Pessimists sound smart, optimists make money | Founder @Lithionxyz
Joined January 2021
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🌐 #HTTP the standard for moving information across the internet… was donated to consortium called #W3C
Guess what else was donated to the #W3C? 😳
The #InterledgerProtocol – the standard for moving value, developed by @Ripple
Because the #ILP doesn't have its own native token, it relies on bridge assets to settle the actual value crossing these different networks. The #XRPL’s native asset - $XRP is used as the highly efficient bridge asset to instantly settle cross-border liquidity in conjunction with the #ILP
Not only did @Ripple donate the #ILP…
They now co-chair the #W3C Web Payments Working Group (writing the rules for how value moves across the globe)
$XRP is a universal payment layer that connects directly to #HTTP – meaning it can be used by every browser on earth the same way #HTTP can.
Now connect the dots… 🧩
@Ripple is in HIGH-Level working groups, designing the future of value transfer for:
✅ @BIS_org (Project Agora)
✅ IMF (High-Level Advisory Group on Fintech)
✅ @federalreserve (Faster Payments Council)
✅ W3C (Web Payments Working Group)
✅ @The_DTCC (Tokenisation Working Group)
How can you NOT see what’s happening here…??
$XRP is being positioned as the next GLOBALLY used protocol – similar to what #HTTPS did for information, but for value transfer…
The LARGEST Securities Settlement system on EARTH ($4.7 QUADRILLION/YR) JUST VALIDATED THE $XRP THESIS 👀‼️
@The_DTCC in their latest report:
“Without interoperability, assets remain trapped in isolated pools… market participants need rails that are safe, neutral and offer a high degree of reliability”
#ILP and $XRP were built for exactly this, a decade ago.
🧩 Now connect the dots:
2025: @The_DTCC patent US20250078162A1 is published after 18 months under confidentiality → meaning @The_DTCC was designing around the #XRPL as a cross-ledger liquidity network back in 2023.
Mar 2026: @Ripple Prime goes live in @The_DTCC NCSS clearing directory.
May 2026: @Ripple Prime joins the DTCC’s tokenization working group to design their tokenisation service to bring $114 Trillion in assets on-chain.
Watch the video below to the end. Then watch it again. These are NOT coincidences…👀
Credit @24hrscrypto1 for 🎞️
Tom retweeted
NEW: @Uber used a public blockchain to invest its corporate cash over a weekend, capturing higher returns than it would have with markets closed, per @business.
It was a test with @HSBC tokenized deposits and a @FranklnTempletn tokenized money market fund.
This isn't Uber's first foray into the tech, as it was a part of Meta's Diem stablecoin project, which never launched, and it has looked at using stablecoins for payments to cut currency costs.
At a high level, it's one of many pilots as Wall Street tests tokenized securities, cash and bonds. About 40 firms recently traded stocks and Treasuries, posted collateral and met margin calls in another test, Bloomberg reported.
Still, only about $40B in assets has been tokenized to date per @RWA_xyz, which is a small fraction compared with traditional markets.
Tom retweeted
The Binance hacker is actively swapping stablecoins into native assets like ETH to avoid control and freezing of funds, because native assets are neutral.
In other words the Binance hacker knows more about the advantages of native assets than all the people telling me RLUSD will replace XRP.
Tom retweeted
the binance hacker just did something genius and it should scare you
tether froze $1.5 billion in stolen USDT. circle froze $800 million in USDC. everyone's celebrating like the problem is solved
meanwhile the hacker deposited the stolen USDT on aave, borrowed ETH against it, and walked away. because USDT can be frozen. ETH can't
he's never paying it back. he doesn't need to
tether and circle just proved they can freeze billions in seconds. and the hacker just proved that if you know how defi actually works, none of that matters
the freeze saved some of the money. but the smartest money was already gone before anyone pressed the button
Tom retweeted
So, here’s what happened: Binance hot wallets were drained of $5.60B today across Ethereum, Bitcoin and Tron.
$200m were transferred few minutes ago, so hack is still ongoing
Here is what is on-chain rn: what is frozen vs not, and the addresses to watch.
