Will Lex Ham (📍Everywhere)

Every major institution that's tried to tokenize bonds or treasuries on Ethereum runs into the same wall about six months in. They need compliance built into the protocol. Not layered on top through custom contracts. Actually inside the ledger, and for a long time, that kind of solution didn't exist. The XRPL activated the Multi-Purpose Token standard and most people are treating this that like some kind of routine infrastructure update, but let me tell you...it's not. Here's the specific problem that's been blocking trillions of institutional capital from hitting blockchain rails: A bank decides to issue tokenized bonds....reasonable idea. They start with Ethereum because everyone does, right? Then legal gets involved. What happens if a sanctioned entity receives these tokens? What if we need to freeze assets for a fraud case? How do we clawback funds from a compromised wallet? Who's on the hook when the smart contract has a bug? Those questions don't have clean answers on EVM chains. So the bank hires devs to build a custom compliance layer. Six months. Half a million in audit fees. And the operational risk line on their regulatory capital allocation just got expensive. One exploit and the whole compliance framework collapses. Most projects stall here. Not publicly. The press releases just stop coming. So MPTs on the XRP Ledger do a whole lot to address this issue. Deep freeze is built into the protocol. Sanction a holder, freeze them, no smart contract involved. Clawback works the same way. Protocol-native, auditable, predictable. Identity verification sits at the ledger level too. Issuers restrict transfers to KYC-verified holders using DIDs and credentials enforced by the core protocol, not by a separate compliance layer that lives or dies on one code audit. Transaction finality is 3-5 seconds. Fees under a penny, paid in XRP and burned. During the last Ethereum congestion cycle, gas hit $50 per transaction. For institutions running high-frequency settlement, that math is a nonstarter. And there's a metadata field supporting the Actus standard. This is the part most people are skipping completely. It means an MPT can carry machine-readable financial contract terms, maturity dates, coupon rates, embedded directly in the token. Your risk systems read it automatically. No manual reconciliation. Every MPT transaction burns XRP. Every new issuance locks XRP as a reserve. If RWA tokenization hits even a fraction of the projected multi-trillion scale, that demand for XRP isn't speculative. It's tied directly to settlement volume. That's a different conversation than price predictions. Watch which institutions start issuing on XRPL over the next 12 months. The compliance problem was the blocker. MPT removed it. Execution is the question now. Leave a comment and let me know...is your thesis on XRP utility-based at this point, or still primarily speculative?

3 continents, 4 global office visits, 5 days. Crossed too many time zones to count... Recently, @MonicaLongSF and I (along with others on the Ripple leadership team) traveled to Dublin, London, Singapore and Sydney to meet with the Ripple Team (many of whom joined from our acquisitions of GTreasury, Hidden Road, Rail, Palisade and Solvexia). A few notes from the road - 1/ centers of gravity (business and/or employee) are never stagnant, and getting out of the US coastal mindset is imperative. It was incredibly energizing to hear from new and longtime Ripplers on what moves the needle where they are. 2/ Culture cannot be taken for granted. More than ever, we’re championing a maniacal focus and eliminating bureaucracy for employees to be owners. Don’t confuse activity with progress. 3/ Adoption doesn’t happen overnight. Platforms > point solutions. Meet customers where they are, not where they might be in a couple years. 4/ AI is becoming a fundamental part of our products – especially in cash forecasting and liquidity management in real-time for the office of the CFO. Employee productivity may be where AI starts, but the end goal is much bigger. 5/ 2026 is shaping up to be another defining year. We’re in the right markets with the right capabilities across payments, custody, liquidity and treasury management. There's a huge opportunity ahead, and we are making sure XRP is at the center of it.

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The signs have been there all along & Ripple's deep integration into the global financial system is unlike anything we've seen in crypto. From the Federal Reserve to the World Bank, from BlackRock to the UN - they're everywhere that matters XRP isn't just another digital asset. It's positioned to be the bridge between the old and new financial world This is bigger than most realize

@dimiwonders Wonda

Today AI Video stops being slop. Introducing Wondercraft Video, an AI video studio built for real work. Create explainer videos, trainings, product launches, ads, and more by describing what you want. RT and comment “WONDA” and I’ll DM you 1,000 free credits.

