Meet Frank369: The 20-year-old running a professional coaching program for traders

Frank369 is a 20-year-old trader and educator running The Matrix Unlocked, a 12 week coaching program with students spanning university age to hedge fund managers. Read on to find out how Whop helps him ship and scale at speed.

I spent just over two hours talking with Frank369 across time zones (him in Dubai, me in Australia), about trust, trading, and why he thinks most communities are built backwards.

At 20 years old, Frank runs a 12-week coaching program and community used by everyone from first-time traders to hedge fund professionals. 

He walked me through how The Matrix Unlocked actually works: onboarding, coaching, accountability, and why most trading communities fail the moment they try to scale.

You could call him a prodigy (I mean, he was successfully trading crypto at 13), but he isn’t looking for that label. 

Even joining the call from the custom interior of his Mercedes, the vibe wasn’t pretentious. It was confident.

Frank’s story is pretty crazy, but not the kind of crazy that involves partying on super yachts or chasing clout. It’s the kind of crazy that consists of endless work: building, formulating, testing, and refining. 

And it’s what separates TMU from every trading community online.

Raised inside the system; taught to question it

Like most teenage traders, Frank found crypto through social media. But unlike most? He stuck around long enough to understand how it really worked.

Frank grew up around finance, just not the version most retail traders ever see.

His mother spent two decades working in banking, which meant conversations about markets, institutions, and money weren’t just abstract ideas picked up from YouTube.

They were dinner-table topics. 

My mother supported me from the beginning. She left a career that was 20 years long in banking, so she knew that decentralized finance was the future, and trusted me to prove myself.

Frank saw early how centralized finance operates: the layers of control, the incentives, and the distance between institutions and the individuals inside them.

That exposure did two things.

Firstly, it gave him a deeper understanding of how financial systems actually function (or are rigged, as Frank says). Secondly, it made him sceptical of the idea that institutions automatically know best.

While most teenagers were still getting their heads around basic economics, Frank was eagerly watching the actual markets move. 

He started trading crypto at 13, turning a few hundred dollars into a few thousand, and quickly realised the gap between what formal education promised and what markets demanded.

In his mid-teens, he enrolled in a well-known institutional trading mentorship from the Inner Circle Trader. Frank spent the next few years dissecting time and price at a level most retail traders never reach.

School felt slow, abstract, and arbitrary. Trading didn’t. Still, Frank resisted the urge to drop out (something his father, someone who favored a traditional career path, was grateful for). 

However, at 18, he decided against continuing his formal education. He knew markets rewarded action, precision, and presence. He knew they offered feedback in real time. 

So, he bought a one-way ticket to Dubai and placed himself in the center of a rapidly growing DeFi hub. 

Dubai, decentralization, and destiny

By the time Frank booked his flight to Dubai, he wasn’t chasing scenery or status. He was chasing proximity.

All those things are empty. Status symbols, hedonism, partying. I’m most happy in the trenches, building, moving forward, working on something real.

Dubai is a rapidly growing hub for builders in decentralized finance: people shipping products, testing ideas, and operating at rapid speed. Being around that energy mattered.

New environment, higher stakes. What worked scaled quickly. What didn’t, broke (fast).

That feedback loop sharpened how Frank thought about both trading and education. Around this time, he noticed a gap in the trading content ecosystem. 

This is something our head of marketing, Brett Malinowski, always tells you guys is key to getting ahead online: 

If it's already been done on YouTube before, people aren't going to watch it.

To hit the algorithm, you need people to stick around, so if you’re making the same video as everybody else, you're not going to stand out, and you're not going to keep people retained.

– Brett Malinowski, Whop Head of Marketing

Frank noticed most trading creators on YouTube were posting hindsight charts, motivational noise, or heavily edited highlight reels. 

Hardly anyone was showing live execution: the actual practice of drawing lines and predicting the future, which is what trading is about, according to Frank.

I found a hole in the industry with the sort of content I could make. Nobody was making straight-up trading execution videos, so I did. YouTube loved that and showed my videos at scale to other traders.

It worked because his content wasn’t selling anything. No signals. No funnel. Just process.

His YouTube and Discord channels began to compound purely on trust. Traders stayed because what they were seeing felt rare.

Frank wasn’t selling shortcuts; he was showing what was going on behind the scenes of financial markets, explaining concepts deeper than surface level.

He knew he was blessed to see through the noise in the markets and found it his responsibility to share that knowledge with others. 

Putting education out publicly was Frank’s way of giving back and testing whether people would commit when there was nothing to buy. They did. Massively.

