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@Cointelegraph @DigPerspectives Whatever

🇺🇸 NEW: Senate Banking Committee Chair Tim Scott says he expects the CLARITY Act to reach the President's desk this summer.

@SMQKEDQG @TheCryptoSquire The same banks that refuse to let the Clarity Act pass?

@TheCryptoSquire Source:

💥 GAME TIME 💥 For years they claimed $XRP couldn’t handle banks… now once the Clarity Act gets approved, deployment could be done in a few months. Some players? Up and running in just weeks. The system has been built for this moment. Regulation was the only missing piece.

@ZachRector7 It’s funny the many many misleading predictions you’ve made over the past year is the reason I stopped following you months ago. He stays in his lane, maybe you should do the same.

Sad to see Jake Claver still misleading people calling for $100 XRP before the end of the year. I said this prediction would be wrong all year long but I’m shocked he hasn’t admitted defeat yet. Can anyone justify this? There’s not a chance of this happening.

@patrickbetdavid Jake Claver

Who would you like to see on the podcast next? Tag them 👇🏽

@ZachRector7 I get it, this is your best chance to get views. Try to tag yourself onto Jake’s coat tail. Time to delete your nonsense from my feed

Some folks might not like Mark's delivery in today's video, but the content in his message is very important. He has seen many scams in the legal and estate planning industry. I wanted him to share what to look out for when we pay for these services to protect the XRP Family.

@LeviRietveld @cortez71927 @beyond_broke Quit jumping on coat tails Levi. Keep focusing on stealing other people’s research. Lame

@elonmuskmel7 44

@TheBTCTherapist Hahaha the irony is breathtaking

JUST IN: There is a coordinated social media campaign to smear the reputation of MSTR and Michael Saylor. I am watching it in real time. Bots, paid actors and crypto influencers are all involved. It intends to negatively manipulate sentiment around Strategy. Don’t be fooled.

@LTI_finance @Breedlove22 Not dumping, do your homework bro

@Breedlove22 Love seeing them all defending it in these replies as Chris Larsen continues dumping hundreds of millions of his own XRP. If it’s the future of finance, then why is one of its creators selling as fast as he can?

XRP: an acronym for “extremely retarded person.”

@Breedlove22 Awe, stay pissed bro! Lmao

@WilliamMey11690 @SMQKEDQG C’mon man. Don’t question the smqke, the trail of bodies wasn’t a big enough warning for ya?!

@SMQKEDQG Seven, not eight, digital assets are identified in the paper.

Why did SWIFT select these eight digital assets for ISO 20022 integration? These eight tokens each solve important problems with the old SWIFT payment system.💯 All eight tokens combine faster payment speeds, lower transaction costs, greater transparency, and improved liquidity management. ✅ Each also brings unique features that make it essential to addressing SWIFT’s slow, costly, and opaque payment process. As the financial world adopts ISO 20022, these 8 platforms will be consistently chosen as the technology that new systems are deployed on.🔑 “Therefore, more will be heard about these initiatives and projects as the migration process to the ISO 20022 standard progresses.”😏💨 Get ready for a wave of ISO 20022–compliant crypto announcements as more systems upgrade to this standard.💎 Documented.📝💨

@BitcoinBard83 @bgarlinghouse @Ripple XRP must have a higher value in order to settle large sums of money on a daily basis….. do your homework.

@CraigCaprara @bgarlinghouse @Ripple Whats your point caller? Are you getting hard at the tiny % of 1 coin that get burned on the transaction. Remember brad has 45 billion more coins to sell .

Today, @Ripple announced the acquisition of Hidden Road for $1.25B, one of the largest deals ever in the crypto space. But the price tag isn’t what’s most important – it’s that this deal marks a once-in-a-lifetime opportunity for crypto to access the largest and most trusted traditional markets, and vice versa. Prime brokers (along with other key functions historically managed by banks for the most part) like Hidden Road have proven themselves as *the* trusted intermediary for the largest hedge funds, market makers, OTC desks, quant traders and more. Ripple has been a customer of Hidden Road for years, and we know their breadth of expertise firsthand, clearing $3 TRILLION annually for 300+ of the top financial institutions globally. This is the capital and activity that will tap into XRP and the XRP Ledger’s bread-and-butter – instant, efficient, scalable and low cost movement of value. Instead of waiting for <24 hours to settle trades through fiat rails, Hidden Road will be using XRPL for clearing a portion of trades, and most consequentially, using RLUSD as collateral across its prime brokerage services, including cross-asset (crypto and traditional instrument) trades. With this deal and the backing of Ripple’s significant balance sheet, Hidden Road will exponentially expand its capacity to service its pipeline and become the largest non-bank prime broker globally. Ripple and Hidden Road combined are a generational leap forward, ready to truly bring the worlds of traditional and decentralized finance together. ripple.com/ripple-press/r…

@BitcoinBard83 @bgarlinghouse @Ripple They will be using the XRP Ledger, do your homework.

