# ![@HurdyGu89077413 Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1364452142040428545.png) @HurdyGu89077413 HurdyGurdy

HurdyGurdy posts on X about liquidity, bank, onchain, flow the most. They currently have [------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::1364452142040428545/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1364452142040428545/c:line/m:interactions.svg)

- [--] Week [---------] +13,277%
- [--] Year [---------] +1,147,534%

### Mentions: [--] [#](/creator/twitter::1364452142040428545/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1364452142040428545/c:line/m:posts_active.svg)

- [--] Week [--] +163%
- [--] Year [--] +4,700%

### Followers: [------] [#](/creator/twitter::1364452142040428545/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1364452142040428545/c:line/m:followers.svg)

- [--] Week [---] +32%
- [--] Month [---] +156%
- [--] Year [---] +349%

### CreatorRank: [-------] [#](/creator/twitter::1364452142040428545/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1364452142040428545/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [cryptocurrencies](/list/cryptocurrencies)  [stocks](/list/stocks)  [currencies](/list/currencies)  [automotive brands](/list/automotive-brands)  [exchanges](/list/exchanges)  [technology brands](/list/technology-brands)  [travel destinations](/list/travel-destinations)  [financial services](/list/financial-services)  [countries](/list/countries) 

**Social topic influence**
[liquidity](/topic/liquidity) #2067, [bank](/topic/bank), [onchain](/topic/onchain) #2076, [flow](/topic/flow), [money](/topic/money), [ledger](/topic/ledger) #777, [stablecoins](/topic/stablecoins) #1466, [crypto](/topic/crypto), [this is](/topic/this-is), [central bank](/topic/central-bank)

**Top accounts mentioned or mentioned by**
[@minuswells](/creator/undefined) [@joelkatz](/creator/undefined) [@ripple](/creator/undefined) [@xmoney](/creator/undefined) [@grok](/creator/undefined) [@bankofengland](/creator/undefined) [@iovowl](/creator/undefined) [@investwithd](/creator/undefined) [@reecemerrick](/creator/undefined) [@anodosfinance](/creator/undefined) [@gemini](/creator/undefined) [@defiant989](/creator/undefined) [@casinocoin](/creator/undefined) [@agents](/creator/undefined) [@autogrillocryp](/creator/undefined) [@ramenswap](/creator/undefined) [@beltfinance](/creator/undefined) [@ellipsisfi](/creator/undefined) [@cryptonobler](/creator/undefined) [@mackattackxrp](/creator/undefined)

**Top assets mentioned**
[HSBC Holdings PLC (HSBC)](/topic/$hsbc) [xMoney (UTK)](/topic/xmoney) [XRP (XRP)](/topic/xrp) [Coinbase Global Inc. (COIN)](/topic/coinbase) [Mastercard, Inc. (MA)](/topic/$ma) [Belt (BELT)](/topic/beltfinance) [Ethereum (ETH)](/topic/ethereum)
### Top Social Posts
Top posts by engagements in the last [--] hours

"@DefianT989 @CasinoCoin Do you know an approximate time"  
[X Link](https://x.com/HurdyGu89077413/status/1872748780078153735)  2024-12-27T20:57Z [--] followers, [--] engagements


"🚀🚀AGENTS +60.3K% in 24h price $0.0033 Discover faster trade faster with GMGN #AGENTS @agents #GMGN Looks like a great project. Lots of community behind them. https://gmgn.ai/sol/token/2UfGxUH9_6G2HAfw7rSb6WgRQnN7Es2PLBJNqYr8DdJ7BSGjzpump https://gmgn.ai/sol/token/2UfGxUH9_6G2HAfw7rSb6WgRQnN7Es2PLBJNqYr8DdJ7BSGjzpump"  
[X Link](https://x.com/HurdyGu89077413/status/1878019671300940015)  2025-01-11T10:02Z [--] followers, [--] engagements


"@Autogrillocryp @ramenswap @BeltFinance @Ellipsisfi $RAMEN"  
[X Link](https://x.com/HurdyGu89077413/status/1380451277545541632)  2021-04-09T09:23Z [---] followers, [--] engagements


"@MinusWells @XMoney XRPL runs [------] TPS baseline and has been stress-tested to [----] TPS. Finality is [--] seconds. Its not trying to be SUI or win a TPS contest. Its built for consistent low-latency settlement. https://xrpl.org/blog/2017/high-scalability-xrp-ledger https://xrpl.org/blog/2017/high-scalability-xrp-ledger"  
[X Link](https://x.com/Hurdy589/status/2023054157826125855)  2026-02-15T15:17Z [---] followers, [--] engagements


"@CryptoNobler @MackAttackXRP @grok how true is this"  
[X Link](https://x.com/Hurdy589/status/2015407673743663417)  2026-01-25T12:53Z [---] followers, 19.1K engagements


"Funny how the conversation always jumps to where to settle personally after price appreciation not where settlement itself actually happens. Capital doesnt end up where taxes are lowest. It ends up where liquidity is deepest legal certainty is highest and systems can clear at scale. People move to Dubai or Florida. Liquidity settles into balance sheets clearing rails and jurisdictions that can support it under regulation. Two very different kinds of settlement. @JoelKatz curious whether you see most people conflating these two when they think about where the value ends up."  
[X Link](https://x.com/Hurdy589/status/2017152090791911551)  2026-01-30T08:25Z [---] followers, [----] engagements


"The key point often missed is that regulatory ambiguity isnt neutral time. In its absence institutions default to over compliance capital ring-fencing and reduced balance sheet willingness to touch new rails at all. Even imperfect market structure creates a common operating assumption. Thats what unlocks integration not ideological agreement. Clarity doesnt end debate but it does let infrastructure actually ship. https://twitter.com/i/web/status/2017348320797082031 https://twitter.com/i/web/status/2017348320797082031"  
[X Link](https://x.com/Hurdy589/status/2017348320797082031)  2026-01-30T21:24Z [---] followers, [---] engagements


"I wrote this after the recent discussion around XRP utility and price. The core point is simple but uncomfortable: settlement infrastructure isnt designed to validate price narratives. Mechanism over sentiment. https://x.com/Hurdy589/status/2017354807330128362 https://t.co/LVQMCXzPVG https://x.com/Hurdy589/status/2017354807330128362 https://t.co/LVQMCXzPVG"  
[X Link](https://x.com/Hurdy589/status/2017355264978977233)  2026-01-30T21:52Z [---] followers, [--] engagements


"@JoelKatz I tried to reflect the execution and settlement constraints you raised earlier without drifting into price narratives. Appreciate the clarity youve brought to an often-muddled topic"  
[X Link](https://x.com/Hurdy589/status/2017356005235884512)  2026-01-30T21:55Z [---] followers, [--] engagements


"@JoelKatz I wrote this trying to reflect the execution and settlement constraints you highlighted recently without drifting into price narratives. If Ive mischaracterised anything Im open to correction"  
[X Link](https://x.com/Hurdy589/status/2017356755605356652)  2026-01-30T21:58Z [---] followers, [--] engagements


"I wrote this after the recent discussion around XRP utility and price. The core point is simple but uncomfortable: settlement infrastructure isnt designed to validate price narratives. Mechanism over sentiment. https://x.com/Hurdy589/status/2017527632246485483 https://t.co/LVQMCXzPVG https://x.com/Hurdy589/status/2017527632246485483 https://t.co/LVQMCXzPVG"  
[X Link](https://x.com/anyuser/status/2017527888614994237)  2026-01-31T09:18Z [---] followers, [---] engagements


