Jaakko Niemelä

Capturing the world through my lens. Building as an entrepreneur. Living the Apple ecosystem. Bullish on the future of finance and crypto.

[BULLRUNNERS @BullrunnersHQ]

🚨 RIPPLE'S CTO JUST DISMANTLED PROOF OF WORK

David Schwartz. The man who built XRP .No mercy. 👀
His exact words:

"The honest people have to actually pay MORE than the dishonest people are willing to pay." 🔥

He broke it down simply:

Imagine buying a new TV every week.Just to keep it secure. That's Proof of Work. 📉

Honest miners spend more than attackers are willing to. Forever. In an endless arms race. ⚠️

Worst cost-benefit security model in existence. ⛓️

👉 Translation: XRP's architect just called out Bitcoin's entire security model in one sentence. You're not securing the network. You're just burning more money than the hackers. The energy waste isn't a feature — it's the fundamental flaw. 🌍🚀🔥

Clipped by: @Xaif_Crypto

[🇬🇧 ChartNerd 📊 @ChartNerdTA]

🚨 BIG! Brad Garlinghouse spoke with @binance online today around the Merge of TradFi and Crypto Markets and stated: "The winners are going to be the ones who own the underlying infrastructure" and "tradfi is moving quicker than ever to meet the moment now." 🌐 $XRP #Ripple

[Kenny Nguyen @mrnguyen007]

🚨 🚨 BREAKING NEWS:

THE US SENATE BANKING COMMITTEE HAS PASSED THE MARKUP FOR THE CLARITY ACT.. ✅️ 📃 🇺🇸

15 -YES
9 -NO
2 DEMOCRAT SENATORS CROSSED PARTY LINE AND VOTE YES..

BOOOOOOM! 🔥 🔥 🔥 🔥 🔥

[RippleXity @RippleXity]

🚨 KNOW: Why The Hidden BlackRock + #Ripple Connection Is Bigger Than Any ETF Could Ever Be.

Most people think the BlackRock-Ripple connection is about a future $XRP ETF. They're missing the bigger story.

The real connection is already live. Already running. Already moving real money.

Let us break it down.

★ What Is BlackRock?

BlackRock is the largest asset manager in the world.

They manage over $11 trillion in assets — more than the GDP of every country except the United States and China.

When BlackRock moves, the world moves.

★ What Is BUIDL?

In March 2024, BlackRock launched the BlackRock USD Institutional Digital Liquidity Fund — known as BUIDL.

BUIDL is BlackRock's tokenized money market fund. It holds U.S. Treasuries, cash, and repurchase agreements. It pays interest daily. It settles 24/7 on blockchain rails.

It is BlackRock's official entry into on-chain finance.

★ The Hidden Chain Of Connection

Here's where it gets interesting.

Ondo Finance issues a tokenized U.S. Treasury fund called OUSG. OUSG is backed directly by BlackRock's BUIDL fund. And OUSG is now live on the $XRP Ledger.

That means:
BlackRock's BUIDL → Backs Ondo's OUSG → Lives on the $XRP Ledger → Settles using Ripple's $RLUSD stablecoin

In other words — when you transact OUSG on #XRPL, you are touching BlackRock's tokenized Treasury infrastructure.

The world's largest asset manager is now indirectly settling financial activity on the $XRP Ledger.

The Numbers:

➥ OUSG TVL: $670+ million
➥ Ondo Finance total platform AUM: $1.3+ billion
➥ BlackRock total AUM: $11+ trillion
➥ Tokenized asset market projection: $16 trillion by 2030
➥ OUSG previously only available on Ethereum, Polygon, and Solana — XRPL is now the first non-EVM chain BlackRock-backed assets touch

This is the first time a BlackRock-backed product entered a non-Ethereum-based ecosystem.

★ Why Is This So Significant?

BlackRock doesn't bet on hype. BlackRock invests in infrastructure that institutions can rely on.

When BlackRock-backed assets land on the $XRP Ledger, it's because #XRPL meets every institutional requirement:

➥ Native compliance features (DIDs, on-chain credentials, KYC/AML)
➥ 24/7 settlement
➥ Sub-cent transaction costs
➥ 13 years of zero downtime
➥ Built-in DEX for liquidity
➥ Permissioned domains for institutional restrictions

#XRPL didn't get chosen because it's popular. XRPL got chosen because it works.

★ The Bigger Picture

Tokenization is the biggest financial trend of the next decade. Every major bank, every asset manager, every government is planning to tokenize trillions of dollars in real-world assets.

BlackRock CEO Larry Fink has openly said the future of finance is tokenization.

When that future arrives, it needs settlement rails.