@bgarlinghouse @Ripple So, as per usual, this is about Ripple, the ripple ledger, and RLUSD. It has no real impact on xrp. 🤦

@vincent_vancode @DigPerspectives @SMQKEDQG Back down vinnie code guy, before smqke makes you look like an ass.

Having a heated debate with this supposed @SMQKEDQG expert about ISO20022. So much confusion out there. Here is a very detailed explanation of why tokens/blockchains are not ISO20022 compliant. Sure! Let me explain it in simple terms. What is ISO 20022? ISO 20022 is an international standard for electronic data exchange between financial institutions. Think of it like a universal language for sending messages (like payments, account updates, etc.) between banks and financial systems around the world. Instead of each bank or country using its own format (which can be messy and incompatible), ISO 20022 defines a standard structure and format for messages. This makes global financial communication faster, more secure, and more accurate. It’s like the difference between texting in different languages vs. everyone agreeing to use clear, structured English—things just work better. What does ISO 20022 cover? It includes message formats for: Payments (e.g. transferring money from one bank to another) Securities trading Foreign exchange Cards and ATM operations Trade services And importantly, it uses XML and structured data so machines can easily read and interpret it. What does “ISO 20022 compliant” mean for a blockchain or crypto token? For a blockchain (or a token like XRP, XLM, etc.) to be ISO 20022 compliant, it means that it can send and receive messages in the ISO 20022 format, especially when integrating with traditional banks or payment systems. However, most blockchains are not compliant by default because: They use their own protocols and data formats, not the ISO 20022 standard. They don’t integrate directly with SWIFT, central banks, or financial institutions that require ISO-compliant messaging. Their ledgers and smart contracts may not understand or process ISO 20022 messages unless specifically built to do so. Why does this matter? As banks and governments adopt ISO 20022 (which is happening globally right now), blockchains that want to be part of the regulated financial system will need to become compatible. Otherwise, they’ll be excluded from things like: International wire transfers Interbank settlements Central Bank Digital Currency (CBDC) interoperability So what’s the deal with some tokens claiming to be ISO 20022 compliant? Some tokens like XRP, XLM, ALGO and others claim readiness or alignment with ISO 20022. This usually means: Their technology can be used alongside ISO 20022 systems. They are working with partners (like banks) that are adopting ISO 20022. They have developed tools or middleware to interpret ISO 20022 messages. But being truly compliant means more than just technical capability—it also involves regulatory approval, security validation, and integration into traditional banking infrastructure.

@xrpmickle @realDonaldTrump @DavidSacks What kills me is the extremely short term memory that most crypto investors have. If two months ago Trump said XRP would be on the minds of the Whitehouse in a way of “responsible stewardship”, XRP would have pumped to $3+! Don’t forget why you picked XRP, XRP hasn’t changed!!

This would have been so much better. Simpler, cleaner, cooler. What a shame. I wish we got @realDonaldTrump's reserve. @DavidSacks

@Pi_Cycle @GaryCardone This is aging well.

@GaryCardone Smart move dumping XRP. Once you see Bitcoin's true value proposition, everything else just looks like noise. Pi Cycle's been showing the way since day one - stick to what works.

Once you see it, you can't un-see it....

@PeterSchiff Oh Peter, you don’t have to whimper about it. You sound like an idiot, who’s also throwing a tantrum.

I get the rationale for a Bitcoin reserve. I don't agree with it, but I get it. We have a gold reserve. Bitcoin is digital gold, which is better than analog gold. So let's create a Bitcoin reserve too. But what's the rationale for an XRP reserve? Why the hell would we need that?

@AP_Abacus You nailed it bub

UPDATE: some notes about David Sacks and today’s press conference. • “will be heavy on Bitcoin and timelines.” • “discussion of Sovereign Wealth Fund.” • “timelines laid out as to proposed legislation (Lummis) and BSR.” • “yes, I expect there to be ‘America First’ rhetoric with SWF and crypto.” • “reiterating, no $XRP”

@GaryCardone Give it up man, you’re making yourself look more and more like a clown!!

