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  • #61
  • Apr 11, 2025 8:25am Apr 11, 2025 8:25am
Quoting blob
{quote} According to the latest reputable sources; Ripple and SEC have come to an agreement of $50M in fine and dropping the previous Injunctions. 95% probability the Judge won't change previous ruling that it is NOT a security as there are no other merit to do so. If by chance, it is classed as a security. It is NOT institutionally over. The only reason Institution are not flooding in is because they have Fiduciary Obligations to their clients (and regulators). That the business they engage in (part) are not in a lawsuit. Once the lawsuit is over...
good answer. I have several buts... but they're dependent on what else you say re the others so I'll bite my tongue.
And this just in :
https://cointelegraph.com/news/sec-r...ppeal-xrp-case
  • #62
  • Apr 12, 2025 7:37am Apr 12, 2025 7:37am
Quoting triphop
4. US regs lead the way forward here. Specified that audited stablecoins will be required. What’s to stop USDC taking primary place in fx rather than XRP. Already backed by existing financial insts. Announced IPO last week, primed to be the winner

Each crypto are built differently; Their protocol mechanism, programming, functionality built, etc...
XRP is the native token of its Layer1 network XRPL.
USDC is a stablecoin. It is not a Layer1 network.
You have to educate yourself on these different mechanism,
in order to understand how they work and differ from one another.

"What’s to stop USDC taking primary place in fx rather than XRP."
This question is a dead give-away that you don't understand how they work and differ.
Fortunately, I have the CEO of CIRCLE, USDC stablecoin; Jeremy Allaire, to answer your question.


Jeremy Allaire: "USDC... ... ... and so, if we can improve it
with more scalable blockchain technologies, like Brad's company (Ripple) provides..."
Inserted Video



For the layman explanation: the CEO of Circle USDC stablecoin is basically telling you it needs Ripple.



Full interview is here:
Inserted Video
  • #63
  • Apr 13, 2025 2:59am Apr 13, 2025 2:59am
Appreciate the enthusiasm, but my focus is just about the future value of XRP in relation to FX market. Not Ripple the company. Nor a technical question about L1 networks.

RippleNet ≠ XRP. They’re not the same. RippleNet can operate with or without XRP, and USDC could easily adopt RippleNet as payment rails without ever touching XRP. Yes, RN might be a great on/off ramp but that’s separate from XRP’s potential value.

I can't see XRP playing a lead role in FX — unless it fills a niche bridging less liquid fx pairs. And that’s not nothing, but it’s not that much in the scheme of things.

USDC has more than regulatory approval— it has institutional backing at the highest level in the US. And RN won’t have exclusive access to FX rails. Stellar, Ethereum, and others will all be in the mix.

Of course elsewhere - in tokenisation, DeFi, CBDCs, XRP could romp home. I’m not writing it off.

But on this angle, I'm unconvinced.
  • #64
  • Apr 13, 2025 5:02am Apr 13, 2025 5:02am
Quoting triphop
... but my focus is just about the future value of XRP in relation to FX market. Not Ripple the company. Nor a technical question about L1 networks.
How are you suppose to assess/hypothesis future value when you haven't got key variables to its success or failure???
You don't understand the differences between their technical mechanism, and to you they look the same, when they are totally different from one another.

Example: If you don't understand the difference between a rally car versus a formula1 car, how do you arrive to future value of the car???
If you race them in an asphalt circuit, the F1 wins. If you race them in an off-road track, the rally car wins.
Before you even race them, you need to understand their technicalities.

If this is how you approach your life, to each their own.



Quoting triphop
RippleNet ≠ XRP. They’re not the same. RippleNet can operate with or without XRP, and USDC could easily adopt RippleNet as payment rails without ever touching XRP. Yes, RN might be a great on/off ramp but that’s separate from XRP’s potential value.
So we're back to square one here...
You've made an assumption between Ripplenet and XRP without understanding the difference between them.

