The XRP Army needs to slow down and think logically.
Swift’s new blockchain-based ledger does not kill XRP. It validates the entire thesis behind XRP and blockchain-based settlement.
swift announced that its blockchain-based shared ledger is ready for initial use, with major banks preparing to pilot 24/7 tokenized cross-border payments. The banks listed include ANZ, BNP Paribas, BNY, Citi, DBS, HSBC, Lloyds, MUFG, Standard Chartered, UOB, Wells Fargo, and others. The purpose is to improve liquidity efficiency, cash flow visibility, and tokenized money movement across borders.
That is not bearish for XRP. That is the traditional financial system admitting the current rails are not built for a 24/7 tokenized world.
but here is the important distinction: Swift’s ledger appears to be an orchestration layer for bank-issued tokenized deposits. Swift has said the ledger helps banks coordinate payment commitments, validate workflows, and move tokenized deposits, while final settlement can still happen through RTGS systems, correspondent banking relationships, or other agreed settlement mechanisms.
That means Swift may help banks message, coordinate, and validate transactions faster. But it does not automatically solve the global liquidity problem.
The real question is not, “Can Swift build a blockchain ledger?”
The real question is:
What becomes the neutral bridge asset between fragmented tokenized deposits, stablecoins, CBDCs, commercial bank ledgers, private blockchains, public blockchains, and currencies across hundreds of jurisdictions?
That is where XRP still has a massive role.
Swift itself has acknowledged that the industry needs interoperability across existing and emerging systems, including private and public networks. Swift also said the types of tokens exchanged on the ledger are the territory of commercial and central banks, not Swift alone.
That matters because the future is not one ledger. The future is many ledgers.
Every bank will not use the same token. Every country will not use the same CBDC. Every institution will not trust one private bank’s deposit token. Every corridor will not have deep liquidity on day one. That creates fragmentation. Fragmentation creates the need for bridges. Bridges require neutral liquidity.
XRP was designed for that exact problem.
Ripple’s payment model uses XRP as a bridge asset to move value across borders without requiring institutions to pre-fund accounts in every destination market. Ripple describes this as a way to improve speed, cost, reliability, and liquidity for cross-border payments.
The XRP Ledger is also not just a “crypto speculation chain.” It has been built around payments, tokenization, stablecoin movement, cross-border remittance, B2B payment rails, and merchant settlement. XRPL documentation describes the payments suite as supporting stablecoin payments, cross-border remittance, B2B rails, and merchant settlement.
So the real narrative is simple:
Swift is modernizing the old banking system.
Ripple and XRP are building liquidity infrastructure for the new tokenized system.
Those are not automatically the same thing, and they are not automatically enemies.
Swift can provide trusted connectivity, standards, messaging, and orchestration for banks. XRP can still serve as a neutral bridge asset where liquidity, interoperability, settlement speed, and cross-ledger movement matter.
The panic comes from thinking there will be one winner.
That is not how global finance works.
The future will likely include Swift, tokenized deposits, stablecoins, CBDCs, private bank ledgers, public blockchains, and neutral bridge assets. The larger the tokenized financial system becomes, the more important interoperability and liquidity become.
And that is the XRP thesis.
Not that every bank must use XRP for every payment.
The stronger thesis is that as the world moves to tokenized money, 24/7 settlement, programmable finance, and cross-border digital value, the need for neutral liquidity rails increases dramatically.
Swift’s announcement does not disprove XRP.
It proves the world is moving in XRP’s direction.
Warriors rise!
Rare moment where my professional and personal worlds collide: XRP is now the first crypto on the jersey of a major college athletics program, at my alma mater.
XRP Family, meet the Jayhawks. Rock Chalk!
Today, Mastercard, @OndoFinance, Kinexys by @JPMorgan, and @Ripple successfully completed a landmark transaction connecting a public blockchain with interbank settlement rails.
Together, we’re laying the groundwork for 24/7 global markets that never close.
Japanese banks just showed 60% cost savings using #XRP over SWIFT with settlements in under 4 seconds. Live pilot data, not theory. @Ripple and SBI making it work globally. #xrpfamily#XRPHolders
3-30-26
-A TIME LIKE NO OTHER-
My children, you are about to see the world stand still, stop for a an instant. You won’t miss it. It will startle you. Everyone will stop what they are doing and pay attention. This is a global event. The whole planet. Earthquakes will happen. Volcanoes will erupt. The whole earth will be in terror and fright. The death angels will make his rounds. So much will happen as the world sits still and takes in all that is occurring. A night of weeping as the world is silent. A night of no rest. A night that will seem like the longest you ever felt.
Answers, answers, people want answers. Who can explain what just took place? Who can say for sure? My prophets have been warning of this day. There is a believing remnant, although they are few, they will lead the world in truth. They will share all they know. The Internet will blow up with prophecy and the world will pay attention to the truth. They will heed all they see. Your president does believe. He knows this is Me. He will address the nation and give Me glory. Weeping may come in the night but joy comes in the morning.
This is a new beginning. This is the start of something different. A change from everything you know. It’s all coming together as I planned. My will be done on earth as it is in heaven. You are getting heaven on earth soon. Prepare your hearts for something great. Prepare, prepare the way for righteousness to reign! As Psalm 23 says, “ He leads me in the path of righteousness for His name’s sake.” The word is coming alive in you now. Walk it out, My children. Walk in the Spirit. Listen to My leading. I am the Good Shepherd. I take care of My sheep. I am leading you to green pastures. I am taking you to still waters. I will restore your soul. You have heaven waiting on you.
