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The Other Option - By Clif High

Clearly Cogitating: Who are you going to call?

“They tried to kill each other”, the driver shouted over the din of clanging and banging as the Humvee lurched slowly over the uneven surface. He turned slightly toward the two passengers in the back to try to make himself heard, “all of them. They went fucking crazy.”

The old man in the back seat looks to his companions, his bushy eyebrows arched and bristling.

“You say they went fucking crazy. How did it manifest?”, the woman passenger queried the driver.

“I don’t know”, the driver yelled back over the noise. “First Sargent said that they were all shooting and hitting at each other...it was a real brawl in there. I don’t know much more than that...just that they were there only minutes, and tried to kill each other.”

“Did any succeed?” asked the old man, holding onto his case as the Humvee rose, fell, and bounced slowly forward into the deepening dark of the in-creeping night.

“Yes. Some of them were killed.” The driver responded before turning his attention back to his task.

Somewhere, in the receding distance of the dark, damp night, dogs were howling at the long convoy of heavy vehicles slowly moving through the forest.

The Humvee rolled over the last of the logs acting as a bridge over the small creek, its armor giving the impression of a hippo trying to walk a tightrope as the thick tires dropped down, displacing the gravel on the hastily created road and sinking into the rain softened, sandy soil. As it bounced down off the log bridge, the Humvee’s headlights flash across the small and large stumps littering the area, piled into dark, tall lumps of twisted black masses, the gnarly roots holding each other like hands desperately gripping each other.

The driver had his face up against the window of the Humvee, squinting into the deepening darkness as the last of the day’s light faded behind him. There was a steady, misty rain filling the air that the locals called ‘hanging dew’. The vehicle he drove seemed to cut a tunnel through the fog of the dew as the lights from the convoy behind him flashed as each vehicle in turn dropped the 6 inches off the end of the log bridge onto the road, hastily cut through the forest late that afternoon as the Engineers were preparing the site chosen for Operation Response.

The Humvee leveled out as all the tires came down on the gravel road. The driver increased speed slightly as his passengers sorted out their bags and cases of gear.

The trio were a surprising group, not only to their assigned driver, but to all the military people along the way of their transport to the Operation Rescue site. The helicopter pilots were certain that only the old man had been in a Chinook before. His two companions, though younger, were still middle aged, parent figures to the two young pilots who were both taken aback, and somewhat charmed by their VIP passengers’ excitement over the flight. The two ‘younger’ passengers were nearly giddy as they stored & lashed their equipment under the old man’s direction.

When the Humvee driver had collected his three VIP passengers at the hastily created helipad field about 20 miles down beach from the Operation Response site, he was surprised to find that they were in uniform. Unlike the first batch of VIPs that had been brought in, four of whom he had driven who were dressed in suits, this new group was all in uniform. True, they were uniforms unlike anything he had seen in his Army career, but they were clearly uniforms. Tactical pants and shirts, field jackets, though these looked like Navy issue, and hard fabric, tactical caps. The old man’s jacket had Captain on his center patch, while the woman was identified by her patch as Commander, and the younger man was a Lieutenant. Their unit patch said Field Team, while their organization was identified as Human Contact Foundation.

The driver was relieved to see the uniforms descending off the Chinook. Even more relieved to see the old man jump off the helicopter and start pointing out a few small boxes to the flight crew to be moved to the Humvee. The few boxes only would fill the Humvee, leaving the two 6 ton trucks empty.

“Sir,” the driver said, addressing the Captain with a sharp salute, “is there more gear to be moved? Both trucks are here with crews at your disposal.”

The Captain looked around, waved in the general direction of the trucks with a quizzical look on his face. “No, this is it. All our gear. Should fit in your rig there.” he said. “Why did they send trucks?”

The driver responded as he offered the Captain a sealed, bulging, mission packet envelope. “The previous group had lots of stuff. They brought maybe 10 tons of equipment. It took us hours to get loaded. The General thought maybe you, too, had lots of stuff.”

It took nearly an hour for the Humvee to cover the 20 miles of rural oceanfront roadway to the take off road rudely carved out of the buffering forest and head down the steep foothill terrain toward the dunes on the other side of an inconvenient creek. Once the log bridge had been traversed, it was barely five more minutes of groaning engine pushing the Humvee through soft salt marsh before they arrived at their destination, the prep site for Operation Response.

The three HCF personnel were rapidly moved into the tent where they greedily accepted proffered coffee, and met the General in charge of the operation.

The General had barely begun to introduce himself when the HCF Captain spoke up from slurping coffee. “General. What happened to the previous group?”

The General, annoyed at being preempted, waved at a Major down the table who jumped up and spat out, “Three dead on site. Three died on the way to the medics. Three were ‘retrieved’ alive.” the Major intoned, then continued, “we don’t know where the other 10 are. No sign of them. And of course we can’t ask.” This last was met with a passing snarly face from the General.

