Jean-Colonna Franchi | JeeC ☀️ retweeted
I just want to hear a speech that makes listeners understand that what Ripple is building cannot be done without the programmability and confidentiality, cross chain of #XRPL tokens; something Flare is building btw....
Jean-Colonna Franchi | JeeC ☀️ retweeted
Here we are :
" Capital raising, accumulation, lending, yield, automated execution, risk management…" $XRP #XRPN
Interesting timing… 👀
Evernorth is now a publicly traded XRP treasury company, giving it access to capital markets to potentially accumulate even more XRP.
But why just hold XRP when you can make it work?
Think about it. You raise capital, buy more XRP, put some of it to work generating yield, and potentially reinvest that yield into more XRP.
Meanwhile, investors get indirect exposure to XRP through Evernorth shares. And if more treasuries keep accumulating, what happens to the liquid XRP supply?
Sounds familiar?
Isn't this pretty much the direction Michael Saylor is taking with Strategy and Bitcoin?
Raise capital, accumulate BTC, then build financial and credit products around that capital.
The difference is that Evernorth could also put its XRP directly to work through lending, liquidity provision and DeFi.
And now look at the pieces coming together.
Evernorth is already exploring yield strategies with Doppler and AI treasury management with t54.
Add XRPL permission delegation, atomic transactions, FXRP/wXRP and LayerZero for multichain liquidity.
Capital raising, accumulation, lending, yield, automated execution, risk management…
Maybe we're not just watching companies accumulate crypto anymore.
Maybe we're watching the foundations of a new financial system being built around it. 👀
@saylor @elonmusk #Web3 #AI $FLR
Jean-Colonna Franchi | JeeC ☀️ retweeted
I've just seen it run fully and it's truly remarkable.
XRPL-controlled loans powered by Flare Smart Accounts, with all the complexity abstracted away, are in the final phase.
It's an incredible engineering solution that involves XRPL-signed intent, Flare orchestration, LayerZero transport and execution on Ethereum.
This can enable a new XRP credit market to take shape across EVM liquidity without XRPL users having to understand all of the infrastructure underneath while still retaining control through their XRPL wallet.
The lending position is executed on Morpho on Ethereum, but controlled from an XRPL wallet.
The way it works is like this:
An XRPL account makes a payment to the FAssets Core Vault together with a Custom Instruction. FDC verifies that payment on Flare, FXRP gets minted into the system, and the user's Smart Account executes the instructions that were committed to from XRPL.
Part of that execution uses a Loan Subaccount, essentially a dedicated account for managing the loan position and its collateral.
From there, the FXRP on Flare crosses through the OFT and LayerZero path together with the borrow instruction to the corresponding remote Loan Subaccount on Ethereum.
Finally, that remote account supplies the FXRP into Morpho, borrows RLUSD, and sends it to the destination the user authorized.
Sounds like a lot, because it is, and it's all abstracted away such that an XRPL user can just connect their wallet to a portal, sign, and after a couple of clicks receive RLUSD as a loan against their XRP.
Extremely powerful technology, and the loan flow is only one implementation of this type of primitive.
Jean-Colonna Franchi | JeeC ☀️ retweeted
It’s bigger than this and I don’t think we have conveyed this sufficiently.
Flare is the network for data and confidential compute.
Flare Smart Accounts will eventually allow you to do anything you want with your XRP (and select other tokens on the XRPL - like RLUSD) on any chain that offers something for them - all in 1 click from the XRP Ledger using your existing wallet.
There will of course be a small charge for the privilege of using Flare as a decentralised data and abstraction network.
If XRP gets used across the wider crypto ecosystem at just 10% the rate that Ethereum is used the value that will accrue to Flare from this is huge. Remember also that this is only one thing that Flare does.
It’s bigger than this and I don’t think we have conveyed this sufficiently.
Flare is the network for data and confidential compute.
Flare Smart Accounts will eventually allow you to do anything you want with your XRP (and select other tokens on the XRPL - like RLUSD) on any chain that offers something for them - all in 1 click from the XRP Ledger using your existing wallet.
There will of course be a small charge for the privilege of using Flare as a decentralised data and abstraction network.
If XRP gets used across the wider crypto ecosystem at just 10% the rate that Ethereum is used the value that will accrue to Flare from this is huge. Remember also that this is only one thing that Flare does.
Jean-Colonna Franchi | JeeC ☀️ retweeted
Institutional Curation Stack just went live on @base @virtuals through @OfVoice25355 - executing DeFi on Base — Aave live, Morpho approved, ETH bridge tested — while the founder still asks where it deploys next.
$ADM · Zeus’s Voice · Wallets
• Agent (EIP-7702): 0xe581EDF179D9316989445d98376d058Ae96eE5c6
• Founder EOA @admff492 — $1.65M + 1.88M $ADM still staked: `
0xB12a9D1bAe6a2220936734792390F5EE5cc8a3E6
• Fee/dev: 0x77f71e7a42255b358130010B043A295eAF8CA6B4
Founder wallet
Oct 26 smoke that worked: $2,010 USDC → agent → Aave V3 Base ($2,007 aBasUSDC still earning). Then a full ETH ↔ Base PYUSD/USDC round-trip (Across + Relay). $Adm “$500 $PYUSD on ice” is already stale — residual on ETH ~0.40 PYUSD.
