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Ripple Co-Founder Addresses Why Banks Hesitate to Adopt XRP Ledger
The Banking Paradox: 300 Partners But Minimal On-Chain Activity
Ripple co-founder David Schwartz recently responded to community concerns about the limited on-chain activity from the company's 300+ bank partners, despite XRP Ledger's (XRPL) technical capabilities for cross-border settlements. The explanation reveals fundamental institutional hesitations about public blockchain adoption.
Key Reasons Banks Avoid On-Chain XRP Transactions
Control vs. Decentralization Dilemma
Banks require compliance certainty for audit trails, sanctions screening, and transaction reversibility
Public ledgers delegate validation to anonymous nodes—a non-starter for regulated entities
Sanctions Compliance Risks
Schwartz admitted even Ripple can't use XRPL's DEX due to OFAC sanctions uncertainty
"We can’t be sure a terrorist won’t provide the liquidity" – highlighting AML/CFT challenges
Preference for Private Infrastructure
Most partners use RippleNet's off-chain messaging (like SWIFT) while settling via traditional rails
Institutions favor permissioned chains (e.g., JPM Coin) over public ledgers
Schwartz's Optimistic Outlook
While acknowledging slow adoption, Schwartz noted growing institutional interest in hybrid solutions:
Regulated DeFi frameworks gaining traction
CBDC interoperability pilots using XRPL (e.g., Palau, Montenegro)
2025 upgrades enabling compliance-friendly smart contracts
Community Reaction
The explanation disappointed #XRPArmy members who long promoted XRPL as "the most bank-friendly blockchain." Critics argue Ripple's 13-year focus on banks yielded minimal on-chain utility, with:
Daily XRP volume: ~$1.2B (vs. $25B for USDC)
XRPL DEX TVL: Just $85M (per DefiLlama)
What’s Next?
Ripple’s Q3 roadmap emphasizes:
✓ Enterprise-grade privacy features
✓ OFAC-compliant liquidity pools
✓ FedNow integration trials
"The gap isn’t technological—it’s about meeting regulatory guardrails without sacrificing blockchain’s value proposition."
#ripple #bank #xrp
The Banking Paradox: 300 Partners But Minimal On-Chain Activity
Ripple co-founder David Schwartz recently responded to community concerns about the limited on-chain activity from the company's 300+ bank partners, despite XRP Ledger's (XRPL) technical capabilities for cross-border settlements. The explanation reveals fundamental institutional hesitations about public blockchain adoption.
Key Reasons Banks Avoid On-Chain XRP Transactions
Control vs. Decentralization Dilemma
Banks require compliance certainty for audit trails, sanctions screening, and transaction reversibility
Public ledgers delegate validation to anonymous nodes—a non-starter for regulated entities
Sanctions Compliance Risks
Schwartz admitted even Ripple can't use XRPL's DEX due to OFAC sanctions uncertainty
"We can’t be sure a terrorist won’t provide the liquidity" – highlighting AML/CFT challenges
Preference for Private Infrastructure
Most partners use RippleNet's off-chain messaging (like SWIFT) while settling via traditional rails
Institutions favor permissioned chains (e.g., JPM Coin) over public ledgers
Schwartz's Optimistic Outlook
While acknowledging slow adoption, Schwartz noted growing institutional interest in hybrid solutions:
Regulated DeFi frameworks gaining traction
CBDC interoperability pilots using XRPL (e.g., Palau, Montenegro)
2025 upgrades enabling compliance-friendly smart contracts
Community Reaction
The explanation disappointed #XRPArmy members who long promoted XRPL as "the most bank-friendly blockchain." Critics argue Ripple's 13-year focus on banks yielded minimal on-chain utility, with:
Daily XRP volume: ~$1.2B (vs. $25B for USDC)
XRPL DEX TVL: Just $85M (per DefiLlama)
What’s Next?
Ripple’s Q3 roadmap emphasizes:
✓ Enterprise-grade privacy features
✓ OFAC-compliant liquidity pools
✓ FedNow integration trials
"The gap isn’t technological—it’s about meeting regulatory guardrails without sacrificing blockchain’s value proposition."
