1/ 🚨 “Banks don't want to hold XRP, so it’ll never be used.”

That FUD confuses balance sheets with payments design. In ODL (Ripple’s On-Demand Liquidity), banks don’t warehouse XRP. Liquidity is sourced via exchanges/market makers. A bank/PSP consumes a quote, funds fiat, the system buys XRP, moves it across XRPL in ~3-5s, sells into destination fiat, and pays out locally. It’s all API-orchestrated. No balance-sheet headache required.

Keep reading for a full explanation 👇🧵 2/ 💡 The legacy problem

Global payments today = trapped trillions in nostro/vostro pre-funding, multi-hop correspondent chains, opaque fees, slow settlement, capital inefficiency, and FX risk. BIS/G20 have made real-time atomic settlement a priority. XRP solves the plumbing problem: unlocking trapped capital while collapsing settlement risk.

🚨 The #XRPL DEX: The Most Misunderstood Feature in Crypto 🔥

Everyone talks about "decentralized exchanges"... but few realize #XRPLedger has had a native DEX built-in since 2012.

Let’s break down why that matters for institutions 🏦, safety 🔒, and speed ⚡- and how platforms like @XPMarket, @FirstLedger, @OpulenceX, and @xMagnetic fit in. ⏬ 1. Native vs. Non-Native 🧩

Most blockchains don’t come with a DEX baked in.
They rely on smart contracts (think Uniswap on Ethereum).

#XRPL is different. Its DEX is hard-coded into the ledger itself.
No contracts. No add-ons. No third-party risk.

That’s why it’s faster, safer, and more scalable 🚀.

🚀 How Much Money to Take $XRP to $10, $100, $589… and $1,000? 🧵

You’ve heard the crazy price targets.
But how much actual money would it take to get there?

Let’s break it down - and it’s probably way less than you think. 👇 1/ Today’s starting point 📍

Price: ~$3.27
Circulating supply: 59.31B XRP
Market cap: ~$194B

This is our “starting market cap” before we start cranking up the price.

🚨 Alt Season Incoming? Let’s Talk History 🚨

The crypto market moves in cycles - and every Alt Season has followed a familiar playbook.

Here’s how it’s happened in the past, which cues are flashing now, and why $XRP is set to lead this one.
🧵👇

#XRP #AltSeason 1/ What is an Alt Season?

An Alt Season is when altcoins outperform Bitcoin across the board, often seeing 2x, 5x, even 10x moves while BTC dominance falls.

It doesn’t happen randomly. There are historical patterns.

“Ripple doesn’t need XRP”?

Read this. 📑

The loudest critics are still stuck in 2018.

Here’s how $XRP actually fits into Ripple’s stack + the #XRPL today - and why “only gas” is a lazy take. 🧵👇

https://twitter.com/cryptoleeches/status/1953570216224649229

1/ TL;DR (for the skimmers)

Ripple = enterprise payments software.
XRPL = public blockchain.
XRP = the bridge asset that turns slow, pre-funded FX into instant, on-ledger settlement.
Yes, some Ripple software can move fiat without $XRP… but the cost/time advantage shows up when #XRP does the FX bridging. ⚡🌍

🧵 “$XRP will never reach $589, do you know what the market cap would have to be?”

That’s the genius take I hear every week. 🤡

Let’s dismantle the "market cap myth" once and for all.

Because crypto ≠ stocks.
And market cap ≠ real liquidity.
👇👇👇

#XRP #XRPCommunity #Crypto 1/ “Market cap” is a vanity metric

Market cap = Price x Supply
Sounds logical. But in crypto, it’s mostly smoke and mirrors. 💨

It doesn’t mean $ X trillion actually flowed into #XRP.
It just means:
🔹 This is the current price
🔹 Multiplied by total supply

🧵Who is Stefan Thomas?

🔹The Ripple CTO who helped design Interledger.
🔹The guy who lost 7,002 BTC.
🔹The founder of Coil, one of the most ambitious attempts to fix web monetization.

