When Tan Gera transformed $57,000 into over $1.87 million in just months using his proprietary ABN System, it wasn't luck. It was the systematic application of institutional-grade analysis to an asset class that most traditional investors still don't understand.

Now at Decentralized Masters, over 4,000 investors are using the same framework to generate returns that make traditional banking look obsolete. With 400+ five-star reviews on Trustpilot and members collectively managing over $4 billion in assets, the ABN System represents a fundamental shift in how individuals approach wealth building.

Developed by CFA charterholder and former Wall Street investment banker Tan Gera, the system addresses three fundamental inefficiencies in traditional finance: forced dependency on intermediaries, limited access to institutional-grade opportunities, and the wealth extraction model that benefits institutions at individual expense.

What Exactly Is the ABN System?

The ABN System breaks down into three distinct phases, each designed to position investors as their own financial institutions rather than dependent clients of traditional banks.

Unlike typical crypto education programs that focus on trading or speculation, the ABN System applies institutional portfolio management principles to decentralized finance. The goal isn't just higher returns, it's complete financial sovereignty.

"We're not teaching people to trade crypto," Tan explains from his Dubai headquarters. "We're teaching them to eliminate banks, brokers, and financial advisors entirely. True financial sovereignty."

The system operates on a mathematical principle that traditional finance deliberately obscures: the house always wins because the house collects fees on every transaction. The ABN System positions individuals as the house.

Phase A: Building Your All-Weather Portfolio

The first phase draws inspiration from Ray Dalio's approach that built Bridgewater Associates into a $150 billion hedge fund. Instead of traditional stocks and bonds, members construct portfolios using tokenized versions of these same asset classes.

This means tokenized real estate, tokenized bonds, tokenized stocks, and tokenized commodities like gold all held in personal hardware wallets with no intermediaries. No brokerage accounts, no real estate agents, no bank custody.

The portfolio allocation varies based on individual risk tolerance and goals, but the underlying principle remains constant: diversification across asset classes with direct ownership and control.

What makes this revolutionary is accessibility. Tokenized assets allow fractional ownership of previously exclusive investments. A $1,000 investor can own pieces of Manhattan real estate alongside Bitcoin and government bonds all in the same wallet.

The result is a scientifically designed portfolio that can potentially thrive in any market condition, bear or bull, without paying traditional intermediaries.

Phase B: Becoming Your Own Bank

This phase flips the financial equation entirely. Instead of paying fees to banks, members learn to collect them.

The process starts with stablecoins—digital dollars pegged 1:1 to the U.S. dollar that provide minimal volatility while earning 5-20% annual yields based on recent market data. This alone outperforms most traditional savings by 10-40x.

Advanced allocations move into what the platform calls "blue chip" crypto assets: Bitcoin, Ethereum, and other established protocols that offer 30-150% annual yields while maintaining strong fundamentals.

The key insight is market structure. Traditional banks use depositor money to generate 15-20% returns while paying depositors 0.5%. DeFi protocols cut out the middleman, allowing individuals to capture those returns directly.

Members essentially become the bank, earning passive fees on every transaction while maintaining full control over their capital. The passive income is generated regardless of market direction, and fees are collected whether prices rise or fall.

Phase N: Native Market Access

The most powerful component addresses what institutional investors call "Native markets"—early-stage opportunities before mainstream exchange listings like Coinbase or Robinhood.

The mathematical advantage is undeniable. Historical analysis shows Solana traded at $0.95 in Native markets before reaching $44.45 on mainstream exchanges—a 4,679% difference. Raydium went from $0.33 to $16.77, representing 5,082% missed returns for mainstream-only investors.

This phase operates exclusively using profits from Phases A and B, meaning members play with house money while positioning for asymmetric returns.

Decentralized Masters maintains a full-time team of 35+ analysts who scout, vet, and surface opportunities before they hit mainstream awareness. The research team maintains an 86% win rate across 450+ investment opportunities identified.

"This means buying before assets get listed on Coinbase, when the lion’s share of the profit is gone already" Tan emphasizes. "We're accessing the same early-stage ecosystems where today's top assets once traded for cents."

Real Results From Real Members

The platform's transparency extends to performance reporting. Unlike traditional finance, where results get obscured by complex fee structures, members receive real-time tracking and detailed outcome documentation.

Case studies include members generating $900,000+ from single strategies, 5x portfolio multiplications, and retirees creating sufficient passive income streams without touching principal investments.

The company has a 67% retention rate on its membership - demonstrating long-term success & loyalty built with its community members.

These results reflect systematic methodology rather than speculation. Each opportunity undergoes comprehensive analysis: tokenomics modeling, smart contract audits, team verification, competitive assessment, and regulatory risk evaluation.

The community aspect amplifies individual results. When 4,000+ educated investors share research, insights, and opportunities in real-time, collective intelligence creates compound advantages.

Members receive bespoke 1-on-1 mentorship, access to institutional-grade research, and participation in a vetted community of serious wealth-builders. It functions more like an elite investment club than traditional financial education.

Why This System Works When Others Fail

The ABN System succeeds because it addresses the fundamental inefficiencies that plague traditional finance rather than working within existing constraints.

Traditional banks profit from information asymmetry and forced dependency. They know things customers don't, charge fees for basic services, and maintain control over customer assets.

The ABN System inverts every aspect of this relationship. Complete transparency, direct asset ownership, eliminated intermediaries, and shared knowledge rather than hoarded information.

"In traditional finance, knowledge is power, and power is hoarded," Tan explains. "We've proven that sharing everything we know creates more value than keeping it secret."

The timing aligns with broader market shifts. As institutions like BlackRock and JPMorgan build crypto infrastructure—with Bitcoin ETFs driving $50+ billion in institutional inflows—the validation of decentralized finance becomes undeniable.

But institutional adoption also creates urgency. The current advantage window for retail investors accessing Native markets before institutions won't remain open indefinitely.

The Bigger Picture

Decentralized Masters’ proprietary ABN System represents more than a simple investment strategy. It's a blueprint for financial independence that eliminates traditional banking relationships entirely.

Members learn to lend, borrow, save, and invest directly through decentralized protocols. They earn the fees that banks traditionally collect. They maintain custody of their assets without trusting third parties.

For investors frustrated with 0.5% savings rates while banks generate 20%+ returns using their money, the ABN System offers mathematical proof that intermediaries are unnecessary.

As Tan puts it: "The same methods Wall Street uses to build 9-figure portfolios are now being applied to digital assets, but with significantly higher return potential. The difference is that now we can provide that systematic approach to anyone, not just the ultra-wealthy."

For 4,000+ investors who've already made the transition, that difference is measured in financial freedom.