Anthony Ralphs

Ex Director Product Mgmt RLUSD @ripple. Tech, crypto, fintech, payments, modern money nerd. All views are my own. @moderndosh.bsky.social

[Anthony Ralphs @moderndosh]

Your crypto wallet doesn't hold your money. Never did.

It's a key manager. The money lives on the blockchain.

Delete the app → funds safe
Seed phrase stolen → funds gone

Know the difference. 🧵

https://t.co/fqgrMdz097

#Crypto #Bitcoin #Web3

[Anthony Ralphs @moderndosh]

Delighted to be part of the @GlobalDigitalFi Executive in Residence Programme! Looking forward to participating in GDF's work on Stablecoins, Tokenization and Payments.
#GDFInResidence #innovation #regulation #standardsetting #digitalfinance #newtechnologies

[Fireblocks @FireblocksHQ]

$24B tokenized. $247T in global AUM.

The gap? Interoperability.

Varun Paul, Senior Director for Financial Markets, contributed our perspective to the MIT/SODA whitepaper on global standards.

Read the White Paper on Interoperability Standards for Digital Assets from @MIT & Standards Organization for Digital Assets: https://t.co/9LhkkOpQS5

[Anthony Ralphs @moderndosh]

First post on my new blog, I am hoping to help demystify payments and crypto through my posts, I hope this is useful #payments #Crypto #DLT #blockchain
https://t.co/xe60cokKBX

[Ripple @Ripple]

Introducing the #RLUSD advisory board with deep experience in traditional finance, government, and regulation, guiding the responsible introduction of RLUSD to market.

[Anthony Ralphs @moderndosh]

Another step forward! $RLUSD

[Ripple @Ripple]

Today at #RippleSwell, we’re proud to announce our Ripple USD exchange partners.

Upon regulatory approval, $RLUSD will be globally available for institutions and users from @UpholdInc, @BitStamp, @Bitso, @Moonpay, @Indereserve, @CoinMENA, and @Bullish.

https://t.co/iZ7L1MHpn3

[Anthony Ralphs @moderndosh]

Super excited to share this news

[Ripple @Ripple]

Testing, testing…RLUSD! We’re excited to share that Ripple USD (RLUSD) is now in private beta on XRP Ledger and Ethereum mainnet. RLUSD has not yet received regulatory approval and therefore is not available for purchase or trading – please be cautious of scammers who claim they have or can distribute Ripple USD. https://t.co/soQ2KNh4yW

[Ripple @Ripple]

Testing, testing…RLUSD! We’re excited to share that Ripple USD (RLUSD) is now in private beta on XRP Ledger and Ethereum mainnet. RLUSD has not yet received regulatory approval and therefore is not available for purchase or trading – please be cautious of scammers who claim they have or can distribute Ripple USD. https://t.co/soQ2KNh4yW

[Dave "Someone you trust is one of us" Birch @dgwbirch]

Whether cryptocurrency becomes mainstream or not digital assets mean that there will be real disruption in financial market infrastructure in the not-too-distant future: https://t.co/7VYq96TnfZ

#DigitalAssets #Blockchain #Bitcoin #Cryprocurrency #Tokenisation #DigitalCurrency

[Anthony Ralphs @moderndosh]

Amazed at the effort and cost now to pay in a cheque @HSBC_UK removing branches, lack of communication about closures. Putting the cost on the customer. #timeforchange #payments #banking #poorcx #innovation

[Antony Welfare @AntonyWelfare]

“With that, It is important to note that Ripple has been one of the leading providers as its CBDC platform offers an all-in-one solution that provides governments with everything they need to deploy and maintain a reliable CBDC.” https://t.co/kXN9OvGlhQ

[Antony Welfare @AntonyWelfare]

In a recent trip to Georgia 🇬🇪 with the #CBDC team, our VP James Wallis spoke to Georgian National TV on why the Ripple technology was chosen for the Digital Lari project, what the pilot will look at and how the focus is on use cases for the country 👌👌

https://t.co/m1tmgnZReW

[EasyA 🤳📱 @easya_app]

Just 2 weeks since launching our #XRPL challenges and they’ve already become another SMASH hit. A show-stopping 10,000 builders have now embarked on their #60DaysOfXRPL journey 🥊

Now, learn the technicals of how EVM has finally come to the XRP Ledger. Ready? Hop on to our 3rd challenge now!