Let’s dive in 👇

#XRP #Ripple #XRPArmy 1/ Early days

🇩🇪 Born in Germany
💻 Built his first website at 10
🧠 Self-taught coder

Stefan burst onto the crypto scene with:

⚙️ BitcoinJS (first Bitcoin in JS)
🎥 “What is Bitcoin?” explainer video

That video? Paid in BTC. We’ll come back to that...

🧵 “$XRP is centralized!”

That’s the go-to line for people who don’t understand how the #XRPL works.

Let’s dismantle this myth once and for all:

Consensus, validators, escrow, distribution - Is $XRP actually decentralized?
👇👇👇

#XRP #XRPL #Crypto 1/ $XRP doesn't use mining.⚒️

No PoW. No PoS.

Instead, #XRPL uses a Consensus Protocol that finalizes transactions in 3-5 seconds.

🧠 Nodes vote on transactions.
🗳️ 80% agreement = consensus.
💥 No miner cartels. No validator bribes.

You don't need to burn oceans of electricity to run it.

🧵“$XRP is a scam. Ripple execs just dump on retail.”

That’s the genius take I see every day.

Let’s walk through how mind-numbingly dumb that is…
👇👇👇

#XRP #XRPArmy #XRPCommunity 1/ If $XRP were a scam…

Why didn’t they just rug in 2017 when it hit $3.84? 💰

No SEC case. No scrutiny. No lawsuits.
Just cash out and disappear.

Instead, Ripple kept building - for years - while #XRP stayed under $1.
🤔

🧵 Ripple Execs Keep Selling XRP… So Why Is It Still Standing?

Jed. Chris. Brad.

Ripple insiders have sold billions of $XRP since launch - and yet, XRP is still here.

Let’s break down every major sale, the real reasons behind them, and why it doesn’t matter long-term 👇

#XRP #XRPL #589Army 1. 💥 First things first…

Ripple execs have been selling $XRP for over a decade.

Jed dumped billions. Larsen just offloaded 167M in July. Even Brad sold.

But sales ≠ failure.

They reflect shifting visions, old feuds, and personal exits - not the end of #XRP.

🚨 How Chris Larsen Brought XRP to the World 🚨

The #XRPLedger didn’t need another coder.
It needed a closer. A visionary. A fintech disruptor.

Enter: Chris Larsen.

Here’s why the devs behind #XRP chose HIM to lead the charge 🧵👇 1. He wasn’t a crypto bro. 😎

He was already disrupting finance.

🔹 Co-founded E-Loan in 1996
🔹 Built one of the first online lending platforms
🔹 Let users access their FICO scores before anyone else did
🔹 Took it public. $1B+ market cap.

He didn’t talk decentralization. He did it.

🚨 THE TACO STAND WALLET - EXPLAINED

For nearly a decade, one man slowly dumped billions of #XRP onto the market.

His name? Jed McCaleb
His wallet? “tacostand”
His impact? Legendary.

Here’s the full story 👇🧵 1. Who is Jed McCaleb?

Jed co-founded Ripple and helped create the $XRP Ledger in 2012.

He left in 2013 after internal disagreements and went on to found Stellar (XLM) - a direct competitor to #XRP.

But he didn’t leave empty-handed…

🚨 The forgotten Ripple founder...

➤ Built Mt. Gox
➤ Created the #XRP Ledger
➤ Cashed out billions in $XRP
➤ Launched Ripple and Stellar

And most XRP holders don’t even know his name.

This is the wild story of Jed McCaleb 👇🧵 1/ McCalebs's Early Life

👶 Born in Arkansas (~1975)
🧠 Self-taught programmer
📚 Dropped out of UC Berkeley (physics major)
💻 Started building on the internet before it was cool

He was coding decentralized networks before "crypto" was even a word.

🧵 Who is Arthur Britto?

The ghost co-founder of @Ripple.
The silent architect of #XRP.
The man who helped designed the Internet of Value…
Then vanished.

Here’s how his legacy still shapes the future 👇

$XRP #XRPL #589Army 1/🔧 Co-Creator of the #XRP Ledger

In 2011, Britto, David Schwartz, and Jed McCaleb built the #XRPL from scratch.

While Bitcoin maxis were obsessed with mining, Britto focused on speed, efficiency, and compliance.