"@JoelKatz I wrote this trying to reflect the execution and settlement constraints you highlighted recently without drifting into price narratives. If Ive mischaracterised anything Im open to correction"  
[X Link](https://x.com/anyuser/status/2017528428430315861)  2026-01-31T09:20Z [---] followers, [--] engagements


"@Ripple @HyperliquidX This isnt a price signal. Its an intermediation upgrade. Unified margining and better hedging expand absorption capacity so flow gets intermediated rather than expressed in price. When liquidity works markets go quiet"  
[X Link](https://x.com/Hurdy589/status/2019143154822431049)  2026-02-04T20:16Z [---] followers, [----] engagements


"RLUSD on Ethereum looks like a liquidity access decision rather than an XRPL optimisation. Ethereum offers immediate balance sheet depth and established enterprise liquidity. That explains the concentration without implying a directional outcome for XRPL. The structural question is. how you see RLUSDs role on XRP as a liquidity ingress layer alongside XRP based settlement OR as a settlement primitive that reduces where XRP is required for corridor throughput https://twitter.com/i/web/status/2019146975979962810 https://twitter.com/i/web/status/2019146975979962810"  
[X Link](https://x.com/Hurdy589/status/2019146975979962810)  2026-02-04T20:32Z [---] followers, [--] engagements


"The useful distinction is between ledger capabilities and settlement asset behaviour. AMMs stablecoins tokenisation and EVM connectivity expand intermediation capacity - absorbing flow tightening spreads and neutralising exposure. None of that requires or prefers repricing of the asset itself. https://twitter.com/i/web/status/2019154779059155373 https://twitter.com/i/web/status/2019154779059155373"  
[X Link](https://x.com/Hurdy589/status/2019154779059155373)  2026-02-04T21:03Z [---] followers, [--] engagements


"Worth separating observation from inference. Stability across cycles is real but in settlement systems that usually reflects expanding intermediation capacity not stored directional conviction. Institutions dont need upside asymmetry to use a rail. They need predictable liquidity hedgeability and balance-sheet neutrality. When those are present price tends to be flat by design. https://twitter.com/i/web/status/2019170539688849820 https://twitter.com/i/web/status/2019170539688849820"  
[X Link](https://x.com/Hurdy589/status/2019170539688849820)  2026-02-04T22:05Z [---] followers, [--] engagements


"This is the missing control layer institutions have been waiting for. Permissioned Domains turn the XRPL from open but risky into selectively open under defined credentials. That means counterparties compliance scope and interaction surfaces can be explicitly bounded. For institutions that is the difference between experimentation and deployable liquidity. Not because of demand narratives but because balance-sheet exposure can finally be managed on-ledger. https://twitter.com/i/web/status/2019176907837739440 https://twitter.com/i/web/status/2019176907837739440"  
[X Link](https://x.com/Hurdy589/status/2019176907837739440)  2026-02-04T22:31Z [---] followers, [---] engagements


"True in terms of sequencing but worth being precise about what actually moves. Policy papers and standards lay the rails early. What follows is usually a long period of balance-sheet preparation compliance alignment and liquidity build-out. When things finally look sudden its not markets waking up. Its infrastructure becoming boring enough to be usable at scale. https://twitter.com/i/web/status/2019182845722341712 https://twitter.com/i/web/status/2019182845722341712"  
[X Link](https://x.com/Hurdy589/status/2019182845722341712)  2026-02-04T22:54Z [---] followers, [--] engagements


"Worth separating the headline from the mechanism. If stablecoins are being framed as a financing tool the real question is how: balance sheet treatment reserve composition maturity mismatch and whether this is about cash management and settlement efficiency versus true deficit financing. @Diane Do you see this evolving more as an operational treasury tool or as a structural shift in how short-term government funding is intermediated https://twitter.com/i/web/status/2019297347759386927 https://twitter.com/i/web/status/2019297347759386927"  
[X Link](https://x.com/Hurdy589/status/2019297347759386927)  2026-02-05T06:29Z [---] followers, [--] engagements


"The scale point is fair but the distinction that matters is how that flow would arrive. Institutional payments moving on-chain doesnt imply raw volume hitting the ledger all at once. Most of the work is in orchestration: netting liquidity recycling balance-sheet constraints and compliance controls sitting around the rail. The baby steps framing is probably less about capacity testing and more about risk containment and operational integration. Curious where you think the first real constraint shows up: ledger throughput liquidity provisioning on-ledger or the surrounding treasury and risk"  
[X Link](https://x.com/Hurdy589/status/2019298599062917587)  2026-02-05T06:34Z [---] followers, [----] engagements


"The framing is interesting but the constraint isnt political intent so much as balance-sheet reality. Community banks holding reserves changes where deposits sit but not automatically how risk liquidity coverage and settlement obligations are managed. Stablecoin reserves still need to meet duration liquidity and supervisory requirements that favour scale and standardisation. The real shift would be if reserve placement meaningfully alters intraday liquidity access funding costs or settlement optionality for smaller banks rather than just redistributing custody. @paulbarron do you see this as"  
[X Link](https://x.com/Hurdy589/status/2019317980987863502)  2026-02-05T07:51Z [---] followers, [---] engagements


"The useful way to read this roadmap is not as more DeFi features but as progressive removal of institutional blockers. Permissioned domains credentials and privacy primitives are not about openness. They are about balance-sheet eligibility. If assets cannot be held netted or financed under policy they do not scale regardless of throughput. What stands out is that lending privacy and permissioned markets are converging at the ledger layer not bolted on via contracts. That materially changes settlement certainty and risk control. XRPs role here is structural rather than promotional: fees"  
[X Link](https://x.com/Hurdy589/status/2019488446700744877)  2026-02-05T19:09Z [---] followers, [---] engagements


"Chart patterns can be useful descriptively but they only really force outcomes when they line up with actual liquidity gaps or constraints. Its also not quite like-for-like with years ago. Market structure has changed materially now that institutional participants hedging venues and deeper liquidity are involved. That tends to absorb flow rather than amplify it. Do you have any additional data on liquidity depth or positioning that supports this resolving as expansion rather than continued absorption #XRP https://twitter.com/i/web/status/2019504797754487110"  
[X Link](https://x.com/Hurdy589/status/2019504797754487110)  2026-02-05T20:13Z [---] followers, [---] engagements


"Very Interesting. When the signal fires what actually changes in the market at that point For example do you see things like liquidity refilling more slowly trades causing more slippage or the AMM price drifting away from the order book either before or after the trigger Im trying to understand what in your view separates normal deep liquidity thats just absorbing sell flow from genuine seller exhaustion. https://twitter.com/i/web/status/2019549629637865951 https://twitter.com/i/web/status/2019549629637865951"  
[X Link](https://x.com/Hurdy589/status/2019549629637865951)  2026-02-05T23:12Z [---] followers, [--] engagements


"Good find. The S&P report adds useful colour on how European banks are actually thinking about stablecoins under MiCAR. Its less about hype or disruption and more about liquidity management. S&Ps focus is on how stablecoins can move funds out of bank deposits which creates funding pressure if theyre not structured carefully. Thats why the consortium model matters. Reserves largely stay within the banking system and sit inside existing regulatory and liquidity rules. The expected growth is driven more by tokenised investments and institutional settlement than everyday payments. This reads as"  
[X Link](https://x.com/Hurdy589/status/2020084229699195039)  2026-02-07T10:36Z [---] followers, [---] engagements