#ripple #bank #xrp
"Huma Finance vs Banks: The Video Game"
"Imagine if banking was a RPG:
Banks:
☠️ Pay 15% interest (Boss Battle)
📜 17-page quest scroll (loan docs)
⌛ 30-day wait for loot
Huma Finance:
⚡ Instant approval (Speed Boost)
💎 12% APY loot drops (Daily Rewards)
🔓 No final boss (KYC-free)
Which character are you picking? 👇"
#defi #bank @Huma Finance 🟣 #FOMCMeeting
"Imagine if banking was a RPG:
Banks:
☠️ Pay 15% interest (Boss Battle)
📜 17-page quest scroll (loan docs)
⌛ 30-day wait for loot
Huma Finance:
⚡ Instant approval (Speed Boost)
💎 12% APY loot drops (Daily Rewards)
🔓 No final boss (KYC-free)
Which character are you picking? 👇"
#defi #bank @Huma Finance 🟣 #FOMCMeeting
🔥 BECOME THE BANK: How @Huma Finance 🟣 Turns YOUR Crypto into Real-World Yield
For 50 years, banks hoarded 98% of loan profits:
⏱️ Earn 10.5% APY in USDC funding real businesses
🔄 0.1% transaction fees – 150x cheaper than banks
🔮 $3.8B+ processed – proof the PayFi revolution works
Why this terrifies traditional finance:
✅ No KYC required – permissionless yield for all
✅ Instant settlements via Solana – no 3-day SWIFT delays 10
✅ Real-world use cases:
▸ Cross-border trade finance
▸ Tokenized invoice advances
#bank #payfi #RealYield #FOMCMeeting #FOMCMeeting
#MarketSentimentToday $HUMA
For 50 years, banks hoarded 98% of loan profits:
⏱️ Earn 10.5% APY in USDC funding real businesses
🔄 0.1% transaction fees – 150x cheaper than banks
🔮 $3.8B+ processed – proof the PayFi revolution works
Why this terrifies traditional finance:
✅ No KYC required – permissionless yield for all
✅ Instant settlements via Solana – no 3-day SWIFT delays 10
✅ Real-world use cases:
▸ Cross-border trade finance
▸ Tokenized invoice advances
#bank #payfi #RealYield #FOMCMeeting #FOMCMeeting
#MarketSentimentToday $HUMA
UAE Bank Brings Web3 to Mobile Banking
RAKBANK and Bitpanda have launched a crypto trading function inside the bank’s app.
The service offers access to 8 key assets, with transactions done entirely within the app — no exchange needed. Low fees, full compliance.
#UAE #bank #FOMCMeeting
RAKBANK and Bitpanda have launched a crypto trading function inside the bank’s app.
The service offers access to 8 key assets, with transactions done entirely within the app — no exchange needed. Low fees, full compliance.
#UAE #bank #FOMCMeeting
🔴 Here are the most important developments:
⬅️ A look at global market reactions to the US-EU trade agreement
• The S&P 500 index hit a new record high during yesterday's session
• European indices rise today after yesterday's declines. The euro declines after a trade agreement favoring the US. France describes the agreement as "a dark day for Europe!"
• Trump intends to impose tariffs ranging from 15% to 20% on countries that reject trade agreements.
• The pound falls to a two-month low: $1.3331
• The US consumer confidence and job openings data for June will be released this afternoon.
#CryptoAMA #S&P500 #bank #Informational #BinanceHODLerTree
⬅️ A look at global market reactions to the US-EU trade agreement
• The S&P 500 index hit a new record high during yesterday's session
• European indices rise today after yesterday's declines. The euro declines after a trade agreement favoring the US. France describes the agreement as "a dark day for Europe!"
• Trump intends to impose tariffs ranging from 15% to 20% on countries that reject trade agreements.
• The pound falls to a two-month low: $1.3331
• The US consumer confidence and job openings data for June will be released this afternoon.
#CryptoAMA #S&P500 #bank #Informational #BinanceHODLerTree
U.S. Senate Releases Draft of Landmark CLARITY Act to Resolve Crypto Regulatory Uncertainty
Historic Legislation Proposed
The U.S. Senate Banking Committee has taken a major step toward resolving the cryptocurrency industry's longstanding regulatory ambiguities by releasing the discussion draft of the CLARITY Act. Spearheaded by Committee Chairman Tim Scott, this comprehensive legislation aims to establish clear definitions for digital assets while delineating the Securities and Exchange Commission's (SEC) oversight authority in the crypto market. The draft's publication marks a potential turning point for an industry that has operated under regulatory uncertainty for years.
