Have $20,000

Safex & GVT

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Nigga you dont need 20mil to retire that's fucking crazy

in all seriousness, you really don't need 20m to buy a house nor retire. you can rent a shitbox 50k house for 800-1000 a month, at least where i live

Relex

Take a look at ZIPPIE (VB backs them)
GRAFT (already partnered with verifone for transactions)
NKN maybe if it's not a scam.