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$589 Profile picture
@589CTO
Jul 13 • 9 tweets • 2 min read • Read on X
🚨 ISO 20022 goes live July 14 - but what does that mean for #XRP?

Everyone’s screaming “$XRP is ISO 20022 compliant!” - but most don’t even understand what that actually means.

Let’s break it down 🧵👇

#XRP #Ripple #ISO20022 Image
1/ What is ISO 20022? 🧐

🪙 It’s not a coin.
⛓️‍ It’s not a blockchain.

It’s a global messaging standard that allows financial institutions to communicate in a unified, data-rich format.

Think of it as upgrading the world’s payment system from fax to encrypted email. 📡
2/ Why is July 14 important? 🗓️

Because the U.S. Fedwire Funds Service, which settles trillions in payments, is finally switching to ISO 20022.

This brings the U.S. in line with Europe, SWIFT, and the rest of the modern financial system.

It’s a big deal. 💥
3/ Enter RippleNet 💧🥅

RippleNet is Ripple’s enterprise-grade network for banks and payment providers.

It’s fast.
It’s global.
It’s already ISO 20022-ready ✅

This means RippleNet can directly integrate with the upgraded banking infrastructure going live on July 14.
4/ So where does XRP fit in? ⏩

Let’s clear this up:

🚫 $XRP is not ISO 20022 compliant - because crypto tokens don’t use messaging formats.

✅ RippleNet is ISO 20022 compliant - and #XRP is used within RippleNet as a bridge asset.

That’s the difference.
5/ Why the confusion? 🤔

Because crypto Twitter loves buzzwords. 🤷‍♂️

Saying “$XRP is ISO 20022 compliant” sounds bullish - but it’s misleading.

ISO 20022 = a messaging upgrade
RippleNet = messaging system
#XRP = asset used inside that system

It’s like saying "gasoline is highway compliant" - makes no sense.
6/ So is $XRP affected by ISO 20022? 🚀

Absolutely. 💯
Here’s why:

When global payment rails switch to ISO 20022, systems like RippleNet can integrate more easily.

RippleNet adoption = more corridors
More corridors = more #XRP utility
More XRP utility = more demand 💸
7/ TL;DR 📋

🔹 ISO 20022 = financial messaging upgrade
🔹 RippleNet = ISO 20022 compliant
🔹 XRP = bridge asset used inside RippleNet
🔹 July 14 = U.S. joins the modern financial system

The rails are being laid. #XRP is ready.
8/ Final thought: 📍

You’re not early because you’re buying $XRP.
You’re early because you actually understand it.

ISO 20022 is the quiet foundation.
XRP is the rocket fuel. 🚀

Watch what happens next. 👀📈

#XRP #ISO20022 #Ripple #XRPCommunity #XRPArmy

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More from @589CTO

$589 Profile picture
Jul 12
📰 The True History of $XRP & @Ripple 📰

How a simple idea from 2004 evolved into a $10B+ company fighting the SEC & powering the "Internet of Value".

Let’s break it all down 👇🧵

#XRP #XRPL #XRPCommunity Image
1/ 🌱 It started in 2004

Before #Bitcoin, there was RipplePay - created by Ryan Fugger.

A decentralized IOU network to let people send credit to people they trusted.

No mining. No tokens. Just trust lines.

The seeds of today’s #XRPL were planted here.
2/ 🧠 Enter the builders

In 2011, Jed McCaleb, frustrated with #Bitcoin mining, had a new idea:

> “What if we could validate transactions without wasting electricity?”

He teamed up with David Schwartz & Arthur Britto.
Together, they built the #XRP Ledger from scratch.
Read 13 tweets
$589 Profile picture
Jul 9
🚨 PUBLIC vs PRIVATE LEDGER on the XRPL?!

What is @Ripple building behind the scenes… and why is it so important for the future of DeFi and $XRP?

• Why a private ledger exists
• What the Permissioned DEX really is
• Why institutions need it
• And how this could be a game-changer for crypto 👇🧵
#XRP #XRPL #DeFiImage
1/ First, let’s clear up the terms:🤓

✅ Public #XRPL = the open-source $XRP Ledger you know today
✅ Private #XRPL = Ripple's enterprise-grade sidechain or sandbox

The private version is often called the "permissioned DEX" - built for regulated institutions.