➮ Totals
✧ $5.60B pulled from Binance hot wallets
✧ 3 chains: Ethereum, Bitcoin, Tron
✧ 67 assets, 63 of them swept out of Binance 14 in a single tx
✧ Attack vector not confirmed at time of writing
➮ Frozen so far: $2.38B
✧ $1.56B USDT frozen by @Tether_to: $1.18B on Ethereum + $379M on Tron
✧ $823M USDC frozen by @circle
✧ Thats ~42% of the haul neutralized within the day
➮ Not frozen: ~$2.6B
✧ 18,270 $BTC ($1.45B) - nobody can freeze this
✧ 197K $ETH ($451M) - same
✧ ~$730M USDT still unfrozen, Tether can still act on it
✧ Rest: $TRX ($234M), $RLUSD ($88.5M), $WBETH ($75M), $XAUT ($50M) and a tail of smaller tokens
➮ Addresses to watch (paste into etherscan / mempool / tronscan)
Ethereum, attacker main, holds the frozen USDT + USDC:
0x5227f603c1ee34ce3c06efe6477003bdfccb2f8c
Ethereum, 195,460 ETH parked here:
0x8532fa14acaf483729c449b8458aeddb900543d4
Main sweep tx, 63 tokens out of Binance 14:
0x53bd38b816c23e74134786c29a8c18d792777998a3b9326047b583100e88e2f3
Bitcoin, 18,270 BTC received:
bc1q0mtc2f5agpkvlq6hhahmfr3hlr55kyfjhl2mnm
Tron, 612.7M USDT received, 313M of it frozen:
TG5iBMQPrDzJJAUM8GMVBf1hRaJ1wvzsGi
Tron, 216M USDT, not frozen:
TSUUVjysXV8YqHytSNjfkNXnnB49QDvZpx
➮ Context
✧ Previous record: Bybit, Feb 2025, $1.5B in ETH. This is ~3.8x that
✧ Binance 2019 hack: ~7,000 BTC, ~$40M, covered by SAFU
✧ Binance 2022 BNB bridge: ~$570M, most of it frozen by validators within hours
✧ Moreover, SAFU fund was ~$1B at last disclosure. This hack is 5x+ that, so the coverage question is Binance balance sheet, not SAFU
➮ What matters next
1/ Whether Tether freezes the remaining ~$730M USDT, and whether Ripple does the same with $88.5M RLUSD
2/ First outbound hops from the BTC and ETH addresses, bridges or mixers. Until then $1.9B is just sitting there
3/ Binance withdrawal status and an official statement on how 63 tokens got signed out of Binance 14
4/ Whether this follows Bybit pattern: that money went through THORChain within days, same route would show up fast here
Will update as the addresses move.
Tom retweeted
The entire infrastructure of Payments, Custody, Treasury and Prime is now constructed to live on top of the XRP Ledger, utilizing XRP itself as the core asset.
Ripple Swell 2026
We are deeply honored to announce @crossriverbank’s partnership with SBI Holdings and our plan to build a joint venture in Japan.
Kitao-san founded SBI in 1999 and built it into one of Japan’s most remarkable financial groups, a true pioneer of internet finance. It is a privilege to build alongside him. With JPYSC, Japan’s first trust-type yen stablecoin, SBI is leading the way once again.
Together, we look forward to advancing financial inclusion across Japan and Asia-Pacific, starting with cross-border payments, agentic finance and onchain solutions.
Our sincere thanks to Kitao-san and the SBI team for their trust and partnership, and to Pravesh Rijal, Benjamin Samuels, Daniel Listhaus, Hasan Nawaz, Benjamin Melnicki and Arlen Gelbard for making this happen.
crossriver.com/newsroom/noti…
Tom retweeted
Love @bgarlinghouse's response here; wise, responsible, and transparent: Use #XRP wherever possible as it's in Ripple's best interest. People do not appreciate how large the pie is that XRP can participate in, even if not everywhere. This is great, @BankXRP , thanks!
Caught up with @Ripple CEO Brad Garlinghouse and David Schwartz at Ripple #Swell to talk the future of @Ripple, institutional utility, and the path ahead for #XRP.
Brad breaks down why 2026 has been a massive year for transaction volume growth, and David Schwartz shares his vision on mass retail adoption and where we're heading next.
On-demand liquidity with $XRP
Marcus Treacher explains how $XRP can act as a bridge currency between markets.
His background:
11 years at @HSBC, as Global Head of Innovation, Payments & Transaction Banking.
10 years at @Citi
Board member at SWIFT
Later, SVP at @Ripple
Tom retweeted
BREAKING: 🇺🇸 Google is launching a new security system to help banks and institutions protect their crypto from hackers.
Tom retweeted
JUST IN: Google unveils new security system to help banks safely store and transfer cryptocurrencies and tokenized assets.
🇸🇬 NEW: @DBSbank, @FranklnTempletn and @Ripple are building institutional liquidity infrastructure using Ripple Custody, $RLUSD and the $XRP Ledger 👀 🎯
The arrangement will enable institutional investors to trade #RLUSD directly against @FranklnTempletn tokenised money market fund, BENJI, through DBS Digital Exchange, targeting 24/7 liquidity and near-instant settlement instead of T+2.
@Ripple Custody technology underpins DBS's institutional custody infrastructure, while $XRPL trust lines authorise $RLUSD transactions and permissioning controls restrict BENJI access to eligible participants.
Ripple also #RLUSD liquidity and fiat on/off-ramps, with BENJI issued on both Ethereum and $XRPL
One of Asia's largest banks is integrating Ripple's custody, stablecoin and blockchain infrastructure into institutional capital markets.
This is how traditional finance moves on-chain $XRP
Tom retweeted
Big partnerships call for big ambitions! We're bringing the full power of Ripple’s blockchain infrastructure to @RobinhoodApp, one of the industry's largest retail and institutional trading platforms. From $RLUSD settlement on the @XRP Ledger to prime brokerage and treasury operations, this is our end-to-end strategy in action. 🚀
Ripple is officially going under the hood. 👀
We're expanding our partnership with @RobinhoodApp across $RLUSD, Ripple Prime and Ripple Treasury, bringing together stablecoins, prime brokerage and treasury management to support both customer-facing services and core financial operations.
Together, we're bridging traditional and digital.
on.ripple.com/3WPPHEH
