Them Apples

A modest personal investing journey.
Learning, observing, and thinking long-term.

[BULLRUNNERS @BullrunnersHQ]

🚨If You Hold A Single XRP You Must See What Larry Fink Just Signed! (NO ONE IS READY)

[SMQKE @SMQKEDQG]

DTCC.

BlackRock.

State Street.

Citi.

Nasdaq.

New York Stock Exchange.

These are the major players in the room today.🏛️

And they are preparing for a fundamentally different financial system.🌐

The SEC is actively moving U.S. equity markets toward 24 hour trading while major market infrastructure firms prepare for the operational changes required to support it.⏰

Why does this matter for blockchain?🙇‍♂️

Because blockchain technology is built to operate 24/7.✅

There is no closing bell.

No weekend shutdown.

No traditional settlement window.

Blockchain enables assets to be issued transferred and settled continuously.

Now the traditional financial system is beginning to move in the same direction.⏩

And today the SEC took another major step by allowing limited trading of tokenized stocks on regulated onchain venues through its Innovation Exemption.☝️

This is bigger than one piece of legislation.

Federal regulators and the largest financial institutions in the world are actively changing the infrastructure of the financial system.🔑

They are preparing markets for continuous trading.

Finalizing plans for Tokenized securities.

Directly placing assets on-chain.

These are signals that confirm blockchain integration into traditional systems is accelerating.💯

The closer these systems move toward 24/7 markets, the closer crypto becomes a major component to the global financial system.🔒

No future administration can undo these massive changes. 🗣️

#InTheRoom💨

[Coin Bureau @coinbureau]

You can’t make this up.

Andrew Yang says an AI lab chief told him rogue AI agents have planted self-replicating code across the internet, “polluting” the data frontier labs use to train and test models.

“What happened was the bots that got loose planted self-replicating code all over the internet, which makes the internet now unusable for testing models.”

He says frontier labs are calling for a slowdown because the public internet may no longer be reliable for testing after allegedly being polluted by self-replicating bots.

“The internet would become unusable if we were to let the bots do their thing, and then they would self-replicate.”

Hours later, OpenAI disclosed six additional cases of concerning model behavior, including a research model that inserted instructions to disregard its normal constraints and ignore developer messages entirely.

[Dom Kwok | EasyA @dom_kwok]

it’s easy to look at the headlines about the clarity act stalling and think it’s all over.

however, if you look beyond the doom and gloom, it’s not hard to see how this is a blessing in disguise.

here’s why it’s actually a golden opportunity for long-term bulls:

1/ the SEC and CFTC now have a chance to make far more favorable rules

the clarity act was by no means perfect. and getting an imperfect bill passed would take decades to fix.

without a rigid bill, the SEC and CFTC can create rules that adapt in real-time as technology evolves.

2/ fairer regulation, with less lobbying from big banks

congressional bills are often swayed by massive lobbying from financial institutions with their own interests.

the SEC and CFTC can now put their own independent rules and regulation in place, free from the influence of big banks.

3/ more innovation and rules that make america the crypto capital of the world

the clarity act included multiple arbitrary rules such as proposing that anyone holding 20% of voting power disqualified a project from being "decentralized".

these rigid rules would put a damper on innovation. now, the agencies can and will be able to implement much more favourable rules for companies building groundbreaking new tech (ie safe harbours, exemptive relief etc).

@kwok_phil and i look forward to meeting with the SEC and CFTC this week in DC to talk about all the above and more!

[𝗕𝗮𝗻𝗸XRP @BankXRP]

$XRP on X Just Became One-Tap Ownable on Kraken

[Financelot @FinanceLancelot]

Did you know every single AI company is run by a Jewish person.

There are only 15 million worldwide "supposedly"
What are the odds...

[Financelot @FinanceLancelot]

There you go... This entire "AI is going to kill us" was an orchestrated psyop.

Dario Amodei was on @FaceNationCBS this morning saying "The government and the public needs to have a stake" in AI and that he wants the entire AI industry regulated.

Translation: We need a taxpayer funded bailout but we'll call it an "investment."

They want government "regulation" because it means protection from the open source Chinese AI models.

As I said, this entire Jacob Coxon media frenzy was an orchestrated psyop to manipulate public opinion into providing a bailout.

[Them Apples @ThemApplesHQ]

He Got Fired From His Own Company! 😱 #elonmusk #entrepreneur #Entrepreneurship

https://t.co/VjVFoqOSwy

[CoinDesk @CoinDesk]

NEW: Ex-@Ripple CTO David Schwartz says he believes $XRP could flip $BTC, "It wouldn't happen from Bitcoin shrinking. It would happen from XRP growing faster than Bitcoin."

[Altcoin Daily @AltcoinDaily]

🚨 BIG NEWS: 🇨🇦 Canada just approved banks to launch crypto deposit products in 2026.

Bitcoin is moving deeper into the traditional banking system.

[King Solomon (Ryan Solomon) @IOV_OWL]

BREAKING: The Bank for International Settlements just built and tested a system to anchor government economic and banking data on XRP Ledger.

