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Iso Ledger
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Iso Ledger
@JamesDula82
Iso Ledger Rejecting the binary. Auditing the plumbing of the 2026 financial reset. 💎 Tokenized Assets & Native Lending 🚫 No fluff. Skepticism First.
가입일 Kasım 2016
58 팔로잉272 팔로워
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BREAKING: @SolanaFndn joins the x402 Foundation at @linuxfoundation
Solana Foundation@SolanaFndn
Solana Foundation is now a member of the x402 Foundation, joining Amazon, American Express, Circle, Cloudflare, Coinbase, Fiserv, Google, Mastercard, Microsoft, Shopify, Stripe, Visa, and more. The x402 protocol now has a neutral, open-source home at @linuxfoundation
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Read the founding member list again slowly.
Amazon Web Services. Google. Microsoft. American Express. Mastercard. Visa. Stripe. Shopify. Cloudflare. Ant International. Circle. Coinbase.
That's not a crypto announcement. That's the entire internet economy agreeing on a payment standard simultaneously.
HTTP for data. SMTP for email. x402 for value.
They just put payments in the same category as the foundational protocols the internet runs on. Under the Linux Foundation. Neutral. No single owner. Community governed.
Now remember what Franklin Templeton backed. t54. The company that built x402 on XRPL. Franklin Templeton isn't just on XRPL. They funded the payment layer that just became an internet standard.
The founding coalition chose neutral rails. The Linux Foundation chose neutral governance. The protocol supports both fiat and crypto.
AI agents need to pay each other without human authorization. x402 is how. XRPL is where Franklin Templeton built it. x402 just became the standard the whole internet agreed to use.
Terafab builds the chips. Optimus runs the agents. x402 is how they pay each other.
Jensen said AGI is here. The autonomous economy needs autonomous payments. The Linux Foundation just standardized it.
Nobody connected Franklin Templeton to this announcement today.
ISO Ledger connected it. 🛡️
Coinbase 🛡️@coinbase
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Follow the logic of every single thing that happened today:
Drift exploit — attacker's first move is bridge to ETH, swap to USDC, pray Circle doesn't freeze it in time. The exit route runs through clawback infrastructure. XRP has no clawback.
GENIUS Act delay — stablecoin yield fight still unresolved. More fragmentation. More stablecoins. More bridges needed between them.
Fellowship PAC — Tether embedding into politics. USDT vs RLUSD war accelerating. Fragmentation deepens. Bridge demand increases.
OCC rule live — Ripple national trust bank path cleared. Federal law. Today.
ECB DLT collateral live — European institutional settlement on chain. Today.
ISO 20022 complete — XRP native to the standard from day one. Today.
SWIFT gap documented — messaging layer confirmed. Settlement layer left as "other agreed mechanisms."
Malaysia toll free passage — alignment detector sorting the world. Nations need neutral settlement.
NATO fracturing — the guarantee is gone. Neutral infrastructure demand accelerating.
Castrol receipt — 73 year grievance documented. The petrodollar foundation cracking in real time.
Shanaka's geological receipt — one reservoir, four systems broken simultaneously. The monetary system is the only one with an alternative already built.
Every road today. Every single one.
We don't chase pumps. We audit the plumbing. 🛡️🪿
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"SWIFT is a messaging network."
Not a payments company.
Not a settlement layer.
Not the solution.
It carries the instruction.
It never touches the money.
The gap between the message and the money?
That's $27 trillion in nostro/vostro capital sitting idle in correspondent bank accounts around the world.
Pre-funded. Dead. Waiting.
SWIFT's own former CEO documented it.
Message travels over SWIFT.
Settlement happens somewhere else.
They just launched a blockchain MVP.
34 banks signed.
87 pages of architecture.
And buried in their own documentation:
"Banks retain settlement authority through RTGS, correspondent banking, or other agreed mechanisms."
Other agreed mechanisms.
They built the world's most sophisticated messaging network and left the hard part as a footnote.
The hard part is the settlement layer.
The hard part is what moves when the message arrives.
The hard part is what works at 2am on a Sunday when no correspondent bank is open.