"Outperformance on a given day isnt decoupling. A real BTC/XRP decoupling would show up when macro conditions hit both at the same time and they behave differently. For example rates rise or risk comes off BTC trades lower with the risk complex while XRP activity stays tied to settlement flows corridor usage or regulatory demand across weeks and months. That kind of divergence has to persist across different market regimes. One-day relative performance is just rotation not structural separation. https://twitter.com/i/web/status/2020129579919183872"  
[X Link](https://x.com/Hurdy589/status/2020129579919183872)  2026-02-07T13:36Z [---] followers, [--] engagements


"The charts do show how price has interacted with the 200-week MA in past cycles so its a useful reference. That said when price reached or broke it before it was usually during periods of real stress forced selling or liquidity being pulled out of the system. This time holding above it likely says more about different positioning and liquidity conditions than about a new rule forming. Its a helpful level to watch but what really decides whether price revisits it is broader market stress not just trader behaviour. https://twitter.com/i/web/status/2020142825950662689"  
[X Link](https://x.com/Hurdy589/status/2020142825950662689)  2026-02-07T14:29Z [---] followers, [--] engagements


"Theres something real here around settlement friction becoming visible only under stress. Liquidity crises tend to surface plumbing problems fast. That said markets dont reprice around speed alone. They reprice around trust legal finality and balance-sheet capacity with settlement efficiency as an enabler rather than a replacement. Curious where you see velocity complementing those constraints rather than supplanting them https://twitter.com/i/web/status/2020160697309544744 https://twitter.com/i/web/status/2020160697309544744"  
[X Link](https://x.com/Hurdy589/status/2020160697309544744)  2026-02-07T15:40Z [---] followers, [--] engagements


"Using a stablecoin can make execution smoother but thats not the same thing as creating new demand. Large buys still have to work through available liquidity and most institutional flows are designed to reduce price impact not push it higher. How do you see RLUSD changing the depth of XRP liquidity over time rather than just the way trades are executed https://twitter.com/i/web/status/2020182688934646071 https://twitter.com/i/web/status/2020182688934646071"  
[X Link](https://x.com/Hurdy589/status/2020182688934646071)  2026-02-07T17:07Z [---] followers, [---] engagements


"This is a strong and accurate breakdown. Thanks for putting real structure around whats actually slowing the CLARITY Act down. The deposit issue is clearly the fault line. Once stablecoins stop being framed as crypto toys and are recognised as dollar substitutes the incentives become obvious. Banks arent worried about volatility or consumer harm theyre worried about balance sheets funding and control. Whats useful here is highlighting that this isnt anti-innovation versus pro-innovation. Its incumbents versus new rails competing for the same monetary role. That tension was always going to"  
[X Link](https://x.com/Hurdy589/status/2020205618582192460)  2026-02-07T18:38Z [---] followers, [---] engagements


"@InvestWithD The presence of banks suggests the debate has moved from headlines to balance-sheet mechanics which is usually where real compromises get made"  
[X Link](https://x.com/Hurdy589/status/2020206602448495062)  2026-02-07T18:42Z [---] followers, [---] engagements


"Borrowing against XRP is effectively a margin-style setup even if it isnt labelled that way. Youre posting collateral against an LTV and if price drops fast collateral ratios can break and trigger forced liquidation. The system doesnt wait for intent or conviction. Add in counterparty risk changing terms and loss of control over execution and borrowing can amplify downside in volatile moves. In practice it behaves much closer to margin than most people expect. https://twitter.com/i/web/status/2020210843963502994 https://twitter.com/i/web/status/2020210843963502994"  
[X Link](https://x.com/Hurdy589/status/2020210843963502994)  2026-02-07T18:59Z [---] followers, [---] engagements


"The framing makes sense. Quantum risk isnt about a sudden blackout its about identity assumptions quietly breaking. Moving away from on-chain keys toward proof-based identity and off-ledger credentials feels like a more durable direction especially if post-quantum primitives are layered in early. The open question for me is adoption timing: do institutions treat this as a near-term requirement or does it only matter once quantum capability is clearly commercial https://twitter.com/i/web/status/2020771009251492057 https://twitter.com/i/web/status/2020771009251492057"  
[X Link](https://x.com/Hurdy589/status/2020771009251492057)  2026-02-09T08:05Z [---] followers, [--] engagements


"Autobridging is really about liquidity efficiency. By routing trades through XRP pairs the DEX can combine direct and synthetic order books which usually means tighter spreads and better execution without users needing to think about the path. Thats less about privilege and more about XRP acting as the common liquidity layer. Do you think this becomes more important as more stablecoins and tokenised assets start settling directly on XRPL https://twitter.com/i/web/status/2020944607803027951 https://twitter.com/i/web/status/2020944607803027951"  
[X Link](https://x.com/Hurdy589/status/2020944607803027951)  2026-02-09T19:35Z [---] followers, [---] engagements


"@bgarlinghouse Appreciate that Brad. Seeing XRP explicitly reaffirmed at the centre of settlement and bridging clears up a lot of long-running doubt. At what point does a bridge asset stop tracking the traffic around it and start being defined by the flow moving through it"  
[X Link](https://x.com/Hurdy589/status/2020964005645517122)  2026-02-09T20:52Z [---] followers, [----] engagements


"This is a solid framing. Money evolves to solve coordination and liquidity problems not to win purity contests. Fiat optimises for elasticity and credit creation. BTC optimises for scarcity and censorship resistance. XRP optimises for movement. The key point most miss is that XRP isnt trying to replace monetary policy or fractional reserves. It reduces the cost of plumbing underneath them. Less trapped liquidity fewer prefunded accounts faster settlement. Hard money flexible money and fast money can coexist. They solve different failures in the system. The interesting question isnt which one"  
[X Link](https://x.com/Hurdy589/status/2020971039933804850)  2026-02-09T21:20Z [---] followers, [---] engagements


"This is the quiet but important part of the shift. Skinny payment accounts dont blow up the banking system they just let regulated non-banks settle directly instead of routing everything through correspondent layers. Thats efficiency not deregulation. No surprise Circle supports it. The bigger tell is what this unlocks for firms already built around compliance and real-time settlement especially those designed to plug into Fed rails without becoming banks. If this moves forward does access to Fedwire / FedNow become an infrastructure advantage rather than a banking privilege"  
[X Link](https://x.com/Hurdy589/status/2021121043314659713)  2026-02-10T07:16Z [---] followers, [--] engagements


"This is how it actually scales in the real world. Linking RLUSD with a regulated AED stablecoin inside a licensed custody framework is exactly what practical cross-border liquidity is supposed to look like. Not just payments but issuance custody and direct FX liquidity on the same rails. The MENA corridor feels like a proving ground here. When local currency stablecoins start settling natively on XRPL alongside dollar liquidity the network stops being crypto and starts behaving like financial infrastructure. @reece_merrick quick one. do you see RLUSD AEDZ liquidity becoming a real alternative"  
[X Link](https://x.com/Hurdy589/status/2021162493339472126)  2026-02-10T10:01Z [---] followers, [---] engagements


"@reece_merrick @securosys This is the unglamorous stuff that actually gets banks over the line. Security compliance custody staking monitoring all stitched together instead of bolted on. Thats how institutional adoption happens quietly and at scale"  
[X Link](https://x.com/Hurdy589/status/2021163049348968925)  2026-02-10T10:03Z [---] followers, [---] engagements