Three questions I was asking myself as I grew with my content were, Can I make an impact? Yes. Can I make people profitable? Yes. Understand, utilize, and change their lives with trading? Yes.

The free-first strategy behind Frank’s success 

Before his current high-ticket offer, Frank offered education that was open, public, and uncompromised.

On his public YouTube channel, traders didn’t just get fed answers. They got frameworks, market breakdowns, and context. 

It’s the kind of material most communities keep gated behind a paywall (not because it’s secret, but because it requires effort to engage with properly).

Sharing it for free? Yeah, that approach scaled, fast.

My mentor said to me, Frank, you have had a low ticket mentorship for 2 years, where you’ve produced so much content. Throw it out for free on YouTube, and use it as a funnel to move to a high-ticket, exclusive offer.

What started at zero now has thousands of students active across TMU’s free education and tools. 

There was no launch hype or artificial scarcity, just consistent distribution of work that felt different from what traders were used to seeing.

Frank puts that down to one thing: trust earned over time.

You need moments to reflect on to remember how far you’ve come and the people you’ve helped.

That’s why he keeps an archive of messages, reviews, and emails. It’s not for marketing, but for perspective. 

Other creators are so hungry for money, and they’ll post that stuff, but to me, that stuff is so personal. I would never use it for advertising or to make money.

Frank knows he had access to financial insight, market structure, and honest feedback long before most people. Scaling that access felt like the point. 

Free, in this case, isn’t a loss leader. It’s a filter.

Think about it this way. Why do people go to the circus? Because they’re seeing something unusual, something they shouldn’t.

I am everything I shouldn’t be, doing everything I shouldn’t do. Right now, I’m spending over six figures a month to build free software.

The traders who engage deeply, show discipline, and stick around without being sold to are the same ones who later qualify for TMU’s paid layer. 

Because this isn’t a coaching program with a goal of admitting as many students as possible. Instead, it’s highly selective, which is precisely how Frank wants it.

Our offer is high-ticket, but the filtering process goes beyond price. Our remote 'closers' are called enrolment advisors.

They’ll interview applicants to see if they’re a good fit. Not everyone gets accepted.

It’s that level of exclusivity that has everybody watching him, all the way to Silicon Valley higher-ups and banking and hedge fund managers.

The Matrix Unlocked: is this the most advanced trading community online?

As Frank’s audience grew, a pattern emerged. Traders didn’t want more videos or more charts. They wanted proximity. Accountability. A structure that would force them to operate with discipline, not motivation. 

That’s something low-ticket communities can’t deliver, no matter how much content they add. TMU was built to solve that.

Fulfilment is handled automatically, and by my team, so that I can focus on being present and providing personal value.

The Matrix Unlocked isn’t a course you buy and disappear into. It’s an operating environment. 

Traders are onboarded deliberately, paired with an accountability buddy and a dedicated coach (yep, that’s a 2:1 model), and as a result, are held to a standard that makes casual participation impossible.

Sure, TMU includes a wide range of experience levels (from university students and career-switchers to seasoned professionals). Still, everyone inside is expected to operate at the same level of seriousness. 

Traders who want signals, shortcuts, or validation don’t make it past the first conversation. What sets TMU apart isn’t exclusivity for its own sake. Its structure.

And the results speak quietly but clearly.

Inside TMU are traders who’ve moved from inconsistency to profitability, from side-income to full-time trading, and from isolation to operating inside a professional environment. 

I used ICT’s YouTube channel and Twitter spaces to get all my information.

It wasn't until the beginning of 2024 that I started looking into your content, and I was like, this dude just doesn't miss.

– Chibu, TMU Student

Instead of blasting personal messages and stories as marketing, Frank interviews willing students on his YouTube channel who openly discuss how his education changed their careers, finances, and lives.

It’s pretty epic social proof. 

One or two years ago, I studied Frank’s free material. As soon as I saw that he was doing a one-on-one mentorship, I decided to leap.

It was the best decision I have ever made in my life.

– Alessandro, TMU Student

The Matrix Unlocked is being built to become the most recognised trading platform online, but recognition doesn’t equal access. 

Standards come first, and scale follows.

Why automation matters when you’re building at scale

As his business grew, Frank ran into a problem most founders don’t hit until much later: everything was working, but only because he was everywhere at once.

The free education. The paid platform. Coaching standards. Onboarding. Payments. Access control. 

Every layer depended on his presence, and while that kind of pressure is manageable when you’re small? It becomes dangerous when you’re trying to scale into something global.

Frank had already built TMU around the idea of breaking out of flawed systems (like markets that reward insiders and structures that keep most people reacting instead of understanding).

