all these boxes on the truck, if I came to work next week going 10x harder throwing a thousand more boxes on the truck my paycheck will be the same, but if I worked for myself the more productive I am the more reward I receive” and it was it from there… I fired my boss before he fired me.
Minister Louis Farrakhan said “adversity is the mother of creativity” so being that I dropped out of college and quit two jobs I had to become creative and be consistent and I knew if I was able to do it and I dropped out of college than my people who are from the same background as me could do the same and it has been a success.
Honestly… there has been no challenges due to Covid-19. Covid-19 and this pandemic has made business sky rocket and maybe the only challenges we’ve had was having our money tied up by stripe because we scaled a lot faster than expected so they have our money on hold because they deemed it at risk for disputes because we scaled so fast. Due to Covid-19 everyone is watching and shopping online, so it made people value and more attention to what we’ve been teaching the whole time. How we overcame the stripe problem was switching merchant accounts to a company that supports our community that we have built a relationship with. We showed proof of funds, explained why our business scaled so fast they understood, and we got back rolling. In the meantime, of getting the backend together we continued to promote, but put everyone on a waiting list as we fed them content leading them to crave for the programs. When we opened back up sales began to roll in like we never left.
Honestly I think it’s due to what’s going on in the world today, it’s forcing them to see what I’ve been teaching and talking about over the years. One of the things I explained to them is having an online presence right now is almost paramount for business, although I believe it was even before COVID-19. Watch time is increasing on social platforms, zoom app usage is growing rapidly and online sales are increasing due to people not wanting to be around everyone due to the virus.
One of the things that may catch their eye about our program is the multiple ways you can make money. I’m often asked, “do I have to have a business or product to succeed in Digital Real Estate?” and the answer is absolutely not, because we show you how to make money with a product/service or without one. Not only that, but many schools are closed down and the ones that did open I saw in New York, coronavirus creeped in so it closed back down, this has forced parents to think about home schooling. What better way to pivot than to learn how make money online from home passively and be able to spend more time with your family.
Business
Inside the $4.3B Quarter: What’s Fueling Black Banx’s Record Revenues
Every quarter brings fresh headlines in fintech, but few make the kind of impact achieved by Black Banx in Q2 2025. The Toronto-based global digital banking group, founded by Michael Gastauer, reported an extraordinary USD 4.3 billion in revenue and a record USD 1.6 billion in pre-tax profit, while improving its cost-to-income ratio to 63%.
These results not only highlight the company’s operational efficiency but also mark a pivotal moment in its journey from challenger to global leader. The big question is: what’s fueling such impressive financial performance?
Customer Growth as the Core Driver
One of the clearest engines of revenue growth is Black Banx’s expanding customer base. By Q2 2025, the platform had reached 84 million clients worldwide, up from 69 million at the end of 2024. This 15 million net gain in six months demonstrates both the attractiveness of its services and the scalability of its model.
Unlike traditional banks, which rely heavily on branch expansion, Black Banx leverages digital-first onboarding that allows customers to open accounts within minutes using just a smartphone. This approach is especially effective in regions underserved by legacy institutions, where access to affordable financial tools is in high demand.
More customers don’t just mean higher transaction volumes—they generate a compounding effect where network size, brand trust, and service adoption reinforce one another.
Real-Time Payments and Cross-Border Solutions
A major contributor to Q2 revenues is the platform’s real-time payments infrastructure. Black Banx enables instant cross-border transfers across its 28 supported fiat currencies and multiple cryptocurrencies, helping both individuals and businesses bypass the traditional bottlenecks of international banking.
For freelancers, SMEs, and multinational clients, this means faster liquidity, reduced foreign exchange costs, and simplified global operations. The demand for real-time financial services is growing rapidly—Juniper Research projects global real-time payments turnover to hit USD 58 trillion by 2028—and Black Banx is strategically positioned to capture a significant share of this market.
