W3M GLOBAL COMPETES IN A "10.9 TRILLION $ INDUSTRY" 3RD LARGEST INDUSTRY ON PLANET
1% DAILY PAY SYSTEM COMPETES WITH 200 TRILLION EARNING <10%
pays 1/4% - 1% every weekday UP TO 30X MORE THAN banks!!!
Money “in the bank” (deposits)
- $70 trillion in consumer deposits globally (checking + savings).
- Separately, the 1,000 largest banks reported ~$103 trillion in customer deposits (consumer + business) based on 2024 financial statements.
➡️ So “money in the bank” is at least $70T, and likely $100T+ when you include broader customer deposits.
Low-return investment pools
(typically <10% annual yield)
- Global fixed income (bonds) outstanding: $145.1 trillion.
- Worldwide money market funds: $12.31 trillion (Q2 2025).
- U.S. Money Loans Funds alone were $7.64T as of April 2026.
What that means in “trillions”
If you’re talking about bank deposits + conservative investment pools that are usually under 10%:
- Rough order of magnitude: $225T to $260T+
- Using $70T deposits + $145.1T bonds + $12.3T money markets ≈ $227T
- Using $103T deposits (big-bank customer deposits) + $145.1T bonds + $12.3T money markets ≈ $260T
THE W3M BOTTOM LINE IS:
“Conservatively, there are well over $200 trillion sitting in deposits and conservative investments that typically earn under 10% a year.” (SIFMA)