In 2019 I sat in a closed meeting in London that I will never forget. It was held in a private consultation room at the Bank of England’s Threadneedle Street complex. Present were senior representatives from Barclays, Santander, Deutsche Bank, BNP Paribas, and a policy advisor from the ECB’s Directorate General for Market Infrastructure. Ripple’s institutional strategy team was also in attendance. The discussion focused on the future of euro liquidity, settlement fragmentation, and the long term viability of cross border clearing within Europe. A confidential briefing pack circulated during the session outlined a proposed framework that, at the time, was considered highly strategic. The document stated that Ripple intended to introduce a euro backed stablecoin designed to operate as a programmable settlement instrument within the European financial system. The proposed model did not resemble retail stablecoins. It was positioned as an institutional utility, fully collateralised, with mandatory visibility for central bank supervisory functions. The idea was simple yet transformative. Create a euro denominated digital settlement asset that could interact directly with the XRP Ledger and achieve near instant cross border finality across the SEPA network. Deutsche Bank’s treasury team examined the liquidity compression benefits. Barclays evaluated the impact on intraday funding and collateral cycles. BNP Paribas highlighted how this instrument could reduce their dependency on nostro positions across central European corridors. The ECB representative focused on interoperability with TIPS, TARGET2, and future wholesale digital currency frameworks. The economic modelling was extraordinary. Reduced counterparty exposure. Reduced capital drag. Near zero operational float. Real time reconciliation across correspondent flows. A unified settlement layer for both institutional and commercial transactions. The final remark from the ECB advisor has stayed with me ever since. If a euro backed digital instrument achieves compliance alignment and harmonises with supervisory architecture, it becomes the de facto European standard by default. Not by mandate but by efficiency. That meeting was a rare moment of clarity. Europe understood the direction of travel long before the public did. Ripple understood it as well.

Former Special Agent reveals the 3 types of people to watch out for ‼️‼️

Evernorth Holdings Inc. (Nasdaq: XRPN) Executive Summary — $52.2 Million Committed Equity Financing Facility Transaction Date: October 23, 2026

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Always happy to work with @DigitalChamber and this letter was particularly important. We wanted to give the Commission a practical view of how the proposal would affect the industry and offer changes that would make the exemptions more useful. A central concern is ensuring that the safe harbor provides a workable path for tokens that were actually part of an investment contract, without becoming the de facto process for obtaining SEC clearance for every token. We also focused on reducing uncertainty around Form TR and protecting secondary trading while networks are still developing. Although the proposal preserves an independent analysis outside the safe harbor, uncertainty could make Form TR a practical prerequisite to listing and trading. That creates a circular problem because networks need token circulation to attract users, support service providers, and achieve widespread adoption, but restricted trading could prevent them from reaching the point at which they can achieve functionality, fulfill their promises, and file the form TR.

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