Jixjames

[David 'JoelKatz' Schwartz @JoelKatz]

I hear this will be the largest @RippleSwell yet. I wouldn't miss it.

The best part of these events is always seeing the new ways people are using XRP and building on the XRP Ledger. Looking forward to diving into core use cases around payments, tokenization, interoperability, DeFi, AI, and whatever comes next.

Bring your best ideas and meet me there, XRP community.

https://t.co/ZOxGt3Ni59

[Archie 👑 @Archie_XRPL]

🚨THE ISO 20022 DEADLINE IS COMING FAST - AND IT’S ABOUT TO IGNITE THE BIGGEST ADOPTION WAVE IN HISTORY! $XRP 🔥

WHEN TWO WORLDS COLLIDE💥

Army, this is the signal we’ve been waiting for.

The latest drop from @swiftcommunity confirms it:🫪

From November 2026, fully unstructured postal addresses will be banned in SWIFT’s CBPR+ messages.

Any payment that doesn’t comply gets rejected or delayed.

This is a hard, non negotiable deadline backed by countries worldwide to hit G20 goals for better data quality, transparency, and efficiency in cross border payments.

Banks across the planet now have a ticking clock. ⏳

They MUST upgrade their systems or get left behind.

Here’s how it all connects to XRP and why this is insanely bullish:👇

While traditional systems are scrambling to meet this deadline…
Ripple has been ISO 20022 compliant from day one.

RippleNet was literally built for this standard.

Ripple is an official member of the ISO 20022 standards body (first DLT company ever).

Ripple Payments (formerly ODL) already delivers instant settlement using XRP as the bridge asset - fast, cheap, and fully interoperable with the new ISO 20022 world.

This deadline doesn’t hurt XRP.

It supercharges it.🚀

Banks have no choice but to modernize.

They need solutions that are:

-Fully ISO 20022 compliant ✅
-Real time (seconds, not days) ✅
-Dramatically cheaper ✅
-Liquid and scalable globally ✅

XRP checks every single box - and then some.

This is how XRP will power the world:

Instant global payments🌍
Massive cost reduction 💰
Seamless bridge between old finance and the new decentralized future 🔗

Unlocking everything else: 🔓

Tokenisation of real world assets, DeFi on XRPL, financial inclusion for the unbanked, and frictionless value transfer at planetary scale.

The old SWIFT rails are being forced to evolve.

XRP is the missing piece that makes the entire upgraded system actually work at internet speed.

We are early. We were right. We are the XRP Army. 🪖

#XRP #XRPArmy #ISO20022

[WrathofKahneman @WKahneman]

#XRPL inflows looking good!

[Michelle Kirby X @michelekirby623]

DTCC's Nadine Chakar just Confirmed the July 13, 2026 soft launch for U.S. Asset Tokenization, where #Ripple Prime is positioned within the framework; stating the firm custodies around $115 trillion, processes 1.4M in securities, and settles roughly $4 quadrillion annually #XRP

[Swift @swiftcommunity]

📅 ISO 20022: A key deadline is approaching for cross-border payments.

From November 2026, fully unstructured postal addresses will no longer be supported in CBPR+ messages – payments risk being rejected or delayed if not compliant.

This change is a community‑driven standards evolution, endorsed through the formal maintenance process and country vote, and directly supports the G20 goals of improving data quality and transparency in cross‑border payments.

Prepare early and ensure data readiness: https://t.co/lUAMBURqow

#CrossBorderPayments #ISO20022

[TRON DAO @trondao]

Real-world utility is what drives adoption.

Through @uquidcard and #TRON, digital assets can be used on experiences that matter, from everyday purchases to global events. ⚽️🎟️

[WrathofKahneman @WKahneman]

🔬Interesting! Fonbnk lists #RLUSD, both #XRPL and ETH among its supported stablecoin assets. They are a stablecoin payco focused on cash & mobile markets esp. in Africa, Brazil, and the Philippines (significant areas for Ripple..)

[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.

[Monica Long @MonicaLongSF]

And we’re back for year 10 (!)…@RippleSwell 2026 will be our biggest event ever, with main stage keynotes, multiple tracks (Institutional, Ecosystem, and Innovation), and much more.

An experience that’s both audacious and illuminating, taking place in the financial capital of the world – that’s what you’ll find at Ripple Swell. See you there!

https://t.co/GSjp4rbTK4

[Brad Garlinghouse @bgarlinghouse]

I've been in crypto long enough to know when a moment is real. This is one of them.

