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BREAKING: RIPPLE'S CEO AND DAVID SCHWARTZ JUST SAID THE QUIET PART ON CAMERA. 🚨
Same camera. Same question.
"Where will XRP be in 5 years?"
Brad Garlinghouse: 🗣️
"Oh wow…"
"XRP will continue to break out as the gold standard for crypto rails."
David Schwartz: 🗣️
ke the internet."
"It will be how they get paid. How they invest. How they lend and borrow."
"It will be the financial infrastructure."
And then David drops this. 🤯
"Probably in 3 years."
Not 10. Not 5. THREE.
Huge shout out to @BankXRP for catching this one. 🙌
Expect the unexpected. ;)
Same camera. Same question.
"Where will XRP be in 5 years?"
Brad Garlinghouse: 🗣️
"Oh wow…"
"XRP will continue to break out as the gold standard for crypto rails."
David Schwartz: 🗣️
ke the internet."
"It will be how they get paid. How they invest. How they lend and borrow."
"It will be the financial infrastructure."
And then David drops this. 🤯
"Probably in 3 years."
Not 10. Not 5. THREE.
Huge shout out to @BankXRP for catching this one. 🙌
Expect the unexpected. ;)
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The future of finance is changing for the BETTER. 🌍
And it's happening with @Ripple, ripple:native & ethereum:0x8292bb45bf1ee4d140127049757c2e0ff06317ed. 🟢👀
And it's happening with @Ripple, ripple:native & ethereum:0x8292bb45bf1ee4d140127049757c2e0ff06317ed. 🟢👀
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🚨 80X IN 13 MONTHS - XRPL INSTITUTIONAL FEATURES ARE EXPLODING
A handful of accounts in September 2025.
555+ by late October 2026.
Issuer-controlled tokens.
On-chain credentials.
Permissioned venues.
Tokenized value on the XRPL nearly tripled to $5.05B.
86% of XRP trading against stablecoins.
The numbers are moving.
Fast. ⚡️
Source: Evernorth 2026 Tokenization Report (@evernorthxrp)
A handful of accounts in September 2025.
555+ by late October 2026.
Issuer-controlled tokens.
On-chain credentials.
Permissioned venues.
Tokenized value on the XRPL nearly tripled to $5.05B.
86% of XRP trading against stablecoins.
The numbers are moving.
Fast. ⚡️
Source: Evernorth 2026 Tokenization Report (@evernorthxrp)
Use of XRPL's institution-only features is up nearly 80x since September 2025.
A handful of accounts in September 2025 and now 500+ as of October 20, 2026, across issuer-controlled tokens, on-chain credentials and permissioned venues.
Full 2026 Tokenization Report: evernorth.xyz/blog-post-10-2…
Not investment advice or an offer of securities. Contains forward-looking statements; actual results may differ materially. Risk factors: sec.gov/edgar/browse/?…
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BRAD GARLINGHOUSE JUST SAID IT LOUD AND CLEAR🚨😮💨
🗣️ “RLUSD is NOT competing with XRP
It’s competing with other stablecoins.
Use case matters, and I want those use cases running on the XRPL.”
Banks already need it.
Standard Chartered is live with institutional RLUSD custody imary reserve custodian and now holds it for institutions.
Cross River Bank has it in its core platform for payments.
And this is just the start. ✅
“Complimentary NOT competitive.”
🗣️ “RLUSD is NOT competing with XRP
It’s competing with other stablecoins.
Use case matters, and I want those use cases running on the XRPL.”
Banks already need it.
Standard Chartered is live with institutional RLUSD custody imary reserve custodian and now holds it for institutions.
Cross River Bank has it in its core platform for payments.
And this is just the start. ✅
“Complimentary NOT competitive.”
@WKahneman Agreed!
RLUSD isn’t competing with XRP. It’s competing with other stablecoins. Use case matters, and I want those use cases running on the XRPL.
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🚨 STOCK PERPS JUST GOT THE GREEN LIGHT IN THE US
CFTC just opened the door for perpetual futures on individual stocks. On regulated US exchanges. For the first time.
The same product structure crypto invented is now coming onshore.
And look who’s already in the room:
✅ Bitnomial
Both already list XRP perps.
Ripple Prime already gives institutions access to Coinbase’s contracts.
Bitnomial already takes RLUSD and XRP as margin.
No XRPL integration announced so far.
But the venues building stock perps are the same ones already clearing XRP and accepting RLUSD.
TradFi is adopting crypto’s playbook.
The plumbing is already being laid.