Many will change their ways, their thinking, their deeds. This is the start of a harvest so great. Your brothers and sisters are coming in. What a feast! What a celebration! What a time of joy and exuberant! What a time of praise and worship! The world has never seen worship like this before. What a beautiful sight to see! What a beautiful noise! You are the celebration. You are the generation that births this season in. You get to experience the most amazing time on My earth. This is all stored up for you.
Come with adoration. Come with a pure heart. Be grateful for all you are about to receive. Yes, the thunder will clash and the world will seem as though it has fallen apart but it is the change that brings it all together. We will weather this storm together says the LORD of HOSTS your Redeemer!
“Profound and reverent fear seized them all, and they began to recognize God and praise and give thanks, saying, A great Prophet has appeared among us! And God has visited His people [in order to help and care for and provide for them]!”
Luke 7:16 AMPC
The sat is going to be the unit of account.
Not BTC, sats. 100 million of them per coin.
You'll buy coffee in sats the same way you buy things in cents today. And the people laughing at that right now are the same people who thought internet shopping was a phase.
In our brand new sit-down, I handed @saylor every anti-Bitcoin argument the internet has and he responded to ALL of them.
I dare any Bitcoin critic to watch this interview and not reconsider at least one of their arguments.
TIMESTAMPS:
00:00 Michael Saylor address Bitcoin bear market and negative sentiment
8:37 Big Tech was once doubted but ultimately won
10:22 Why Bitcoin didn’t hit higher price predictions
16:57 Long-term return expectations
23:12 Why retail didn't participate in last bull market
33:55 How is $STRC performing?
56:49 Handling the critics and volatility cycles
1:13:54 Is quantum computing a threat to Bitcoin?
1:33:47 What's the strongest argument against Bitcoin?
1:35:53 Does Strategy's Bitcoin cost basis matter?
1:43:30 Bitcoin mentioned in the Epstein files
Gen Z... before you buy Bitcoin, you need to understand this critical mistake that most investors make.
Do not think you can outsmart the money printer.
In today's episode, I sat down with @jameslavish to break down:
❌ The "Age of Debasement" isn't a theory. It's the mathematical reality of your savings melting away
📉 The Debt Spiral: Why the $38T bill forces the Fed to print forever.
🌍 Dedollarization: Why the world is quietly exiting the US Dollar.
🛡️ The Solution: How to survive the "Silent Default" with Bitcoin.
Stop playing a rigged game. Learn the new rules.
YT in replies 🧡
I know you feel down given the market recently. It's part of the journey!
Crypto is improving non stop and this industry isn't going away. It's destined to revolutionize finance.
We'll bounce back like we always do, just make sure you're in a good place mentally first! ❤️
On track 🤝 on-chain. Proud to announce a multi-year partnership with McLaren Racing — Hedera is now an Official Partner of the @McLarenF1 Team and @ArrowMcLaren IndyCar Team.
What’s coming: free-to-claim digital collectibles + new fan experiences built on Hedera’s trusted public network.
Read more: https://t.co/DdGuZa2uln
my barber asked me what i do for work
"i sell stuff online"
"like dropshipping?"
"nah like guides and templates. digital files."
he laughed
"people pay for files? like PDFs?"
"yeah"
"how much you make doing that"
"last month was like $47K"
he stopped cutting
"i'm sorry what"
"$47K. give or take."
dead silence for a good 10 seconds
"from PDFs."
"from PDFs."
he finished the cut barely saying anything. i could tell his brain was somewhere else.
two weeks later he texts me.
"yo can i ask you something"
"yeah"
"could i sell like... a guide on how to talk to your barber? like how to explain what you want? people come in here every day and can't describe a basic fade"
i told him that's actually a perfect product. specific problem. clear audience. something he knows better than almost anyone.
"how long would it take"
"write it out like you're explaining to a friend. add pictures of different cuts with the right words to use. maybe 15-20 pages. you could finish it this weekend."
he sent me the finished PDF 4 days later
i helped him set up gumroad. told him to post it in some reddit hair communities. nothing fancy.
first month: $2,100
from a barber. selling a PDF. about haircuts.
he texted me last week asking if he could make one about "how to maintain a fade between cuts"
this man is about to build an empire teaching people how to talk to barbers
meanwhile people online are researching niches for 6 months trying to find something "unique"
the most profitable knowledge is the shit you think is too obvious to sell
everyone's an expert at something they don't realize is valuable
your "common sense" is someone else's "i'd pay $30 for that"
Coming soon to Kraken 📱
$TEL, the native token of Telcoin Network.
@TelcoinTAO aligns mobile networks around a shared blockchain standard, connecting global users to the Internet of Money.
Trading starts on Jan 22 at 14:00 UTC.
Get ready → https://t.co/kNX0x9LOnM
🚨 PRECIOUS METAL PRICE MANIPULATION EXPLAINED, HISTORY REPEATING
We just witnessed the most coordinated "pump and dump" in history. The government and banks didn't just manipulate the market, they orchestrated a multi-trillion dollar heist in under 72 hours.
Timeline of the Crime:
• The Trigger: Over the weekend, the administration threatened 10% to 25% tariffs on European allies to force the Greenland deal.
• The Shakeout: When markets opened Tuesday, stocks and crypto were decimated. The S&P 500 erased all 2026 gains and Bitcoin collapsed below $87k.
• The Rotation: As risk assets bled, capital flooded into Gold ($4,870) and Silver ($94+). This created the perfect exit for banks to offload trillion dollar leverage positions onto panicking retail buyers.
Today, Wednesday, January 21, the administration suddenly canceled the tariffs, claiming a "security framework" was reached. This was their plan from the beginning.
They have successfully executed the heist of a lifetime, walking away with trillions while the public was left to hold the bag. If they can manipulate the world's 2 largest assets this effectively, imagine what they are doing to everything else.