DFIN (Decentralized Finance), Web 3.0, DeFi, Banking, Digital Finance
and Economic and Political Inputs That Impact Asset Values Since 1996

The Digital Financier Since 1996
DFIN Finance

Domain a
nd Digital Real Estate Advisor
 


Gary Lewis Evans, Pioneer Internet Banker and Digital Real Estate Expert  is available for Speaking Engagements

See New Featured Digital Real Estate Report in Table Below
New 2025 Report - The Future of Digital Real Estate

Digital Real Estate Full 2025 Report

The DFIN Domain Grading System
AAA - NR

Trademark + 4 Digit Domain = The Perfect Brand For Sale

Domains For Sale or Lease Option

Metaverse

Digital Real Estate Links


Like Bond Ratings, The Initial DFIN Domain
Value Grade Range is from AAA to NR
 

 

  The Initial DFIN Domain Value Grade Range is from AAA to NR 

DFIN’s initiative marks the first step toward launching a comprehensive domain rating system designed to attract wealth managers and family portfolio managers for a superior diversifying asset. An investor that only wants top quality expensive Domains may only want AAA to BB Grades. The investor may narrow down the search and only focus on a retail focused Domain name for expensive high turnover business such as cars or homes.

FOMO in digital real estate isn’t just hype; it reflects a seismic shift where digital assets are rapidly outpacing traditional property in importance. Powered by an efficient, global Internet backbone, the Domain Name System serves as an ingenious platform for communication, education, and commerce. While our current study zeroes in on domains as critical digital assets, our eyes are already on the next frontier: the Metaverse.

Digital Real Estate Report


Search For a Word or Topic on DFIN
 
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DFIN For News, Economics, Asset Values and a Special Focus on
Digital Asset Values

During my youth in the 50s I witnessed the residual fear from the 1929 market crash and the following real estate and economic depression. As I learned from my mentor in the 1970s, asset values range from rational to irrational.

The brilliant Warren Buffitt captured what I was taught in two of his wise quotes.

·       "Be fearful when others are greedy, and be greedy when others are fearful.”  Warren Buffett stated in a NY Times Op Ed. In 2008.

 

·       "Price is what you pay. Value is what you get." encouraging investors to seek undervalued opportunities rather than chasing trends. Warren Buffett attributed the quote to his mentor Benjamin Graham. Buffett highlighted this principle in his 2008 letter to Berkshire Hathaway shareholders, emphasizing its relevance to value investing. He explained that whether it is stocks or socks, buying quality items at discounted prices is a key strategy for success.

 DFIN starts with Macro Economics and monitors physical assets including real estate, equities, bonds, and the growing base of virtual and digital assets. Digital Real Estate is the DFIN #1 focus at this time.

As an investor and entrepreneur, I have purchased and used or positioned to use Domains for thirty years. At this time, I will offer to sell one or two of my Domain Farms ie: prepackaged Domains and use part of the money to purchase new digital real estate.

 
 
Start The Day - News and Tools

Start The Day

US Treasury
Yield Cure is a
Great Way to Start
Your Day

NEWS

News From Around
The World
Wolf Street

The Stories Behind Business, Finance, and Money - Often Unique Stories
DFIN on LinkedIn
x
Important News and articles
On DFIN LinkedIn
News For Online Car and Truck Sales

Manufacturers are Moving to an Agency Model

News For Global Warming

Lets Get Ready Because We Can't Stop It
News For New Car and Truck Power Sources

EV and More

News For Domain Names,
Metaverse
and
Other Non-Fungible Assets



Domain Name Dictionary

Frequently-used vocabulary within the domain name industry
KNOWLEDGE DATABASES

A growing database of knowledge
FDIC Bank Data & Statistics

Searchable databases to find information on specific banks, their branches, and the industry.
Domain-First Branding

How To Build A Winning Corporate Branding Strategy Kate Buckley Forbes Councils Member


Interactive U.S. and World Economic Data Calculators,
Including Inflation Rates, Includes a Time Value of Money Calculator

"Official Data is a website based in San Mateo, California that seeks to collect and process government data for the benefit of the public. Our vision is for technology to enable citizens to understand their government and make important life decisions based on facts."


Inflation Calculator

This easy to use inflation calculator uses official records published by
the U.S. Department of
Labor. Inflation has
averaged 0.94% per
year since 1635.


U.S. Inflation By Year

I
ncludes a nice Inflation Graphic,
1914 to present
Current U.S.
Inflation Rate

One table shows the inflation rate on a monthly basis for current year

Stock Market Returns Calculator

If you invested $100 in the
S&P 500 at the beginning of
 1957, you would have
about $65,980.22 at
the end of 2023,
assuming you
reinvested all dividends.

