🧵 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

🚨 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 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. 📡

📰 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 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.

🚨 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 #DeFi 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? 👇

🚨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 🧵👇 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

🚨 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 🧵👇 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... 👇

🇺🇸 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. 🧵👇 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 🧩

🚨 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 🧵👇 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.

💥The Ultimate 589 XRP Lore Breakdown💥:

Where did "589" originate and why is it so ingrained in the #XRP community? What clues have we been given and what are the real-world possibilities to the true meaning behind 589? Is it a price prediction or something much deeper? Let's take a deep dive and explore the meaning behind the number. Whether you're new to the lore or an $XRP die-hard, you'll find this interesting 🤔

A thread 👇 🧵 1/ Bearableguy123 & the 589 Origins 🐻

Who is @bearableguy123? Rising around 2018, this mysterious, anonymous figure became legendary in the #XRP community. He posted cryptic riddles and pixel-art scenes. One of the most famous included a castle emblazoned with a bear, crown, keys, $BTC, $XRP, $USD flags- sparking massive speculation about #XRP’s future and Ripple’s next moves.

🧵 XRP’s Role in ISO 20022: Future-Proof Finance

There’s a global shift happening in how money moves behind the scenes.
It’s called ISO 20022 — and XRP is built for it.

This is the story of the new financial messaging standard, why XRP fits in perfectly, and what it means for the future of global payments.
Let’s break it down 👇 1/ What is ISO 20022? 🏦🌐💻

ISO 20022 is a global financial messaging standard
It upgrades how banks and institutions communicate across borders

Instead of outdated, clunky formats, ISO 20022 allows for:
• Rich data 📊
• Faster validation ⚙️
• Cleaner compliance ✅
• Global interoperability 🌎

Think of it like going from dial-up to fiber internet — for money.