Andrew Mills

@EleanorTerrett of course @faryarshirzad is doubling down. If he doesn't then we crash...

🚨UPDATE: Early reactions in banking circles suggest the White House report missed the mark, according to a banking source I spoke with. The CEA analysis finds prohibiting stablecoin yield would do little to prevent deposit flight and only marginally increase lending. But bankers say this has never been about simply needing more deposits to lend. It’s about outflows, particularly from smaller institutions. The issue is more about how shifts in deposits shape how lending is funded, priced, and how stable it is over time. Community banks rely more heavily on stable retail deposits and have fewer funding alternatives. If funds migrate into stablecoins or larger institutions, they could feel the impact first, even if aggregate lending appears largely unchanged. Additionally, the source noted that deposits don’t move 1:1. While the report finds most stablecoin reserves recirculate into the banking system, bankers argue they don’t always come back in the same form. Losing stable retail funding can change how credit is funded and deployed, even if that shift doesn’t immediately show up in aggregate lending data. More to come on that front. Meanwhile, @coinbase Chief Policy Officer @faryarshirzad is doubling down, telling me the report is a net positive for banks: “The facts matter, and it’s good to see the Council of Economic Advisors confirm that stablecoins aren’t a threat to community banks,” he said. “Stablecoins are big win for consumers — and a big opportunity for banks. Rewards are critical to preserving those benefits.”

@pbrickman1 @TheCryptoSquire Bro... Ripple OWNS g Treasury...

@TheCryptoSquire Misleading post. Gtreasury is part of swift network but ripple is not. G treasury is part of ripple. Big difference.

🚨 RIPPLE JOINS SWIFT NETWORK 🚨 Ripple Treasury is now part of the SWIFT certified partner program. Even deeper integration into the global system for cross-border payments. XRP 🤝 SWIFT

@EvanTeezz @KenzoXRP @Bitforcoinz He's saying swift doesn't need to use XRP for XRP to be used in a swift transaction

@KenzoXRP @Bitforcoinz Swift literally announced they won’t be using XRP..

LET'S GOOOOOOOOOOOOOOO!!!!💥 IT'S OFFICIAL SWIFT🤝#RIPPLE #XRP WILL BRIDGE ALL THE MONEY🙌

@BrauliePeace @XrpUdate You can only sit tight and hold if you've gotten it right in the first place.

@XrpUdate So what the price is the price 1.37 and going down Biggest scam of the crypto world

BREAKING: $XRP is officially part of a Nasdaq-listed crypto ETF.💥 With ~6% weighting in Hashdex’s NCIQ, $XRP sits alongside $BTC and $ETH in a regulated investment vehicle. Highlighting its role in institutional portfolios.

@Dr_T_5 @dmweisberger It is for the people. If too many drop their money out of the banks. The banks will go bankrupt and they can't output the amount of Fiat that is required. Then people will lose hundreds of thousands of dollars. Just like what happened in Silicon Valley

@dmweisberger The focus should be, for the People, not greedy Banks!

Can ANYONE explain when the BANKING INDUSTRY has the ability to VETO Legislation? I must have missed that part in my political science classes... Given the damage they've done to the nation and the TRILLIONS in bailouts they've received, it is unconcsionable they have that power.

@DinkLinky @BSCNews @Reuters Because they run America.... Duh

@BSCNews @Reuters SOMEBODY!!! Explain to me why the banks have ANY say in this?

🏦REGULATION: BANKS REJECT WHITE HOUSE STABLECOIN REWARDS DEAL & STALL CLARITY ACT Banks have rejected a compromise proposed by the White House on a major U.S. crypto market bill, per @Reuters. Officials attempted to broker a middle ground between banks and crypto companies. The proposal allowed stablecoin rewards in limited cases, such as peer-to-peer transfers between users. However, the plan prohibited incentives on idle stablecoin balances. Crypto companies accepted the plan, banks have rejected it, fearing large outflows.

@EleanorTerrett @SenThomTillis @BankingGOP Thanks @EleanorTerrett . Your reporting has always been useful and productive to the industry. Keep up the good work 👍

🚨NEW: Pulse check on crypto market structure from a handful of conversations with industry sources today. ⬇️ First on yield: The ball appears to be in @SenThomTillis’s court. The North Carolina Republican was shaping up to be a holdout in January when the @BankingGOP Committee was preparing for a markup. Amendments from Tillis and @Sen_Alsobrooks that restricted the scope of stablecoin rewards issued by crypto firms were later cited by @coinbase as one of several reasons it withdrew support for the bill. Now, the White House has shared legislative text (the result of the past month’s negotiations with crypto and banks) with Tillis’s office, which has been meeting with industry and White House reps in recent days, with talks described as “moving in the right direction.” This tracks with my earlier reporting that there may never be a “eureka” moment where crypto and the banks reach full agreement and ride off into the sunset. Instead, it looks like language is being drafted around the minimum both sides can tolerate, with the ultimate goal of quickly getting something back to the Banking Committee to get the ball rolling again. Per @DigitalChamber CEO @CodyCarboneDC: “Sen. Tillis has been very receptive to our discussions about stablecoin yield. I am optimistic we will find a way to get to a "yes" vote on the bill, and we appreciate his work to try to advance market structure rules of the road.” Even if no Democrats vote yes on the Clarity Act during the next Banking Committee markup, it could still pass along party lines, but Tillis’s vote will be crucial if there’s no Democratic buy-in. Meanwhile, other industry stakeholders focused on different parts of the bill tell me the yield issue has “taken a lot of oxygen out of the room,” leaving other sticking points, mostly around DeFi, out to pasture. A DeFi leader involved in market structure negotiations said it feels like Senate Democrats are now scrambling to address those remaining issues. Ethics concerns will likely also remain top of mind for some of those Dem members. One crypto trade exec said they’re now considering alternatives if a Senate Banking markup slips further into the calendar year but remains “cautiously optimistic” that the next three weeks will produce enough progress on yield/rewards and other issues for the Banking Committee to reschedule a markup in late March.

