Your Money Deserves A Higher Return

Imagine a vehicle that will continue to grow passively, without all the headaches and volatility.

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Seriously, How Massive Is The Opportunity In Crypto?

Discover how crypto is changing and reimagining what is possible.

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First, Let's Look At What's Coming

Do You Remember The Internet in 1995?

You know what we are talking about. It wasn't called the internet, it was called the World Wide Web. It completely disrupted and destroyed entire industries. The computer made the DVD then destroyed it with streaming. Who knew that payment systems such as PayPal would make online purchases as common as going to the grocery store? Also, it was probably a huge risk to accept that online retailers would take a huge chunk out of brick-and-mortar sales, resulting in iconic brands like K-Mart, Sears, JCPenney, and Radio Shack being forced to close many of their locations in malls around the U.S.

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Why the Web Won’t Be Nirvana

"Clifford Stoll from Newsweek had this to say:

"We're promised instant catalog shopping just point and click for great deals. We'll order airline tickets over the network, make restaurant reservations and negotiate sales contracts. Stores will become obsolete. So how come my local mall does more business in an afternoon than the entire Internet handles in a month? Even if there were a trustworthy way to send money over the Internet?

The truth is no online database will replace your daily newspaper; no CD-ROM can take the place of a competent teacher and no computer network will change the way the government works... Nicholas Negroponte, director of the MIT Media Lab, predicts that we'll soon buy books and newspapers straight over the Internet. Uh, sure.

I'm uneasy about this most trendy and oversold community. Visionaries see a future of telecommuting workers, interactive libraries, and multimedia classrooms. They speak of electronic town meetings and virtual communities. Commerce and business will shift from offices and malls to networks and modems."

"Clifford Stoll from Newsweek had this to say:

“I predict the Internet will soon go spectacularly supernova and in 1996 catastrophically collapse."

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The Internet Tidal Wave

Bill Gates, who was still Microsoft's CEO in 1995, titled his memo, simply: "The Internet Tidal Wave." And wrote:

"The Internet is a tidal wave. It changes the rules. It is an incredible opportunity as well as [an] incredible challenge. I have gone through several stages of increasing my views of [the Internet's] importance. Now I assign the internet the highest level of importance. I want to make clear that our focus on the Internet is crucial to every part of our business."

The point of the memo was that the internet was fast becoming a ubiquitous force that was already changing the way people and businesses communicated with each other on a daily basis.

In the memo, Gates explained a bit about how he saw the internet being used in 1995, with both businesses and individuals publishing an increasing amount of content online, from personal websites to audio and video files.

"Most important is that the Internet has bootstrapped itself as a place to publish content. It has enough users that it is benefiting from the positive feedback loop of the more users it gets, the more content it gets, and the more content it gets, the more users it gets." Gates wrote.

Gates saw that as one area where Microsoft would have to seize the available opportunities to serve its software customers. He notes that audio and video content could already be shared online in 1995, including in real-time with phone calls placed over the web and even early examples of online video-conferencing.

Gates predicted that, within a decade, people would regularly watch movies, television shows, and other entertainment online. In fact, 10 years later in 2005, YouTube was founded, followed two years later by Netflix.

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The Companies Of The Future

  • pantera
  • Alameda Research
  • Jumb Trading
  • Windtermute
  • akuna capital

Most Americans had not gone online at all by 1995, but most of them had heard about the internet, in part because of newspaper articles that offered introductions to the emergent digital world.

Spam emails were created by two Arizona lawyers to promote their services to help people fill out a green card in 1995.

In 1995 Amazon, eBay,, Yahoo, and Craigslist websites were launched. In 1995 there were 23,500 websites, the year before there were only 2,738 websites.

When went live to the general public in July 1995, the company boldly billed itself as "Earth's biggest bookstore", although sales initially were drummed up solely by word of mouth and Jeff Bezos assisted with assembling orders and driving the packages to the post office. By the end of 1996 Amazon had racked up $15.7 million in revenues, and in 1997 Bezos took the company public with an initial public offering that raised $54 million. The rest is "History!"

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Destroyed By The Internet

The internet has touched every single industry and has absolutely destroyed some. We all know what the internet has done to retail of the likes of Kmart, Circuit City, JCPenney, Sears, Barnes and Noble, Books A Million, Blockbuster, Toys R Us, and many many more.

The internet didn't stop there. When was the last time that you picked up a phonebook? Used a travel agent? Ordered a set of encyclopedias? What about looking at an actual map?