The old man, the HCF Captain, clearly older than the General, held up his left hand as the General started to speak. He went back to drinking down the rest, then passed the coffee cup back to the mess attendant for a refill, before looking up at the assembled mass of worried faces across the table.

“Has The Effect altered? Stopped? Reduced? Has there been any changes while we traveled?” asked the HCF Captain.

“No sir. No changes.” the General responded. “We have it under direct, and electronic observation. Those screens over there are the various IR, and other cams. No movement since the initial contact.”

“And the field?” asked the HCF Commander.

The General again waved to the Major.

“Yes, Ma’am.” Said the Major. “The field is still visible. The object is still there, still floating about 20 feet up off grade. It still does that wobble every 21 seconds. “

“No reaction from the object when the other team went batshit?” The HCF Captain asked the Major.

“No sir. It just sat there the whole time.” The Major said, reaching for large photos on the table and sliding them down to the HCF team. “Even when we sent the bomb disposal drones into retrieve the bodies and the wounded...no reaction. It just sits there.”

The Major continued, pointing at one of the photographs, “the object wobbled just as the team’s truck was entering the field, but no way to know if it was a catalyst. The science team just went crazy within minutes of getting in to the field. They had barely started to set up their gear when they started attacking each other.”

A long silence followed carried on the shuffling of papers and clang of metal coffee cups.

“Ok, Captain.” The General spoke the rank with a sarcastic sharp edge, “what now?”.

“Well, General”, replied the HCF Captain, “we three will get to work...”

“..and do what? Exactly?” The General’s tone rose with him as he stood up, leaning his bulk on the table. “You people were forced on me by chain of command. What the fuck are you going to do that the best science team in the world could not?! Those 19 people were from the top universities and government think tanks on this planet. And you? Who the fuck ever heard of Human Contact Foundation?”

“No one.” responded the HCF Commander. Standing up as well, and moving her hands in sweeping gesture indicating the whole of the planet outside the confines of the tent. “We work as we work. You are not supposed to know about us. We emerge with need. Which is now.”

The HCF Captain waved them both to sit. “General, if I had been allowed to continue…”, he picks up the coffee cup, empty again, waving it around until taken for a refill. “General, the power structure of this planet is freaking out. Right now. All around the world. They have a situation that they put YOU in charge of handling, and it is not going well! The Powers That Be had a hand picked team collected from all over this planet, brought here to deal with this situation, and they just shat themselves mentally, and died.”

A slurp of the new coffee, and he continued. “Guys, this is the point where you listen to me. Not only hear me, but listen…. We…”, the HCF Captain gestured at his companions, “….are The Other Option.”

“That previous team was sent by the WEF. That is the World Economic Forum. They were the top dogs of academia and NGO-world, personally selected by the top power of the world. They were published scientists. They were at the top of their game, and at the top of the social order’s organizations devoted to the politics of science.” The HCF Captain looked around for understanding on the faces of the attendees before continuing. “We, on the other hand, are just some people who like to think. We think a lot. We think deeply, and we think clearly. We thought up the Human Contact Foundation BECAUSE we can think clearly about a subject, and its ripples, and ramifications in our reality. We knew that a need would arise, so the HCF was set up to provide us a vehicle to interact with ‘normie-world’, where, as you may have observed, not many people think, or think well.”

“The previous team, the WEFfers, did not think clearly about things. They cannot think clearly about our reality because of their basic approach to Life, Universe, and Everything.” The HCF Captain said, nodding to the HCF Lieutenant, who produced a file folder from his case, handing it over to the General.

“As you can see General, from those notes made over 4 years ago, we had anticipated something very close to this situation developing, and have thought about what to do.” Stated the HCF Captain. “It must be obvious from the results, that the first team, the WEFfers, did not...think that is. And now a bunch are dead, and the rest missing, or ….what? Probably something close to catatonic, would be my guess..?”

“Correct.” The Major spouted off rapidly, surprising everyone.

“Our thinking is based from a different approach to Universe than the WEFfers. Here’s your history lesson for today”, said the HCF Captain, looking around the room, then settling his gaze on the General. “There have only, ever, been two theories about reality devised; the quantum mechanics view of reality as being composed of atoms randomly bumping into each other, and the understanding of universe as arising from the field dynamics of the Aether.”

The HCF Captain stood up, and said, “the WEF team were atomists. Plus being mainly administrators, corrupt fuckers, and not actual scientists….not actual thinkers. They were blind to the field dynamics of reality, even though they were here to investigate the field holding that object up off the ground with no apparent means of support. We are Aetherists. We grok fields. Simple as that. Plus we have had a lot of time to think about it, while waiting for this development.”

“So, you ask what next…, well, what we are going to do is to put on some special clothing we had made, anticipating just this form of field appearance, such as our copper, conductive boots, and go have a look at this object. Maybe have a conversation with whomever sent it.” Said the HCF Captain. “They are probably thinkers too. Now, let us get to work!”