The goal? Move money like the internet moves data.

🧵 How David Schwartz quietly built the future of global finance

He didn’t just stumble into crypto.
He engineered distributed systems before Satoshi.

@JoelKatz patented scalable workload tech before “blockchain” was a word.

And now he’s CTO of @Ripple, helping shape a new financial system.

Let’s break it down 👇
#XRP #XRPArmy #XRPCommunity 1. 🧠 Early engineer, early vision

David Schwartz earned his degree in electrical engineering from the University of Houston in the early '90s.

But he didn’t wait to graduate to start building...

By 1988, he founded his own software company and filed a patent that foreshadowed Web3.

🧵 Brad Garlinghouse: The Perfect CEO for Ripple?

Most people know him as the face of Ripple...

But @bgarlinghouse's entire life - from high school to Harvard - has built him for one thing:

💥 Leading crypto into the Internet of Value.

Here’s the proof:
👇👇👇 1/ High School Brad was already a leader

🏫 Topeka High School
• Student Council President
• Editor of the school paper
• Homecoming King nominee

He wasn’t just smart - he was strategic. Even back then, Brad knew how to communicate, lead, and win people over.

🚨 Did Ripple Co-Founder Chris Larsen just crash the $XRP price by 15%?

50 million XRP.
$175 million.

All moved while price was at local highs.

Let’s break down what really happened 🧵👇

#XRP #Ripple #XRPCommunity 1/ Whale alert 🐳

Between July 17–24, wallets linked to Chris Larsen (Ripple co-founder) moved:

👉 50M XRP (~$175M)
👉 Over $140M of it ended up on centralized exchanges

That’s a massive on-chain flag… and the price dropped over 15% right after 📉

🚨 ALL THREE crypto bills just passed the House:

✅ CLARITY Act
✅ Anti-CBDC Surveillance Act
✅ GENIUS Act

This is a monumental moment - and it’s insanely bullish for XRP 🧵👇

#XRP #Ripple #CryptoWeek #XRPArmy 1/ Let’s break it down...

Each of these bills changes the U.S. crypto landscape - and XRP is perfectly positioned to benefit from all three:

📜 CLARITY Act
🛑 Anti-CBDC Surveillance Act
💡 GENIUS Act

Here’s what they do and how they unlock XRP’s full potential 👇

🚨 The Anti-CBDC Surveillance Act just stalled in the House… but what does it actually do? And how is Ripple issuing CBDCs any different than government overreach?

Let’s break it down 🧵👇
#XRP #Ripple #CBDC #CryptoWeek

https://twitter.com/EleanorTerrett/status/1945244790750077157

1/ What is the Anti-CBDC Surveillance Act? 🤔

It’s a bill that:
• Bans the Fed from issuing a retail CBDC
• Blocks CBDCs from being used in monetary policy
• Requires Congressional approval for any future CBDC
• Protects private digital money (like XRP)

Why? 👇

🚨 The CLARITY Act is heading to the House floor this week.

This bill could officially classify $XRP as a commodity - and end the regulatory chaos once and for all.

Here’s what’s on the table 👇🧵
#XRP #Ripple #CryptoWeek 1/ What is the CLARITY Act? 🏛️

The Digital Asset Market Structure Clarity Act (H.R. 3633) is a bipartisan bill that:

✅ Defines when a digital asset is a commodity
✅ Restricts the SEC’s ability to overreach
✅ Empowers the CFTC as the main regulator for crypto

🚨 "Crypto Week" kicks off with 3 major pieces of legislation up for debate in the House of Representatives 🚨

🔹Genius Act
🔹Digital Asset Market Clarity Act
🔹Anti-CBDC Surveillance State Act

Let's dive into these, one at a time, starting with the Genius Act.

What it means for crypto clarity and adoption - and more specifically $XRP👇 🧵

#XRP #Ripple #RLUSD 1/ Congress is voting on the GENIUS Act 🤓

A game-changing bill that gives legal clarity for U.S. stablecoins.

And while everyone’s focused on stablecoins…
they’re missing the bigger picture.

This is setting the stage for $XRP to run the show