 


 Amazon Keyword Tool

The Amazon Keyword Tool is a free Amazon keyword research tool that dramatically improves the process of finding popular Amazon keywords for your Amazon listing - Saving you time on Amazon SEO.
Google Trends Time Capsule From 1999

Google Trends provides a unique look at what the world is searching for. The Google Trends Time Capsule outlines the top five “most searched” in a category each year from 1999
Google Trends
Explore what the United States and the world is searching for right now
 
       


The Future of Digital Real Estate

Digital Real Estate Full 2025 Report

The DFIN Domain Grading System
AAA - NR

Trademark + 4 Digit Domain = The Perfect Brand For Sale

Domains For Sale or Lease Option

Metaverse

Digital Real Estate Links




Featured Content November 2022 -  2027 Asset Weakness


Gary Lewis Evams The unprecedented COVID economy shutdown, expansive FRB monetary policies and excessive fiscal stimulus will result in the worst economy of my lifetime. Your home, stocks and many assets are going down in value.  Inflation will be worse than many have experienced. Unfortunately, inflation will be with us for longer than most expect.  When we factor in the work from home phenomenon, the result will be high office vacancy rates, lower office values and more bank problems.

The policies described above will lead to stagflation like I saw as a bank CFO in the late 70s and early 80s when Prime reached about 21%.  I am not saying 21% will be the current cycle high, but it could be.

 
The Opportunity

In addition to banking, Fintech (digital finance and technology) have been my life since the early 90s. My focus today is preparing for what I expect to be the worst economy of my life.

I have been a fiduciary for my entire banking career (three banks were family owned) and I have been hands on for all types of complex loan pool purchases and real estate workouts since the late 80s. This is unusual for a bank president but the pools were high risk, very profitable and sold at large discounts. More important, it was an opportunity to train staff. This will benefit loan pricing and sales when needed.


The depth of my skills range from manufacturing, automotive, construction, finance (as a CFO) technology, payments, Fintech and banking. Few can be a qualified receiver for both, a failing construction project and a technology company.

Gary Lewis Evans, Principal of DFIN is always looking for a challenge and is offering problem bank asset management, complex income property loan pool underwriting and managing receiverships as the receiver. This includes bank receiverships or rescues. My broad experience in leadership positions in every bad economic cycle since 1975 is unique in advisors. My due diligence is based upon hands on experience.  I am capable to both advise a bank and provide hands on project leadership or work with regulators on a bank receivership.

For those that are prepared, their is good news outside of the collapsing physical economy. The digital economy is growing. The Metaverse and Digital real estate is an opportunity for those that do their homework. Metaverse real estate is still a newer product that is experiencing wild swings in value, but I expect Metaverse real estate to do well in the long run.  I should mention Crypto Currency, but I have nothing good to say. One day Crypto, stable value currency, will be common and valuable. 

Why Are Home Prices Weak?   Excess Office Space Problem

Chapter Topic Index
Home Prices are Going Significantly Lower in 2022/2023

Office Space will suffer more
ESG -Coming Soon
ESG


The Metaverse

Virtual Real Estate Information and Education

DFIN
News On LinkedIn
Glossary

Fintech
-
Metaverse
-
Global Warming

U.S Debt Problem

The Elephant
in the room - $30T+Deb
t




Falling Home Prices

Real Estate and Home
Prices Will Crash in 2022
and 2023.  March 2022 is
about as good as
pricing gets.  We are
on the Road to
Lower Prices. 
- It's Just Math
Domain Names
 and The Metaverse



News On LinkedIn
CPI Calculator

In 1957 Two McDonalds Hamburgers would have cost  .30 cents. Comparable to $3.22 in August 2022 Dollars
Financial Calculator
Calculator
Gary Lewis Evans
Summary Bio


Gary Lewis Evans
Detailed Bio


Gary Lewis Evans
Receivership Bio
Tax Research 
A Focus on Domain Names

Domain names are the real estate of the future
Cyber
Security

Information and Education

Join with Dfin in the
Metaverse,

SEE RFP


We will bring decades
of banking experience
 and Great Domain Names
Guest Articles
Digital Real Estate Home     Metaverse
Historic Info
The Mortgage Rate in America
Every Year Since 1972
Confusing Climate Change Predictions Visual Capitalist

Great Data and
Timely Graphics
COVID 19

The Lingering Impact
on the Economy
St. Louis Federal
Reserve Bank
30 Year Mortgage Rates
FHLMC
Primary Mortgage Market Survey®

WHOXY
Who Owns a Domain?
More Info Then The

Typical Whois

 
 
DFIN Insight Includes Opinions and Analysis

Digital Real Estate Links Below
Digital Real Estate Metaverse     Domains For Sale