[Anthony Ralphs @moderndosh]

Great conversation getting into the weeds

[Antony Welfare @AntonyWelfare]

A great addition - I have been working with Ross since I joined 2.5 years ago - What he doesn’t know about Ripple payments and the #XRPL is not worth knowing 👌👌

Last week in NYC we were discussing cryptography with @moderndosh and enjoying a little 🍷

[Anthony Ralphs @moderndosh]

At what point do you switch? This feels like a game of chicken as the number of skilled Cobol programmers reduces @Chris_Skinner #digitalbanking https://t.co/qnBDJXsCTq

[Anthony Ralphs @moderndosh]

@dgwbirch Will it be matter enabled?! ;-)

[Anthony Ralphs @moderndosh]

Exploring the Advantages and Considerations of Central Bank Digital Currencies | Ripple, latest post on our site #cbdc #ripple https://t.co/GQVewJjJHT

[Simon Taylor @sytaylor]

As a former banker: The Bitcoin ETF matters. Ex-colleagues across big banks I used to work with agree. Here's why 👇

The ETF approvals mean that any pension fund or retail investor can buy Bitcoin without opening a Crypto wallet or ever touching the underlying asset.

🧠 The ETF is a true watershed moment for banks internally. I spoke to senior leaders at several bulge bracket banks on Monday at the Palace of Westminster, and they all said the internal bank reaction is huge. This is a moment of legitimacy for the asset class. It means more banks will touch Bitcoin, and more of them will realize tokenization is a powerful tech upgrade.

🧠 A reversal of fortunes for digital finance. The future of finance will be tokenized. All asset classes will become tokens, from cash to securities and commodities. We're building a new infrastructure for capital markets and cross-border payments. That's game-changing for Fintech.

🧠 Ignore the price speculation. There's nothing that generates clicks like a Bitcoin price prediction and nothing quite as infuriating as someone who's a fan of the technology.

🧠 The hate is misguided. Crypto doesn't help itself with high-profile scams and hacks, but so much of this happens out in the open. Whereas in financial services, when $2bn is laundered by Mexican cartels through a bank or oligarchs are hiding money in Panama, we seem to quickly forget. Wherever there's money, bad things happen. Crypto can and needs to improve, but it's not the tech at fault. It's the users. Legitimacy helps.

🧠 Ethereum could be next up for an ETF. The second largest asset is quietly used by major institutions, and regulators have experimented with it. With JP Morgan and the Singapore monetary authority, Project Guardian proved that fully regulated institutions can use stablecoins. The Bank of International Settlements has also experimented with Uniswap, like automated market making. "Decentralization" is taken much more seriously by serious people than you might expect if you just watch the news.

🧠 What about other assets? The UK has launched its digital securities sandbox. This means you could build an entirely tokenized securities offering under the regulator's spotlight in the world's second-largest capital market. London.

🧠 Tokenization makes assets programmable, global, and open-loop. For example, Stablecoins are far more efficient than traditional settlement systems for cross-border payments and complex transactions. Why? Because they're programmable, global, open loop, and instant. Name another payment rail that's true for.

🧠 This has been a long time coming. By the time something happens, it's boring. But this is huge for everyone who has worked to clean up Crypto and build a better financial market infrastructure. The lawyers, the bankers, the lobby groups, and the startups, all of you, well done.

PS. No I won't shut up about the Bitcoin ETF, this is a huge moment for those have been working for a long time to deliver on the promise of the technology in spite of the pitfalls.

[Thomas Frame @tframe]

Fascinating to watch this unfold in South Africa.

[Anthony Ralphs @moderndosh]

@cgledhill Not sure the sign writer understood how vehicles go up inclines!