Long story short; XRP is more powerful and advance than Ripplenet.
Ripple clients are offered many solutions to accommodate their needs. This is part of their business plan regarding adoption.
But if the clients wants the most fastest, secure, cheaper, better tech... They will have to use XRP (why don't you know this? lack of research perhaps?)

And who doesn't want better?



Quoting triphop
I can't see XRP playing a lead role in FX — unless it fills a niche bridging less liquid fx pairs.
Are you for real???
... when the XRPL and its constituents is to specifically reroute and sort out less liquid fx corridors.

Seriously, I hate telling people they don't know what they are talking about.
I'm sounding like an ass; Of course you can't see it when you haven't done the research.



Quoting triphop
And that’s not nothing, but it’s not that much in the scheme of things. USDC has more than regulatory approval— it has institutional backing at the highest level in the US. And RN won’t have exclusive access to FX rails. Stellar, Ethereum, and others will all be in the mix. Of course elsewhere - in tokenisation, DeFi, CBDCs, XRP could romp home.
Lacking research, limited understanding, leading to superficial conclusions.
Good luck with that.


Quoting triphop
I’m not writing it off. But on this angle, I'm unconvinced.
I'm not here to convince anyone.
I'm here to correct misinformation.

It's a lot of assumptions and conclusions from lacking research.

I'm here because I want someone to tell me real negative shit about XRP.
It's very tiring to correct basic misinformation, its a waste of my time and energy.
I think I'm going to back off after I answer your ADOPTION question.


Some quickies:
Who would Ripple prioritize, USDC or RLUSD???
Ripplenet payments and XRP are patented, good luck to Stellar not to step over patents.
Its business/technology competition, if you don't understand the competition, USDC, Stellar, Ethereum vs XRP, You're screwed.
  • #65
  • Apr 13, 2025 5:58am Apr 13, 2025 5:58am
That’s noble to correct misinformation, but you haven’t done so. RN is already used without XRP, by design. Ripple positioned it that way to attract banks first, hoping XRP adoption would follow. I’m saying that assumption doesn’t match how FX markets actually operate.

Yes, XRPL is solid. But institutions don’t pick networks based on tech alone. They care about regulation, control and risk.

This isn’t an attack—it’s a realistic view of the current landscape. If there’s a strong counter, I’m all ears. But I haven’t seen one yet.
  • #66
  • Edited 7:35am Apr 13, 2025 6:56am | Edited 7:35am
I have two very light readings about the development of blockchain consensus mechanisms — I used to read almost all of them.
Now, for heavier reading, feel free to visit: https://eprint.iacr.org/days/365
Attached File(s)
File Type: pdf A Taxonomy of Blockchain Consensus Methods 2020.pdf   321 KB | 263 downloads
File Type: pdf A Study of Blockchain Consensus Protocols 2025.pdf   975 KB | 495 downloads
fooled by randomness in art
Meditation All Time Return: 8.9%
  • #67
  • Apr 13, 2025 11:01am Apr 13, 2025 11:01am
Quoting triphop
That’s noble to correct misinformation, but you haven’t done so. RN is already used without XRP, by design. Ripple positioned it that way to attract banks first, hoping XRP adoption would follow. I’m saying that assumption doesn’t match how FX markets actually operate. Yes, XRPL is solid. But institutions don’t pick networks based on tech alone. They care about regulation, control and risk. This isn’t an attack—it’s a realistic view of the current landscape. If there’s a strong counter, I’m all ears. But I haven’t seen one yet.
You pointed out fundamental concerns, i pointed out investor concerns yet he had no answer to any of it. That's why he keeps parroting that we are misinformed. If he knew better he would correct us and address our concerns.