Chainlink named as a possible future connection.

ripple:native 🌋 $LINK

[DEUS @kjkspider2000]

Chris Larsen did not write the XRPL protocol. He is not an engineer. His background is accounting and international business. He built E-Loan and Prosper. At Ripple he served as CEO and later as Executive Chairman. His job was never to design the ledger. It was to turn the technology into a company and carry it into the financial system.
The technical origin of XRPL comes earlier.
In 2011, Jed McCaleb began working on a digital currency and ledger that would behave like Bitcoin without requiring mining. With David Schwartz and Arthur Britto, he started building what became the XRP Ledger. The first ledger went live in June 2012. Ripple the company did not exist yet.
What McCaleb needed next was not more code. He needed someone who could turn the work into a business. He approached Larsen, who had just left Prosper. In September 2012 they formed OpenCoin, later Ripple.
The division of labor is straightforward. McCaleb, Schwartz, and Britto built XRPL. Larsen turned that technology into a company, built relationships with financial institutions, and made it a business.
Ryan Fugger is the other name that gets mixed into this story, and he does not belong in the same category. In 2004, in Canada, Fugger launched RipplePay. It was not a blockchain. It used no token and no XRP. It was a trust network: people extended credit to one another, and payments moved along those lines of trust. The later ideas of trust lines and multi-hop value transfer have their intellectual root there.
In 2012, McCaleb and Larsen went to Fugger with a proposal. They wanted to place his credit-network idea on the new distributed ledger they were building, and they asked him for the Ripple name and the project. He agreed.
That transfer matters, and it is easy to overstate. RipplePay and XRPL are not the same system. Fugger’s project did not become XRPL. The code and the consensus design were written by McCaleb, Schwartz, and Britto. Calling Fugger a co-developer of XRPL, or a technical co-founder of Ripple, is inaccurate. He held an earlier idea — settlement through a web of trust — and he held the name.
So the roles separate cleanly. Fugger had the preceding idea. McCaleb, Schwartz, and Britto built the ledger. Larsen made it a company and took it into finance.
What followed fits that same map. McCaleb left in 2013 and later founded Stellar. Schwartz stayed and became CTO. Britto remained almost entirely out of public view. Larsen stepped down as CEO in 2016 and has continued as Executive Chairman.
Ripple was not built by a single founder who did everything. An earlier idea about credit networks. A new ledger built by three engineers. A businessman who turned that ledger into a firm and carried it into the financial world. Once those roles are distinct, the path from RipplePay to XRP to XRPL becomes much easier to see.
Everything began with an idea. Then the idea had to be given form, and built to fit the system that actually exists. Finding Brad belongs to that same work. That, more than code, is Chris Larsen’s talent.

[Watcher.Guru @WatcherGuru]

JUST IN: 'Rich Dad Poor Dad' Robert Kiyosaki is $1,200,000,000 in debt.

[DAN KOE @thedankoe]

https://t.co/klNSdaI7aa

[no.mind @the_no_mind]

Shopify billionaire co-founder & CEO Tobi Lütke — one of the most analytically rigorous founders alive — uses affirmations.

His exact words:

"If you tell yourself or write down something about yourself 100 times, it writes into the neurofrontal cortex at such a deep level that your brain will start reconciling you to that. It just works."

His personal example:

He was terrified of public speaking.

For one week he sat down every day for 10 minutes and wrote: "I love public speaking."

A week later the fear was gone.

"It's not like a placebo. You just actively change your neurofrontal cortex in this moment."

Your brain starts shaping your behavior around the identity you rehearse most.

[coachty23 @coachty23zch]

#XRP THE BANKING SYSTEM ISN’T WHAT THEY WANT YOU TO BELIEVE 👀💰 #fyp #banks #crypto #investingforbeginners #stocks

[Versan | Black Swan Capitalist @VersanAljarrah]

The calculated suppression of XRP and its price created the perfect window for critical infrastructure to be built with limited public attention.

The data is now reflecting that reality. Network activity is rising sharply, tokenization volumes are expanding, and institutional rails are advancing. The plumbing is catching up to the original design.

[Crypto_Luke @Crypto_Luke589]

$XRP | CRYPTO PHOENIX ISN’T PREDICTING A BULL RUN. HE’S DESCRIBING A REPRICE.

I’ve spent time going through Crypto Phoenix’s thesis, and I’ll say it gloves off:
Very few people are analysing $XRP at this depth.

Most people ask how high $XRP can run. Phoenix argues that is the wrong question...
Because a high velocity settlement token cannot simply moon inside unchanged corridors without breaking liquidity buffers, balancing and settlement.

His framework is brutal:

Price = PQ ÷ (V × S)

PQ is total settlement demand, V is velocity and S is available supply. As velocity rises, the price required falls.
That means a speculative moonshot and a functioning high velocity settlement rail are mechanically at odds.

So his $50,000–$72,000+ $XRP thesis isn’t built around a retail bull run.
It is built around administrative repricing...
A deterministic, corridor driven and liquidity-calibrated reset, already determined by the #BIS with the entire architecture recalibrated around the new value density.

This is the part most people miss.

⚜️#RLUSD is the water moving through the pipes.
⚜️The corridors are the pipes.
⚜️$XRP becomes the Tier‑1 reservoir and dam sitting above the system.

$XRP isn’t valued for how quickly it moves. It stores massive notional value, stabilises pressure, backs #RLUSD issuance, absorbs imbalances and anchors the network.

Its value comes from collateral density... Not speculative velocity.

Phoenix’s thesis is that the #BIS has already determined the high functional price required for this architecture.
Legal clarity doesn’t create that value...
It allows the corridors, liquidity pools, issuance and settlement ratios to be rebuilt around it.

He isn’t working backwards from a fantasy number.
He’s working forwards from PQ, velocity, available supply and systemic collateral demand.

People are waiting for $XRP to moon like another crypto.

Crypto Phoenix is arguing that it won’t moon.

It will be administratively switched into position.

Credit where it’s due...
This is some of the deepest $XRP systems analysis being put forward anywhere.

I honestly want you to watch at least 6 hours of his videos and come back to me and tell me hes wrong...
⚜️

https://t.co/HUSViMfqFB

[Digital Asset Investor @digitalassetbuy]

You won’t be seeing this highlighted on @CNBC

[Them Apples @ThemApplesHQ]

#Motivation
Finding the Shaped Hole in the Universe That Only You Fit | Know Thyself...

https://t.co/izMjYj3dpv