The hard part is what sovereign nations on opposite sides of a war can both trust.
SWIFT named the gap.
The gap has a name too.
We audit the plumbing 🛡
Prajit Nanu@prajitn
My annual reminder that SWIFT is not a payments company. SWIFT is a messaging network between financial institutions. It never touches the money. Let’s debunk a couple of myths. SWIFT is not responsible for payment delays When a cross-border payment is delayed, it’s usually because of: • intermediary banks • compliance and AML checks • liquidity availability between banks • cut-off times in local markets SWIFT simply passes the message between the banks involved. Blaming SWIFT for a slow payment is like blaming email when a contract takes a week to get signed. The message moved instantly. The people involved took time. SWIFT is not a PSP SWIFT does not: • hold funds • move funds • settle funds Banks move the money between accounts. SWIFT only sends the instruction message between those banks. An easy way to think about it: Calling SWIFT a payments company is like calling WhatsApp a telecom operator or calling email a courier service. It carries the message. It doesn’t move the asset. Understanding this distinction matters because most of the complexity in cross-border payments sits in banking, settlement, and compliance, not in the messaging layer.
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@Dagnum_PI SWIFT built the messaging layer and left settlement as "other agreed mechanisms." That blank is still unfilled on SWIFT's ledger. Their own documentation confirmed it.
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SWIFT is building a blockchain-based shared ledger and will start with a conceptual prototype with Consensys.
Real-world transactions set to go live this year. The ledger will enable 24/7 cross-border payments between banks' tokenized deposits.
It’s built on Hyperledger Besu (EVM-compatible) with the ConsenSys/Linea prototype as the foundation.
No new rails, no forced rip-and-replace just a shared digital orchestration layer that records and validates interbank commitments in real time while banks keep full control of keys, assets and compliance.
@Vet_X0 is correct. SWIFT is not using $XRP.
Ripple and XRPL are not part of this.
But here’s where the “we don’t need SWIFT, banks will just bypass it” narrative completely falls apart.
SWIFT isn’t some dusty legacy system it’s the global standard.
11,500+ institutions.
200+ countries.
$150T+ in daily cross-border messages.
It has 50+ years of regulatory trust, legal finality and iron-clad integration into every major bank’s core.
Institutions don’t “leapfrog” infrastructure like that overnight. They augment it. That’s exactly what SWIFT is doing with this parallel-track strategy. Bring blockchain benefits without forcing banks to tear out what already works.
XRP was purpose-built for fast, cheap cross-border liquidity but for regulated banks to adopt it at real scale it needs seamless interoperability with the one network that already connects everyone.
That network is SWIFT.
Claiming banks will simply ignore SWIFT and go full decentralized overnight is pure hopium. The projects that win will be the ones that integrate with this new SWIFT ledger not the ones pretending it doesn’t matter.
Facts over memes.
The entire space just got a huge validation… even if XRP isn’t on the guest list this time.
Swift@swiftcommunity
Our plans to build a blockchain-based shared ledger have reached a major new milestone. After completing its design phase with a global group of banks, we are now shaping the ledger’s first MVP iteration, which will enable interoperability between banks’ tokenised deposits and facilitate 24/7 cross-border payments. 📅The MVP is planned to go live with real-world transactions this year, as we work in parallel with banks internationally to help accelerate the industry's transition to digital finance. The ledger will allow payments to be executed using tokenised deposits, leverages existing compliance processes and supports multiple settlement options. The result? - Faster payment execution - Better liquidity visibility - Reduced reconciliation efforts - Interoperability across institutions ⚡Learn more about how our progress on the ledger is part of a parallel track strategy to power a best-in-class payments experience, however value moves: swift.com/news-events/ne… #CrossBorderPayments #Ledger
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@SMQKEDQG I dont see how xrp is used . When banks transact on the xrpl using rlusd xrp isnt needed. When its used as a bridge then yes xrp is used. But if not bridge is needed because all banks are connected, where does xrp get used? Please help me understand
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‼️BRAD GARLINGHOUSE PREVIOUSLY CONFIRMED THAT OVER 100 SWIFT BANKS HAVE PARTNERED WITH RIPPLE‼️
“SWIFT said not that long ago they didn’t see blockchain as a solution to correspondent banking. We've got well over 100 of their customers saying they disagree," he said.😏💨
Ripple’s takeover of the SWIFT network is already underway.🎯
XRP will be used on the SWIFT platform.💯
Documented.📝👇
SMQKE@SMQKEDQG
Yes, SWIFT will use XRP.✅
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🚨 HUGE BREAKING $XRP NEWS!
