Kate

[Kate @KpHTongio]

@EuroIRL @XRPee3 I bet most of it goes to the banks, Ripple keep their 20%. And then we have a supply shock 🚀

[Frank Lee @Mossosopo]

@McMichelSim “You can avoid reality, but you cannot avoid the consequences of avoiding reality.”

Ayn Rand

[JackTheRippler ©️ @RippleXrpie]

⚡️BREAKING: 🇪🇺 The DIGITAL EURO will be launched TODAY for Banks. — President of ECB, Christine Lagarde

The ERA of TOKENIZATION begins TODAY in EUROPE!🔥

[Kate @KpHTongio]

@szerelemforever @LukeRichar6071 We have been growing into who we need to become.
The person we were always meant to be.
11 years for me. And boy what a journey. 🚀

[Kate @KpHTongio]

@Bungamedingos @bearableguy123 well done 🚀

[Bungamedingos @Bungamedingos]

I DIDN’T KNOW YOU GUYS COULD DANCE? 😂🕺

🌙 CLARITY AFTER DARK 🌙
🎵🎶🎵
@bgarlinghouse @JoelKatz @chrislarsensf

#XRP #Ripple

[Iso Ledger @JamesDula82]

Have you ever tried to buy stablecoins?

Not bitcoin, not some altcoin.

A dollar-pegged token that's supposed to just be a dollar. See what it actually costs you to get one.

This is just my rant.

I bought $1,000 of USDC and $1,000 of USDT on Crypto. com with a debit card.

Here's the receipt, both purchases, same day.

USDC: $1,000 in, 953.33 USDC out. That's a $46.67 loss. 4.67% gone before I've done anything with the money.

USDT: $1,000 in, 942.54 USDT out. $57.46 gone. 5.75%. Worse than the USDC purchase, same platform, same card, seconds apart.

Where it goes: a $28.81 card processing fee, a $7.71 trading fee, and then a quiet markup baked into the "exchange rate" itself, 1 USDC listed at 1.01065 USD, 1 USDT at 1.02222 USD.

That's not a real rate.

A stablecoin is supposed to be worth exactly one dollar. That extra percent or two is spread, and it's not labeled as a fee anywhere on the confirmation screen.

This isn't just Crypto. com.

Coinbase's simple buy runs roughly a 1.5% spread plus up to 3.99% depending on payment method.

Kraken's Instant Buy runs about 1.5% spread plus a 0.9% processing fee.

Binance's card purchases run 1.8 to 2% on top of their own spread.

Card-funded purchases are expensive everywhere. My numbers are actually right in the middle of the pack.

So you try the other way. Bank transfer instead of card. Cheap, sometimes free.

Except then you can't touch it.

Kraken's own support page: ACH deposits are locked from withdrawal for 7 days, no exceptions, applies to any crypto or cash that comes from it.
Binance .US's own help center, word for word: "the 7-day hold period cannot be waived, shortened, or bypassed under any circumstances."

Coinbase lets you trade instantly but multiple independent reports put the actual withdrawal hold at 7 to 10 days, sometimes longer, before you can move purchased crypto off the platform at all.

So that's the actual choice every single time. Pay 4 to 6% right now and get instant access. Or pay almost nothing and lose access to your own money for the better part of a week.

Here's the part that actually bothers me.

Every regulator, every institution, every stablecoin push this year is telling us this is the future. Move to stablecoins. Programmable dollars. Faster, cheaper, better. But nobody who's actually looked at what it costs to get into one in the first place is going to feel like that pitch matches reality.

You can't sell "faster and cheaper" while the on-ramp itself eats 5% and locks your funds for a week.

Does the CLARITY Act fix this? No.

Regulatory clarity around what a token is doesn't touch what it costs to buy one.

That's a market structure problem, not a classification problem.

I don't have a clean answer for what actually solves this.

Maybe you do, like paying their monthly subscription fee, but the general population does not.

Maybe it's more competition on the on-ramp layer itself.

Maybe it's regulation aimed specifically at how these fees get disclosed instead of buried in a fake exchange rate.

I genuinely don't know yet. But I know the current setup is eating people alive in fees while we're all being told this is the future of money.

🛡

[Kate @KpHTongio]

@DaimondBack88 @Ashley50239771 Send me a copy pls.

[Kate @KpHTongio]

@589charles @unknowDLT Borrow against you crypto, and earn yield off it, to pay back your loans. Less tax and never sell.

[Kate @KpHTongio]

@digitalassetbuy My ex has that for sure, drives me insane.
Thanks for posting this

[Kate @KpHTongio]

@uptownsaul @buticularius Brilliant , Love it

[Kate @KpHTongio]

@Tanncoodsxs Well said.
I read the infamous letter
What 13 years ago.
It revealed everything.
So yes
I KNOW.

[Kate @KpHTongio]

@xrp_seer @ExtraVOD_ I meant Circle,
Sorry have a migraine 😔

[Kate @KpHTongio]

@xrp_seer @ExtraVOD_ What the riddle about the blue and green lights.
Was it,, follow the green light, the blue light will avalanche.
Tether & Coinbase??

[Kate @KpHTongio]

@mrnguyen007 Thanks Kenny ☺️
I went catatonic for a little while after seeing the footage.
Just horrific 😢 💔

[Joel Mun @9oelM]

Made a short video on the Single Asset Vault (XLS-65) on the XRP Ledger.

Before you can borrow on-chain, the money has to come from somewhere. The vault is that shared pool. You deposit, you get shares back, and those shares are your slice of it. If the pool earns, your shares can be worth more when you redeem.

First in a series on on-chain lending.

[Kate @KpHTongio]

@BasilTheGreat He must need a carer.
So he should move in with Albo"s family
till he gets better.

[███████████████ @g_985589]

IT IS TIME.