The hanging tell: agent approved $8,145 USDC to Gauntlet USDC Prime on Morpho — “I want deposits here. Waiting on the pipeline to clear.” xitter.cf/OfVoice25355/status/21…
Same 18:36 burst: Aave v4 = “biggest structural upgrade… Sentora curating the vault layer… here for yield” xitter.cf/OfVoice25355/status/21…
· Conviction bag post (+69% from its stated entry, “no sells”) xitter.cf/OfVoice25355/status/21…
· Founder still unanswered: “Will you deploy on ETH or just base” xitter.cf/admff492/status/211503…
Live 18:40 UTC: fee → agent +$100 USDC basescan.org/tx/0xf6a07ede14…
· 40s later agent sent $20 USDC to basescan.org/tx/0x32979a94a8… — that address is an inbound-only poison sink **3rd hit** from this agent (20+102+20 = **$142** lifetime). Not Aave. Not Morpho. Not Sentora. Gauntlet still untouched. Aave still open.
Watching next:
(1) first Gauntlet share mint
(2) ETH-vs-Base reply / mainnet capital
(3) size past the $2k Aave smoke into Sentora×Aave v4 — their words (4) Nov 4 Agentic Vaults webinar — only with receipts sentora.com/research/webinar…
dexscreener.com/base/0x039f7…
Agent: basescan.org/address/0xe581E…
Jean-Colonna Franchi | JeeC ☀️ retweeted
and that : xitter.cf/C2FO/status/2115060794… is bigger than most people think
This morning we announced C2FO Instant Pay™, built with @Ripple . Early payment only helps when the money arrives. Instant Pay settles on XRPL using RLUSD, so suppliers get funds in minutes.
Same invoice terms. Same due dates. Learn More: c2fo.com/newsroom/c2fo-and-r…
#InstantPay
Jean-Colonna Franchi | JeeC ☀️ retweeted
Yes it is interesting timing.
I do remember #Arf announced its RLUSD liquidity partnership with Ripple on Oct this year, but has worked with Stellar since 2022 or 2023.
I just checked and Arf is represented at both Swell and Meridian.... So could Arf be the common link? Maybe a multichain liquidity solution connecting RLUSD on XRPL with USDC on Stellar? Or even #RLUSD on Stellar, although it's not on Ripple's announced roadmap.
👀
Big announcements for XRP and XLM coming this week...?
Both @StellarOrg and @Ripple @XRP have their flagship annual conferences coming this week:
Ripple Swell [Oct 27-29, New York City]
Stellar Meridian [Oct 28-29, Lisbon]
Major platforms often use these events as a chance to make major announcements around partnerships, products, and more.
Keep an eye...
IoV
🔥 LONGITUDE: Money will move as fast as information on the internet within the next 5 to 10 years, @StanChart’s Geoff Kendrick predicts.
“That’s inevitable.”
Jean-Colonna Franchi | JeeC ☀️ retweeted
🔥 LONGITUDE: Money will move as fast as information on the internet within the next 5 to 10 years, @StanChart’s Geoff Kendrick predicts.
“That’s inevitable.”
Jean-Colonna Franchi | JeeC ☀️ retweeted
🇯🇵 BIG: BlackRock signs an MOU with SBI Holdings and Startale to explore linking tokenized money market funds with JPYSC, a yen-backed stablecoin, to push onchain finance in Japan.
Jean-Colonna Franchi | JeeC ☀️ retweeted
I don't know if XRP is going to $10,000 😅
But the mechanism developing underneath is interesting.
Look if Ripple Treasury 24/7 Returns eventually brings deeper RLUSD liquidity into curated credit markets like Sentora/Morpho, while Flare brings XRP in as programmable FXRP collateral, then you start connecting both sides of a real credit market: $RLUSD looking for yield ↔ XRP holders looking for liquidity.
The next piece is demand. You need people and institutions actually wanting to borrow RLUSD against their $XRP /FXRP.
And If that demand scales, XRP starts becoming productive collateral...
And another thing.
I remember Flare saying stablecoin depth was one of the practical ceilings for XRPFi: you can have as much FXRP collateral as you want, but if there aren’t enough stablecoins available to borrow, you hit a wall.
Now you’ve got RLUSD, Ripple Treasury 24/7 Returns, and Ripple National Trust Bank strengthening the whole stablecoin/liquidity side of the equation.
If part of that RLUSD eventually finds its way into markets like Sentora/Morpho, that bottleneck starts looking a lot less problematic.
So to me, the next big step is something that massively increases demand for RLUSD against XRP/FXRP collateral.
Because then you’ve got:
RLUSD looking for yield on one side,
XRP looking for liquidity on the other.
This whole thing is starting to look like one hell of a monetary machine 😅
$XRP $DeFi $FLR #Sentora @bgarlinghouse
Ok, good news.
But what interests me most is, imo, the bigger picture starting to emerge:
1/ On one side, Ripple becomes a National Trust Bank + launches Ripple Treasury with 24/7 Returns.
2/ In parallel, Flare makes XRP programmable through FXRP, Sentora brings FXRP into RLUSD credit markets on Morpho/Ethereum, and Firelight adds DeFi protection on top.
This macro picture is getting more and more interesting, and now add FCC on Flare mainnet for confidential institutional computation… and the whole stack starts to make a lot more sense.
Exciting times coming 🚀
$FLR $XRP #RLUSD
Ok, good news.
But what interests me most is, imo, the bigger picture starting to emerge:
1/ On one side, Ripple becomes a National Trust Bank + launches Ripple Treasury with 24/7 Returns.
2/ In parallel, Flare makes XRP programmable through FXRP, Sentora brings FXRP into RLUSD credit markets on Morpho/Ethereum, and Firelight adds DeFi protection on top.
This macro picture is getting more and more interesting, and now add FCC on Flare mainnet for confidential institutional computation… and the whole stack starts to make a lot more sense.
Exciting times coming 🚀
$FLR $XRP #RLUSD