CAPL + DR FRAMEWORK CASH FLOW • Businesses • Dividend stocks APPRECIATION • Crypto: XRP, Bitcoin, WLFI, SOL, XLM, HBAR • Stocks: ABTC, XXI PROTECTION • Life insurance • Silver LEVERAGE • Family Bank via cash-value life insurance • Borrow against insurance to acquire cash-flowing and appreciating assets DE-RISK (DR) • Continuously adjust based on economic cycles and macro conditions • Take profits during expansion • Build a storehouse during abundance • Preserve capital during contraction CORE PRINCIPLE Money flows from the undisciplined to the disciplined. No emotion. No guessing. No saviors. System over feelings. Cycles over hype. GOD. Family. Protection of your ecosystem at all costs. Do your own research just being open on what I do. Not financial advice. What's your plan?

XRP has stood the test of time and cemented itself as one of crypto's preeminent and most liquid currencies. XRP's long standing utility meets Solana's high-performance execution.

Dodgers stun Blue Jays to win Game 7 of the World Series, a breakdown

This makes a lot of sense.

We’re bringing back Vine, but in AI form

So the U.S., a democracy, just attacked Iran without a vote or any input from Congress. Iran, an authoritarian regime, just held a debate and vote in parliament over whether to blockade the Strait of Hormuz.

BREAKING!!! @X updated it’s API last night lots of vine signs in there 👀 what’s next?

Bill Burr refuses the media bait: "You journalists need to get your balls back"

@LSH_lakeshow .. and on his MVP Bobblehead Night 🙌🙌🙌

Shohei Ohtani aura is incredible man Walks up to the plate, every single fan gets on their feet, first pitch and BAM, its gone Ohtani was made for the bright lights of the LA Dodgers

I have a message for @chrisparkX . He said he wanted crowd sourced feedback from X users . CC @rus @BPress1 Chris, here is a serious UX explanation detailing why the Lightning Bitcoin feature FAILED on Twitter and WHY integrating a hypothetical cryptocurrency like $Vine into the new X wallet could incentivize users to adopt crypto payments within the new X wallet you are about to launch. Which is essential to look into or it will fail just like the lightning bitcoin feature Jack added. When Jack introduced bitcoin payments there was a LACK of immediate incentive. For users already comfortable with traditional payment methods (e.g., PayPal or Cash App), the Lightning Bitcoin feature didn’t offer a compelling "why." Transaction fees were low, but Bitcoin’s volatility made it less practical for small transactions. The feature also didn’t integrate deeply into Twitter’s ecosystem (e.g., no gamification or rewards), so it felt like an add-on rather than a core part of the experience. Now why should we add $Vine to the soon to be released X Wallet? Think built-in incentives and rewards. To drive adoption, $Vine could tie into X’s social features. Users might earn $Vine for engaging with content (e.g., posting viral threads, gaining followers, or joining Spaces), creating a gamified loop that encourages both spending and earning. For instance, "Tip $Vine to this creator and get 10% back as a bonus" could nudge users to try crypto payments, offering a tangible benefit over fiat options. This reward system could make $Vine feel like a natural extension of X’s economy, not just a payment tool.

Probably nothing 😃 @RiskyGarden

@heyChristiano @krakenfx LFG!!

BREAKING: Vine’s product description has been released on the @krakenfx blog! 🤯👇 “Vine is a blockchain-based social and content creation platform designed for decentralized media ownership. It allows creators to tokenize their content, engage in direct monetization, and build community-driven ecosystems without reliance on traditional platforms. VINE enables fair revenue sharing and censorship-resistant content distribution.” $VINE WILL BE INTEGRATED!! SOURCE: blog.kraken.com/product/asset-…

When the $vine app is launched on X, the entire meme coin sector will shift radically. Traders have been yearning for devs building real products. We started to see this shift with ai coins. But now we have T1 tech founders launching coins in order to build communities to support new innovations. This is the new meta. And it is here to stay.