The onslaught has not stopped, how do you keep in contact with your family and friends? Do you know what some person that you haven't seen in 10 years had for dinner yesterday? The internet waged a complete and total war on the music industry and won. The internet is doing the same thing to cable TV. Uber destroyed taxi services thanks to the power of the internet.

The internet completely changed the car buying experience forever. But wait, it's not done! You no longer have to leave your house, the internet will have a car dropped off at your doorstep like it's a book.

Whether you like it or not the internet has made the world one place, no matter where you are located you can read this. What’s next is the biggest of them all.

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Paper Money No More

The internet is destroying money as we know it. It is happening right under your feet. First, it was gift cards, which turned money into store money. The money never leaves back out of the store once it is converted into a gift card. You use your debit and credit cards all day every day, thanks completely to the internet and every business being able to process payments.

Young adults and kids would rather have their money in digital currency in things like V-Bucks to purchase items in Fortnite which made $9 Billion in 2 years. They would rather purchase CoD Points in Call of Duty which is reportedly making $5.2 Million a day. Once the money turns into CoD Points it can not be changed back to money.

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Payments processing, card developers, money transfer platforms, and tracking software


Digital-first banks or companies digitizing banking services for credit and debit
Digital Lending

Digital Lending

Companies creating new solutions for personal or commercial lending
Wealth Management

Wealth Management

Personal Finance tolls, investment and wealth management platforms, and analytics tools


Companies selling or distributing insurance digitally or providing analytics and software for (re)insurers
Capital Markets

Capital Markets

Sales and trading, analysis, and infrastructure tools for financial institutions


Companies focused on providing solutions to small- and medium-sized business
Real Estate

Real Estate

Mortgage lending, transaction digitization, and financing platforms

Beating The Banks

The last great frontier for the internet to disrupt is the centralized financial system. If you are in the United States you watched this start to take place with the COVID-19 CARES Act. How were the entire 2 Trillion dollars disbursed? Electronically, right? Thanks, internet.

Lucky for these small businesses there is light at the end of the tunnel, enter Fintech (financial technology) companies to save the day. Initially, loans were mostly distributed by banks, which allowed for rapid delivery but also increased the chance that loans might go to existing bank customers rather than the hardest-hit borrowers. In an important change, the SBA authorized more nonbank lenders to accept applications toward the end of the first wave. Of particular interest are fintech lenders, defined as nonbank lenders that operate online such as Kabbage, Square, Lending Club, OnDeck, and PayPal Working Capital.

Recently, fintech companies have become important lenders to small businesses, especially in places where banks have pulled out. Compared to banks, fintech lenders may be more efficient in processing applications (as was shown for mortgages), and more likely to lend to underserved businesses that are unable to borrow from banks.

There were over 5,500 lenders, most were traditional banks and credit unions. It was only 41 fintech companies that were collectively the third largest facilitators of PPP funds based on the number of loans and loan dollars distributed by lender type. Companies with names like Womply, Lendio, Kabbage, Blue Vine, Cross River, Funding Circle, etc.

4.1 million which represented forgivable loans extended, that ultimately helped protect more than 90 Million American jobs. The 41 fintech lenders which represented less than 1% of the traditional banking institutions distributed over a third of the loans, 41 beat out thousands. This was a huge disruption to the centralized system of disbursing money. What made all of this possible for fintech companies?? You guessed, the internet!

Now, you can get bank accounts completely online! You can send money to family and friends with just a few taps on your phone. Zelle, Venmo, Cash App, and Square are all Fintech companies that are disrupting the old central banking system.

For most people around the world, no one sees any hope in the financial systems currently in place. They feel as if the financial system is rigged against them. It is harder now than ever to get ahead. One dollar gets you a lot less than it did a few years ago.

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What's A Blockchain?

Thanks to the internet we can now enter Cryptocurrency, and how it is currently decentralizing finance. Cryptocurrency is making what was only available to the few available to all. Let's look at the technology behind cryptos, it is a digital currency built upon the foundational technology known as a "blockchain”. The technology can transmit a digital unit of currency via a peer-to-peer system. The validation introduces a level of security for both the sender and the recipient that surpasses most existing transaction security protocols of banks. One of the most compelling disruptive elements of the technology is that it removed the need for a "middleman", such as a bank serving as the manager of those transactions.