As the HCF team rose to follow the Captain, the Lieutenant put a stack of cards on the table. On one side was written:

Space Aliens!

Who are you going to call when your contact attempts go sideways?

While on the other was a telephone number, and

The Human Contact Foundation.

We think clearly.

###End###

The WEFfers are evil bastards!

No doubt about it. The members of the World Economic Forum gang are fuckers at a global level. The WEF is the face of the alpha dog of evil conspiracy on this planet. The WEF members are politicians, NGO founders, corporate functionaries, and other high profile people.

The WEF is the face of the global conspiracy to rule the world which came pretty close to actually manifesting. It won’t, but not for lack of the WEF members working for it.

As a conspiracy, the WEF plan was pretty slick. It has many vulnerabilities which are being exploited now, as it is falling apart, but the plan itself was clever. One of its major flaws was the reliance on politicians, another on using blackmail and murder as tools for coercion. Politicians, not known for their intelligence, are, at best, a very unreliable tool, especially in an age of corrupt institutions. The WEF plan required both corrupt politicians, and corrupt institutions. The implementation by the WEF of infiltration, and subversion via individual corruption did work, sort of, but it has the effect of segregating the population by susceptibility to corruption, which, turns out is highly correlated with intelligence. So, in essence, the WEF plan has naturally built a global crew of incompetents and stupid people.

Stated another way for comprehension, the entire power structure, reinforced over time by the WEF, as a side effect of its design, aggregates, and collects, and supports stupidity, and provides it with power to replicate.

Do you really want to leave THE MOST IMPORTANT CONTACT ever for Humanity in the hands of the WEFfers? They are assuming that they are in charge of this, as well as all other aspects of YOUR life.

The Human Contact Foundation does not.

It’s real.

They are out there…. thinking.

https://www.weforum.org/agenda/2016/03/these-planets-could-host-alien-life/

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🧬VINDICATED! The Epstein Files Connect Gates, Pandemics & Censorship to a Globalist Blueprint for a Biosecurity State🧬

Every warning. Every documentary. Every article. Every post that got us banned. All of it was true. Now what? What can we do? Read on, share this Substack, help us save lives! The Light is shining! ✨

Well, well, well… look what the cat dragged in.

Actually, scratch that. Look what the Department of Justice finally dragged out of Jeffrey Epstein’s email inbox and dumped on the world’s doorstep like a rotting corpse nobody wanted to claim. Yep, that’s right. The Epstein files. It’s hilarious how the “Democratic hoax” and “fantasy” client list we were all told didn’t exist suddenly became a very real, very unsealed document.

For years—years—they called us conspiracy theorists. They slapped “misinformation” labels on our posts faster than Pfizer could print liability waivers. They kicked us off platforms, lied about us in the media, and shadow-banned our reach. Meanwhile, the real conspiracy—the one typed out in black-and-white emails between billionaires, bankers, and a convicted pedophile—was sitting in a government vault, waiting to prove us right.

And now? Now the receipts are public.

The release of Jeffrey Epstein’s files has done far more than expose a network of elite pedophilia and blackmail—it has vindicated truth-tellers like us and countless others who were smeared, censored, de-platformed, and persecuted for warning about the sinister agendas of the globalist elite. The documents reveal shocking connections between Epstein, Bill Gates, pandemic planning, and the systematic suppression of anyone who dared to connect the dots.

We weren’t crazy. We were just early. And they hated us for it.

Epstein, Gates, and the Pandemic “Business Model” They Built Together

One of the most damning revelations from Epstein’s files is his partnership with Bill Gates. Forget the carefully crafted PR spin about “regretting” those meetings. These weren’t casual dinners. These were planning sessions.

Back in 2015, Gates and Epstein exchanged emails about “preparing for pandemics” and strategies to “involve the WHO.” Gates wrote: I hope we can pull this off.”

How’s that for a chill down your spine?

This eerily foreshadowed the 2019 Event 201 simulation—a pandemic exercise hosted by the Gates Foundation, Johns Hopkins, and the World Economic Forum that just happened to model a global coronavirus outbreak… just months before COVID-19 ”mysteriously” emerged in Wuhan. Funny how that works, isn’t it?

But let’s rewind even further, to the real blueprint—the financial architecture that made the pandemic response not just possible, but profitable.

The story crystallizes in a chilling 2011 email exchangeJuliet Pullis, a JPMorgan executive under then-chairman Jes Staley, emailed Jeffrey Epstein with a list of detailed questions. The source? “The JPM team that is putting together some ideas for Gates.

The questions were precise: What are the objectives? Is anonymity key? Who directs the investments and grants? This wasn’t JPMorgan consulting an expert; it was a trillion-dollar bank asking a convicted felon to architect a billion-dollar philanthropic fund for Bill Gates.