He's not debating, he's coping. We keep asking valid questions, he keeps dosing up on that copium.
You have to have an IQ higher than 90 to interact with this user.
  • #68
  • Apr 13, 2025 12:25pm Apr 13, 2025 12:25pm
In the world of finance, whether it is stocks or crypto, marketcap means nothing; it is merely the product of the current number of tokens multiplied by the current price. For example, a $1 million purchase could raise the price 10 times, while a $1 million sale price could drop 10 times. Thus, it is not the actual value or amount of money contained within that matters, but rather because market participants have set a standard where a stock or crypto with a high marketcap is seen as impressive, everyone becomes mesmerized by it. Evidence: there have been so many-many shitcoins crashes; it does not mean that when the market falls, the money lost equates to that crazy marketcap—which, when thought of rationally, is an insane amount. So, it is merely an illusion. What is most important in cryptocurrency? Look at the daily volume. Marketcap in the world of finance is actually a fallacy. We usually call it market-craps. Sayonara MF!

Inserted Video
fooled by randomness in art
Meditation All Time Return: 8.9%
  • #69
  • Apr 13, 2025 1:20pm Apr 13, 2025 1:20pm
Quoting Nordling
{quote} You pointed out fundamental concerns, i pointed out investor concerns yet he had no answer to any of it. That's why he keeps parroting that we are misinformed. If he knew better he would correct us and address our concerns. He's not debating, he's coping. We keep asking valid questions, he keeps dosing up on that copium.
Ha, yeah honest truth? I thought if I ignored yours and H2E’s posts and gently restarted the convo, we might all learn something new. Clearly... a bad trade.

Second confession. I'd love to see Ripple, Circle or any of the outsiders romp home with an institutional win and thought we might get some debate as to how that happens. But wholesale FX will almost certainly be sewn up by Fnality International, the biggest blockchain firm most people have never heard of. Quietly backed by 20+ major banks including GS, Nomura, Barclays and BNP.

Motherfunkers.
  • #70
  • Apr 13, 2025 7:09pm Apr 13, 2025 7:09pm
Quoting triphop
Ha, yeah honest truth? I thought if I ignored yours and H2E’s posts and gently restarted the convo, we might all learn something new. Clearly... a bad trade. Second confession. I'd love to see Ripple, Circle or any of the outsiders romp home with an institutional win and thought we might get some debate as to how that happens. But wholesale FX will almost certainly be sewn up by Fnality International, the biggest blockchain firm most people have never heard of. Quietly backed by 20+ major banks including GS, Nomura, Barclays and BNP. Motherfunkers....
I have to apologize to you, because I do see that you are very civil with your conversation compared to Nord and Here2there.
Believe me I do understand where you are coming from. Your questions and convo are different to the other two gonads

Look, I guess I'm just tired. I'm trying to find the easiest way to put forward my thoughts without trying to write 10,000 words essay on the matter.
You and I are not on the same page; You're putting Ripple and Circle in the same sentences; You're like having a conversation with me about Ferrari and KIA in the same conversation/sentence.


"Fnality International uses a private Ethereum network for its Fnality Payment Systems (FnPS). Specifically, they utilize Hyperledger Besu as their enterprise Ethereum client of choice. The consensus mechanism they employ is Proof of Authority (PoA), which is suitable for a private and permissioned network."
The Ethereum network as a lot of shortfalls/shortcomings (educate yourself on this). The FnPS is a walled system that comes with limitations.
Sooner or later they will have to move away from this. Just like JP Morgan abandoning their own blockchain.
How do I know this? Because I'm a fucking Genius lol hahahaha

Our conversations is so low as to; "My Daddy will beat your Daddy." "No, my Daddy will beat your Daddy."
If you're unable to tell me the technicalities of your Dad, we are going around in circles.



Quoting triphop
Yes, XRPL is solid. But institutions don’t pick networks based on tech alone. They care about regulation, control and risk.
Maybe you missed that class: XRP are all about regulations, control and risk. Highly compliant and with approved financial licenses.

