November 3, 2025
In partnership with
Welcome Back,
Hi {{rh_partner_name | there}}
Good morning! In today’s issue, we’ll dig into the all of the latest moves and highlight what they mean for you right now. Along the way, you’ll find insights you can put to work immediately
— Ryan Rincon, Founder at The Wealth Wagon Inc.
If you subscribed by accident or wish to no longer receive our content click here to un-subscribe →
PRESENTED BY THE AI REPORT
Join 400,000+ executives and professionals who trust The AI Report for daily, practical AI updates.
Built for business—not engineers—this newsletter delivers expert prompts, real-world use cases, and decision-ready insights.
No hype. No jargon. Just results.
Today’s Post
🌐 The Rise of Web3: Building a Decentralized Internet
Remember when the internet was just for browsing websites and sending emails? Then came social media, cloud computing, and the era of “Big Tech.” But now, another major shift is taking shape — one that aims to give control of the web back to the people. It’s called Web3, and whether you’re a developer, investor, or just an everyday user, it’s worth understanding.
Let’s break down what Web3 actually means, why it matters, and how it could reshape the future of the internet.
💡 What Is Web3, Exactly?
To understand Web3, it helps to know the three “eras” of the internet:
Web 1.0 (1990s–early 2000s): The “read-only” web — static websites, basic email, and slow connections. You could consume content but not create much.
Web 2.0 (mid-2000s–today): The “read-and-write” web — powered by platforms like YouTube, Facebook, and Google. Users create content, but corporations control data and monetization.
Web3 (emerging now): The “read, write, and own” web — where users can own digital assets, control their data, and interact peer-to-peer using blockchain technology.
At its core, Web3 is about decentralization — removing middlemen and giving people direct ownership over their online activity, assets, and identity.
⚙️ How Web3 Works
Web3 is built on blockchain, the same technology behind cryptocurrencies like Bitcoin and Ethereum. But unlike crypto, Web3 isn’t just about money — it’s about infrastructure.
Here’s what makes it tick:
Blockchain: A distributed database that records transactions securely and transparently.
Smart Contracts: Self-executing code that automates actions (for example, paying royalties directly to an artist every time their song is streamed).
Tokens: Digital assets representing ownership — of currencies, art, memberships, or even digital property.
Decentralized Applications (dApps): Apps that run on blockchain networks rather than corporate servers.
In short, Web3 replaces centralized control with community governance. Instead of Facebook owning your photos or Google tracking your searches, you keep your data — and decide who gets to use it.
🪙 Real-World Examples of Web3 in Action
Web3 isn’t some far-off concept — it’s already happening. Here are a few ways it’s being used right now:
Decentralized Finance (DeFi): Platforms like Aave and Uniswap let users lend, borrow, or trade assets without banks. Transactions happen instantly, globally, and with lower fees.
NFTs (Non-Fungible Tokens): Artists and creators are selling digital artwork, music, and collectibles directly to fans — with verifiable ownership on the blockchain.
Decentralized Autonomous Organizations (DAOs): These are community-run groups that make decisions collectively using smart contracts. Think of them as internet-native companies with no CEO.
Decentralized Storage: Services like Filecoin and Arweave store data across networks of computers, not in a single company’s data center.
Even big players are jumping in. Companies like Reddit are experimenting with blockchain-based “Community Points,” and Nike is using NFTs to authenticate sneakers.
⚖️ The Pros and Cons
Like any major tech shift, Web3 comes with both promise and problems.
The Benefits:
✅ Ownership: Users finally control their own digital identity and assets.
✅ Transparency: Transactions are public and verifiable — reducing corruption and hidden fees.
✅ Creativity: Artists, gamers, and developers can earn directly from their audiences without gatekeepers.
The Challenges:
⚠️ Complexity: Using Web3 apps often requires digital wallets and technical know-how.
⚠️ Scalability: Current blockchain networks can be slow and expensive when demand spikes.
⚠️ Security: Smart contract bugs and crypto scams remain major risks.
⚠️ Regulation: Governments are still figuring out how to manage decentralized systems.
Web3 isn’t perfect — but neither was Web 2.0 when it began. Many believe the growing pains are worth it for a more open, user-owned internet.
🧠 Why It Matters for You
Even if you’re not coding smart contracts, Web3 could impact your future in surprising ways.
For Creators: You can monetize work directly without platforms taking huge cuts.
For Businesses: Smart contracts can cut costs by automating deals and logistics.
For Everyday Users: You’ll have more privacy, fewer ads, and ownership of your online identity.
As one Web3 pioneer put it, “The future internet will belong to its users, not its landlords.”
🚀 The Takeaway
Web3 isn’t about abandoning the internet we know — it’s about upgrading it. It’s giving people ownership where they used to have only access, and participation where they used to have permission.
We’re still early in this transformation. Some experiments will fail, others will redefine entire industries. But one thing’s clear: the next version of the internet won’t just connect people — it will empower them.
The Wealth Wagon’s Other Newsletters:
The Wealth Wagon – Where it all began, from building wealth to making money – Subscribe
The AI Wagon – AI trends, tools, and insights – Subscribe
The Economic Wagon – Global markets and policy shifts – Subscribe
The Financial Wagon – Personal finance made simple – Subscribe
The Investment Wagon – Smart investing strategies – Subscribe
The Marketing Wagon – Growth and brand tactics – Subscribe
The Sales Wagon – Selling made strategic – Subscribe
The Startup Wagon – Build, scale, and grow – Subscribe
The Tech Wagon – Latest in tech and innovation – Subscribe
Side Hustle Weekly - Actionable side-hustle ideas and income tips - Subscribe
That’s All For Today
I hope you enjoyed today’s issue of The Wealth Wagon. If you have any questions regarding today’s issue or future issues feel free to reply to this email and we will get back to you as soon as possible. Come back tomorrow for another great post. I hope to see you. 🤙
— Ryan Rincon, CEO and Founder at The Wealth Wagon Inc.
Disclaimer: This newsletter is for informational and educational purposes only and reflects the opinions of its editors and contributors. The content provided, including but not limited to real estate tips, stock market insights, business marketing strategies, and startup advice, is shared for general guidance and does not constitute financial, investment, real estate, legal, or business advice. We do not guarantee the accuracy, completeness, or reliability of any information provided. Past performance is not indicative of future results. All investment, real estate, and business decisions involve inherent risks, and readers are encouraged to perform their own due diligence and consult with qualified professionals before taking any action. This newsletter does not establish a fiduciary, advisory, or professional relationship between the publishers and readers.