This wasn’t JPMorgan consulting a philanthropic expert. This was a trillion-dollar bank asking a convicted felon to architect a billion-dollar philanthropic fund for one of the richest men on Earth. Let that marinate for a moment.

Epstein’s reply was fluent and commanding. He described a donor-advised fund with a “stellar board” and ties to the Gates-Buffett “Giving Pledge.” He noted the billions already pledged and identified the gap: “They all have a tax advisor, but have no real clue on how to give it away.” His solution? JPM would be an integral part. Not advisor… operator, compliance. Staley’s response: We need to talk.

By July 2011, the plan evolved. In an email to Staley, copying Boris Nikolic (Gates’ chief science advisor), Epstein laid out the core pitch: A silo based proposal that will get Bill more money for vaccines.”

Not “more research for pandemics.” Not “better public health infrastructure.” More money for vaccines.” This is the unambiguous language of capital formation, not charity. It reveals the structure’s intended output planning reached the highest levels.

In August 2011, Mary Erdoes, CEO of JPMorgan’s $2+ trillion Asset & Wealth Management division, emailed Epstein (while on vacation) with additional operational questions.

Epstein’s reply was breathtaking in scope:

  • Scale: “Billions of dollars” in two years, “tens of billions by year 4.”

  • Structure: Donors choose from “silos” like mutual funds.

  • The Kicker: However, we should be ready with an offshore arm — especially for vaccines.”

An offshore arm. For vaccines. For a charitable vehicle. Let that sink in.

So, by the time the world was panicking in March 2020, the financial machinery was already built. The investment vehicles, the donor-advised funds, the reinsurance products at places like Swiss Re, and even the simulation playbooks were dusted off and ready to go.

The pandemic wasn’t an interruption to their business—it was the Grand Opening.

Epstein’s role extended far beyond trafficking; he was a facilitator and blackmail operative for the global elite. The same forces that orchestrated the COVID-19 power grab—the mask mandates, lockdowns, censorship, and coercive mRNA push—are the ones who silenced critics like us.

Gates, despite his documented ties to Epstein (multiple flights on the “Lolita Express” after Epstein’s 2008 conviction), walks freely. He’s on TV. He’s advising governments. He’s still funding “global health initiatives” and pushing digital IDs, vaccine passports, and climate lockdowns.

Meanwhile, people like our friend, Joby Weeks, are under house arrest without charges, and voices like ours were de-platformed, demonetized, and destroyed for saying this very thing.

We told you. You knew it in your gut. Now you have the emails.

Censorship: The Elite’s “Misinformation” Label to Cover Their Crimes

The Epstein files expose not just criminal behavior, but the playbook for the systematic suppression of truth. While Epstein’s powerful friends were being protected by the FBI, the DOJ, and the media, platforms like Facebook (Meta), YouTube (Google), and Twitter went to war against anyone talking about it.

Think about the sheer audacity.

We were banned from social media for calling COVID-19 a “fake pandemic” and exposing the vaccine injury data that’s now undeniable.

Below is a screenshot of the first Facebook post that was taken down and then used as “Exhibit A” in their “reports” about how bad we were, naming us the 3rd most dangerous people on earth after Dr Joseph Mercola and Bobby Kennedy in the digital hit list they called the “Disinformation Dozen.” They attacked us, lied about us, and pressured the media, social media, and population at large to do the same: attack, threaten, and cast us out.

We were labeled “dangerous” for sharing emails, documents, and research that the DOJ and the CDC have now confirmed.

It was never about “safety.” It was about narrative control.

The same institutions that turned a blind eye to Epstein’s crimes for decades—the same ones that let him “commit suicide” in a maximum-security prison with cameras conveniently malfunctioning—suddenly became the ruthless hall monitors of “acceptable discourse,” ensuring only their approved stories could be told.

Big Tech, Big Media, and Big Government are all part of the same protection racket. They shielded Epstein’s client list, and now they shield the architects of the pandemic debacle. Independent journalists, researchers, and health advocates like us, who connected these dots, were systematically de-platformed, demonetized, and destroyed.

Why? Because we were right, and that was the greatest threat of all.

When you’re over the target, that’s when the flak gets heaviest. And brothers and sisters, we were getting shelled.

They Lied About Us While Protecting the Real Criminals

Let’s be crystal clear about what happened here.

We have spent decades exposing the cancer industry, Big Pharma’s corruption, and the suppression of natural health solutions. We produced The Truth About Cancer docu-series, reaching millions worldwide. We warned about vaccine injuries, censorship, and the coming medical tyranny years before COVID-19.

And what did they do? They called us “Conspiracy Theorists,” “Anti-Vaxxers,” and “Killers.” Dangerous.

They said we were killing people with “misinformation.”

Facebook banned us. YouTube deleted our videos. Legacy media ran hit pieces. PayPal froze our accounts.

