J Farias

[Brad Garlinghouse @bgarlinghouse]

The “Anti-Crypto Army” was defeated…
by the courts…
by the voters.
And by Trump.

It never made policy, legal or political sense.

Combatting financial innovation only helped protect those that wanted to keep an old, often broken, system in place.

[Anatoli Kopadze @AnatoliKopadze]

the engineer who built Claude Code just dropped a 28-minute video on how to write prompts that actually work

I've seen $300 courses that don't cover what he shows in the first 10 minutes

CLAUDE.md files, memory shortcuts, parallel sessions, prompting patterns

all in one video and completely free

works whether you're a developer, a beginner, or someone who's been using Claude for months

based on this, I put together 18 things you can copy and use in Claude today

full guide in the article below

[EasyA Labs @easya_labs]

$XRP is about to get its biggest upgrade yet

[Brad Garlinghouse @bgarlinghouse]

3 continents, 4 global office visits, 5 days. Crossed too many time zones to count...
Recently, @MonicaLongSF and I (along with others on the Ripple leadership team) traveled to Dublin, London, Singapore and Sydney to meet with the Ripple Team (many of whom joined from our acquisitions of GTreasury, Hidden Road, Rail, Palisade and Solvexia).

A few notes from the road -
1/ centers of gravity (business and/or employee) are never stagnant, and getting out of the US coastal mindset is imperative. It was incredibly energizing to hear from new and longtime Ripplers on what moves the needle where they are.

2/ Culture cannot be taken for granted. More than ever, we’re championing a maniacal focus and eliminating bureaucracy for employees to be owners. Don’t confuse activity with progress.

3/ Adoption doesn’t happen overnight. Platforms > point solutions. Meet customers where they are, not where they might be in a couple years.

4/ AI is becoming a fundamental part of our products – especially in cash forecasting and liquidity management in real-time for the office of the CFO. Employee productivity may be where AI starts, but the end goal is much bigger.

5/ 2026 is shaping up to be another defining year. We’re in the right markets with the right capabilities across payments, custody, liquidity and treasury management. There's a huge opportunity ahead, and we are making sure XRP is at the center of it.

[PaulBarron @paulbarron]

Thank you for your attention to this matter! $XRP

[PaulBarron @paulbarron]

HOLD ON TO YOUR HATS! 🎩💨

@Ripple Prime just high-fived @HyperliquidX, and the institutional doors aren't just open, they’ve been kicked off the hinges!

Here is why this makes $XRP look like a total winner:

The Big Money Magnet: 🧲 It’s like putting a "Free Pizza" sign in front of Wall Street. Huge institutions can now jump into on-chain derivatives without the headache.

One-Stop Shop: 🔥Cross-margining crypto with everything else? That’s smooth. Ripple is making the "Internet of Value" look easy, and XRP is the heart of that ecosystem.

🎯Institutional DeFi is HERE: 🏦 Ripple isn't just for payments anymore; they’re building the whole playground. More big banks on Ripple's rails = more utility for the entire eco..

The suit-and-tie crowd just joined the on-chain mosh pit, and things are about to get loud! 🎸📈

[Neha Singhal Trader @nsinghal211]

Save this video

[PaulBarron @paulbarron]

🔥What to expect at The Ondo Summit isn't just a roadmap update - could be a strategic @Ripple partnership impacting $RLUSD in a big way.

If the rumors of an "Ondo Chain" (Institutional L2) are true, the narrative changes overnight.
https://t.co/2d0hQDrpV3

[Neha Singhal Trader @nsinghal211]

If you are in doubt then watch this video

[Stephanie 🇬🇧🇺🇸🦍 @stephmase22]

🚨🚨 IS JP MORGAN FAILING 🚨🚨

If this video is correct JP Morgan has to close out 3.1 Billion ounces of Silver in 90 days.

Now this could be just a rumor but it is interesting.

[PaulBarron @paulbarron]

Worth the read $XRP

[PaulBarron @paulbarron]

🎯Banks are treating crypto regulation like a shield, but the Market Structure Bill was actually their only bridge to the future. 🌉

Blocking it doesn’t stop the tech; it just forces the innovation (and the capital) out of their reach. This was their chance to adapt and compete on a level playing field. Instead, they chose protectionism over progress.

You can't filibuster the future. 💰BUST THE BANKS
Crypto will win just like the internet did - just a matter of time, the US can lead or follow. $BTC $ETH $XRP $SOL

[David 'JoelKatz' Schwartz @JoelKatz]

@digitalassetbuy Compete? On a level playing field? Are you mad!?

[PaulBarron @paulbarron]

Huge Move: Interactive Brokers adds $RLUSD support for 24/7 account funding. 🏦✨

1️⃣ Instant Liquidity: Traders can now fund brokerage accounts in minutes via Ripple stablecoins, bypassing slow bank wires.
2️⃣ The Ripple Network Effect: As $RLUSD gains traction on major platforms, the underlying XRPL becomes the go-to rails for global finance.
3️⃣ Regulatory Green Light: IBKR is a highly regulated titan. Their adoption of Ripple assets is a massive stamp of approval for the entire ecosystem.