But why? 👇
2/ $XRP is NOT just another token. 🪙

It’s one of the only digital assets with legal clarity in the U.S. which makes it a candidate for institutional use.

But financial institutions operate under strict rules - AML, KYC, compliance.

They can’t just trade on an open, public DEX.

Enter: the Permissioned DEX 🔐
Read 10 tweets
$589 Profile picture
Jul 5
🚨Tokenization is the Future - and the XRPL is Built for It🚨

Most people still don't understand what’s coming...

Let’s break down:
- What is tokenization?
- What are Real World Assets (RWA)?
- Why the #XRPL is uniquely positioned to lead this revolution 🧵👇 Image
1/ What is Tokenization?

It’s the process of representing real-world assets (RWA) - like dollars, gold, real estate, stocks - as digital tokens on a blockchain.

In simple terms:
📄 Physical or legal asset
🔁 Converted into a digital token
🌐 Traded 24/7 globally
2/ What are Real World Assets (RWAs)?

RWAs include:
🏦 Cash (like US dollars or stablecoins)
🏠 Real estate
🪙 Gold & commodities
📈 Stocks & bonds
💎 Collectibles, art, even wine

These are massive multi-trillion dollar markets waiting to be digitized.
Read 10 tweets
$589 Profile picture
Jul 4
🚨 RLUSD Is Coming for the Throne 👑

@Ripple isn’t just launching another stablecoin.

It’s rolling out $RLUSD under full federal oversight - with a U.S. bank charter + potential Fed master account in play.

Here’s what makes it different from USDC/USDT… and why $XRP holders should care 🧵👇Image
1/ First, what is $RLUSD? 💵

It’s Ripple’s new USD-backed stablecoin, launching on:

✅ XRPL
✅ Ethereum
✅ Eventually EVM sidechains + more

It’s backed 1:1 by U.S. dollar reserves (cash + short-term Treasuries) - and fully audited.

But here’s the kicker... 👇
2/ Regulatory alignment 📜

$RLUSD isn’t being rushed to market like other stables.

Ripple is doing it by the book:

🏦 Applying for a federal trust bank charter
🏛️ Targeting a Federal Reserve master account
🧾 Already registered with NYDFS

This is what USDC/Tether don’t have.
Read 9 tweets
$589 Profile picture
Jul 3
🇺🇸 The “Big Beautiful Bill” just cleared the House and is headed to Trump's desk 🇺🇸

Here’s what it means for crypto, #XRP, and your portfolio - and what happens next. 🧵👇 Image
1/ Late last night, the Senate passed Trump’s “One Big Beautiful Bill” - a sweeping economic package that’s now headed to Trump's desk for final approval.

✅ Massive tax cuts
✅ $3T+ in new debt
❌ No direct crypto provisions (yet)

Let’s break it down 🧩
2/ The bill passed 50-50 with VP JD Vance breaking the tie.

It’s a fiscal stimulus bomb - expected to flood the system with debt & fuel inflation over the next decade.

That’s bad for the dollar…

And potentially very good for #Bitcoin, #XRP, and #Crypto . 🧠
Read 9 tweets
$589 Profile picture
Jul 2
🚨 Ripple Applies for a U.S. Bank Charter

Big news dropped today: @Ripple is officially applying for a federal trust bank charter and aiming to get a Fed master account.

This isn’t just a formality... it’s a move that could reshape crypto banking forever.

Let’s break down what it means 🧵👇Image
1/ 🏦 What is Ripple applying for?

Ripple is seeking:

-A federal trust bank charter (via the OCC)
-A Federal Reserve master account

This would give Ripple the ability to custody assets, issue RLUSD under direct federal oversight, and access U.S. payment rails without intermediaries.
2/ ⚖️ Why this matters: Regulation

Most crypto companies struggle with unclear rules. Ripple’s move puts them under:

-OCC (Office of the Comptroller of the Currency)
-NYDFS (New York Department of Financial Services)
-The Fed (if granted a master account)

That’s top-tier regulatory alignment.
Read 9 tweets

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