"This is the kind of UX shift XRPL needs for real adoption. Removing seed phrases eliminates the biggest user failure point while passkeys keep security strong. Thats a far more realistic model for mainstream and institutional facing wallets than expecting perfect key management. @NilesRiver3 you see passkey based wallets becoming the default UX for XRPL as it moves beyond early adopters https://twitter.com/i/web/status/2021174130175877264 https://twitter.com/i/web/status/2021174130175877264"  
[X Link](https://x.com/Hurdy589/status/2021174130175877264)  2026-02-10T10:47Z [---] followers, [--] engagements


"One of cryptos biggest problems has always been wallets. Seed phrases get lost. Keys get stolen. One mistake and funds are gone. @Ripple Wallet-as-a-Service (Palisade) fixes this at the infrastructure level with bank-grade security and controls. @AnodosFinance takes that same model and makes it usable for normal people: no seed phrases passkeys instead still self-custody. This is what XRPL wallets look like when security and usability finally meet. https://twitter.com/i/web/status/2021175485472833654 https://twitter.com/i/web/status/2021175485472833654"  
[X Link](https://x.com/anyuser/status/2021175485472833654)  2026-02-10T10:52Z [---] followers, [--] engagements


"This is a thoughtful and pragmatic submission. The focus on issuer economics holding limits and global competitiveness feels critical if the UK wants a functioning sterling stablecoin market rather than a symbolic one. Timelines matter too. Other jurisdictions are already moving from consultation to deployment and prolonged deliberation risks the UK being left behind. One open question though: how do we avoid retail users being the unintended losers here where restrictions meant to protect stability end up limiting access choice or value compared with what users can already get offshore"  
[X Link](https://x.com/Hurdy589/status/2021314447466217970)  2026-02-10T20:04Z [---] followers, [--] engagements


"Appreciate you sharing the video as always helpful context. If the BoE is genuinely moving toward synchronized on-chain settlement with participants like Chainlink Quant SWIFT and Ripple in the mix thats serious infrastructure work. RTGS plus tokenization plus liquidity optimisation is not retail hype its plumbing. That said participants and production scale adoption are very different things. Are we looking at pilots and sandbox experiments or is meaningful volume already moving across these rails And more importantly. Is there an actual ETA for flipping the switch into full live production"  
[X Link](https://x.com/Hurdy589/status/2021484876243874089)  2026-02-11T07:22Z [---] followers, [---] engagements


"Open interest dropping across major exchanges clearly shows deleveraging not aggressive new positioning. That kind of reset usually reduces liquidation risk and cools excess speculation. It can be constructive if spot demand steps in afterwards. The key now is whether real buying returns or leverage simply builds back up without underlying strength. https://twitter.com/i/web/status/2021500536239878154 https://twitter.com/i/web/status/2021500536239878154"  
[X Link](https://x.com/Hurdy589/status/2021500536239878154)  2026-02-11T08:24Z [---] followers, [---] engagements


"As someone paid in the UK Id struggle to say yes right now. All my liabilities are in GBP mortgage tax utilities fuel food. If Im paid in stablecoins I either convert back to sterling and eat the fees take FX risk or hold a dollar-denominated asset that doesnt match my cost base. And without a credible widely accepted GBP stablecoin its even harder to justify. If payroll lands in USD stablecoins thats effectively importing currency risk into my monthly income. Most people dont want to speculate on FX just to get paid. Optional allocation Interesting. Full salary replacement Not unless theres"  
[X Link](https://x.com/Hurdy589/status/2021501593116430624)  2026-02-11T08:28Z [---] followers, [--] engagements


"Interesting shift in tone. For years UK banks treated crypto as something to contain. Now its being described as core to the future of banking. Firms like @Ripple have been in infrastructure discussions with @BIS_org @IMFNews @bankofengland and other central banks for years behind closed doors. When this starts being said openly on mainstream media it usually suggests the groundwork is already well advanced. Are UK banks now ready to say this publicly and how long before we see the shift from language to live deployment https://twitter.com/i/web/status/2021506559688233394"  
[X Link](https://x.com/Hurdy589/status/2021506559688233394)  2026-02-11T08:48Z [---] followers, [--] engagements


"Published: a technical breakdown of the Bank of Englands RT2 synchronisation design. Examining conditional settlement earmark logic and control boundaries in central bank money. https://t.co/yFoBdPNiXO https://t.co/yFoBdPNiXO"  
[X Link](https://x.com/anyuser/status/2021577775719514161)  2026-02-11T13:31Z [---] followers, [--] engagements


"I understand the liquidity argument and wed all welcome a $589 price after investing for nearly a decade. But a high unit price isnt required for deep liquidity. What matters more is market depth turnover and infrastructure. Cross-border flows pass through XRP they dont sit in it. Higher velocity and strong market makers can support large volumes without needing a specific headline price. Utility can support value over time. Its just more accurate to anchor the case in settlement volume and liquidity depth rather than a required price target."  
[X Link](https://x.com/Hurdy589/status/2021585188057215336)  2026-02-11T14:00Z [---] followers, [---] engagements


"Treasury bond sales like this happen regularly. The amounts sound big but theyre part of the normal quarterly schedule. Yes when bonds are sold cash moves out of the system for a short time. But that doesnt automatically mean a crash. What really matters is demand. If buyers show up and yields stay steady markets will likely shrug it off. If demand is weak and yields jump then risk assets could feel pressure. Its something to watch not a guaranteed big storm. https://twitter.com/i/web/status/2021671496741974405 https://twitter.com/i/web/status/2021671496741974405"  
[X Link](https://x.com/Hurdy589/status/2021671496741974405)  2026-02-11T19:43Z [---] followers, [----] engagements


"Big step forward. The hybrid design is the key. If permissioned order books live on the same ledger as open markets and arbitrage keeps pricing aligned it avoids the liquidity silos that hurt earlier institutional DeFi models. Architecturally it makes sense. The real question is timing: when do we start seeing meaningful regulated liquidity providers and real payment flows using these permissioned books at scale https://twitter.com/i/web/status/2021697160098537787 https://twitter.com/i/web/status/2021697160098537787"  
[X Link](https://x.com/Hurdy589/status/2021697160098537787)  2026-02-11T21:25Z [---] followers, [---] engagements


"The dollar collapse angle feels overstated. GENIUS and CLARITY are about defining guardrails for stablecoins not replacing the dollar. If anything regulated USD-backed stablecoins tend to increase demand for Treasuries not weaken them. The deposit bleed argument also assumes people abandon banks en masse just because stablecoins dont pay interest. In reality yield trust convenience and regulation all matter. Money doesnt move in a single wave because of one rule. Credit unions issuing compliant fully backed USD stablecoins is interesting though. Thats more evolution than revolution. It keeps"  
[X Link](https://x.com/Hurdy589/status/2021867945459073514)  2026-02-12T08:44Z [---] followers, [--] engagements


"All liquidity settling on XRP is an exaggeration. XRP can serve as a bridge asset in certain cross-border flows but thats different from replacing domestic dollar infrastructure. For Americans the real issue isnt just settlement speed its how digital rails integrate with the existing USD banking system. Different tools solve different layers of the problem. https://twitter.com/i/web/status/2021868524902158771 https://twitter.com/i/web/status/2021868524902158771"  
[X Link](https://x.com/Hurdy589/status/2021868524902158771)  2026-02-12T08:46Z [---] followers, [--] engagements