Institutions don't pick networks based on tech... Yes and that's where they fall behind/lose money/disappear against the competition with better tech.
RIP: Kodak, Blockbuster, Nokia, etc...
  • #71
  • Apr 13, 2025 7:33pm Apr 13, 2025 7:33pm
Quoting RoelsMajor
In the world of finance, whether it is stocks or crypto, marketcap means nothing; it is merely the product of the current number of tokens multiplied by the current price. For example, a $1 million purchase could raise the price 10 times, while a $1 million sale price could drop 10 times. Thus, it is not the actual value or amount of money contained within that matters, but rather because market participants have set a standard where a stock or crypto with a high marketcap is seen as impressive, everyone becomes mesmerized by it. Evidence: there...
I keep reiterating that it is not share/stock that is limited to the number supply for simple calculation.
Share and stocks are limited by their supply and demand.
Hence the causation of supply and demand attributes in the rise and fall of its price.


These are cryptograph technologies that are programmable.
For example: A stablecoin was programmed in such a way for it to remain $1.
Thus, the number supply whether it be 45B, 100B or 1T has no effect on price.

XRP is programmed as an on-demand liquidity bridging protocol = It's price will be dependent on its utility/commodity.
It's 100B supply is small part of its calculations in relation to its price.
It's not the heaviest variable of the formula for calculating the price with XRP.


For someone who is interested in an academic calculation of XRP's price:
This calculator is based on the valuation model developed by Susan Athey (Board of Directors, Ripple) and Robert Mitchnick (Stanford Graduate School of Business) in the paper A Fundamental Valuation Framework for Cryptoassets.
https://www.xrplhq.com/xrp-rich-list?type=calculator
  • #72
  • Edited 8:19pm Apr 13, 2025 8:03pm | Edited 8:19pm
Quoting blob
{quote} I keep reiterating that it is not share/stock that is limited to the number supply for simple calculation. Share and stocks are limited by their supply and demand. Hence the causation of supply and demand attributes in the rise and fall of its price. These are cryptograph technologies that are programmable. For example: A stablecoin was programmed in such a way for it to remain $1. Thus, the number supply whether it be 45B, 100B or 1T has no effect on price. XRP is programmed as an on-demand liquidity bridging protocol = It's price will...
No matter what academics say about price, don’t believe it—even if they studied at the number one school in the world. What really matters before chasing targets is this: it’s not a good idea to invest in products that have surged hundreds or even thousands of percent, only to then crash by -96%. The most important thing is the Maximum Drawdown.

If a new investor gets caught in a trap—say, buying in and then getting stuck in a drawdown, and unfortunately misses the "glory phase" when the price pumps—then they’ll have to wait a very long time until new investors come in and get hypnotized into buying. Supply and demand dynamics only truly kick in if, for example, a single country like the U.S. adopts it as a tool for paying employee salaries or starts paying wages in XRP. But that hasn't happened, yet.

One key difference is that in the stock market, there are companies that share their profits up to four times a year — this is called dividends. They are pure businesses; take a look at their Retained Earnings section. In contrast, crypto prices mostly just pump and dump for now — no real money is being generated. In fact, a lot of money is lost to leeches, except for the people who created the crypto, the crypto engineers, or the coders.

So don't talk about price predictions; what matters in trading is the timing of buying and selling to get some profit. Even Nassim can be wrong when guessing prices.

Inserted Video
Attached File(s)
File Type: pdf BTC-QF.pdf   429 KB | 738 downloads
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  • #73
  • Apr 14, 2025 4:39am Apr 14, 2025 4:39am
Appreciate the wind-down Blob... all this is, is two different angles. It's because I'm entirely about trading FX, intraday specifically. Changes in FX open opportunities & introduce threats. Remember the Volcker rule? Gave me an edge for 7 years for eg. As it stands, these changes will upend the entire FX market. CLS clearing windows will vanish, liquidity hours will change, stocks,bonds,commods and FX will become far closer meshed together and my guess is fragility will increase. Time's a great healer, about to vanish.