Is $XRP the next logic step for a full integration? The momentum is undeniable. 📈

[Tony Edward (Thinking Crypto Podcast) @thinkingcrypto]

JPMorgan Chase offers me 0.01 % in my basic savings account.

@UpholdInc @coinbase offer me over 3% on my stablecoins.

Hmmmm... which one should choose?

Jamie Dimon gets big bonuses and I get breadcrumbs. 🖕Jamie

[John E Deaton @JohnEDeaton1]

It's a simple question of loyalty for Senators: Do you stand with the retail investor/consumer - or do you stand with the banking elites who have rigged the system against the little guy for far too long? When I’m in the Senate, there will be no doubt who I stand with.

[Ripple @Ripple]

We’ve secured our preliminary Electronic Money Institution license approval from Luxembourg’s Commission de Surveillance du Secteur Financier (CSSF). 🇪🇺

This is a pivotal step toward scaling Ripple Payments across the EU, bringing institutional-grade digital asset infrastructure to the region. https://t.co/Q72ntwwjFB

The momentum is global:
→ 75+ licenses & registrations worldwide
→ $95B+ in volume processed to date
→ Reaching 90% of daily FX markets

With the EU taking the lead in building a regulatory framework for digital assets, we're helping institutions transition from pilots to commercial scale, and we’re bridging the gap between legacy finance and the digital future to unlock trillions in dormant capital.

[Stuart Alderoty @s_alderoty]

We’re on a roll with licensing momentum! 📷 @Ripple has secured preliminary approval for an EMI license from Luxembourg’s CSSF. This is a major milestone that will allow us to scale Ripple Payments across all 27 EU and EEA member states.
Huge congrats to the team for years of hard work. Ripple is now one of the most licensed crypto companies globally with 75+ approvals and counting.

[PaulBarron @paulbarron]

🇺🇸UPDATE 1: Senate Banking Committee Chairman @SenatorTimScott has released the bipartisan Crypto market structure bill text after months of negotiations.

🎯LOSS - Passive Yield for Stablecoin = GONE
The Act defines "Custodial and Ancillary Staking Services" as a recognized activity. It distinguishes these services as "administrative or ministerial in nature," allowing registered intermediaries to facilitate staking for customers.

The act requires that customer assets be segregated and not commingled with the platform's own funds, although they may be pooled with other customer funds for convenience (e.g., in an omnibus account).

✅STATUS QUO - AML / KYC - Strict for Intermediaries. Exchanges and brokers must comply with the Bank Secrecy Act, perform KYC, and monitor for illicit finance.

🔥WIN - Self Custody
Right to Self-Custody: Section 105(c) explicitly states that a "United States individual shall retain the right to maintain a hardware wallet or software wallet" for the purpose of facilitating their own lawful custody of digital assets.

Protection of Peer-to-Peer Transactions: The same section guarantees the right to engage in "direct, peer-to-peer transactions" with other individuals using self-custody wallets, without reliance on financial intermediaries.

Protection for Wallet Developers: Section 109 prohibits classifying non-controlling blockchain developers or providers of "hardware or software to facilitate a customer's own custody" as money transmitters. This protects wallet creators (e.g., @Ledger , @Tangem , @MetaMask developers) from being regulated as financial institutions solely for writing code.

🔥WIN - DEFI
The Act seeks to protect decentralized crypto by creating specific exclusions that prevent DeFi protocols and developers from being regulated as centralized exchanges or brokers.

DeFi Exclusions from SEC Regulation: Section 309 explicitly states that a person shall not be subject to the Securities Exchange Act solely for activities like:
Developing or publishing DeFi trading protocols.
Providing user interfaces (front-ends) for blockchain systems. Validating transactions or operating nodes.
The
impact on a consumer using DeFi products and protocols is generally protective, explicitly shielding individual users and software developers from the strict regulations applied to centralized exchanges (like Coinbase).

For consumers, the Act establishes a legal "safe harbor" to continue using DeFi without forced intermediaries, though it does not provide immunity for illicit financial activities.

🎯Likelihood of Passing
Current Status (Jan 13, 2026): Medium-High (60-70%)

👀The bill has a strong chance of becoming law in early 2026, but it will likely require either stripping out or softening the strict "Anti-CBDC" ban, or adding concessions to banks regarding stablecoin reserves, to clear the Senate filibuster threshold.

Full PDF: https://t.co/blPpfzPYKS

[Ripple @Ripple]

Today, our partners at @BNYglobal launched tokenized deposit services for institutional clients – bringing the promise of digital assets directly into the banking system – with Ripple Prime as an early adopter.

We're proud to expand our longstanding, strategic collaboration with BNY, the primary reserve custodian of $RLUSD.

Together, we are bridging traditional and digital markets.