"SAFU = Secured Assuming Fair Upside. Calling it SAFU is easy. Structuring it for stress cycles is the hard part. Youre not crazy its a fair concern. If the SAFU fund is held in BTC its dollar value drops when BTC drops. In a bear market thats not exactly ideal timing for your insurance shrinking. If liabilities are stablecoin or fiat-based but the backstop is volatile BTC thats a mismatch. https://twitter.com/i/web/status/2021947534382354491 https://twitter.com/i/web/status/2021947534382354491"  
[X Link](https://x.com/Hurdy589/status/2021947534382354491)  2026-02-12T14:00Z [---] followers, [---] engagements


"@ChadSteingraber So this is the flow now: USD RLUSD XRPL Bitso local fiat. If this scales thats real corridor liquidity without pre-funding not just a slide deck. Question is: are we looking at pilot volume or is this moving meaningful size already"  
[X Link](https://x.com/Hurdy589/status/2022067729990320552)  2026-02-12T21:58Z [---] followers, [--] engagements


"Deep breath. That screenshot references an academic discussion about smart contracts and escrow-like mechanisms and cites XRP Ledger [----] as an example of how virtual escrow can work in trade finance. That is not the same as: BRICS officially adopting XRP BRICS launching an XRP-based settlement rail A coordinated move to go around the U.S. dollar using XRP Its describing a technical feature. XRPL has native escrow. Thats been public for years. Academic mention geopolitical implementation. If BRICS were formally integrating XRPL into a cross-border settlement framework there would be central"  
[X Link](https://x.com/anyuser/status/2022069407145435344)  2026-02-12T22:04Z [---] followers, [--] engagements


"SWIFT in the Bank of Englands Synchronisation Lab isnt some random experiment. This stuff has been in the works for years. The testing the pilots the coordination between central banks and infrastructure providers thats long-term planning not a weekend idea. By the time its being posted publicly most of the plumbing is already built. Retail sees the announcement. Institutions see phase two. The real shift usually happens quietly. The headlines just come right before the switch gets flipped. https://twitter.com/i/web/status/2022070130788724922"  
[X Link](https://x.com/Hurdy589/status/2022070130788724922)  2026-02-12T22:07Z [---] followers, [---] engagements


"Great post 🙏 API banking isnt the future its just the plumbing now. Banks have the balance sheet and licence. Fintechs own UX and distribution. Rails move the money. Orchestrators route it. No one owns the full stack anymore. @CyprxResearch who actually controls the orchestration layer Banks Big Tech Card networks Fintech super apps Or AI that just routes everything to the best path Because whoever controls the flow controls the system. https://twitter.com/i/web/status/2022073583691022405 https://twitter.com/i/web/status/2022073583691022405"  
[X Link](https://x.com/Hurdy589/status/2022073583691022405)  2026-02-12T22:21Z [---] followers, [--] engagements


"Token Escrow is now live for all tokens on XRPL not just #XRP. You can lock up stablecoins or RWAs on-chain and release them only when conditions are met. No middlemen. The ledger enforces the deal. Why it matters: Safer settlements Better treasury control Real institutional use cases More assets settling on XRPL = more network usage. More usage = stronger long-term demand. Infrastructure first. Price follows. https://twitter.com/i/web/status/2022077697342468538 https://twitter.com/i/web/status/2022077697342468538"  
[X Link](https://x.com/Hurdy589/status/2022077697342468538)  2026-02-12T22:37Z [---] followers, [----] engagements


"Fair play to everyone involved 🙏a huge amount of work is clearly going into building a robust framework. BUT heres the honest concern 😳 While were still debating disclosures relisting mechanics and technical wording other regions are already deploying. Theyre launching products attracting liquidity onboarding institutions and moving capital on-chain. The risk isnt just regulatory complexity. Its that UK institutions end up watching from the sidelines. If we remain stuck in consultation cycles and extended back-and-forth capital will flow to where the rules are clear usable and commercially"  
[X Link](https://x.com/Hurdy589/status/2022082757174997363)  2026-02-12T22:57Z [---] followers, [--] engagements


"Youre not wrong. This hasnt appeared out of nowhere. HSBC Orion tokenised bonds Canton connectivity interoperability testing this has been in motion for years through BIS workstreams ECB trials DLT pilots and private market experiments. Whats changing now isnt the tech. Its the visibility. Institutions dont build sovereign issuance rails in a weekend. The design governance legal wrappers and settlement mechanics are long-cycle projects. By the time retail sees the announcement most of the architectural decisions are already made. So no its not a random sandbox idea. Its more like phase"  
[X Link](https://x.com/anyuser/status/2022089323533767076)  2026-02-12T23:23Z [---] followers, [--] engagements


"This is the part people miss. Great Britain Tokenised Deposit isnt a meme coin idea. Its commercial bank money tokenised interoperable API-exposed and wired into existing rails. Natwest HSBC. Santander. Barclays. Nationwide. Thats not experimentation theatre. Thats coordination. Tokenised deposits mean: Regulated bank liabilities on-chain Programmable settlement Cross-bank interoperability Integration with CREST RTGS card rails This is banks keeping the balance sheet while modernising the plumbing. The real shift isnt crypto replacing banks. Its banks tokenising themselves. @IOV_OWL"  
[X Link](https://x.com/anyuser/status/2022090612107886924)  2026-02-12T23:29Z [---] followers, [---] engagements


"This is where the debate gets oversimplified. Banks dont need #XRP to use RippleNet. True. They also dont need #HBAR to build on Hedera. But XRP isnt just hype. Its designed as a bridge asset moving liquidity between currencies without pre-funding. Thats a specific settlement function not just another smart contract platform. And heres the bigger point: These networks coexist. Look at recent HSBC developments. Orion tokenised assets multiple DLT integrations. Large institutions arent picking one chain and burning the rest. Theyre connecting to several depending on the use case. Different"  
[X Link](https://x.com/Hurdy589/status/2022204324454027657)  2026-02-13T07:00Z [---] followers, [--] engagements


"That [----] moment was about tokenised BTC on XRPL not native Bitcoin switching chains. It showed that a representation of BTC could settle instantly on a different ledger. Native BTC settles on Bitcoin Tokenised BTC can settle faster elsewhere The bigger idea isnt that Bitcoin moves to XRPL. Its that assets can be represented on multiple rails depending on where liquidity and settlement are most efficient. https://twitter.com/i/web/status/2022207878027686362 https://twitter.com/i/web/status/2022207878027686362"  
[X Link](https://x.com/Hurdy589/status/2022207878027686362)  2026-02-13T07:15Z [---] followers, [---] engagements


"Worlds largest exchange integrating RLUSD on XRPL is not nothing. Stablecoin liquidity is the oxygen of on-chain markets. More fiat-backed liquidity more trading pairs more settlement flow. Deposits open. Withdrawals next once liquidity builds. This is how infrastructure grows. Quietly then all at once. https://twitter.com/i/web/status/2022208392924717367 https://twitter.com/i/web/status/2022208392924717367"  
[X Link](https://x.com/Hurdy589/status/2022208392924717367)  2026-02-13T07:17Z [---] followers, [--] engagements


