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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. ;)
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🚨 XRP ARMY… THIS RABBIT HOLE JUST GOT DEEPER! 🐇👀

📅 02/04/2021 - Mr Pool posts:

“SORRY! WE ARE EXPERIENCING TECHNICAL DIFFICULTIES”

📅 11/04/2026 - Elon Musk posts the same image.

2/4 > 11/4 (TODAY)

Right after the US midterms. 🇺🇸

The timing is not normal.

I think thing much bigger.

What if the next chapter involves election integrity, long-awaited evidence and questions that have yet to be answered?

Coincidence… or something more? 👁️

Drop your theory below.
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RIPPLE x LONDON 🇬🇧🚨

Ripple bet big on the UK early.

Now the London office is the largest outside the US - and it’s over capacity.

Ripple's Cassie Craddock confirmed it after a fireside chat at the British Residence in New York on the sidelines of Swell.

2018: two floors. oday: three floors. Every desk full. Over capacity.

The UK already had the building blocks - deep capital markets, world-class legal frameworks, exceptional talent.

Regulation was the missing piece.

Post-MiCA a gap opened.

Now that gap is closing with a full cryptoasset and stablecoin framework incoming.

And the institutions are moving.

Aviva Investors just tokenised a share class of their £22 billion Sterling Liquidity Fund on the XRP Ledger.

Aviva put £50 million of their own money in.

This is not a pilot.

This is a major UK asset manager putting real capital to work on XRPL.

The desks are full.

The framework is coming.

The institutions are engaging.

Ripple didn’t wait.

It started in LDN.

The institutions are coming.
Had the pleasure of joining a fireside chat at the British Residence in New York last week, on the sidelines of Swell, talking about the UK’s role in the future of financial services. TLDR: it's going to be huge.

Not many people know that our London HQ is Ripple's largest office We bet big on London early on. When we took on our current office in 2018 it was two floors with a lot of empty desks. Today it is three floors, every desk is full and we are over capacity.

We made that bet because the UK had the building blocks: deep capital markets, world-leading legal frameworks and regulators, and exceptional talent. But regulation was the missing piece. Post-MiCA, a gap opened up: we were signing deals with major banks across the EU while large UK institutions held back.

That has changed. The UK now has a comprehensive cryptoasset and stablecoin framework incoming, we have a superb City Minister @LucyRigby KC MP and Digital Markets Champion Christopher Woolard CBE driving this agenda forward at real pace, and we are starting to see meaningful engagement from leading financial institutions.

Last week’s announcement with @avivainvestors is a great proof point: a tokenised share class of their £22 billion Sterling Liquidity Fund, launched on the XRP Ledger.

Thanks to the British Consulate team for hosting, City of London Corporation for convening and to @citypolicychair for moderating our discussion. I'm excited for what comes next.
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SWIFT JUST ANNOUNCED THAILAND'S FIRST GATEWAY BANK. LOOK WHO IT'S CONNECTED TO. 🚨

October 27. Swift announces Kasikornbank (KBank) as Thailand's first gateway in its new payments scheme.

Sounds like another banking announcement.

Until you start digging. 🪏

MAY 2025. StraitsX ecoin on the XRP Ledger in partnership with Ripple.

FEBRUARY 2026. Thailand's KBank signs an agreement with South Korea's Kbank to explore blockchain remittances.

APRIL 8. KBank expands blockchain payments with Singapore, connecting its Q-money system with that SAME XSGD stablecoin under a regulatory sandbox.

APRIL 27. That SAME Korean bank announces a Ripple partnership, with Thailand among its reported remittance testing destinations.

But here's where it gets REALLY interesting.

OCTOBER 23.

Just FOUR DAYS before Swift's announcement.

Singapore's Monetary Authority announces Ripple as a new participant in Project BLOOM.

Already involved?

KASIKORNBANK.
STRAITSX.
And the BANK OF THAILAND joins as a policymaker participant.

Read that again.

Swift's new Thai gateway bank.

Using a Ripple partner's stablecoin in its blockchain payment infrastructure.

Working with a Korean bank partnered with Ripple.

And participating in the SAME digital settlement initiative as Ripple.

Does this confirm Swift is using XRP? NO.

KBank's published Quarix–StraitsX architecture uses Avalanche, NOT XRPL.

But the connections are REAL. Documented. And hiding in plain sight.

The question is what happens when these payment networks start connecting.

Because Ripple's ecosystem is already in the picture. 👀
สวัสดีประเทศไทย! 🇹🇭 (Hello, Thailand!)

Kasikornbank (KBank) has become Thailand's first gateway bank in the Swift payments scheme, helping financial institutions deliver an enhanced cross-border payment experience with greater transparency, visibility and predictability.

It's r shared ambition: making cross-border payments as simple, transparent and predictable as domestic ones.

We're delighted to have KBank on this journey with us. Find out more: bit.ly/4sEbNpA

#CrossBorderPayments #SwiftScheme
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The future of finance is changing for the BETTER. 🌍

And it's happening with @Ripple, ripple:native & ethereum:0x8292bb45bf1ee4d140127049757c2e0ff06317ed. 🟢👀
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Replying to @Illyriannft
@Illyriannft @buuvva_ Looks tasty to me. I'll take five of 'em.
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Replying to @JoelKatz
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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)
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.”
@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. 👀
@ChairmanSelig Releases Statement on Equity Perpetual Futures: cftc.gov/PressRoom/Pres…
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150 MILLION RLUSD. ONE NIGHT. THE XRP LEDGER. 🚨

110.5M. Then 38.8M.

Straight from the issuer. On the XRP Ledger. ✅

Settled in seconds. 🔥

The XRPL is open for business. 💚
💵💵💵💵💵💵💵💵 110,565,832 $RLUSD minted at RLUSD Treasury.
xrpscan.com/tx/68E6A0BD1F7…
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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…
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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
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. 🌊
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. 🌊
"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. 👀🔔
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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. 👇
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. 🌊
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. 🏰
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Low effort costumes, but we think we look cute.
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Replying to @JoelKatz
@JoelKatz I was expecting a Christmas tree in the background or something... 😉
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APPLE'S NEW MACBOOK PRO AD. LOOK AT THE SCREEN 👀🚨

Of all the shapes Apple could have picked for the demo…

And they landed on one every XRP holder will recognise.

I'm just saying what I see. 🟣
when you see it 👀
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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 $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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