All while Bill Gates—a man with documented ties to Jeffrey Epstein, who flew on his plane multiple times after Epstein’s conviction, who got STDs from Russian girls Epstein provided for him for which Gates asked Epstein’s help getting him antibiotics to slip secretly to his then wife, Melinda, so that she would not know about his inexcusable and perverted escapades—yes, THAT Bill Gates—was at the same time, being platformed on every major news network as the world’s health oracle.

All while Anthony Fauci—who funded gain-of-function research in Wuhan through Peter Daszak and EcoHealth Alliance, who lied under oath to Congress, who flip-flopped on masks, lockdowns, and vaccines—was treated like a saint. Time Magazine’s “Guardian of the Year.”

All while Pfizer—a company with a $2.3 billion criminal fine for fraudulent marketing, bribery, and kickbacks—was given blanket immunity from liability and billions in taxpayer dollars to produce a vaccine in record time with no long-term safety data.

Were we the dangerous ones?

No.

We were the truthful ones. And that made us the enemy.

The Weaponized Institutions: From Epstein’s Blackmail to Your Digital ID

Epstein’s operation was never just about blackmail for perversion; it was blackmail for control. The files show his cozy ties to intelligence agencies (Mossad, CIA), financial giants like JPMorgan and Deutsche Bank, and political leaders across the globe.

This is the same cabal now pushing:

  • The Great Reset

  • Digital IDs

  • Central Bank Digital Currencies (CBDCs)

  • 15-minute cities

  • Carbon credit social scoring

  • Vaccine passports

Let’s connect the dots they desperately don’t want you to see:

Financial Control:

JPMorgan banked Epstein for years despite clear red flags—over $1 billion in suspicious transactions flagged internally and ignored. They knew. They didn’t care. They paid a $290 million fine and moved on.

Now, banks like Bank of America, Chase, and PayPal de-bank conservatives, truckers, health freedom advocates, and anyone who questions the narrative. Canadian truckers. Gun shops. Crypto entrepreneurs. The goal is the same: punish dissent and control economic life.

CBDCs are the endgame—a digital leash on every citizen. Programmable money that can be turned off, restricted, or expired. Social credit by another name.

Medical Tyranny:

The FDA, CDC, and WHO—utterly captured by Big Pharma—lied about:

  • COVID origins (Wuhan lab leak dismissed as conspiracy theory)

  • Vaccine efficacy (”95% effective” turned into “you need boosters forever”)

  • Natural immunity (ignored despite being superior)

  • Early treatments (ivermectin, hydroxychloroquine, vitamin D censored and mocked)

They attacked natural health advocates just as they’ve done for decades with cancer cures, detox protocols, and anything that threatens Big Pharma profits. They are not health agencies; they are profit-enforcement arms dressed in lab coats.

Political Corruption:

Epstein’s blackmail ensured elite immunity. His client list includes presidents, princes, CEOs, scientists, and media moguls.

Meanwhile, true dissidents—Julian Assange (tortured in prison for journalism), Edward Snowden (exiled for exposing mass surveillance), and journalists like us—face persecution, imprisonment, debanking, slanderous hit pieces, and/or constant character assassination.

Two systems of justice: one for them, one for you. One for Epstein’s friends, one for truth-tellers.

The Way Forward: They’re Exposed. Now It’s Time to Build.

The Epstein files are more than proof; they are a declaration that the system is rotten to its core. But here’s the beautiful part: they vindicate us completely.

Every warning. Every documentary. Every article. Every post that got us banned. All of it was true.

The globalists’ grip is weakening. The truth—the real, ugly, documented truth—is erupting from the very files they tried to hide. They labeled us liars, but the emails show they were the architects. They silenced us, they censored us, but that only made our voices more necessary.

Epstein did not kill himself. COVID-19 was not natural. The vaccines were not safe or effective. The censorship was not about protecting you—it was about protecting them.

And now? Now it’s time to use this vindication as fuel. Not for revenge, but for revolution. A revolution of truth, health, freedom, and justice.

They tried to bury us. They didn’t know we were seeds.

The Epstein files are a smoking gun. A paper trail. A confession written in emails, financial structures, and offshore accounts.

They prove what we’ve been saying all along:

  • The system is rigged.

  • The elites are criminals.

  • The pandemic was planned.

  • The censorship was coordinated.

And we were right. 👍

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💳Citi’s Strategy to Dominate Institutional Payments💳

Citi's Institutional Payments Strategy

Citi’s Strategy to Dominate Institutional Payments is built on a foundation of technological innovation, strategic simplification, and a laser focus on institutional clients. The bank has transitioned from a fragmented global retail bank to a streamlined provider of high-margin institutional services, with its Treasury and Trade Solutions (TTS) and Securities Services segments now considered its "crown jewel." This shift, led by CEO Jane Fraser, involved exiting 14 international consumer markets and slashing decades of "tech debt" through a multi-billion-dollar partnership with **Google Cloud**, creating a modern, unified data and cloud infrastructure.