The question is what settles and collateralises these markets next. 👀
CFTC just opened the door for perpetual futures on individual stocks. On regulated US exchanges. For the first time.
The same product structure crypto invented is now coming onshore.
And look who’s already in the room:
✅ Bitnomial
Both already list XRP perps.
Ripple Prime already gives institutions access to Coinbase’s contracts.
Bitnomial already takes RLUSD and XRP as margin.
No XRPL integration announced so far.
But the venues building stock perps are the same ones already clearing XRP and accepting RLUSD.
TradFi is adopting crypto’s playbook.
The plumbing is already being laid.
The question is what settles and collateralises these markets next. 👀
@ChairmanSelig Releases Statement on Equity Perpetual Futures: cftc.gov/PressRoom/Pres…
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EVERNORTH’S XRP IS GOING TO WORK 🔥
Evernorth's CEO Asheesh Birla, a former Ripple product guy:
"We're not a passive digital asset treasury."
"The plan is to put this XRP to work"
"what I am really excited about is putting this to work on chain"
And no rush 👇
"we're not going to run, we're not going to sprint"
A Nasdaq-listed company that wants its XRP working, not sitting in a vault. 🏦
Slow and steady. That's how real money moves. It’s HAPPENING.✅ x.com/evernorthxrp/s…
Evernorth's CEO Asheesh Birla, a former Ripple product guy:
"We're not a passive digital asset treasury."
"The plan is to put this XRP to work"
"what I am really excited about is putting this to work on chain"
And no rush 👇
"we're not going to run, we're not going to sprint"
A Nasdaq-listed company that wants its XRP working, not sitting in a vault. 🏦
Slow and steady. That's how real money moves. It’s HAPPENING.✅ x.com/evernorthxrp/s…
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XRP IS STILL THE HEART OF IT ALL ❤️
Every week someone says RLUSD is "the new XRP".
Here's how the XRP Ledger actually works:
🔥 Every transaction, including every RLUSD payment, pays its fee in XRP, and that XRP is destroyed forever
🔐 Every account on the ledger has to hold D growing on the XRPL doesn't replace XRP. It runs on XRP. ⚡
And Brad said it himself at Swell:
"We only want to do things that are good for XRP."
"I think what we're doing with RLUSD is in service of that."
XRP is Ripple’s North Star⭐️
🎥 via @CoinDesk
Every week someone says RLUSD is "the new XRP".
Here's how the XRP Ledger actually works:
🔥 Every transaction, including every RLUSD payment, pays its fee in XRP, and that XRP is destroyed forever
🔐 Every account on the ledger has to hold D growing on the XRPL doesn't replace XRP. It runs on XRP. ⚡
And Brad said it himself at Swell:
"We only want to do things that are good for XRP."
"I think what we're doing with RLUSD is in service of that."
XRP is Ripple’s North Star⭐️
🎥 via @CoinDesk
XRP has always been the main attraction, which is why he doesn't talk about it. That's why most people get the impression that Ripple is replacing XRP with RLUSD.
XRP is more alive than ever, and its role will not be replaced by any digital asset let alone a stablecoin.
The heart of Ripple is XRP, not RLUSD.
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STANDARD CHARTERED JUST WENT 24/7 IN HONG KONG 🇭🇰🚨
Standard Chartered has launched tokenized bank deposits in Hong Kong.
Real-time transfers between banks, settled around the clock.
Now look at the timing.
This morning, the same Standard Chartered exec quoted in the launch ech Week stage with Ripple's Fiona Murray.
And Standard Chartered isn't just a neighbour on stage.
They're a Ripple partner:
✅ An early investor in Ripple
✅ Used Ripple for cross-border payments
✅ Now holds RLUSD on the XRP Ledger for big clients
Hong Kong's central bank put it simply: 🗣️
"a trend is emerging in the launch of tokenised deposits by banks worldwide."
The banks are catching up to 24/7.
@Ripple is already waiting for them. 🌊
Standard Chartered has launched tokenized bank deposits in Hong Kong.
Real-time transfers between banks, settled around the clock.
Now look at the timing.
This morning, the same Standard Chartered exec quoted in the launch ech Week stage with Ripple's Fiona Murray.
And Standard Chartered isn't just a neighbour on stage.
They're a Ripple partner:
✅ An early investor in Ripple
✅ Used Ripple for cross-border payments
✅ Now holds RLUSD on the XRP Ledger for big clients
Hong Kong's central bank put it simply: 🗣️
"a trend is emerging in the launch of tokenised deposits by banks worldwide."
The banks are catching up to 24/7.