BlackRock backs BUIDL. BUIDL backs OUSG. OUSG settles on #XRPL.

The chain is already built. The infrastructure is already running. The world's largest asset manager is already inside the $XRP Ledger ecosystem — even if most people haven't realized it yet.

★ The Bottom Line

While retail investors wait for a BlackRock $XRP ETF, the real BlackRock-Ripple integration is already happening at the infrastructure level.

This isn't a partnership announcement. This isn't a press release.

This is BlackRock-backed Treasury bills running on the XRP Ledger right now, redeemable 24/7 using #Ripple's regulated stablecoin.

The world's largest asset manager is already on #XRPL.

Most people just haven't connected the dots yet.
The dominoes keep falling.

Follow @RippleXity for the deep links nobody else is connecting in the $XRP ecosystem.

[RippleXity @RippleXity]

🚨 KNOW: Why The Ondo + #Ripple + JPMorgan + Mastercard Pilot Just Changed Global Finance Forever.

Most people scrolled past this news. But what just happened is one of the biggest milestones in the history of tokenized finance.

Let us break it down in simple terms.

What Happened?
For the first time in history, a tokenized U.S. Treasury fund settled across borders and across banks in near real-time, outside traditional banking hours.

Four companies pulled this off together:

• Ondo Finance — issuer of OUSG (a tokenized U.S. Treasury fund)
• #Ripple — provided the $XRP Ledger as the public blockchain settlement layer
• Mastercard — routed transaction instructions through its Multi-Token Network
• JPMorgan (Kinexys) — delivered the actual U.S. Dollars to Ripple's Singapore bank account

What Is OUSG?
OUSG is Ondo's tokenized version of short-term U.S. Government Treasuries. It already has $670M+ in assets and is one of the biggest tokenized Treasury products in the world — alongside BlackRock and Franklin Templeton offerings.

In simple words — it's U.S. Treasury bonds, but on-chain.

How Did The Transaction Flow?
1. Ondo processed #Ripple's OUSG redemption directly on the XRP Ledger

2. Mastercard's Multi-Token Network routed the instructions to JPMorgan's Kinexys system

3. JPMorgan delivered the U.S. Dollars to #Ripple's Singapore bank account

All of this happened in real time. Across borders. Across banks. Outside banking hours.

Why Does This Matter For $XRP and XRPL?
This is the first time a public blockchain settled a cross-border tokenized fund transaction with global banking infrastructure in real time.

That public blockchain was the XRP Ledger.

Not Ethereum. Not Solana. Not a private chain.

The $XRP Ledger.

Why Is This A Big Deal?
• Traditional cross-border settlements take 2 to 5 days. This took seconds.

• Banks normally close on weekends and holidays. This worked 24/7.

• Tokenized assets have always lived in their own bubble. Now they're connected to the global banking system.

• $XRP Ledger just got chosen as the public chain that bridges traditional finance and tokenized assets.

The Bigger Picture
The future of finance is moving to a 24/7 global market that never closes. Trillions of dollars in tokenized treasuries, real estate, equities, and bonds will need a settlement rail.

JPMorgan processes $2B+ daily through Kinexys. Mastercard touches every payment system on Earth. Ondo holds $1.3B+ in tokenized assets.

All of them just chose the $XRP Ledger as the public blockchain to bridge their systems.

The Bottom Line
This isn't a press release. This isn't a pilot for marketing.

This is the first live proof that the XRP Ledger can serve as the settlement layer for the future of global finance.

While others fight for narrative, #Ripple keeps quietly building the infrastructure that the world will eventually run on.

The 24/7 global market isn't coming.

It just settled its first transaction.
On the $XRP Ledger.

[Jaakko Niemelä @Panoraamat]

@paulbarron Wow!

[Ondo Finance @OndoFinance]

Ondo, Kinexys by @jpmorgan, @Mastercard, & @Ripple successfully completed a landmark pilot transaction connecting the XRP ledger with interbank settlement rails.

This milestone marks the first time tokenized U.S. Treasuries have settled across borders and banks in near real time and outside traditional banking windows.

1. Ondo processed Ripple’s OUSG redemption on XRP Ledger

2. Mastercard's Multi-Token Network routed instructions to Kinexys by J.P. Morgan

3. J.P. Morgan delivered USD to Ripple's Singapore bank account

Tokenized assets are no longer separate from the global financial system. For the first time, a public blockchain and global banking infrastructure settled a cross-border transaction of a tokenized fund together in real time.

Together, we’re laying the groundwork for 24/7 global markets that never close.

[Ripple @Ripple]

This is a meaningful step toward 24/7 global financial markets.