@Ripple have just partnered with Convera who are a global leader in commercial payments!
Their CEO said "we needed a trusted, visionary partner that can help us meet our customers where they are in their journey,”
Huge companies NOW NEED $XRP
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@Vet_X0 @VALELORDX Vet you haven't had enough feom the last week you've been through to take a break for a moment? Theres always going to be mis information, look out for your own mental health my friend.
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Thank you for a little bit of hopium. Between everything going on in the world right now, and seeing all this rlusd/xrpl it seemed to me xrp wont be used at all. Gets you caught up in your own mind sometimes and makes you question if you made the "right decision". Appriciate the article you wrote. Gave me a tad bit of needed hopium.
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Since I wrote that article in 2020, some things have changed, especially with stablecoins' role getting into payments and settlement, but SWIFT's model remains the same.
x.com/panosmek/statu…
Panos 🔼🇬🇷@panosmek
SWIFT's announcement is nothing but a nothing burger. Nothing really changes in the system. They'll drag their feet for years before anything hits production, exactly like they delayed ISO 20022 for ages. Why? Because real progress goes against the status quo and their precious correspondent banking system which extracts so much money. That whole racket is purposely built full of middlemen, inefficiencies, and rent-seeking to keep the fees and control flowing. Just marginal improvements here and there on top of a completely broken and corrupt infrastructure. We don't even need SWIFT anymore. And once again, they will NOT use XRP or XRPL. Anyone who understands the history and how SWIFT operates, knows that SWIFT would prefer to die than use XRP. It's against their "ethos". Moving on...
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Many people seem to have no understanding of how SWIFT works and what it is. They will never use XRP / XRPL, they will never partner with Ripple because it makes zero sense. They are a cartel owned by the biggest banks and too much profit is at stake.
panos.writeas.com/xrp-disrupting…
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What people will eventually realize is @CantonNetwork @solana and @ethereum have the same permissionless properties but only one of them have the privacy required to support regulated capital markets.
There’s no denying institutions have to live in a multi-chain world but they are going to start where liquidity is deepest and has the lowest friction from architectural design, risk and compliance standpoints.
This is why Canton is accelerating. Firms realize Canton provides the distribution for capital markets scale with compliance in a simple design.
Maybe one day these transparent chains will figure out privacy and be able to support capital markets scale, but as of right now, only one chain can measure success in trillions… Canton.