@Ripple is already waiting for them. 🌊
JUST IN: 🇭🇰 Standard Chartered officially launches tokenized bank deposits in Hong Kong.
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5 OF SWIFT'S 17 LEDGER BANKS ALREADY WORK WITH RIPPLE 🚨
Swift's new blockchain ledger is live with 17 banks piloting 24/7 cross-border payments.
Look who's on that list:
🏦 HSBC
🏦 Standard Chartered
🏦 DBS
🏦 FirstRand
🏦 BNY, which holds RLUSD's reserves and now holds XRP few years and UBS, MUFG and Itaú were all announced as Ripple network customers too.
That's 8 of the 17 with a Ripple link, past or present.
"Make money move where it's required so that business can flow."
The XRP Ledger has been doing exactly that 24/7 since 2012.
The banks are already here. 🌊
Swift's new blockchain ledger is live with 17 banks piloting 24/7 cross-border payments.
Look who's on that list:
🏦 HSBC
🏦 Standard Chartered
🏦 DBS
🏦 FirstRand
🏦 BNY, which holds RLUSD's reserves and now holds XRP few years and UBS, MUFG and Itaú were all announced as Ripple network customers too.
That's 8 of the 17 with a Ripple link, past or present.
"Make money move where it's required so that business can flow."
The XRP Ledger has been doing exactly that 24/7 since 2012.
The banks are already here. 🌊
"The whole point of the ledger is not just to have a blockchain, it's to make money move where it's required so that business can flow," said Swift’s Thomas Dugauquier, speaking at @Sibos 2026.
At the event, conversations around digital assets reflected a broader shift in s no longer centred on the potential of tokenisation alone, but on how tokenised forms of value can operate at scale and connect with the wider financial ecosystem. Find out more: bit.ly/4dWd5X4
#CrossBorderPayments #Sibos
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HONG KONG AND DUBAI. SAME MORNING. @Ripple IN BOTH. 🌏
While most of us were still asleep:
🇭🇰 Hong Kong FinTech Week: Ripple's Fiona Murray on stage with Standard Chartered, with Hong Kong's financial regulator (the SFC) running the panel
🇦🇪 Dubai Fintech Summit: Ripple's on a panel next to BlackRock, Robinhood and Standard Chartered
Ripple is a Gold sponsor in Hong Kong and a Platinum sponsor in Dubai.
And it's not just talk:
✅ Fully licensed by Dubai's financial regulator
✅ RLUSD approved in Dubai and Abu Dhabi
✅ RLUSD listed on OSL in Hong Kong
The biggest names in finance keep pulling up a chair next to Ripple. 🤝
And this is just Monday.
Big week ahead. 👀🔔
While most of us were still asleep:
🇭🇰 Hong Kong FinTech Week: Ripple's Fiona Murray on stage with Standard Chartered, with Hong Kong's financial regulator (the SFC) running the panel
🇦🇪 Dubai Fintech Summit: Ripple's on a panel next to BlackRock, Robinhood and Standard Chartered
Ripple is a Gold sponsor in Hong Kong and a Platinum sponsor in Dubai.
And it's not just talk:
✅ Fully licensed by Dubai's financial regulator
✅ RLUSD approved in Dubai and Abu Dhabi
✅ RLUSD listed on OSL in Hong Kong
The biggest names in finance keep pulling up a chair next to Ripple. 🤝
And this is just Monday.
Big week ahead. 👀🔔
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REMEMBER THIS FEELING⏳📸
Vet's right. The mood is low, but the building hasn't stopped.
Every cycle it's the same story.
When it's loud, everyone's in.
When it's quiet, everyone's out.
The ones who win are the ones who stay calm when everyone else is scared.
6 months from er the fear.
They'll remember what they did while everyone else was scared.
Brad's favourite quote says it all. 👇
Vet's right. The mood is low, but the building hasn't stopped.
Every cycle it's the same story.
When it's loud, everyone's in.
When it's quiet, everyone's out.
The ones who win are the ones who stay calm when everyone else is scared.
6 months from er the fear.
They'll remember what they did while everyone else was scared.
Brad's favourite quote says it all. 👇
I know many people feel very discouraged because of the market conditions.
And i have absolutely zero doubt that we'll bounce back so much stronger than before with all the hard work that is being put in.
Don’t let your emotions take over. That leads to opposing XRP Ledger adoption, putting XRP and XRPL issued assets against each other, asking executives for help and ultimately heading down the path of division.
Everything that has happened so far is exactly what you want to see in order to push XRP and the XRP Ledger as the trusted settlement layer for all kinds of value that exists in the world. Including dollars with RLUSD, USDC or Brazilian Real etc.