At the core of Citi’s dominance in institutional payments is Citi Token Services, a blockchain-powered platform launched in September 2023. This service converts client deposits into digital tokens, enabling 24/7, real-time cross-border payments, automated trade finance, and just-in-time liquidity management. By using private blockchain technology managed entirely by Citi, clients avoid the need to host their own nodes. The solution has been successfully piloted with Maersk and a canal authority, demonstrating how smart contracts can reduce transaction times from days to minutes—mirroring the functions of traditional bank guarantees and letters of credit.

Citi is further strengthening its position through strategic partnerships, such as its collaboration with Coinbase to expand digital asset payment solutions for institutional clients, enabling seamless fiat-to-crypto transitions. The bank is also leveraging generative AI to automate regulatory compliance, improve cash forecasting by 50%, and reduce operational case times by 90%, directly enhancing the efficiency and reliability of its payment services.

With a global network spanning 95 countries and a focus on real-time, transparent, and programmable financial services, Citi is redefining the institutional payments landscape. Its strategy—centered on infrastructure modernization, digital asset innovation, and client-centric automation—positions it to capture market share from both traditional banks and fintechs, particularly as cross-border instant payments become the norm by 2028.

As blockchain infrastructure inches closer to the core of global finance, a consequential debate is taking shape inside banks and among institutional investors.

What form of digital money will ultimately dominate on-chain settlement?

Stablecoins have so far captured the spotlight, buoyed by rapid adoption and growing regulatory attention. But a different shift is underway inside the banking sector, where executives are increasingly confident that tokenized bank deposits, and not privately issued stablecoins, could become the preferred on-chain dollar for institutional and wholesale use.

“We don’t start with the asset,” Biswarup Chatterjee, global head of partnerships and innovation, Citi Services at Citi, told PYMNTS. “We typically start with our client need, and then we look at the pros and cons of each type of asset or financing instrument.”

For institutional money, innovation can often begin with constraint.

“When you’re dealing with money as a financial institution, you’re acting in a fiduciary capacity,” Chatterjee said, framing why safety and soundness dominate early conversations with clients.

From that perspective, the critical questions around new digital instruments are regulatory and operational before they are technological. Are these assets well-regulated? Do they operate within clearly defined legal frameworks? Can they be governed with the same rigor as traditional deposits or securities?

For institutions that manage systemic liquidity, and their clients, those questions are becoming non-negotiable. Within that context, tokenized deposits are what is emerging as a natural evolution of existing bank money.

“Within the bank’s network, tokenized deposits are an efficient way for our clients to be able to get that 24/7, always-on availability,” Chatterjee said.

The Race to Define the On-Chain Dollar for Institutional Use

By anchoring decisions in client economics and workflows, banks are positioning themselves less as promoters of specific technologies and more as integrators tasked with assembling the right mix of tools for each use case. Institutional clients are not simply looking for digital replicas of existing money; they are grappling with the friction of moving funds across use cases and jurisdictions.

“There’s this constant need to transform money across its various forms and shapes,” Chatterjee said, adding that payments, working capital and financing increasingly overlap, and inefficiencies emerge when money cannot move fluidly between those roles.

By representing deposits on distributed ledgers, banks can offer real-time movement of money across accounts, entities and geographies without leaving the regulated perimeter. For enterprises and institutions, this promises faster settlement, improved liquidity management and reduced operational friction, all without introducing new balance sheet or counterparty risks.

In this sense, tokenized deposits may turn out to be less disruptive than they appear. They modernize the plumbing of banking rather than bypassing it, extending familiar money into programmable environments.

Regulation, Interoperability and the Velocity of Money

The moment money exits a bank’s direct network, however, the strengths of tokenized deposits begin to fade. Cross-border payments, underbanked regions and counterparties outside major financial institutions can expose gaps in reach and efficiency when it comes to tokenized deposits.

This is where Chatterjee said he sees a role for stablecoins, not as competitors to banks, but as connective tissue.

“When money leaves the bank’s network and goes out into the external ecosystem, that’s where we see the role of stablecoins coming in,” he said, assuming they operate in a “very safe and sound and regulated manner.”

The result is likely to represent not a binary choice but a continuum. Just as checks, wires, cash and instant payments coexist today, digital money is likely to fragment into specialized forms optimized for different environments.

At the heart of the impact financial blockchain is having on digital money’s evolution lies a deceptively simple question: What makes money “good”?

For Chatterjee, the answer hinges on universal acceptance and trust.

“What makes a currency strong … has a lot to do with universal acceptance,” he said.

Assets that cannot be readily transferred or accepted risk becoming stranded, unable to circulate productively; while trust is fundamental to the value and stability of money, no matter its form. That logic applies equally to tokenized deposits and stablecoins. Without trust and transferability, neither is likely to function as a true institutional settlement asset.