So trading is about making predictions. For anything. Cause and effect. A model that covers 70-80% of the decision-making process with no more than 3 variables. In this one: US Govt aims, T1 bank aims and relationships. Will XRP underpin wholesale banking?

It's not so much who's dad is better at anything, your dad could be sleeping with Melania and Don finds out and you're out. Technology? Wholesale FX is like air-traffic control. Fuck-ups are so bad that plenty of archaic tech reigns supreme so even if Fnaility on Ethereum is sub-optimal, will it sway it? I'd say no. And yes, you know *way* more about tech than me.

Put simply, in my model
- banks want to maintain control - profits - and in-house technology at all costs. If the tech is essential, they'll bid for buy-outs. Wholesale banking is a CLOSED club. They don't want outsiders messing with their business.
- US govt. CBDCs are out. STABLE and GENIUS - I mean what a pisstake of names - clearing the way for an audited US-stablecoin backed settlement. Or tokenised.
- Relationships. Messy. By no coincidence big Don has created World Liberty Financial with plans to launch a stablecoin, USD1. Eric's involving in bitcoin mining. Lutnick is wrapped up in a Tether blanket but they'd have to start again with a new coin cos we all know they'd fail audits.

TLDR? In this model, Fnality takes the lead just, Circle with a clean slate with SEC has a great headstart but not the same level of backing and needs other tech to make it work, USD1 will signal the end of the US dollar. Hyperbolic I know. And Ripple - just can't see it.

And if I'm wrong, I'll U-turn faster than Trump in a Japanese bond sell-off.
  • #74
  • Apr 14, 2025 7:06am Apr 14, 2025 7:06am
Quoting triphop
Appreciate the wind-down Blob... all this is, is two different angles. It's because I'm entirely about trading FX, intraday specifically. Changes in FX open opportunities & introduce threats. Remember the Volcker rule? Gave me an edge for 7 years for eg. As it stands, these changes will upend the entire FX market. CLS clearing windows will vanish, liquidity hours will change, stocks,bonds,commods and FX will become far closer meshed together and my guess is fragility will increase. Time's a great healer, about to vanish.
This technology is revolutionary and will change the landscape.
A lot of things will change; some things easily foreseeable in the short term and other things unforeseen in the long term.
The old era is out and the new era is on the way in.
There will be lots of collateral damages in every aspect, and asymmetric fortunes to come.



Quoting triphop
So trading is about making predictions. For anything. Cause and effect. A model that covers 70-80% of the decision-making process with no more than 3 variables. In this one: US Govt aims, T1 bank aims and relationships. Will XRP underpin wholesale banking?
My preference if I had to choose only 3 variables:
1. Technology
2. Connections/Networks and Relationships
3. Who are Players consisting in the Team/Company/Organization/Entity



Quoting triphop
It's not so much who's dad is better at anything, your dad could be sleeping with Melania and Don finds out and you're out. Technology? Wholesale FX is like air-traffic control. Fuck-ups are so bad that plenty of archaic tech reigns supreme so even if Fnaility on Ethereum is sub-optimal, will it sway it? I'd say no. And yes, you know *way* more about tech than me.
Archaic tech reigning supreme in our history is a different context compared to this new technological revolution we're currently facing.
This new technology addresses/solves the old archaic tech's problems and issues.

Would you agree? In general - there are sub-optimal tech, but the superior tech (in general) has the bigger market-share?
No doubt there will be other players, but the superior tech will take the bigger slice of the pie.



Quoting triphop
Put simply, in my model - banks want to maintain control - profits - and in-house technology at all costs. If the tech is essential, they'll bid for buy-outs. Wholesale banking is a CLOSED club. They don't want outsiders messing with their business. - US govt. CBDCs are out. STABLE and GENIUS - I mean what a pisstake of names - clearing the way for an audited US-stablecoin backed settlement. Or tokenised. - Relationships. Messy. By no coincidence big Don has created World Liberty Financial with plans to launch a stablecoin, USD1. Eric's involving...
I'm not an Anarchist. I acknowledge that the banks/governments are corrupted. But I also see the goodness in them.
Despite their level of corruption and wrong-doings, I'm confident enough to say I'd rather be here in the WEST, than in any communist country.
I know there are corrupted police, but when the shit goes down, I can confidently dial 911 and ask for police.