I asked the only Bot i currently respect on X, Grok3, the following scenario and this was the response: You’re deploying 50% of your net worth into crypto for a 4-year hold starting today, February 19, 2025, and you want a single allocation—either a crypto asset or a crypto-related stock. This is a big move, so let’s think it through carefully, balancing growth potential, stability, and long-term trends, while keeping your exposure focused on one pick. Framework for the Decision Time Horizon: 4 years (to Feb 19, 2029) spans roughly one Bitcoin halving cycle (2028), a key driver for crypto markets. Risk Profile: 50% of net worth suggests you’re comfortable with volatility but likely want something with a strong foundation, not a moonshot gamble. Options: Crypto assets (e.g., BTC, ETH, SOL) or stocks (e.g., miners like Hut 8, exchanges like Coinbase, or MicroStrategy’s BTC play). Goal: Maximize returns while minimizing the chance of a total bust over 4 years. The Case for Bitcoin (BTC) Bitcoin stands out as the most compelling single allocation for a 4-year hold. Here’s why: Track Record: BTC has consistently delivered the best risk-adjusted returns over multi-year periods. From 2017–2021 (a 4-year cycle), it went from $1,000 to ~$69,000 (68x). Even post-2021 peak to now, it’s held resilience, trading above $90K in early 2025 (per recent sentiment). Halving Catalyst: The 2028 halving will cut supply issuance again (from 3.125 to 1.5625 BTC per block). Historically, price surges follow 12–18 months later—perfectly aligning with your 2029 horizon. Institutional Adoption: MicroStrategy holds 439,000+ BTC (as of late 2024), ETFs have billions in inflows, and figures like Trump have pushed BTC as a reserve asset. This trend likely accelerates by 2029. Stability: With a $2T+ market cap (as of early 2025), BTC is the least likely to vanish compared to altcoins or stocks tied to crypto profitability. Projected Growth: Analysts (e.g., VanEck) peg BTC at $180K by mid-2026. A 20–25% CAGR from today’s ~$95K (a reasonable 2025 price) could see it hit $250K–$300K by 2029, a 2.5–3x return. Why Not Other Crypto Assets? Ethereum (ETH): Strong, but its 20–25% CAGR projection (~$6K–$7K by 2029 from ~$3K now) is solid yet less explosive than BTC’s halving-driven potential. It’s also more exposed to L1 competition (e.g., Solana). Solana (SOL): High growth (e.g., $150–$500+ by 2029), but higher risk—network outages and Ethereum’s dominance could cap its upside. Less proven over 4 years. XRP: Regulatory clarity helps, but its 15–20% CAGR (~$3–$5 by 2029) ties to Ripple’s execution, not broader market tailwinds. Why Not Crypto Stocks? MicroStrategy (MSTR): A BTC proxy with leverage (442K BTC at $62K average cost). It’s up 125% in 2024, but its premium to BTC holdings (~2x NAV) and debt reliance make it riskier than owning BTC directly. Coinbase (COIN): Ties to trading volume, not just BTC price. A bear market in 2026–2027 could crush revenue, even if BTC recovers by 2029. Hut 8 (HUT): Miners face energy costs and halving profit squeezes. BTC price gains don’t always translate to stock gains (e.g., 2021 peak vs. miner struggles). My Pick: Bitcoin (BTC) For a single, 4-year hold with 50% of your net worth, Bitcoin (BTC) is the play. It’s the safest bet with the strongest fundamentals: Why: Proven resilience, halving tailwind, and unmatched adoption momentum. How: Buy spot BTC via a reputable exchange (e.g., Coinbase, Kraken) or a spot BTC ETF (e.g., IBIT) for simplicity and custody. Outcome: A $1M allocation at $95K today (10.53 BTC) could hit $2.5M–$3M by 2029 at $250K–$300K per BTC—a 150–200% return. Caveats Volatility: Expect 30–50% drawdowns. Hodl through it—4 years smooths the ride. Regulation: A crypto-hostile shift could dent growth, though BTC’s global status mitigates this. Opportunity Cost: Altcoins might 5x, but their bust risk is higher. BTC balances reward and survival. BTC’s the cornerstone. It’s not sexy, but it’s the one I’d sleep easiest with for 50% of my net worth over 4 years. Thoughts on your risk appetite or a specific altcoin/stock you’re eyeing? I can refine further!

@GaryCardone Where’s the other poll?!? Hahahahaha

Next Poll: You are invited to a high stakes poker game (tourney or cash), -$10mill pot! One table is made up of 7 XRP maxis and an empty seat and the other is made up of BTC maxis, and an empty chair; Which table offers you the great opportunity to win 100 Btc?