The use of blockchain technology is being adopted by the mainstream as a secure method of sending and receiving money. How is blockchain disrupting the banking industry?

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Bank accounts won't be necessary as endpoints in a cryptocurrency scenario

There will be no need for an institution like the Federal Reserve to manipulate the value of financial units.

Governments will have no method to interrupt or interfere with an individual's financial transactions. (no more frozen accounts or the Government prying into your financial business)

Thieves can't take money from a central storage facility.

Wells Fargo and HSBC are using blockchain technology for the first time in the settlement process of cross-border payments. The two financial services titans will jointly use a shared settlement ledger to process US dollar, Canadian dollar, British pound sterling and Euro transactions.

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Ethereum? Dogecoin?

At the beginning of its history, many people were saying that Bitcoin could mark the end of the banking industry.

Bitcoin and other cryptocurrencies aren't really disruptive technology. The disruptive technology is the blockchain. Both large banks and small startup companies have recognized the significant value of blockchain security.

The blockchain technology has birthed a whole new area of startups known as an Initial Coin Offering (ICO), analogous to the Initial Public Offering (IPO) in the stock market. Companies are developing use cases for their own proprietary "coins" for uses like gambling and real estate transactions, and using the blockchain to provide customers with more secure methods to use their services.

Yes, this may lead to new forms of currency that hold value all on their own, but the bigger news is that entirely new products and services are being launched now and in the coming years that will allow self-enclosed economies to grow and flourish.

Imagine a virtual world where a "virtual coin" holds as much or more value than gold, and those coins can be exchanged between users of that virtual world in a transaction that's even more secure than one that took place between two bank accounts.

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The Growth Potential Is Huge

NFTs exploded in 2021 and disrupted the art market forever changing it. This is an exciting new area of technology, and it is only just beginning. Here are some quick facts on how explosive the cryptocurrency industry is:


In 1997 the internet had 140 Million users and was growing at 63% per year.


In 2012 it was 206 Million iPhone users and the iPhone was growing at 62% per year.


In 2020 the iPhone went over a Billion users.


In 2021 Crypto had over 141 Million users.


There are 14,915 Bitcoin ATMs.


In 2022 Crypto is growing at 113% per year.


Crypto is projected to reach over a billion people by 2024.


Bitcoin alone accounts for $6 billion of daily online transactions (It is surpassed only by two of America's top payment networks - Visa Card ($30.3 billion) and MasterCard ($16.2 billion).


A social media post about crypto appears every 2 seconds.


67% of Millennials Look to Bitcoin as a Safe Haven Asset as Compared to Gold


Only 1.1% of all transactions are illegal, compared to the type of financial fraud happening every 15 seconds in the banking industry.

You don't want to be left trying to use a Blackberry in 2022. Crypto and blockchain is the biggest revolution since the start of the stock market. Even bigger than the internet itself.

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Crypto Is Your Opportunity

Don't be left behind, aren't you tired of "what could have been?".

Crypto is the opportunity for you that offers you the ability to create life changing money for you and your heirs. Us over at Surplus consider ourselves lucky to be here at this moment, because to have two opportunities together in the internet and crypto in the same lifetime is mindblowing. We are truly grateful, hope you are also.

Opportunities that build and change individuals, families, communities, and countries' futures only come around once every few centuries. Go back a few centuries and look at what the creation of the shipping industry did for Spain and Great Britain, furs for France, oil for Saudi Arabia, cars for Japan, and oil, steel, finance, cars, computers, and the internet for America. The people who got in early on these once in a century opportunities that were set to change the world, their families lives have been changed forever.

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Don’t Take Our Word For It

Hear it straight from those who have successfully added their crypto exposure with Surplus.

Kathy P.

My dealings with Surplus have been professional yet simple and straightforward. My questions have been answered quickly by their knowledgeable staff. I was so pleased with the first investment that I am gearing up to jump at the opportunity to invest a second time, and I look forward to reaching my goal for income.

Branden E.

The Surplus investment opportunity was brought to me by Carlyle, who I have known for a while. I was excited to see that I could get above-market yield since we couldn’t find anything we felt was safe that generated good returns. It’s a great investment for us, I just wish I had put in more.

Jeff D.

I was intrigued by the attractive yields Surplus offered. After Carlyle explained how the Company operates and mitigates risk, I was more excited. While I typically focus on equity investments, this offers an attractive risk free yield in a volatile market. The returns are like equity with less risk and volatility.