There's no free-for-all system in our history that survived.
A small tribe can survive without police, governing councils, hierarchy leadership, etc...
But the moment a tribe/community gets bigger than 500 population, you're going to need police and governments.
Even hippies lawlessness, loving, care-free, love and peace, doesn't survive when they surpass that population growth.
These Anarchist Cryptos aren't going to survive.
Only the Cryptos working with government and regulators will survive.

So any Cryptos who doesn't want to follow rules and regulations, doesn't want to be audited independently, an Anarchist, etc...
Is out of my books.



Quoting triphop
TLDR? In this model, Fnality takes the lead just, Circle with a clean slate with SEC has a great headstart but not the same level of backing and needs other tech to make it work, USD1 will signal the end of the US dollar. Hyperbolic I know. And Ripple - just can't see it.
Here's my take:
- Governments and Big banking powerhouse needs a lot of assurance that this technology won't fuck up, as you are dealing with tremendous amount of money.
- Ripple has over 10years of pilot testing their technology with their banking partners; to prove and show that there are no hiccups.
- Fnality blockchain has only 3 years of testing (5 years to be generous) with sub-optimal technology.

- On a side note; Ripple has lots of NDAs with banks and I wouldn't be surprised if they have NDAs with Fnality.
- A little blue bird on the streets chirping, said that Ethereum's ProofofStake mechanism doesn't pass the Howeys's test. And there is a high probability chance that it can be classified as a Security. If so, it will conflict as a settlement mechanism for FX or any form of settlement.



- I put emphasizes on technology as it's half of the work is done. It carries more of the load and makes everything else a lot easier.
Example: If you're good looking, you don't have to make up cheesy pick up lines. You don't have to dress up that nice, etc... You can pretty much get away with a lot of things because you're good looking... Half of your work is done for you. You're met with very little resistance.
Same with technology; If your technology addresses/solves the problem better, faster, cheaper, etc. Half of the work is done.

- I put emphasizes who are the players on the team. The Ripple team is basically Michael Jordan's Dream Team.
I'm not going to settle for Fnality benchwarmers
The argument that Ripple has no connection with XRP (or doesn't need XRP) is misinformation.
Everything that Ripple does is in the benefit of XRP - perhaps more research on this area if you disagree.
Without XRP, Ripple is just another company.

- Partnerships, Networks and Relationships Ripple (tied to XRP) is way ahead against Fnality.
If you trust an AI

Attached Image (click to enlarge)
Click to Enlarge Name: fnality.png Size: 15 KB


- there are more points I have in mind, maybe for another day.
  • #75
  • Apr 14, 2025 9:04am Apr 14, 2025 9:04am
Superior tech has the biggest market share... most of the time, but the exception is in the most risk-averse areas of business. I think we're down to one core difference of opinion here. So Fnality - no that AI overview is massively misleading! - is stuffed to the rafters with ex-bank execs, as opposed to Ripple's many high flying ex-fintech execs.

Does the company with 20 major bank shareholders and all the connections win vs the better tech, assuming that's correct. None of the wholesale banks are neobanks. If they were, it'd be different but unless Ripple take a step back, and mass hire a bunch close in institutional caliber to the NY Fed Reserve Head of Markets who runs Fnality, can't see it. Plus the UK trials seems to have gone well.

Beyond that, we need someone on the ground who knows both. The couple of bank traders I know knew less than this entire thread on the future of payments.

Re the rest, totally agree. Days of wild west crypto are slowly disappearing. Ethereum PoS as a security, screws Fnality hard in the US at least and opens doors immediately.