@Ripple @binance HUGE!!!

$RLUSD has launched on @Binance with full XRPL support 🚀 on.ripple.com/4aN66hK

eXtRemely Positive to see $RLUSD listed on @binance

@B_arri_C Not just people but @JoelKatz as well said 30k is way to high. Try again

$XRP at $50,000 gets dismissed immediately by most people. That reaction only makes sense if you’re still thinking about #XRP as a retail asset. That price only becomes possible under one condition: when $XRP stops being treated like something you trade and starts being used as financial infrastructure. If every major bank and financial institution globally were using $XRP to move value, we’re no longer talking about speculation — we’re talking about how finance actually operates. Globally, trillions of dollars move every single day: • Cross-border payments • Interbank settlement • Liquidity provisioning • Treasury operations If even a fraction of that flow were routed through $XRP: • Daily settlement volume becomes enormous • Weekly and monthly throughput compounds • Annual value moved reaches into the quadrillions Now combine that with a finite supply. $XRP doesn’t inflate. It doesn’t expand to meet demand. As usage increases, the same fixed pool has to support more value. That’s where supply shock begins. At institutional scale, it actually makes more sense for $XRP to be expensive. It’s more efficient to use one high-value $XRP — broken into fractions or drops — to facilitate massive settlement flows than to move millions of low-priced tokens across the network. High-value settlement assets: • Reduce friction • Reduce balance-sheet exposure • Reduce idle capital That’s how infrastructure is priced. Not by retail cycles. Not by hype. Not by narratives. By the amount of value it replaces and moves. You don’t have to believe $XRP will ever reach $50,000. But if it were ever adopted globally as settlement infrastructure, the pricing model most people use today would no longer apply.

@bradas7992 @Ripple @UCBerkeley If you cannot see what's coming by now, there is no helping you. Go play the market. That's not what XRP is for

@Ripple @UCBerkeley And guess what , my bets are that it does absolutely nothing to the price so please stop posting silly rockets and lfg stuff ! Well annoying

Introducing the University Digital Asset Xcelerator (UDAX). 🎓 @UCBerkeley and Ripple's University Blockchain Research Initiative launched a pilot program to accelerate the transition from academic innovation to institutional XRP utility: on.ripple.com/3Lyfjko The UDAX - UC Berkeley mission: ➡️ Scaling enterprise solutions using XRP ➡️ Bridging the gap between early-stage ideas & market readiness ➡️ Connecting founders with Ripple engineers & global VCs

@JoelKatz $565 per xrp confirmed? Haha

If you do this, be a good Samaritan and do this for all your neighbors too.

@JoelKatz Hi David. It is me Jed, my GMail got hacked. Please send the money to me on X here. Thanks

Seriously?!

@ExtraVOD_ The XRP spike you saw is not a real price movement, but a Kraken-specific data glitch. TradingView simply plotted it, while other exchanges did not experience the issue — so their charts look normal.

XRP THEY LITERALLY JUST FLIPPED THE SWITCH THEN TURNED IT OFF LOL

@juniorsfarm @ExtraVOD_ It's there bro. Google trading view. Search for xrp and click on Kraken

@ExtraVOD_ Come on VOD. Lmao

@vegasgolds1 @ExtraVOD_ I can see it.. go to trading view search for xrp and click on kraken

@ExtraVOD_ NOBODY can replicate what you are showing

@LazarusWhi68151 @ExtraVOD_ Confirmed. I see it too. Trading view kraken has it

@ExtraVOD_ This isn't showing on my chart at all

@angular Y'all come out with new angular versions way too quick. Angular 19 and 20 should have just been one version. You need to give people time to keep up.

Can you guess what new features are coming to Angular in v21? 🎉 The answers are hidden in the riddle below. See if you can find them. “Hey I’m proof mints are coming to Angular v21. Just kidding! We’ve added exciting new features to Angular. Are ya ready to learn more? If so, I’ll give you a signal for making incredible web apps.”

@JoelKatz @KingOfChristt @vincent_vancode Why is the Internet going crazy with this tweet? I thought this was obvious from the lawsuit?

@KingOfChristt @vincent_vancode Ripple could sell the right to receive the tokens released from escrow or even sell the accounts the escrows complete into. But the XRP still can't circulate until their release dates.

XRP total supply is really 100BN, of course 35BN locked away. So all market caps use 65BN x last traded price. Yet BTC uses total coins mind to figure out supply. But this is WRONG. You have 1M or more in Satoshi wallet that is much like the escrow. Not to mention the millions lost or put in cold storage long term. Deduct that and you'll likely see a 15% less BTC market cap. This is the sort of sheit that goes on, and why market cap is a pointless lie you were programmed to think is important by the likes of Binance.

@Cryptoinsightuk That's always been the plan bro. Thats what the whole law suit was about. It wasn't xrp that was a security it was the sale of XRP that was the security. All these NDAs for all these banks and governments is the sales of the xrp in the escrow accounts...

Why now David, why now 🧐🧐🧐