By combining the XRP Ledger with global banking infrastructure, this pilot shows how institutions can execute cross-border transactions in a single integrated flow.

[Jaakko Niemelä @Panoraamat]

XRP Ledger saa todellista hyötykäyttöä maailman suurimpien rahoituslaitosten toimesta nyt päivä päivältä lisää. Tätä junaa ei pysäytä enää mikään tai kukaan 💪🏻

[Levi | Crypto Crusaders @LeviRietveld]

BOOOOOOOOOOOOOMMMMM!!!!!

Ripple along with JPMorgan, Mastercard, and Ondo successfully completed a pilot transaction connecting the $XRP Ledger with interbank settlement rails.

[DTCC @The_DTCC]

Building on the SEC's No-Action Letter related to DTC's tokenization service, DTCC has convened more than 50 firms through its Industry Working Group to inform the development of DTC’s tokenization service and support responsible exploration of digital asset use cases.

Join the conversation: https://t.co/4HcIQr5TNK

[Jaakko Niemelä @Panoraamat]

@Becky_very 5-10 USD

[Jaakko Niemelä @Panoraamat]

@mrnguyen007 Yes

[Jaakko Niemelä @Panoraamat]

@paulbarron Disagree.

[Jaakko Niemelä @Panoraamat]

@TheCryptoSquire NO

[XRP Bags💰👨🏽‍🚀 BagMan @XRPBags]

Two conferences.
Two completely different energies.

You seeing it yet? 👀

Bit🌽 — $XRP

[Jaakko Niemelä @Panoraamat]

Ripplen XRP:llä on yli vuosikymmenen etumatka ja auttamatta vanhentunut Bitcoin kykenee vain "arvon säilyttämiseen". Harmillista miten vähän ihmiset perehtyvät kryptojen tekniikkaan, ennen niiden ostamista. Jälkikäteen tämä takuulla harmittaa.

[STEPH IS CRYPTO @Steph_iscrypto]

🚨Most people don’t know this:

Back in 2013, Ripple co-founder Chris Larsen demonstrated sending Bitcoin instantly using Ripple’s network.

Instead of waiting 10 minutes for a Bitcoin block confirmation, the payment was routed through the XRP Ledger’s pathfinding system, converting assets and delivering BTC on the other side.

A decade ago, Ripple was already building what the industry now calls interoperability.

[Jaakko Niemelä @Panoraamat]

Lisää hyviä uutisia ensi viikolle!

[Levi | Crypto Crusaders @LeviRietveld]

THIS IS HUGE!!!

🇺🇸 THE UNITED STATES SENATE VOTES TO APPROVE THE 1st PRO $XRP FEDERAL RESERVE CHAIR NEXT WEEK.

[Eleanor Terrett @EleanorTerrett]

🚨JUST IN: Yep. Here’s the text given to @PunchbowlNews. ⬇️⬇️⬇️

[Jaakko Niemelä @Panoraamat]

Ripplen järjestelmiin on kytkeytynyt jo yli 13000 pankkia ja lisää tulee jatkuvasti. Finanssimaailman suurin muutos on käynnissä, mutta Suomessa tästä ei kirjoiteta tai puhuta julkisesti juuri mitään.

[Patrick L Riley ᐰ @Acquired_Savant]

If you missed yesterday's $XRP announcement, this is what I was referring to.

Most people still don't get the significance, so allow me to elaborate:

During SEC v. Ripple Labs it surfaced that there were 1,700 NDA's between Ripple and other companies. A lot of people speculated that those NDA's pertained to banks.

Yesterday's announcement is not Speculation. Ripple publicly confirmed not just 1,700, but 13,000 banks connected through their system where $12.5T flows.

Putting that into perspective, there are 4,336 registered 'Banks and Savings Institutions' in the United States. There are also 4,287 'Credit Unions'. Many of these institutions are international throughout Western civilization.

That means that Ripple is now promulgated into almost every western (anglo-society) banking institution. That is where the $12.5T number comes from.

But you don't care about that right? You want to know what it will do for the price of XRP. Let's go apply the Bakkes Pipeline (Stock to flow) model:

If 20,000,000,000 $XRP move $12.5 Trillion annually the average price per $XRP is $625. That $589 number and the chart I've shared many times do not look so far out of reach now, do they?

There is hopium, and then there is this 👇

[Jaakko Niemelä @Panoraamat]

Näin paljon vihaa ja pelkoa XRP:tä kohtaan Bitcoin ja Ethereum piireissä koetaan. 😂

[Vet @Vet_X0]

No way!! Brad Garlinghouse just spoke at XRP Vegas.

The sphere in Las Vegas refused to put XRP on it but BTC and ETH were fine.

The hate is so forced it's comical