One final question - XRP without RippleNet. I had to check I didn't dream this but there's tons of places using RN without XRP. Amex, Santander, BoA etc
https://digitaloneagency.com.au/are-...-partnerships/

Anyways appreciate the calmer response
  • #76
  • Apr 15, 2025 9:27am Apr 15, 2025 9:27am
Quoting Nordling
{quote} We keep asking valid questions, he keeps dosing up on that copium.
Exactly! And he had the audacity to say I am not being civil when he is the one who keeps using ad hominem. And how about the childish nonsense of grading arguments and always giving himself a pat on the back? Who else does this? I've never seen this before. Strange behavior.

The guy can't be taken seriously. He's not thinking right, nor being fair.

Even if XRP proves to be a great investment over time, he still handled this discussion poorly.
Learn from your mistakes and march on.
  • #77
  • Apr 15, 2025 6:42pm Apr 15, 2025 6:42pm
Quoting here2there
{quote} Exactly! And he had the audacity to say I am not being civil when he is the one who keeps using ad hominem. And how about the childish nonsense of grading arguments and always giving himself a pat on the back? Who else does this? I've never seen this before. Strange behavior. The guy can't be taken seriously. He's not thinking right, nor being fair. Even if XRP proves to be a great investment over time, he still handled this discussion poorly.
Listen up dumb and dumber... you're both killing me here.

Guys, I'm fucking old. I'm probably going to die soon.
I was just trolling you guys.
I was just returning the favor... returning the vibe.
Seems like you guys can't handle your own medicine.

You guys came in gun blazing talking shit you know nothing about.
Bunch of 3 years old with chocolate face, claiming innocence.

Let me give you some life advice.
I can smell the Failure from far away. You guys wreak of Failure.
This "fake it till you make it" philosophy is BS... trust me on this.
It's OK to suck at trading and investing.
It's time to wake up and be honest to yourselves.
Look at your bank accounts and don't lie to yourselves.

The world and this forum doesn't need more imbeciles like you guys.
You guys need to step up your game.
If you don't know, it's OK to say "I don't know."

Guys... Stop this cry me a river BS already.
Move on and better yourselves.

... And say "Hi" to your mothers for me.
  • #78
  • Edited 8:02pm Apr 15, 2025 7:47pm | Edited 8:02pm
Quoting triphop
One final question - XRP without RippleNet. I had to check I didn't dream this but there's tons of places using RN without XRP. Amex, Santander, BoA etc https://digitaloneagency.com.au/are-...-partnerships/ Anyways appreciate the calmer response
The article is succinct, but needs a few investigative research to clarify a few things.
The conclusion says everything and I'll clarify here.


Conclusion: Is XRP Adoption by Banks Overhyped?
The idea that “major banks are using XRP” is misleading. While many banks and financial institutions have partnered with Ripple, most of them are only using RippleNet, not XRP.
-The CEO and Ripple team have been transparent on this from day one.
And I quote from the CEO ,"If they want a faster, cheaper, better, more secure solution... They will have to use XRP."

-The CEO and Ripple team have been transparent from day one; That they have Non-Disclosure Agreements (NDAs) with their banking partnerships about the products and testing regarding XRP usage. To this day, banking CEO hardly say "XRP". One of the top and biggest crypto (XRP) over the years and it seems they are allergic to even saying it.
Larry Fink CEO of Blackrock, when asked several times, couldn't even say it. If they are NOT using XRP, then they would have no problem saying, "We're not using XRP." No Ripple banking partnership has ever been quoted not using XRP.
I quickly did a google search; in quotes "We're not using XRP."... not even one result or article.


So here Sherlock Holmes, the absence of evidence does not suffice the "absence of no-evidence."
This conclusion is half truth.



Currently, only a handful of institutions are confirmed to be using XRP (ODL), and banks remain hesitant due to regulatory concerns and competition from stablecoins and CBDCs.
- Again the argument of NDAs with banking partnerships.

-The banks are hesitant due to the lawsuit and regulatory concerns... NOT due to competition of stablecoins and CBDCs.