Key Provisions and Definitions
At the heart of the CLARITY Act are provisions that would:
- Create formal classifications distinguishing between crypto securities and commodities
- Establish precise jurisdictional boundaries between the SEC and CFTC
- Implement standardized custody requirements for institutional participants
- Develop new market surveillance protocols for digital asset exchanges
Political Landscape and Timeline
The legislation appears to be gaining rare bipartisan traction, with reported support from both Senate leadership and the White House. The Senate Agriculture Committee is expected to collaborate closely on the bill's final language, particularly regarding commodities oversight. Lawmakers have opened a 45-day public comment period running through early September, with ambitions to bring the bill to a floor vote before the October recess.
Market Implications and Industry Response
Initial reactions from crypto market participants suggest the CLARITY Act could:
- Trigger significant price volatility as projects face potential reclassification
- Accelerate institutional adoption by providing regulatory certainty
- Force compliance overhauls for tokens currently in regulatory gray areas
Rashan Colbert, U.S. Policy Director at Crypto Council for Innovation, emphasized the legislation's importance: "This framework represents the missing piece that could unlock institutional capital while protecting consumers. The coordination between Banking and Agriculture committees will be critical for creating cohesive market structure rules."
#CryptoScamSurge #us #crypto #TRUMP #bank
The U.S. Senate Banking Committee has taken a major step toward resolving the cryptocurrency industry's longstanding regulatory ambiguities by releasing the discussion draft of the CLARITY Act. Spearheaded by Committee Chairman Tim Scott, this comprehensive legislation aims to establish clear definitions for digital assets while delineating the Securities and Exchange Commission's (SEC) oversight authority in the crypto market. The draft's publication marks a potential turning point for an industry that has operated under regulatory uncertainty for years.
Key Provisions and Definitions
At the heart of the CLARITY Act are provisions that would:
- Create formal classifications distinguishing between crypto securities and commodities
- Establish precise jurisdictional boundaries between the SEC and CFTC
- Implement standardized custody requirements for institutional participants
- Develop new market surveillance protocols for digital asset exchanges
Political Landscape and Timeline
The legislation appears to be gaining rare bipartisan traction, with reported support from both Senate leadership and the White House. The Senate Agriculture Committee is expected to collaborate closely on the bill's final language, particularly regarding commodities oversight. Lawmakers have opened a 45-day public comment period running through early September, with ambitions to bring the bill to a floor vote before the October recess.
Market Implications and Industry Response
Initial reactions from crypto market participants suggest the CLARITY Act could:
- Trigger significant price volatility as projects face potential reclassification
- Accelerate institutional adoption by providing regulatory certainty
- Force compliance overhauls for tokens currently in regulatory gray areas
Rashan Colbert, U.S. Policy Director at Crypto Council for Innovation, emphasized the legislation's importance: "This framework represents the missing piece that could unlock institutional capital while protecting consumers. The coordination between Banking and Agriculture committees will be critical for creating cohesive market structure rules."
#CryptoScamSurge #us #crypto #TRUMP #bank
🏦 1. Японский банк сэкономил $1.2 млн за 6 месяцев с RippleNet
MUFG Bank (Япония) внедрил RippleNet для переводов в Таиланд и Филиппины. Результаты за 2024 год 2:
Сокращение времени с 3 дней до 18 секунд;
Комиссии снижены на 87% — с $15-25 до $1.9-3.2 за транзакцию;
Объём обработанных платежей: $47 млн/мес.
💡 XRP — не спекуляция, а инструмент. Скорость 1500 транзакций/сек и комиссия $0.0002 меняют банкинг
#xrp #Ripple #bank $XRP
MUFG Bank (Япония) внедрил RippleNet для переводов в Таиланд и Филиппины. Результаты за 2024 год 2:
Сокращение времени с 3 дней до 18 секунд;
Комиссии снижены на 87% — с $15-25 до $1.9-3.2 за транзакцию;
Объём обработанных платежей: $47 млн/мес.
💡 XRP — не спекуляция, а инструмент. Скорость 1500 транзакций/сек и комиссия $0.0002 меняют банкинг
#xrp #Ripple #bank $XRP
Oleksii Khomenko:
💪
💸 Cómo Retirar Fondos de Binance a Tu Banco en Argentina (Actualización 2025)
¿Listo para pasar tus ganancias cripto del mundo digital a tu cuenta bancaria argentina? ¡Aquí tenés una guía sencilla y paso a paso para retirar fondos de Binance directamente a tu banco! 🏦💵
Paso 1: Completá Tu KYC (Verificación de Identidad)
Este es el primer y más importante paso. Sin una verificación de identidad completa, no podrás retirar dinero fiat.