10 years of Swell converging with real scale, institutional adoption, and Swell + Apex together for the first time this fall. We've been building toward this moment — see you in New York! @RippleSwell

https://t.co/Kzzcpb9NIB

[Marco Salzmann 🇩🇪🇻🇪 Ħ @MarcoSalzmann80]

🧵 Zebec, Stellar, Circle, MoneyGram, Stripe and Tempo may be building something much bigger than payroll.

They may be laying the foundations for financial infrastructure designed for both humans and machines.

At the center sits @StellarOrg.

Not as a speculative asset, but as a settlement and asset layer capable of moving regulated stablecoins, tokenized assets and digital dollars globally in seconds and at negligible cost.

@Zebec_HQ adds a distribution layer on top of that infrastructure.

@circle contributes another important piece.

Zebec recently joined Circle’s Arc Testnet, working alongside major financial institutions to explore more efficient USDC settlement.

Combined with native CCTP support on Stellar, USDC liquidity can move seamlessly across multiple blockchain ecosystems without relying on wrapped assets or fragmented liquidity pools.

In practice, liquidity originating on one blockchain could potentially settle and be distributed on Stellar while remaining fully fungible within the broader USDC ecosystem.

The Zebec-Stellar rollout itself represents the payroll layer.

But when combined with Circle’s CCTP on Stellar, MoneyGram access, embedded wallets and Stellar’s support for MPP, it begins to resemble a broader financial stack designed not only for employees, but eventually for autonomous software as well.

Employers can stream salaries continuously in $USDC, $EURC or potentially $MGUSD over Stellar instead of relying on delayed payroll cycles and legacy banking rails.

From there, value can move in three directions.

First, to people.

Through @MoneyGram’s integration with @StellarOrg, employees and contractors can convert digital dollars into local cash at more than 450,000 locations worldwide, even without a bank account.

Second, to people who prefer to stay entirely digital.

Funds received through @Zebec_HQ can be spent directly through cards, embedded wallets and consumer payment applications.

This is also where Zebec’s Stripe connection becomes important.

Through Privy, a @stripe company, Zebec can abstract away much of the wallet friction that usually keeps traditional users away from Web3 payroll.

Employees do not need to manage browser extensions or private keys.

They can access embedded wallets through familiar login methods, while the infrastructure underneath remains programmable.

And third, to machines.

@stripe and Tempo introduced the Machine Payments Protocol (MPP), reviving HTTP 402 “Payment Required” to enable autonomous agents to pay for APIs, SaaS subscriptions, datasets and digital services.

Stellar subsequently introduced support for MPP through its SDK.

With server-sponsored fees, AI agents do not need to hold native gas tokens.

They simply transact in stablecoins.

Three destinations.

• Humans can cash out.

• Humans can spend digitally.

• Machines can transact autonomously.

One settlement layer.

Infrastructure, not speculation.

@StellarOrg increasingly looks less like a payments network and more like a settlement layer for tokenization, stablecoins, payroll, remittances and the emerging machine economy.

None of these companies have publicly presented this architecture as a unified roadmap.

But the individual building blocks already exist.

@StellarOrg @Zebec_HQ @circle @stripe @MoneyGram

[X Finance Bull @Xfinancebull]

BOOM 🚨🚨🚨 THIS IS REALLY HAPPENING! $XRP LEDGER IS TAKING OVER AFRICA!

Ripple just made a strategic investment in Flutterwave, the largest fintech on the continent valued at $3.2 BILLION.

And RLUSD is going straight into its core payment rails.

Don't tell me you're still bearish here!

Let me put the scale in perspective.

Flutterwave has processed over ONE BILLION transactions worth more than $50 billion.

It serves over 900,000 businesses including Uber and Booking dot com.

It handles 500,000+ payments daily across 30+ currencies.

And now RLUSD becomes a primary settlement asset embedded into Flutterwave's payment rails and Send App remittance corridors.

The XRP Ledger handles faster transaction clearing.

A unified API bridges Flutterwave's network directly to Ripple Payments.

That means Africa's biggest payment company is building a stablecoin-first architecture on $XRP infrastructure.

-Multi-day delays gone.
-Inflated FX margins gone.
-Real-time settlement in.

The bigger the payment flows on XRPL, the stronger the demand case for XRP becomes.

Utility creates attention. Liquidity creates demand.

Ripple's MEA Managing Director said Flutterwave will drive stablecoin flows over the XRPL, deepening its role as a settlement layer for real-world payments across the continent.

An entire continent's commerce connecting to the global economy through XRPL rails.

The hundreds of billions in transaction volume Flutterwave processes now has a direct path to the ledger you hold.

This is the kind of adoption I waited years to see.
IT’S HAPPENING.

Years of patience for moments like this.

$XRP price action has been rough, but I’m not gonna lie, this got me fired up.