Lets Track Digital Real Estate to Ever Higher Prices

Economics
Graphics
and
Charts


Sometime a Picture is
Worth 1,000 Words
Poverty
in
 the US


A Little Freedom Will Go a Long Way
CyberCatch
 
Cyber Security

Cyber Catch
 
Opinion
on
Digital

Assets


Domains -
NFT -
Metaverse
The
Dumbest
Generation


A DFIN Special
Collection
  of Articles
Some are Funny
and Others
 are Sad
Who Owns The
Nissan
Brand


Nissan Motor
Sued Nissan Computer For Trademark Infringement, Trademark
Dilution And Cyber-
Squatting Seeking
10 Million
Dollars In Damages,
Nissan Motor Won't win.
AI Demo

A very good demo of AI using Google Assistant to make a restaurant reservation
DFIN
Comments


Non-Fungible,
Domain Farm, NFTs,
Blockchain and

Crypto Currency
Indian Country - Needs Help
This is a Great Opportunity
   Financial Snapshot
of Native
Americans
7 reasons to invest
in domain names

Free from tax and
 insurance.  Cost-
effectiveness. Limited
 supply and growing  demand. Unique value.
Capital appreciation. Depth of
 investment. ROI
The Path
to
Open Banking


1994 the first of three phases
began when I was president
La Jolla Bank in
La Jolla California.
This first phase
was branded  as Bank of
The Internet (BofI).
How Much House Can I Afford?

Home Affordability Calculator
This is a very
easy tool to use
Great explanation
of key items

You Can Make Your Own Fuel

DIY Home Biodiesel Production: 
fuel independence. Step by Step
Here’s how to settle
 your loved one’s
 estate after they
 pass away


The first step is getting
 recognized as executor
 by the court and
taking inventory
of the deceased
possessions
10 cheapest
U.S. cities to buy a
home and what
makes them special -
Market Watch


Growing working from home and or the Metaverse this markets should experience a revival
S&P/
Case-Shiller
 U.S.
National
Home
Price Index
Claiming Reserved
 HNS Names


How to easily claim
 reserved HNS names.
Handshake’s blockchain
 design is truly one of a kind. Web2 participants
 to the web
.
The Path
to
Open Banking


1994 the first of three
phases began
when I was president
La Jolla Bank
in La Jolla California. 
This first phase
was branded
 as Bank of
The Internet (BofI).
The Future of
Banking Digital
Cash & DeFi
For The Metaverse

Bank Advisory, Project Management, Receiverships

DFIN – DFIN premiered in the McGraw-Hill book, The Financial Institutions Internet Sourcebook in January 1997. DFIN has been owned by Gary Lewis Evans and online since 1996. DFIN started with a focus on digital finance and has evolved to include DeFi, digital real estate, and the Metaverse. A common thread is asset values and events that impact the values.

Banking: My banking career began in 1971 and I was an Internet Banking Pioneer in 1994 as President of La Jolla Bank. I was a founder and CEO of BofI, (Bank of Internet) in 2000. The name was changed to AXOS in 2018. AXOS is the most successful and profitable modern digital bank.

Project Management / Consulting - As a long time, hands-on banker that learned the banking fundamentals in the 1970s, I have managed all aspects of a bank since the days when we only had ten key adding machines and minimal computing power. I have been a CEO, CFO, CCO and COO In addition to my operating skills, I have led the design and building of deposit and loan processing and servicing platforms that were powered by staff-built RPA. I have extreme banking knowledge and a history of innovation that will benefit a bank seeking the right path in the transition to the Metaverse. My skills are adaptable to help banks work with FinTech and help FinTech better understand banking issues.

In addition to bank projects and complex loan pool underwriting, I am reviving my receivership, asset management, and controlled bank liquidation skills.  


                                                                     
     See Receivership



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Aggregator
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Representations
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Fire
FIRE
neo bank
List of
Digital
Only

Neo Banks
US Census Data
US
Census
Open The Books
Join the Transparency Revolution!
Car Dealer 
Easy to Become a
Digital Car Dealer
         aptera
The First Solar Powered Car

Deloitte Launches
Unlimited Reality:
 An  Experience
and Impact
Offering for
 Virtual Worlds

Users of
Government
 Web Sites

DFIN HELPS
CFE Fund
Cities Deliver Financial Empowerment
Indian Country Today
 Indian Country Links
Salvation Army
The Salvation Army exists
 to meet human needs

Heterodox Academy
mom informed
Mom Informed


 
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Contact: Gary Lewis Evans, GLE@DFIN.com

PRIVACY NOTICE

LinkedIn Bio; https://www.linkedin.com/in/garyevans/


Copyright 1996 - 2025


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