* Andá a Perfil > Identificación.
* Subí una foto de tu DNI (frente y dorso).
* Realizá la verificación facial siguiendo las instrucciones.
* Esperá la aprobación; suele tomar desde minutos hasta unas pocas horas.
Paso 2: Vinculá Tu Cuenta Bancaria Argentina
Una vez verificado tu KYC, es hora de conectar tu banco local.
* Navegá a Billetera > Fiat & Spot > Retirar.
* Elegí ARS (Pesos Argentinos) como la moneda en la que querés retirar.
* Seleccioná Transferencia Bancaria como método (generalmente se utiliza transferencia SPEI o transferencia bancaria local, aunque en Argentina suele ser una transferencia a CVU/CBU).
* Agregá tus datos bancarios:
* Nombre completo del titular de la cuenta (debe coincidir exactamente con el nombre en tu cuenta de Binance).
* CUIT/CUIL.
* CBU o CVU de tu cuenta bancaria o billetera virtual.
* Asegurate de que todos los datos sean correctos para evitar demoras.
Paso 3: Elegí Tu Monto de Retiro
Decidí cuánto querés retirar.
* Confirmá que elegiste ARS y tu banco/CVU preferido.
* Ingresá la cantidad de Pesos Argentinos que querés retirar.
* Revisá las tarifas aplicables y el monto neto que recibirás antes de confirmar. Tené en cuenta que las comisiones y los tipos de cambio pueden variar.
Paso 4: Confirmá los Detalles del Retiro
¡Doble chequeo para evitar errores!
* Verificá que la información bancaria (CBU/CVU) sea correcta.
* Asegurate de que la moneda sea ARS.
* Confirmá que entendés la comisión de retiro.
* Una vez que todo esté bien, hacé clic en Enviar.
Paso 5: Completá la Verificación de Retiro
Este paso añade una capa de seguridad para tus fondos.
* Ingresá el código de verificación por correo electrónico (lo recibirás)
* Ingresá el código de verificación por SMS (lo recibirás en tu teléfono registrado)
* Si tienes habilitado el Google Authenticator, ingresa también el código de autenticación.
* Hacé clic en "Confirmar" para finalizar el retiro.
¡Y listo! Una vez confirmada la verificación, tu retiro será procesado. Los tiempos de acreditación pueden variar según el banco, pero generalmente se completan en unas pocas horas hábiles. ¡Ahora tus fondos están en tu cuenta bancaria argentina!
Importante: Siempre revisá las últimas políticas y tarifas de Binance, ya que pueden actualizarse. Si tenés alguna duda, contactá al soporte de Binance.
#argentina #bank #TakeProfits #Inflation #CryptoClarityAct
Paso 1: Completá Tu KYC (Verificación de Identidad)
Este es el primer y más importante paso. Sin una verificación de identidad completa, no podrás retirar dinero fiat.
* Andá a Perfil > Identificación.
* Subí una foto de tu DNI (frente y dorso).
* Realizá la verificación facial siguiendo las instrucciones.
* Esperá la aprobación; suele tomar desde minutos hasta unas pocas horas.
Paso 2: Vinculá Tu Cuenta Bancaria Argentina
Una vez verificado tu KYC, es hora de conectar tu banco local.
* Navegá a Billetera > Fiat & Spot > Retirar.
* Elegí ARS (Pesos Argentinos) como la moneda en la que querés retirar.
* Seleccioná Transferencia Bancaria como método (generalmente se utiliza transferencia SPEI o transferencia bancaria local, aunque en Argentina suele ser una transferencia a CVU/CBU).
* Agregá tus datos bancarios:
* Nombre completo del titular de la cuenta (debe coincidir exactamente con el nombre en tu cuenta de Binance).
* CUIT/CUIL.
* CBU o CVU de tu cuenta bancaria o billetera virtual.
* Asegurate de que todos los datos sean correctos para evitar demoras.
Paso 3: Elegí Tu Monto de Retiro
Decidí cuánto querés retirar.
* Confirmá que elegiste ARS y tu banco/CVU preferido.