Crypto Integration as a Revenue Stream
Another key revenue driver is crypto integration. While many traditional institutions remain hesitant, Black Banx embraced digital assets early and has built infrastructure to support Bitcoin, Ethereum, and the Lightning Network. In Q2 2025, 20% of all transactions on the platform were crypto-based, reflecting strong customer appetite for hybrid banking services that bridge fiat and digital assets.
Revenue comes not only from transaction fees but also from value-added services like crypto-to-fiat conversion, staking yields (4–12% APY), and blockchain-enabled payments. For customers in markets with unstable currencies, these services act as a financial lifeline, further expanding the platform’s relevance.
AI-Powered Efficiency and Risk Management
Record revenues would be less impressive if costs ballooned at the same rate. But Black Banx has proven adept at balancing growth with efficiency. Its cost-to-income ratio improved to 63% in Q2, down from 69% a year earlier, thanks to heavy reliance on AI-powered automation.
AI now drives fraud detection, compliance, and customer onboarding—areas where traditional banks often struggle with cost inefficiencies. By automating these processes, Black Banx can process millions of transactions securely while maintaining profitability at scale. This level of efficiency is rare in fintech, where high growth often comes at the expense of margins.
Regional Expansion and Untapped Markets
Geography also plays a role in fueling revenues. Much of the Q2 growth came from Africa, South Asia, and Latin America—regions where demand for mobile-first banking continues to soar. In 2024 alone, Black Banx reported a 32% increase in SME clients from the Middle East and Africa, signaling the strength of its positioning in underserved markets.
By extending services to populations previously excluded from formal banking—migrant workers, rural communities, and small businesses—Black Banx taps into vast pools of latent demand. The strategy proves that financial inclusion and profitability are not mutually exclusive but mutually reinforcing.
Diversified Revenue Streams
Another factor behind Q2’s record revenues is Black Banx’s diversified business model. Income is not tied to a single service but spread across multiple streams, including:
- Transaction fees from cross-border transfers and payments.
- Crypto trading and exchange services.
- Premium account features for high-net-worth clients.
- Corporate services for SMEs and international businesses.
This diversification insulates the company against volatility in any single segment, creating stable revenue growth even in shifting market conditions.
Michael Gastauer’s Strategic Blueprint
Behind these results is Michael Gastauer’s long-term strategy: scale aggressively but with efficiency, innovation, and inclusion at the core. His vision has always been to create a borderless financial ecosystem, and Q2 2025’s performance is evidence that this vision is not only achievable but sustainable.
By balancing mass-market accessibility with premium features, and by blending fiat with digital assets, Gastauer has positioned Black Banx as a category-defining player in global finance.
The Road Ahead: Toward 100 Million Clients
Looking forward, the company’s goal of reaching 100 million customers by the end of 2025 will likely be the next catalyst for revenue growth. More customers mean more transactions, more data insights, and more opportunities to refine and expand its service offering.
If current momentum holds, the USD 4.3 billion quarterly revenue milestone could be just the beginning of an even larger growth story. The challenge will be ensuring systems scale securely while maintaining trust in an environment where privacy and compliance are paramount.
A Record That Signals More to Come
Black Banx’s Q2 2025 performance—USD 4.3 billion in revenue, USD 1.6 billion in pre-tax profit, 84 million clients worldwide, and a lean 63% cost-to-income ratio—is more than a financial milestone. It is a signal of how the future of banking is being rewritten by platforms that are borderless, crypto-inclusive, and data-driven.
What fueled this record-breaking quarter is not one innovation but a combination of strategies—scalable onboarding, real-time payments, crypto integration, AI efficiency, and expansion into underserved regions. Together, they form a model that doesn’t just challenge traditional banking but actively builds the foundation for global dominance.
For Black Banx, the road ahead is clear: the $4.3 billion quarter is not an endpoint but a launchpad for even greater scale and profitability.
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