Despite the focus on tokens and technology, Chatterjee was clear about where long-term value resides. It is not in the token itself, but in service.

“Client service and the client experience is what is going to drive the winning proposition,” he said.

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New Allegations Link Former National Intelligence Leaders Clapper and O’Sullivan to UFO Shoot-Down and Retrieval Program

Written by Christopher Sharp - 24 January 2026

Multiple sources have told Liberation Times that, during the Obama administration, senior intelligence figures James Clapper and Stephanie O’Sullivan oversaw a program relating to Unidentified Anomalous Phenomena (UAP) within the Office of the Director of National Intelligence. 

The sources allege the effort involved the shootdown and recovery of exotic vehicles thought to be of non-human origin.

Three separate sources told Liberation Times that Clapper allegedly ran the program alongside O’Sullivan, dating back to his tenure as Under Secretary of Defense for Intelligence from 2007 to 2010

During that period, O’Sullivan led the CIA’s Directorate of Science and Technology before being promoted in 2009 to become the agency’s third-most senior officer.

One source alleged to Liberation Times that Clapper and O’Sullivan oversaw a program codenamed ‘Golden Domes,’ which the source claimed was jointly run by the CIA and the United States Air Force (USAF), where Clapper previously served.

The source further alleged that the program could detect and track UAP even when ‘cloaked’ and as they physically manifested.

The same source claimed the program employed a mix of electronic and laser-based capabilities intended to bring down what the source described as ‘exotic non-human vehicles.’

Sources were unable to offer Liberation Times a clear explanation for why the U.S. government would choose to engage UAP, including whether any such actions were taken routinely, in specific circumstances, or in relation to any potential understandings or rules of engagement involving other purported non-human factions.

In the recently released documentary ‘The Age of Disclosure’, James Clapper alleged that a secretive USAF program had been actively monitoring UAP, particularly over the highly classified Area 51 facility in Nevada - an epicentre of cutting-edge military development and testing.

Clapper, a former Chief of USAF Intelligence, stated:

“When I served in the Air Force, there was an active program to track anomalous activities that we couldn’t otherwise explain - many of them connected with ranges out west, notably Area 51.”

In a recent interview with journalist Megyn Kelly, former intelligence official, USAF veteran, and UAP whistleblower David Grusch claimed that James Clapper managed a UAP program, stating:

“I'm a little bit disappointed as a fellow Air Force officer…. That's all he said in the documentary: that there was a program he was aware of. 

 

“In fact, without being inappropriate, I will say that General Clapper was well aware of the crash retrieval issue, managed the crash retrieval issue, and, when he was a DNI [Director of National Intelligence], USDI [Undersecretary of Defense for Intelligence and Security], DIA [Defense Intelligence Agency], he placed people in critical roles to manage this issue, both publicly - and I'll just say not publicly as well - and I'll allow the audience to distill what I'm saying at the, at the risk of being inappropriate or going too far with my discussion. 

 

“So General Clapper, Stephanie O’Sullivan, other folks in the IC [Intelligence Community] that are well aware of this issue, that were in rooms discussing this issue, I ask you to be greater leaders on this. I should not be the only former military officer and intelligence official that is being completely candid with the information that they were exposed to.”

Grusch’s lawyer, Charles McCullough III served as the Intelligence Community Inspector General, reporting directly to then–Director of National Intelligence James Clapper.

In that role, according to his biography, McCullough ‘oversaw intelligence officers responsible for audits, inspections, and investigations. Furthermore, he was responsible for inquiries involving the Office of the Director of National Intelligence as well as the entire Intelligence Community.’

                            Above: Charles McCullough, III and James Clapper

Grusch, in that same interview, also alleged that former Vice President Dick Cheney, who has since died, was the “closest person” to a “mob boss,” exerting “central leadership” over UAP-related activities.

Notably, Dick Cheney’s wife, Lynne Cheney, served on Lockheed Corporation’s board of directors from 1994 to 2001.

Against that backdrop, in written testimony to Congress, Lue Elizondo, the former director of the Pentagon’s Advanced Aerospace Threat Identification Program, claimed that Naval Air Station Patuxent River in Maryland was among the sites prepared in connection with an alleged transfer of UAP materials to Bigelow Aerospace from Lockheed Martin - an organisation long accused of involvement in an alleged UAP reverse-engineering program.

In a 2013 Fox News interview, Dick Cheney said he first met James Clapper around 25 years earlier, when Clapper was serving as a USAF intelligence officer in Korea.

James Clapper served as the fourth Director of National Intelligence under President Obama from August 2010 to January 2017. Before that, he was Under Secretary of Defense for Intelligence from 2007 to 2010 under President George W. Bush and Vice President Dick Cheney.