"@Rephughblackwel @ShannonCam82757 @VictoriaCapps8 Speculation is one thing filings are another. @Rephughblackwel has @BlackRock actually submitted anything formal for a spot #XRP ETF or is this based on pressure behind closed doors Would be good to see the paper trail before we price in a Monday miracle"  
[X Link](https://x.com/Hurdy589/status/2022208986066669827)  2026-02-13T07:19Z [---] followers, [----] engagements


"$3.2 trillion erased in [--] minutes because of one geopolitical rumour Thats a stretch. Gold and silver move on positioning liquidity rates and derivatives flows. A sharp sell-off doesnt automatically mean de-dollarization is over or that Russia is sprinting back to the USD. Big macro shifts dont reverse on a headline. They play out over years not one red candle. Extraordinary claims need extraordinary evidence. @NoLimitGains Wheres the confirmed policy change not just speculation https://twitter.com/i/web/status/2022209965595718099 https://twitter.com/i/web/status/2022209965595718099"  
[X Link](https://x.com/Hurdy589/status/2022209965595718099)  2026-02-13T07:23Z [---] followers, [---] engagements


"So what does this actually mean beyond the headline flex First its an advisory committee. Not a rule-making body. They dont pass laws. They dont approve ETFs. They dont rewrite the market overnight. They advise the CFTC on how crypto AI tokenization and market structure are evolving. Now the part that matters: When you see names like Brad Garlinghouse (Ripple) Brian Armstrong (Coinbase) Sergey Nazarov (Chainlink) CEOs of CME Nasdaq ICE DTCC-level institutions That tells you one thing: crypto is now being treated as core market infrastructure not a fringe experiment. For regular people this"  
[X Link](https://x.com/Hurdy589/status/2022215751533199451)  2026-02-13T07:46Z [---] followers, [--] engagements


"@brian_armstrong @brian_armstrong staying at the table matters. But how do you balance advocating for crypto users broadly while also protecting @coinbase business model Market structure shouldnt just entrench the biggest platforms. It needs to expand the pie for the entire ecosystem"  
[X Link](https://x.com/Hurdy589/status/2022217651700003227)  2026-02-13T07:53Z [---] followers, [---] engagements


"Breaking is doing a lot of cardio here. Coinbase has submitted a response to the Federal Reserve on Docket OP-1877 regarding a proposed Reserve Bank Payment Account framework. This is not approval. Its a policy consultation. The proposal explores whether certain non-bank institutions could access Fed payment infrastructure through a special purpose account. Today direct access is limited to regulated banks. If the framework evolves it could open the door for qualified fintech or digital asset firms to hold accounts connected to Fed settlement rails. Big difference between: Filing a comment"  
[X Link](https://x.com/Hurdy589/status/2022775416772071536)  2026-02-14T20:50Z [---] followers, [---] engagements


"Every cycle someone predicts $MSTR blows up. Yet the balance sheet says otherwise. $49B in BTC vs $8B debt. $2B+ cash. No major maturities until [----]. They already survived a 16-month drawdown with BTC 50% below cost. Volatility isnt bankruptcy. Leverage without runway is. Right now the forced liquidation thesis is narrative not math. https://twitter.com/i/web/status/2022970682863149492 https://twitter.com/i/web/status/2022970682863149492"  
[X Link](https://x.com/Hurdy589/status/2022970682863149492)  2026-02-15T09:46Z [---] followers, [--] engagements


"@MinusWells @XMoney @grok @X Nice to meet like minded individuals"  
[X Link](https://x.com/Hurdy589/status/2023062366980858164)  2026-02-15T15:50Z [---] followers, [--] engagements


"Batch isnt about inflating TPS numbers. Its about operational efficiency. For institutions bundling flows reduces signature overhead ledger load and reconciliation complexity. That matters more than headline throughput. XRPLs edge has always been deterministic settlement and predictable fees. Add batching to deep liquidity and you get something closer to institutional-grade rails. Retail optimises for speed. Treasury desks optimise for finality and size. Different battlefield. https://twitter.com/i/web/status/2022975498091942249 https://twitter.com/i/web/status/2022975498091942249"  
[X Link](https://x.com/Hurdy589/status/2022975498091942249)  2026-02-15T10:05Z [---] followers, [--] engagements


"@Crypt0Senseii Adoption is real @Crypt0Senseii Did a quick comparison of XRP Rich List (Dec [----] Feb 2026). Total wallets increased from [-------] to [-------] (+1.82M 30.5% growth). 10k50k wallets expanded steadily"  
[X Link](https://x.com/Hurdy589/status/2022258900829970715)  2026-02-13T10:37Z [---] followers, [--] engagements


"XRP Rich List: Structural Shift (Dec [----] Feb 2026) Total wallets increased from 5.97M to 7.79M (+1.82M 30.5%). Thats clear participation growth. But the rich list structure matters more than the headline figure. Across the full tier breakdown: Sub-500 XRP wallets expanded sharply 50010k balances grew materially 10k50k continued to thicken 50k1M remained broadly stable 1M+ wallets declined modestly What this suggests: Retail breadth expanded. Lower-mid and mid-tier distribution broadened. Upper tiers reflect consolidation not expansion. Supply remains structurally concentrated. Wallet growth"  
[X Link](https://x.com/anyuser/status/2022267959771533685)  2026-02-13T11:13Z [---] followers, [--] engagements


"Calling it a financial nuke makes for good engagement. But even if X Money becomes a serious payments hub it still needs rails. No platform becomes the source of all transactions without Deep global liquidity Neutral bridge assets Settlement infrastructure that works 24/7 across jurisdictions That is the unsexy part people skip. Front-end apps change. Interfaces evolve. Branding gets louder. Underneath money still needs interoperable rails and scalable liquidity pools to move at size. That is where networks like XRPL and assets like #XRP actually matter. Operating system is one thing."  
[X Link](https://x.com/Hurdy589/status/2022974056572608835)  2026-02-15T09:59Z [---] followers, [---] engagements


"XRPL today comfortably handles [----] TPS on-chain with [--] second finality. Thats base layer throughput not theoretical marketing numbers. On the X Money point: Yes theyre partnered with Visa for real-time push payments. X Payments holds money transmitter licences. A fully disclosed retail deposit bank partner hasnt been clearly named in the way people assume. So to answer the original question properly: No single public blockchain is replacing the entire global financial system tomorrow. But they dont need to. If X becomes a financial super app the model likely looks hybrid: Bank partner for"  
[X Link](https://x.com/Hurdy589/status/2023007229864034517)  2026-02-15T12:11Z [---] followers, [--] engagements


"@MinusWells @XMoney @grok @X Just came across your feed. Loving the content. 👏"  
[X Link](https://x.com/Hurdy589/status/2023055388686651582)  2026-02-15T15:22Z [---] followers, [---] engagements


"I think were actually saying similar things from different angles. Youre looking at headline TPS vs global payment volume. Fair point. Im looking at how payments are structured. Global payments arent one single pipe. Theyre layered. front-end UX bank accounts messaging liquidity settlement. No single chain has to process every retail swipe on earth. Even with 600m users you batch net and settle. The ledger handles the liquidity and finality layer not every tap at the coffee shop. Different layers. Different jobs. https://twitter.com/i/web/status/2023068169036763147"  
[X Link](https://x.com/Hurdy589/status/2023068169036763147)  2026-02-15T16:13Z [---] followers, [--] engagements