Ironically, his own business was starting to mirror the same weakness: too much reliance on a single point of failure. Then his body forced the issue.

A health scare following an incident involving a Dorito (yes, the corn chip) landed Frank in the hospital resulting in a life-threatening scenario due to lack of oxygen.

It was a hard stop, and it forced him to think about the future of his business.

Health is the foundation. Rock bottom is something all founders face at some point, and that felt like mine. It forced me to slow down.

But slowing down didn’t mean shrinking the vision; it meant rebuilding the structure underneath it.

If TMU was going to become the most recognised trading platform in the world (with software, education, content, and an entire community operating in parallel), it couldn’t depend on one person being online at all times.

I’m automating each step into software, building a tighter backend structure, and have hired around 30 employees.

How Whop helps Frank streamline his business operations

That’s where Whop helps Frank lighten the load, handling the unglamorous (but critical) layers of The Matrix Unlocked automatically: secure payments, high-ticket checkout, financing options, gated access, content delivery, and member management.

All without custom infrastructure holding everything together with duct tape. 

For a platform like TMU, that means traders can be onboarded cleanly, access can be controlled precisely, and payments can scale (globally) without adding operational risk.

By removing friction from delivery and payments, Frank can focus his energy where it matters most: refining his systems, building software with his dev team, and staying present with his students.

I’m aiming for full omnipresence. Software, platform, content, advertising. Soon, everyone who knows trading or finance will know The Matrix Unlocked.

That’s the goal, and it will happen. Probably sooner than anyone expects.

And honestly? He’s right. Because his business structure has been built to scale long-term.

Building in a way that doesn’t burn you out

A lot of trading creators follow the same arc: rapid growth, a peak, then quiet burnout. 

The content treadmill gets heavier, expectations rise, and eventually the business becomes unsustainable (financially or mentally). 

I pulled the data on every creator who hit $10K and plateaued. If you hit $10K and stall, you have about 10 months before you quit.

– Tiana Porta, Growth at Whop

Frank was conscious of that pattern and deliberately built against it.

His internal rule is simple: keep raising the bar every single day. That’s why TMU keeps evolving beyond content into software, automation, and real-world trading pathways.

Regardless of how far you come or how much success you achieve, more money only adds more problems. It doesn’t make you happy. You need something more. You need purpose.

That awareness shows up in how TMU is designed. 

The platform isn’t optimised to squeeze maximum revenue out of a single offer. It’s built to compound, with clear next steps for both the business and the traders inside it.

Some TMU students are now being onboarded onto manual trading desks, turning education into execution and giving the platform a path beyond info products altogether. 

For Frank, that progression matters. 

Because his long-term ambition isn’t to stay an educator forever, but to become one of the youngest hedge fund managers in the world, with TMU as his proof of experience.

How epic is that?

Growing credibility in a volatile corner of the internet

Online trading is one of the hardest niches to build in. That's not because demand is low, but because trust is. 

More than almost any other online category, it’s surrounded by uncertainty, bad actors, and short-lived success stories. Audiences are sceptical by default, and for good reason.

Frank built inside that environment anyway, and what set him apart wasn’t a promise of certainty in uncertain markets. It was the opposite. 

He showed the work. He gave away depth that most creators guard closely. He made execution visible, outcomes contextual, and discipline non-negotiable. 

Over time, that approach carved out a reputation that didn’t rely on theatrics or guarantees, just consistency and proof.

I think people probably think this guy just turned 20, how does he know this, where did he learn this, how is he getting such great results, why isn’t he partying and blowing cash?

High-ticket education only works when trust is already established, and in trading, that trust is fragile. Frank didn’t shortcut it. He earned it slowly, in public, and at scale.

Automation to remove fragility. Software to enforce standards. Clear pathways beyond education, including execution environments and real trading desks. 

And a long-term ambition that extends beyond being an educator at all.

In a niche defined by uncertainty, Frank showed honesty, humility, and dependability.

And that’s why, in a space where most names come and go, his is still compounding.

Build your high-ticket offer and community with Whop

High-ticket offers come with complexity.

You need payments to work globally (and at scale), financing for buyers who don’t want to pay everything upfront, and delivery that’s reliable, secure, and doesn’t break the moment your audience grows faster than expected. 

That’s where Whop comes in.

• Host and gate product access
• Payments, renewals, upgrades, and cancellations
• Financing options
• One clean dashboard

If you’re a trader thinking about launching your own offer, community, or education platform, the lesson is to take Frank’s approach seriously: build something real, give more than expected, and choose infrastructure that lets you scale without compromising how you operate. 

Launch your trading offer today, with Whop as your wingman.