Clapper also previously served as Director of the National Geospatial-Intelligence Agency and Director of the Defense Intelligence Agency

In his book Facts and Fears, he recounts how he was assigned as the USAF senior resident officer at the National Security Agency (NSA) to represent Air Force interests. In February 1980, then-NSA Director Vice Admiral Bobby Inman presided over Clapper’s promotion to colonel, as he assumed responsibility for all Air Force personnel stationed at the NSA.

Clapper writes in his book that he served as an intermediary for Vice Admiral Bobby Inman, whom he describes as “an icon and a legend” and who has also been alleged to be a UAP gatekeeper.

Inman was clearly aware of the link between O’Sullivan’s former office and UAP-related matters. In a now-public phone call with NASA engineer Bob Oechsler, Inman said that Everett Hineman, then Deputy Director of the CIA’s Directorate of Science and Technology, would be “the best person” to ask whether any recovered UAP vehicles might be made available for technological research outside military channels.

Notably, former NSA administrator Mike Rogers has recalled in an interview that, while serving as Director of National Intelligence, Clapper unexpectedly ordered him and his team to review the NSA’s files and provide everything relating to UFOs.

Upon being nominated as Director of National Intelligence by President Obama in 2010, Clapper was described as having developed close ties to the intelligence community during his long career and is particularly close to senior managers at the CIA.

In 2011, Clapper recommended that President Obama nominate Stephanie O’Sullivan as Principal Deputy Director of National Intelligence (PDDNI). 

Before her nomination, O’Sullivan served as the CIA’s Associate Deputy Director from December 2009 to February 2011, working alongside the Director and Deputy Director to provide overall leadership of the agency, with a particular focus on day-to-day management. 

                                                Above: Stephanie O’Sullivan

Before that, she served as the CIA’s Deputy Director of Science and Technology for 4 years. According to Liberation Times sources, the CIA’s Directorate of Science and Technology has and continues to be involved in coordinating UAP retrieval missions and safeguarding technologies derived from UAP-related research carried out by the Department of War (DoW) and its contractors.

Based on the best available open source information, previous Deputy Directors of the CIA’s Directorate of Science and Technology include:

  • Albert Wheelon 1963-1966

  • Carl Duckett 1966-1967

  • Leslie Dirks 1967-1982

  • R. Evan Hineman 1982-1989

  • James Hirsch 1989-1995

  • Ruth David 1995-1998

  • Gary Smith 1999-1999

  • Joanne Isham 1999-2001

  • Donald Kerr 2001-2005

  • Stephanie O’Sullivan 2005-2009

  • Glenn Gaffney 2009-2015

  • Dawn Meyerriecks 2015-2021

  • Todd Lowery 2021-present

In his book, ‘Facts and Fears’, Clapper writes that he knew O’Sullivan by reputation as a brilliant technical engineer, and that then-CIA Director Leon Panetta put her forward to him as his deputy - someone who could help cover his blind spots when CIA-related issues arose

Clapper describes the day of O’Sullivan’s confirmation to PDDNI - a title O’Sullivan jokingly referred to as ‘P-Diddy’ - as ‘an extremely happy one’. Their working relationship within the ODNI was extremely close, and Clapper has written that he learned to adopt the line “Stephanie speaks for me, even when we haven’t spoken.”

O’Sullivan entered the intelligence world after responding to a cryptic newspaper classified advert seeking an “ocean engineer”. That move led her to TRW, the defense contractor absorbed into Northrop Grumman, and later the Office of Naval Intelligence. Liberation Times sources allege that Northrop Grumman’s Tejon Ranch Radar Cross Section Facility in southern California is a site where UAPs are routinely retrieved.

Since her retirement from government in 2017, O’Sullivan now serves as a member of the Board of Trustees of the Aerospace Corporation and is on the Board of Directors of Battelle Memorial Institute. 

Battelle and The Aerospace Corporation have both been referenced publicly in connection with UAP programs

Sources also note that O’Sullivan sits on the board of HRL Laboratories, formerly Hughes Research Laboratories, part of the wider Hughes corporate legacy that is closely associated with the Hughes Glomar Explorer, the vessel later linked to the CIA’s effort to recover a sunken Soviet submarine.

Sources told Liberation Times that Stephanie O’Sullivan has been questioned by the Senate Select Committee on Intelligence about her alleged role in a UAP program

The sources further allege that she misled committee members, including then Senator Marco Rubio, now Secretary of State, by nervously claiming that she had no involvement.

Allegations of kinetic engagement have surfaced in other contexts. 

In written testimony submitted to Congress, journalist George Knapp relayed what he said he was told by figures linked to a former Russian Ministry of Defense UAP program: that Russian fighter aircraft were dispatched to intercept UAP on numerous occasions and, in a small number of cases, were ordered to fire. 

Knapp wrote that after several alleged incidents in which aircraft subsequently crashed, a standing order was issued instructing pilots to disengage and ‘leave the UFOs alone because, quote, “they could have incredible capacities for retaliation.”’ 

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