* Ingresá la cantidad de Pesos Argentinos que querés retirar.
* Revisá las tarifas aplicables y el monto neto que recibirás antes de confirmar. Tené en cuenta que las comisiones y los tipos de cambio pueden variar.
Paso 4: Confirmá los Detalles del Retiro
¡Doble chequeo para evitar errores!
* Verificá que la información bancaria (CBU/CVU) sea correcta.
* Asegurate de que la moneda sea ARS.
* Confirmá que entendés la comisión de retiro.
* Una vez que todo esté bien, hacé clic en Enviar.
Paso 5: Completá la Verificación de Retiro
Este paso añade una capa de seguridad para tus fondos.
* Ingresá el código de verificación por correo electrónico (lo recibirás)
* Ingresá el código de verificación por SMS (lo recibirás en tu teléfono registrado)
* Si tienes habilitado el Google Authenticator, ingresa también el código de autenticación.
* Hacé clic en "Confirmar" para finalizar el retiro.
¡Y listo! Una vez confirmada la verificación, tu retiro será procesado. Los tiempos de acreditación pueden variar según el banco, pero generalmente se completan en unas pocas horas hábiles. ¡Ahora tus fondos están en tu cuenta bancaria argentina!
Importante: Siempre revisá las últimas políticas y tarifas de Binance, ya que pueden actualizarse. Si tenés alguna duda, contactá al soporte de Binance.
#argentina #bank #TakeProfits #Inflation #CryptoClarityAct
Only ONE Crypto company is sitting at the bankers table....and it ain't circle.
Ripple is now the Platinum member of the American Banker Association-the same org that represents $18 Trillion in U.S Bank Deposits.
They wouldn't say it out loud...but $XRP is already playing in the big leagues.
Stay ready 🚀🚀
#RİPPLE #american #xrp #bank
Ripple is now the Platinum member of the American Banker Association-the same org that represents $18 Trillion in U.S Bank Deposits.
They wouldn't say it out loud...but $XRP is already playing in the big leagues.
Stay ready 🚀🚀
#RİPPLE #american #xrp #bank
Ethereum достиг своей первой долгосрочной цели Фибоначчи! 🚀 Это уже круто, не правда ли? 😎 Но вот вопрос: что если сейчас мы видим формирование двойной вершины? 🤔 Если цена упадет ниже $3500, это может подтвердить наш сценарий... что будет дальше? 😱 А если она снизится до $3000? Это не 20% потери от текущих уровней, а отличная возможность для тех, кто готов рискнуть! 💸✨ Но разве не именно такие моменты могут стать шансом для новых выгодных входов? 📈🔮 Важно помнить о всех сценариях, но разве не это делает криптовалюты такими захватывающими? 🤩💥
#Риски #LONG📈 #USA #Trump #bank $ETH $BONK
#Риски #LONG📈 #USA #Trump #bank $ETH $BONK
ETHUSDT
Perp
38X
Ouverture Long
G et P latents
-17.13USDT
#Bank Trade 📈
✅ Entry Zone:
Buy within $0.03850 – $0.04550 for a low-risk setup.
⛔ Stop Loss: Set at $0.03550 to limit downside risk.
🎯 Profit Targets:
Target 1: $0.05000📍 (Move stop to breakeven)
Target 2: $0.05850🎯
Target 3: $0.07000🚀
📊 Risk/Reward Ratio: Aim for 3:1 ⚖️ to maximize gains.
🔄 Strategy: Adjust stop-loss to breakeven after hitting the first target.
Take Love 🇸🇩💜
$BTC $ETH
✅ Entry Zone:
Buy within $0.03850 – $0.04550 for a low-risk setup.
⛔ Stop Loss: Set at $0.03550 to limit downside risk.
🎯 Profit Targets:
Target 1: $0.05000📍 (Move stop to breakeven)
Target 2: $0.05850🎯
Target 3: $0.07000🚀
📊 Risk/Reward Ratio: Aim for 3:1 ⚖️ to maximize gains.
🔄 Strategy: Adjust stop-loss to breakeven after hitting the first target.
Take Love 🇸🇩💜
$BTC $ETH
#TradeStories #MostRecentTrade #bank #BTCtrade #ETH
also Trade short position and small profit to big impact your portfolio.
also Trade short position and small profit to big impact your portfolio.
V
BANKUSDT
Perp
Fermée
G et P
-3.51USDT
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