Bringing use cases to the XRP Ledger and making it the desired settlement and custody blockchain is only good for XRP.
The pie of activity and volume by using everything the XRP Ledger has to offer including issued assets is so much bigger than any siloed use case.
We are making full use of the XRP Ledger.
And that's exactly what I want to see as an XRP holder, XRPL infrastructure operator and contributor.
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THEY LAUGH AT DOUBLE DIGIT XRP. LOOK WHAT'S BEEN BUILT 👀
The last few weeks:
🏦 Ripple got final approval for its US national trust bank
💵 RLUSD hit $2.6B, up 88%+ this year, now on Coinbase, Robinhood, Binance, Kraken and OKX
📈 Evernorth is trading on Nasdaq as XRPN, ⚡ Batch transactions went live on the XRPL on 9 Oct
🗳️ Lending and vaults are in validator voting right now
🧺 US XRP ETFs hold about 1.2B XRP
A bank. A dollar stablecoin. A Nasdaq treasury. ETFs. Its own ledger.
Ripple, XRP and RLUSD tick every box.
Name me one other crypto with all of that. 👇
And no, RLUSD isn't "the new XRP."
On the XRP Ledger, 92% of RLUSD swaps traded against XRP. Every RLUSD transfer there burns a little XRP forever.
RLUSD doesn't replace XRP. It runs through it.
Back in 2017 David Schwartz put it simply: "So higher prices make payments cheaper."
The bigger the money, the bigger XRP has to be. 🌊
The last few weeks:
🏦 Ripple got final approval for its US national trust bank
💵 RLUSD hit $2.6B, up 88%+ this year, now on Coinbase, Robinhood, Binance, Kraken and OKX
📈 Evernorth is trading on Nasdaq as XRPN, ⚡ Batch transactions went live on the XRPL on 9 Oct
🗳️ Lending and vaults are in validator voting right now
🧺 US XRP ETFs hold about 1.2B XRP
A bank. A dollar stablecoin. A Nasdaq treasury. ETFs. Its own ledger.
Ripple, XRP and RLUSD tick every box.
Name me one other crypto with all of that. 👇
And no, RLUSD isn't "the new XRP."
On the XRP Ledger, 92% of RLUSD swaps traded against XRP. Every RLUSD transfer there burns a little XRP forever.
RLUSD doesn't replace XRP. It runs through it.
Back in 2017 David Schwartz put it simply: "So higher prices make payments cheaper."
The bigger the money, the bigger XRP has to be. 🌊
For some context, a 1T marketcap $XRP puts it at $15.
Yet these same people will laugh at or mock anyone who suggests a double digit $XRP, despite it being one of the longest surviving and most consistently highest valued cryptos in this entire space, while at the same time arguing that random memecoins can realistically hit these same marketcap levels.
Its actually insane.
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LOANS ARE COMING TO THE XRP LEDGER 🏦
That's what's being voted on right now.
Native lending, built into the XRP Ledger itself.
No middleman app.
Native vaults to pool the money.
19 validators say yes to lending. 21 to vaults. 28 switches it on.
The bank is almost open. 🏰
That's what's being voted on right now.
Native lending, built into the XRP Ledger itself.
No middleman app.
Native vaults to pool the money.
19 validators say yes to lending. 21 to vaults. 28 switches it on.
The bank is almost open. 🏰
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RIPPLE JUST GOT A BANK CHARTER AND AN A2 RATING IN THE SAME WEEK 🏦
The OCC said yes.
Moody's said A2.
Deloitte checked the reserves: $2.52B behind 2.40B RLUSD.
Coinbase. Robinhood. BNY. Standard Chartered.
Jack says ALL of them are on XRPL.
They told you banks would never touch it. 👀
The OCC said yes.
Moody's said A2.
Deloitte checked the reserves: $2.52B behind 2.40B RLUSD.
Coinbase. Robinhood. BNY. Standard Chartered.
Jack says ALL of them are on XRPL.
They told you banks would never touch it. 👀
The $RLUSD monthly independent attestation for September is now live.
Recent highlights: Continued growth and utility across the board, from new distribution on @coinbase and @RobinhoodApp to expanded institutional adoption with @BNY, @StanChart and @DriveWealth (ALL of the above on XRPL), alongside landmark regulatory and ratings achievements with the @USOCC and @moodysratings.
Full reports: ripple.com/solutions/stab…
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HOWARD MOON JUST CHANGED HIS PROFILE PICTURE 🚨
His bio: "I don't accessorise. I'm Howard Moon. There's a simple truth to me."