"Elons No way aged better than most takes from [----]. The Hinman emails eventually came out. The court rulings followed. And the narrative that this was about protecting investors got a lot more complicated. You dont have to be XRP-maxi to see the bigger issue: Regulation by enforcement creates uncertainty. Uncertainty kills innovation. And selective clarity distorts markets. Funny how a two-word reply captured what a lot of people were thinking at the time. History tends to be kinder to receipts than to press releases. https://twitter.com/i/web/status/2023010441874579835"  
[X Link](https://x.com/Hurdy589/status/2023010441874579835)  2026-02-15T12:24Z [---] followers, [----] engagements


"@InvestWithD Were seeing early relative strength. #XRP holding green while #BTC dips is how decoupling starts. But real decoupling isnt a 24-hour candle. Its sustained outperformance on the XRP/BTC pair with volume behind it. Early signal Maybe. 🤔 Confirmed shift Not yet. 🤞"  
[X Link](https://x.com/Hurdy589/status/2023085399480934563)  2026-02-15T17:22Z [---] followers, [---] engagements


"I focus on how digital financial rails actually work. Settlement liquidity regulation and market structure. Data over narrative. Mechanism over hype"  
[X Link](https://x.com/anyuser/status/2017206652907163742)  2026-01-30T12:01Z [---] followers, [---] engagements


"If were heading toward a world where global bodies and governments start deciding what level of wealth is enough thats not just tax policy. Thats a structural shift in who holds power over private economic life. Unrealised gains taxes coordinated global reporting standards capital visibility frameworks on their own theyre policy tools. Combined they start to look like something else entirely. The concern isnt contribution. Its control. When institutions that arent directly accountable to voters begin shaping limits around ownership and capital formation people are right to ask questions."  
[X Link](https://x.com/anyuser/status/2022668253013606511)  2026-02-14T13:44Z [---] followers, [--] engagements


"On the World Bank Group and IMF stage theyre stating to implement ✨ A Global Asset Registry to see who holds crypto ✨ Control how much can be held ✨ And Tax the crypto holder out of their wealth as they determine what is acceptable for an investor to hold. They want a global asset registry https://t.co/aUBz3H0j35 They want a global asset registry https://t.co/aUBz3H0j35"  
[X Link](https://x.com/anyuser/status/2022628648487186611)  2026-02-14T11:07Z 67.6K followers, [----] engagements


"XRP Rich List: Structural Shift (Dec [----] Feb 2026) Total wallets increased from 5.97M to 7.79M (+1.82M 30.5%). Thats clear participation growth. But the rich list structure matters more than the headline figure. Across the full tier breakdown: Sub-500 XRP wallets expanded sharply 50010k balances grew materially 10k50k continued to thicken 50k1M remained broadly stable 1M+ wallets declined modestly What this suggests: Retail breadth expanded. Lower-mid and mid-tier distribution broadened. Upper tiers reflect consolidation not expansion. Supply remains structurally concentrated. Wallet growth"  
[X Link](https://x.com/anyuser/status/2022267959771533685)  2026-02-13T11:13Z [---] followers, [--] engagements


"This is the part people miss. Great Britain Tokenised Deposit isnt a meme coin idea. Its commercial bank money tokenised interoperable API-exposed and wired into existing rails. Natwest HSBC. Santander. Barclays. Nationwide. Thats not experimentation theatre. Thats coordination. Tokenised deposits mean: Regulated bank liabilities on-chain Programmable settlement Cross-bank interoperability Integration with CREST RTGS card rails This is banks keeping the balance sheet while modernising the plumbing. The real shift isnt crypto replacing banks. Its banks tokenising themselves. @IOV_OWL"  
[X Link](https://x.com/anyuser/status/2022090612107886924)  2026-02-12T23:29Z [---] followers, [---] engagements


"Youre not wrong. This hasnt appeared out of nowhere. HSBC Orion tokenised bonds Canton connectivity interoperability testing this has been in motion for years through BIS workstreams ECB trials DLT pilots and private market experiments. Whats changing now isnt the tech. Its the visibility. Institutions dont build sovereign issuance rails in a weekend. The design governance legal wrappers and settlement mechanics are long-cycle projects. By the time retail sees the announcement most of the architectural decisions are already made. So no its not a random sandbox idea. Its more like phase"  
[X Link](https://x.com/anyuser/status/2022089323533767076)  2026-02-12T23:23Z [---] followers, [--] engagements


"DOCUMENT FOUND 🌋🧐 European Central Bank blueprint. $700T+ in assets now confirmed moving onto these networks: $130T bond market $500T+ OTC derivatives $1Q+ in annual settlement flows Live Institutional Integrations: UK govt selects HSBC Orion for digital gilts. Runs on Canton $CC integrates Quant $QNT #Ripple Metaco ties via tokenized gold. Private $XRP Ledger powers Axiology in ECB bond market trials acts as the "Ministry of Finance" R3 Corda moving private permissioned capital markets infrastructure onto Solana $SOL Hedera joins industry consortium. Streaming yield payments coming to"  
[X Link](https://x.com/anyuser/status/2022058098874028189)  2026-02-12T21:19Z 175.9K followers, 24.9K engagements


"This wouldve been a huge win for UK consumers. Earning #XRP on everyday spend with a Mastercard is exactly the kind of simple on-ramp that drives adoption. Instead because of slow regulatory progress and outdated policy @TheFCA thinking @Gemini stepped away from the UK. Strange position for a country that used to call itself the bedrock of global finance @bankofengland this is why its so important to keep fighting for legislation @CryptoUKAssoc Stacking $XRP is easy with the @Gemini Mastercard 💎 The Gemini Credit Card "XRP Edition" ⛽ 4% back on Gas & Transit 🍴 3% back on Dining 🛒 2% back"  
[X Link](https://x.com/anyuser/status/2022075354827956569)  2026-02-12T22:28Z [---] followers, [---] engagements


"Stacking $XRP is easy with the @Gemini Mastercard 💎 The Gemini Credit Card "XRP Edition" ⛽ 4% back on Gas & Transit 🍴 3% back on Dining 🛒 2% back on Groceries 🚀 Rewards deposited INSTANTLY. 🎁 PLUS: Get $50 in XRP when you sign up with my referral link and make your first purchase. 👉 Zero annual fee. Pure utility. 📈 https://creditcard.exchange.gemini.com/credit-card/applyreferral_code=lwlkrfex4 https://creditcard.exchange.gemini.com/credit-card/applyreferral_code=lwlkrfex4"  
[X Link](https://x.com/anyuser/status/2021989185746247742)  2026-02-12T16:46Z 270.1K followers, 16.7K engagements


"🚀Proud to share that we've been selected to participate in the @bankofengland 's Synchronisation Lab. This marks an important next step in our work to enable interoperability for digital assets building on years of successful experiments across both digital and fiat cash legs. As part of our participation we'll test both payment-versus-payment (PvP) cross-border FX settlement and delivery-versus-payment (DvP) tokenised securities settlement. As the Lab explores nextgeneration synchronisation models for the renewed RTGS service we look forward to collaborating with the Bank of England and"  
[X Link](https://x.com/anyuser/status/2021963374901244310)  2026-02-12T15:03Z 112K followers, 158.6K engagements


"Deep breath. That screenshot references an academic discussion about smart contracts and escrow-like mechanisms and cites XRP Ledger [----] as an example of how virtual escrow can work in trade finance. That is not the same as: BRICS officially adopting XRP BRICS launching an XRP-based settlement rail A coordinated move to go around the U.S. dollar using XRP Its describing a technical feature. XRPL has native escrow. Thats been public for years. Academic mention geopolitical implementation. If BRICS were formally integrating XRPL into a cross-border settlement framework there would be central"  
[X Link](https://x.com/anyuser/status/2022069407145435344)  2026-02-12T22:04Z [---] followers, [--] engagements