What’s next, Ripple?👀

[SMQKE @SMQKEDQG]

ISO 20022 is the method of interoperability.✅

And XRP will be the one of the compliant solutions interoperable with the SWIFT platform.💯

“This may cut the knees off bitcoin and other cryptocurrencies, as it would undermine the argument that crypto is a solution to outdated, centralised payments systems that place undue costs and barriers to remittance and financial inclusion.”🔻

Documented.📝👇

[Stellar Rippler🚀 @Stellar_Rippler]

🚨 BREAKING: China just hand-picked Standard Chartered, the ONLY Western bank explicitly in its new cross-border e-CNY network as the bridge between BRICS and the old financial system.

Coincidence? Think again.

Standard Chartered is a major stakeholder in Ripple, ran pilots on RippleNet, and now sits at the heart of China’s digital yuan push.

India is leading BRICS Pay (the SWIFT-killer linking CBDCs), and video shows Indian officials openly testing cross-border payments and CBDCs with… Ripple.

Russia’s FM Lavrov: “We’ll choose a neutral asset controlled by NO ONE.”

XRP as the neutral bridge?

The great financial reset is happening in plain sight.

[SMQKE @SMQKEDQG]

XRP 🤝 Indonesia

Documented.📝👇

[𝗕𝗮𝗻𝗸XRP @BankXRP]

@FlareNetworks 's CEO basically just spelled out the endgame for XRP holders 👀

FXRP bridges your XRP straight into a full smart contract environment use it as collateral, borrow stables against it, then put those stables to work for yield. Your XRP isn't just sitting there anymore.

Next layer coming: confidential compute for institutional-grade privacy, which Philion calls a prerequisite for real institutional DeFi to show up 🔐

More utility stacking on top of $XRP without touching the ledger itself

[CoinMarketCap @CoinMarketCap]

LATEST: 💰 Ripple invested in African payments firm Flutterwave at a $3.2B valuation, with RLUSD and the XRP Ledger set to support cross-border payments across Africa.

[🌟Dr.Crypto🌟 @xrp_ana]

RWA tokenization isn't a technology race anymore.
It's becoming a regulatory race.
VARA vs. MAS vs. MiCA vs. CLARITY
As trillions of dollars in RWA move on-chain, regulation may become more important than the technology itself.

🇦🇪 VARA (Dubai)
✅ Built specifically for digital assets
✅ Fast licensing and innovation-friendly
✅ Strong government support for Web3
❌ Newer framework with a shorter track record

🇸🇬 MAS (Singapore)
✅ Global reputation and institutional trust
✅ Strong banking and capital markets
✅ Deep regulatory expertise
❌ More conservative and slower to approve innovation

🇪🇺 MiCA (European Union)
✅ First comprehensive crypto framework across 27 nations
✅ Creates legal certainty for exchanges, issuers, and stablecoins
✅ Massive addressable market
❌ Compliance can be expensive and complex
❌ Less flexible than Dubai for early-stage innovation

🇺🇸 CLARITY + GENIUS Act
✅ Potentially the largest prize of all
✅ Brings long-awaited regulatory certainty to U.S. digital assets
✅ Could unlock institutional participation from Wall Street, banks, asset managers, and pension funds
✅ Complements the stablecoin framework established by the GENIUS Act
❌ Still evolving through the legislative process
❌ Implementation details remain important
My Take:
*Dubai currently leads in speed and crypto-native innovation.
*Singapore leads in institutional credibility.
*Europe leads in comprehensive regulation.
*The United States may ultimately lead in scale.
If CLARITY and GENIUS fully mature, the world's largest capital markets could gain a clear path to tokenization, stablecoins, and digital asset adoption.
The race isn't just about blockchain anymore.
It's about who becomes the regulatory home for the next generation of global capital markets.
#VARA #MAS #MiCA #CLARITYAct #GENIUSAct #RWA #Tokenization #XRPL #Blockchain #DigitalAssets #FutureOfFinance

[Flutterwave @theflutterwave]

Big news! 🌍🚀

@Ripple has made a strategic investment in Flutterwave as part of our Series E fundraising round.

We’ve spent years building our stablecoin infrastructure and today it’s live commercially with select merchants.

Together, we’re integrating RLUSD, Ripple Payments, and XRPL to make cross-border payments faster, cheaper, and more efficient.

The future of African commerce is being built now. https://t.co/qZ3hTHrh4X

[CoinDesk @CoinDesk]

NEW: @Ripple has taken an equity stake in @theflutterwave, now valued at $3.3B, with the deal including integration of $RLUSD and the XRP Ledger into the African payments giant's cross-border infrastructure.