-Stablecoins and CBDC are totally different XRP. They don't even belong in the same category.
Here's a caveat: The USDollar is falling, half of the world are moving away from the USdollar, BRICKS don't want to use USdollar, PetroDollar is gone >>> And they are creating stablecoin pegged to the USDollar??? Stablecoin was designed for a specific purpose and functionality.

- Jim Rickards, Chief Tech Officer David Schwartz and other prominent people have clearly stated, "Pegging the USD with crypto doesn't solve anything. You've just digitalized it, but doesn't solve any of the banking issues."

There are no competition with Stablecoins and CBDCs as they are totally different things.



That said, if regulatory clarity improves and cost savings become more apparent, XRP adoption could grow. Investors and XRP holders should focus on tracking actual ODL adoption, rather than just RippleNet partnerships, to determine XRP’s long-term potential.
-Tracking actual ODL adoption would be a key leading indicator.
But as an investor, you're suppose to position yourself long before the movement is taking place.

-Do not overlook the Ripplenet partnerships, because there are a lot more going on behind the curtains than what the public or mainstream media presents.



Here's my final message:
People have said many misinformation regarding XRP over the years.
Unbeknownst to these naysayers, XRP has been shackled all these years due to the lawsuit.
People are shitting on something that's been shackled and can't do anything.

When the shackles are removed and the floodgates are opened...
Over 300+ banking partners around the globe awaiting to do business.
Over 18+ pending ETF awaiting approval.
Acquisition of one of the biggest brokerage firm (Hidden Road).
9 HeadQuarters around the globe.
Regulations being built.
US Government support, IMF support, BIS support, WEF support.


When the shackles are removed and the floodgates are opened...
Let's talk then at the end of 2025 to 2030.

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  • #79
  • Apr 15, 2025 9:29pm Apr 15, 2025 9:29pm
Quoting blob
{quote} Listen up dumb and dumber... you're both killing me here. Guys, I'm fucking old. I'm probably going to die soon. I was just trolling you guys. I was just returning the favor... returning the vibe. Seems like you guys can't handle your own medicine. You guys came in gun blazing talking shit you know nothing about. Bunch of 3 years old with chocolate face, claiming innocence. Let me give you some life advice. I can smell the Failure from far away. You guys wreak of Failure. This "fake it till you make it" philosophy is BS... trust me on this....
You are making yourself look like a fool.
Learn from your mistakes and march on.
  • #80
  • Apr 15, 2025 9:31pm Apr 15, 2025 9:31pm
Quoting blob
{quote} Listen up dumb and dumber... you're both killing me here. Guys, I'm fucking old. I'm probably going to die soon. I was just trolling you guys. I was just returning the favor... returning the vibe. Seems like you guys can't handle your own medicine. You guys came in gun blazing talking shit you know nothing about. Bunch of 3 years old with chocolate face, claiming innocence. Let me give you some life advice. I can smell the Failure from far away. You guys wreak of Failure. This "fake it till you make it" philosophy is BS... trust me on this....
Ohh here we go again Mate don't waste your breath. Like for real. I'm not even offended in the slightest so i won't even bother insulting you.

When you talk trash, all i see is a guy who's invested in the wrong thing that is stuck in the same range for years. And that guy is now taking his anger & frustration out on me, out on random online people. That doesn't even get me hard for an argument I just feel concerned at this point.

All i see is a guy that just dosed up on copium over again, this time with more personal attacks. Attack me all you want, if it makes you feel better, keep going bud. Like for real, if it helps you relieve that frustration, go on. But we both know that's not gonna help your situation right?

I know you will take these as an insult but nah man, im not offended nor trying to offend at this point. Seek help brother, and don't double down on a dead horse for your own good.

The regulars here know that i like to come up with creative insults and love talking trash and shi but, i'm not even arguing anymore...
You have to have an IQ higher than 90 to interact with this user.
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