So why the ring?
Right hand, a match for a 1942 US Treasury service ring.
He follows one account. The US Treasury.
Purple suit. 589 on the jacket. le, green and yellow wormhole.
Purple = XRP, Yellow = USD, Green = BTC.
Three fingers and a thumb on each hand. 🧐
Ripple Riddler on YouTube did a similar wormhole in a video once.
"The Declaration of Independence."
Dated 28 October 2019.
He came out the other side to XRP fireworks. ⬇️
youtu.be/Bg3ojzPQVtU?is…
The next upload?
His "Final Broadcast."
A clip from ‘V for Vendetta’, posted on November 4th.
youtu.be/iSNBmwEzvUE?is…
Remember, remember the 5th of November? 🌕
Expect fireworks 👀
His bio: "I don't accessorise. I'm Howard Moon. There's a simple truth to me."
So why the ring?
Right hand, a match for a 1942 US Treasury service ring.
He follows one account. The US Treasury.
Purple suit. 589 on the jacket. le, green and yellow wormhole.
Purple = XRP, Yellow = USD, Green = BTC.
Three fingers and a thumb on each hand. 🧐
Ripple Riddler on YouTube did a similar wormhole in a video once.
"The Declaration of Independence."
Dated 28 October 2019.
He came out the other side to XRP fireworks. ⬇️
youtu.be/Bg3ojzPQVtU?is…
The next upload?
His "Final Broadcast."
A clip from ‘V for Vendetta’, posted on November 4th.
youtu.be/iSNBmwEzvUE?is…
Remember, remember the 5th of November? 🌕
Expect fireworks 👀
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BLACKROCK'S BUIDL IS HEADED FOR XRP. 🚨
The team that put BlackRock's fund on-chain just said it on camera.
12 blockchains already.
🗣️ "Very soon it will reach XRP."
The world's biggest asset manager is coming to our ledger. 👀
The team that put BlackRock's fund on-chain just said it on camera.
12 blockchains already.
🗣️ "Very soon it will reach XRP."
The world's biggest asset manager is coming to our ledger. 👀
New episode of The Meridian: youtu.be/XORSHmuRuEE
What's a share of Apple worth at 7 p.m. on a Saturday?
Somebody has to answer that before tokenized stocks can trade around the clock. @MarcinRedStone answers it for a living.
He sat down with @ashgoblue at @XRPSEOUL to talk en Wall Street is closed, what it took to bring BlackRock's BUIDL fund on-chain, and why he spent eight days in Seoul meeting with Korea's financial institutions.
Not investment advice or an offer of securities. Contains forward-looking statements; actual results may differ materially. Risk factors: sec.gov/edgar/browse/?…
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XRP JUST HAD A MONSTER QUARTER. 🚀
Q3 2026: 👇
Stablecoins on the XRPL up 25.2% to $1.03B.
ETP inflows up 39.6% to $355.3M.
DEX volume up 20.2% to $614.8M.
42.82B XRP moved in payments.
Every number went up.
This is what adoption looks like. 👀
Q3 2026: 👇
Stablecoins on the XRPL up 25.2% to $1.03B.
ETP inflows up 39.6% to $355.3M.
DEX volume up 20.2% to $614.8M.
42.82B XRP moved in payments.
Every number went up.
This is what adoption looks like. 👀
XRP in Q3 2026 - Key highlights.
1. XRP Ledger stablecoin supply rose 25.2% to $1.03B.
2. Global XRP ETP net inflows grew 39.6% to $355.3M (AUM $3.32B).
3. Payment volume climbed 4.3% to 42.82B XRP; native DEX volume rose 20.2% to $614.8M.
4. Distributed tokenized RWA value .7M; Aviva launched a tokenized fund with BNY Mellon.
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THE XRPL IS OUTGROWING THE GIANTS. 🚨
Last 30 days, real-world assets:
The XRPL grew faster than Solana.
Faster than Stellar.
Faster than BNB.
+28.81% in a single month.
The money is picking its rails.
You can argue with people.
You can't argue with data. 📈
Last 30 days, real-world assets:
The XRPL grew faster than Solana.
Faster than Stellar.
Faster than BNB.
+28.81% in a single month.
The money is picking its rails.
You can argue with people.
You can't argue with data. 📈
.@base led distributed RWA value growth over the past 30 days, +69.25% to $650.3M.
The rest of the top 10 that grew:
@XRPLF +28.81% @solana +20.71% @StellarOrg +15.21% @BNBCHAIN +10.98% @arbitrum +4.42%
Data via @RWA_xyz
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