Modulr now a direct participant in CHAPS, giving it all three major UK bank-payment rails. Ripple chose Modulr in 2022 specifically because it could connect RippleNet payments into UK/Euro payment rails & settle funds at the Bank of England.
Now it gets really serious on the XRPL.
Institutions are coming on to the XRP Ledger for borrowing and lending amendment with clear commitment. Not a "maybe" or "perhaps". It's happening.
Clearpool provides the infrastructure (Permissioned Vault), Cicada provides the credit expertise (Loan Broker), and Ripple provides the capital (Depositor).
and the borrowers are FinTechs 👀.
Supply capital, earn yield, supply more capital -> Flywheel effect of compounding.
All on XRP using XLS-66 (Lending) and XLS-65 (SAV) features, XRP as native settlement asset across the flow and for fees / reserves.
More usage of the XRP protocol feeds the activity engine. Amazing to see this upcoming and next up is a demo of those flow!
🔬7 significant takeaways from #Ripple's Jeonbuk announcement you may have missed.* There's a lot under the surface. Listed from obvious to subtle⤵️
(*Im learning algorithm!)
🥇 CRYPTO TWITTER: COME TAKE YOUR BEST SHOT.
XRP Army. Bitcoin maxis. ETH faithful. Solana speed freaks. Bankers. FinTech nerds. Stablecoin builders. Ripple lovers. Ripple haters.
Especially the haters.
I have one question:
Name ONE FinTech company on Earth better positioned than Ripple for the financial system now emerging.
Not a better token.
Not a faster chain.
Not a bigger company.
Not your favorite bags.
One company. One integrated stack.
Payments + custody + stablecoins + institutional liquidity + prime brokerage + corporate treasury + an open-source ledger with native DEX, AMM, pathfinding and a neutral bridge asset - wrapped in 75+ regulatory licenses and nearly 14 years of infrastructure engineering.
Who beats it?
NAME THEM.
And here’s the fun part:
🔥 If I’m wrong, destroy my thesis.
😂 If I’m crazy, make us laugh.
🤬 If this pisses you off, tell us WHY.
🧠 If I’ve missed a competitor, educate me.
🚀 If I’m right, ask yourself the uncomfortable question:
How did almost everyone spend years arguing about the PRICE of XRP while potentially missing the SCALE of what Ripple was actually building?
No tribal safe spaces.
No “trust me, bro.”
No price predictions required.
Bring evidence.
Bring mathematics.
Bring architecture.
Bring receipts.
Bring your sacred crypto cow if necessary.
But bring your BEST argument.
Because the question isn’t whether you love Ripple.
The question isn’t whether you hate XRP.
The question is far more interesting:
If the future is thousands of tokenized currencies and assets moving 24/7/365 while autonomous AI agents relentlessly hunt maximum liquidity, minimum slippage and lowest-cost compliant settlement…
WHO BUILT THE BEST MACHINE FOR THAT WORLD?
I made my case.
👇 Read my Substack. Then come back and try to change my mind.
Friends welcome.
Foes encouraged.
Silence is the only boring response.
🥊 RIPPLE: THE FINTECH THESIS
Read it. Challenge it. Break it - or help prove it.
LET THE BEST ARGUMENT WIN.
🔗 https://t.co/7i4ekapy1B
That's why you should dgaf about SWIFT.
Banks and institutions will leapfrog and bypass legacy systems like SWIFT, just like Jeonbuk Bank in Korea 🇰🇷. A subsidiary of JB Financial is also actively testing a Korean Won (KWN) stablecoin.
Ripple Payments is also coming on chain to the XRP Ledger DEX. With Permissioned DEX and Domain for compliance.
By setting up trading venues like with EUROP and $RLUSD (i made a video on this!) or with Bitso who's issuing mexican peso. In this case, a KWN stablecoin issued on the XRPL seems very logical in the future and to support Ripple Payments.
Jeonbuk Bank is the first regional bank in Korea to deploy Ripple Payments, replacing multi-day SWIFT transfers with near real-time, 24/7 cross-border settlement for its business customers. Our third Korean partnership this year, after Kyobo Life Insurance and Kbank, partnering on custody, wallet infrastructure and payments.
Korea’s leading financial institutions are building with Ripple: https://t.co/oSW94lTJ85
Agree! Staying positive is undoubtedly the superpower these days. 🔥
If you let negativity conquer your mind you've lost already.
If in doubt, remember that:
🔸 XRPL is more secure than ever (thanks to AI red team efforts)
🔸 v3.3.0 introduced very crucial new features that are useful for institutions AND retail as well (!)
🔸 While everyone and everything underneath the sun is getting hacked, the XRP Blockchain runs smoothly
🔸 Tokenization is ramping up and XRPL plays a key role
🔸 Ripple is onboarding Brazil and Japan to XRP
🔸 Way more interested parties in XRP than past cycles (ETFs, Evernorth, FXRP collateral)
🔸 No "Damocles Sword" (SEC lawsuit) hanging over Ripple any longer
It's okay to feel down from time to time but make sure you don't get lost in it.
There are good things happening every week that will further strengthen the adoption of XRPL and XRP as well.
But it's important to be open for it or you'll miss it. 🙂
Taipei this week: Taiwanese banks moved from "if" to "how" on tokenization.
Ripple's the one-stop-shop making it real see DBS x Franklin Templeton's 24/7 RLUSD ↔ sgBENJI settlement.
FIs: what's blocking your cross-border flows from going on-chain? 👀
$XRP $RLUSD
🇺🇸 SOLANA IS NOW LIVE ON THE XRP LEDGER DEX.
$SOL, wrapped and issued via Axelar's cross-chain infrastructure, is now natively tradable on XRPL.
Cross-chain liquidity, native settlement. $XRP $SOL
A stablecoin is an counterparty added tokenized dollar. If your thesis is that people want more counterparties and keep the USD as the defacto bridge and reserve asset in the future then that's your outlook.
My outlook is the world is moving away from a national currency being the bridge asset they want to hold to a world where native (!) digital assets like XRP ate perfectly positioned for such role on their respective networks. XRP is among the Top crypto assets for decade+.
JUST IN: Bank of Montreal (BMO) discloses XRP holdings in its Q2 13F-HR filing with the SEC.
Another major North American bank added to the growing list of institutions with reportable XRP exposure. $XRP
The $XRP Ledger introduced its first privacy amendment for voting.
Allowing balances and transfer amounts of tokens on XRPL to be encrypted, without a private walled garden chain.
Privacy on XRP.
“Regulatory clarity is the foundation of institutional trust.”
Last month, Ripple received full EU authorization for a MiCA Crypto Asset Service Provider (CASP) license from Luxembourg’s CSSF. 🇪🇺
With our EU EMI license, institutions across all 30 EEA nations can now collect, exchange, and pay out via Ripple Payments in a single regulated relationship.
Regulation-first, ready to scale. https://t.co/lesANFtmhQ