"XRP VIRTUAL ESCROW CONFIRMED BY BRICS TO GO AROUND U.S. DOLLAR. OK GET ON WITH IT. OH AND YEA LIKE I SAID. TANGEM 2ND GEN CARD LINK 10% OFF WITH CODE " XRPVALE " https://tangem.com/en/pricing/cat=family https://tangem.com/en/pricing/cat=family"  
[X Link](https://x.com/anyuser/status/2022001669408747880)  2026-02-12T17:35Z 29.3K followers, 10.4K engagements


"Theres clearly a structural shift underway and as more value moves on-chain the custody question becomes central. If parallel rails grow but self-custody disappears weve just rebuilt the same system with new branding. The ability to hold your own assets is fundamental. Banning self-custody would be like banning people from keeping a safe at home and forcing everything through a licensed vault. Regulated on-ramps Fine. Institutional custody Necessary. But individuals should still have the right to hold and control their own digital property. As flows migrate the bigger question isnt just where"  
[X Link](https://x.com/anyuser/status/2021720347033084272)  2026-02-11T22:57Z [---] followers, [--] engagements


"BLOCKFILLS HALTS WITHDRAWALS AMID CRYPTO TURMOIL Susquehanna-backed crypto lender BlockFills has suspended client deposits and withdrawals citing recent market volatility. The Chicago-based firm which serves [----] institutional clients and handled $60 bn in [----] trading remains open for select trading but is limiting liquidity. The move echoes past crypto downturns including the [----] collapse of FTX and other lenders. Bitcoins recent drop below $65000down 45% from October highshas intensified pressures while stalled U.S. crypto legislation continues to weigh on the market."  
[X Link](https://x.com/anyuser/status/2021601608820224158)  2026-02-11T15:05Z 1.2M followers, 883.2K engagements


"Theres definitely a structural shift underway. Settlement liquidity and asset issuance moving on-chain isnt theoretical anymore. Institutions are testing and in some corridors deploying real infrastructure. If parallel rails are being built alongside the legacy system the real question becomes: at what point does flow meaningfully migrate rather than just coexist"  
[X Link](https://x.com/anyuser/status/2021718534716559484)  2026-02-11T22:50Z [---] followers, [--] engagements


"The financial system is on life support. For years theyve been building a parallel banking network with XRP as the liquidity bridge and XLM as the settlement currency. As assets move on-chain owning these protocols gives you real control over liquidity and settlement. https://twitter.com/i/web/status/2021655372444950842 https://twitter.com/i/web/status/2021655372444950842"  
[X Link](https://x.com/anyuser/status/2021655372444950842)  2026-02-11T18:39Z 100.5K followers, 32.3K engagements


"Published: a technical breakdown of the Bank of Englands RT2 synchronisation design. Examining conditional settlement earmark logic and control boundaries in central bank money. https://t.co/yFoBdPNiXO https://t.co/yFoBdPNiXO"  
[X Link](https://x.com/anyuser/status/2021577775719514161)  2026-02-11T13:31Z [---] followers, [--] engagements


"BOE: How RT2 Links Money and Assets Conditional settlement in central bank money This review interprets the Bank of Englands published material on the Synchronisation Lab and Real-Time Gross Settlement (RTGS) roadmap as a settlement http://x.com/i/article/2021517550404640768 http://x.com/i/article/2021517550404640768"  
[X Link](https://x.com/anyuser/status/2021577630827389176)  2026-02-11T13:30Z [---] followers, [--] engagements


"One of cryptos biggest problems has always been wallets. Seed phrases get lost. Keys get stolen. One mistake and funds are gone. @Ripple Wallet-as-a-Service (Palisade) fixes this at the infrastructure level with bank-grade security and controls. @AnodosFinance takes that same model and makes it usable for normal people: no seed phrases passkeys instead still self-custody. This is what XRPL wallets look like when security and usability finally meet. https://twitter.com/i/web/status/2021175485472833654 https://twitter.com/i/web/status/2021175485472833654"  
[X Link](https://x.com/anyuser/status/2021175485472833654)  2026-02-10T10:52Z [---] followers, [--] engagements


"Where the Risk Actually Goes The invisible balance sheets behind frictionless rails Modern settlement systems are described as frictionless. Transactions move faster netting is tighter and visible delays continue to shrink. http://x.com/i/article/2021130494008578049 http://x.com/i/article/2021130494008578049"  
[X Link](https://x.com/anyuser/status/2021158626224710128)  2026-02-10T09:45Z [---] followers, [--] engagements


"Balance Sheets Are the Constraint Most discussion about price and settlement assets skips the only constraint that actually matters: balance sheets. This applies just as much to #XRP as to any other settlement asset. Usage does not push price unless intermediaries are forced to warehouse risk. In a functioning market increased flow is absorbed by balance sheets designed to remain neutral. Inventory is hedged positions are netted exposure is recycled. Liquidity expands faster than transactional demand. When that capacity exists price has no reason to move. Flat price is not a puzzle or a sign"  
[X Link](https://x.com/anyuser/status/2019335734079930448)  2026-02-05T09:02Z [---] followers, [---] engagements


"Liquidity Is the Product Not the Token This is not a price argument. It is a description of how settlement systems behave once price is no longer treated as validation. [--]. Re-anchoring the frame This article does not present a price model. http://x.com/i/article/2018989925304041473 http://x.com/i/article/2018989925304041473"  
[X Link](https://x.com/anyuser/status/2018991110241022101)  2026-02-04T10:12Z [---] followers, [--] engagements


"Adoption Is Not a Price Signal The most common mental model in markets is simple: if a system is used more the associated asset should become more valuable. That intuition is wrong for financial infrastructure. Financial rails are http://x.com/i/article/2018766499549204480 http://x.com/i/article/2018766499549204480"  
[X Link](https://x.com/anyuser/status/2018768566204440622)  2026-02-03T19:28Z [---] followers, [--] engagements


"I wrote this after the recent discussion around XRP utility and price. The core point is simple but uncomfortable: settlement infrastructure isnt designed to validate price narratives. Mechanism over sentiment. https://x.com/Hurdy589/status/2017527632246485483 https://t.co/LVQMCXzPVG https://x.com/Hurdy589/status/2017527632246485483 https://t.co/LVQMCXzPVG"  
[X Link](https://x.com/anyuser/status/2017527888614994237)  2026-01-31T09:18Z [---] followers, [---] engagements


"XRP Utility and the Price Myth What David Schwartz Actually Clarified Debates around XRPs price and utility tend to resurface in predictable cycles. Whenever infrastructure progress institutional adoption or settlement usage is discussed the same assumption quickly http://x.com/i/article/2017351715733815296 http://x.com/i/article/2017351715733815296"  
[X Link](https://x.com/anyuser/status/2017527632246485483)  2026-01-31T09:17Z [---] followers, [---] engagements


"@JoelKatz I wrote this trying to reflect the execution and settlement constraints you highlighted recently without drifting into price narratives. If Ive mischaracterised anything Im open to correction"  
[X Link](https://x.com/anyuser/status/2017528428430315861)  2026-01-31T09:20Z [---] followers, [--] engagements

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