Andy@andyyy
This is actually very very spicy and provides a potential outcome to some of the Canton vs. Ethereum / Solana debate. Still don’t know if I agree entirely. Rand’s thesis is: The internet won because it was open. It was permissionless for anyone to use and build on. This idea is akin to public blockchains. Private blockchains, or ‘intranets’, therefore won’t make it once privacy producing technology reaches public blockchains enabling all the qualities institutions are looking for in private, permissioned chains today. I think it’s somewhere it the middle & the future is likely in the grey area. Public blockchains which use privacy will win large enterprise deals in payments and finance, which reap massive benefits from composability and network effects. Private, permissioned chains (or “databases” as some call them) will have their specific usecases for risk averse clients and more sensitive needs. The debate continues…
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@unknowDLT Xrp gas fees only. Not as a bridge. They will use the xrpl. Big difference
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@Adam_Xrp_ @SMQKEDQG They will your XRPL. XRP will be the gas fees. Big difference
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@SMQKEDQG So its only going to use xrp gas fees? Not traded as a bridge? Not good
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‼️THE SWIFT EVM COMPATIBLE LEDGER WILL CHANNEL MAJOR LIQUIDITY TO XRP VIA RLUSD‼️
Ripple deliberately issued RLUSD on Ethereum from launch.☝️
Their strategy was to tap into the deep enterprise liquidity already present there and route it toward the XRPL.🎯
The XRPL EVM side chain together with Swifts EVM compatible ledger MVP now makes this vision fully operational.💯
It will enable RLUSD transfers between Swift’s EVM ledger and the native XRPL.🔑
Importantly, the EVM side chain still uses XRP as gas.😏💨
Documented below.📝👇
Swift@swiftcommunity
Our plans to build a blockchain-based shared ledger have reached a major new milestone. After completing its design phase with a global group of banks, we are now shaping the ledger’s first MVP iteration, which will enable interoperability between banks’ tokenised deposits and facilitate 24/7 cross-border payments. 📅The MVP is planned to go live with real-world transactions this year, as we work in parallel with banks internationally to help accelerate the industry's transition to digital finance. The ledger will allow payments to be executed using tokenised deposits, leverages existing compliance processes and supports multiple settlement options. The result? - Faster payment execution - Better liquidity visibility - Reduced reconciliation efforts - Interoperability across institutions ⚡Learn more about how our progress on the ledger is part of a parallel track strategy to power a best-in-class payments experience, however value moves: swift.com/news-events/ne… #CrossBorderPayments #Ledger
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@LayahHeilpern Do you think Jim knows hes a meme at this point? Asking for a friend.
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Jim Cramer says oil prices have topped.
Bad news, I’m afraid oil is officially going to $200!
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Kinexys settles JPMorgan clients with jp Morgan clients. Ondo handles rwas, chainlink is the messaging system. You moved from "banks and central banks handle it" to naming a specific JPMorgan proprietary system. More fragmentation. More bridging needed. Your not answering the bridge that connects them all.
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@JamesDula82 @Bird_XRPL No and theyre not using XRP for anything.
ledgerinsights.com/jp-morgans-blo…
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I think Swift will use the XRP Ledger.
GIF
Swift@swiftcommunity
Our plans to build a blockchain-based shared ledger have reached a major new milestone. After completing its design phase with a global group of banks, we are now shaping the ledger’s first MVP iteration, which will enable interoperability between banks’ tokenised deposits and facilitate 24/7 cross-border payments. 📅The MVP is planned to go live with real-world transactions this year, as we work in parallel with banks internationally to help accelerate the industry's transition to digital finance. The ledger will allow payments to be executed using tokenised deposits, leverages existing compliance processes and supports multiple settlement options. The result? - Faster payment execution - Better liquidity visibility - Reduced reconciliation efforts - Interoperability across institutions ⚡Learn more about how our progress on the ledger is part of a parallel track strategy to power a best-in-class payments experience, however value moves: swift.com/news-events/ne… #CrossBorderPayments #Ledger
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Ok so your answer is every one of these banks are going to use the same stablecoin. Usdc, usdt ect all over the world. If thats yiur answer ill accept it. No need to get flustered. I was genuinely curious. But CCIP is a messaging system its not a finality. So in the end if stablecoins isnt your answer then you haven't answered my question and im still confused
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@JamesDula82 @Bird_XRPL You cant understand anything when you dont read anything.
" banks’ tokenised deposits to facilitate 24/7 cross-border payments."
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@mike18200 @Bird_XRPL CCIP routes the message. What provides the on demand liquidity at the destination so the receiving bank gets paid instantly without prefunding? I really want to understand.
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@mike18200 @Bird_XRPL Ok maybe Im confused and I could be retarded, so bear with me, but whats the bridge? Or are you saying everyone is going to use the same stablecoin?
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@JamesDula82 @Bird_XRPL The same ones banks already use today. Blockchain is an integration not replacement.
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I have to hold faith in one realization. 2 words that I hold dear, that I think banks will come to figure out. "No clawbacks" those 2 words mean something when 507 million usdt was froze from iran. Countries dont teust eachother and never will. They wont hold eachothers cbdc stablecoins. They need something they can trust
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@JamesDula82 @Bird_XRPL The same people. Swift handles the message, banks and central bank systems handle the actual money.
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