bd82 (@bd82) profile picture

True liquidity is real-time settlements and payments.

Joined April 2008
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bd82 retweeted
Ethereum fails to meet the ISO 20022 standard.๐Ÿ™‡โ€โ™‚๏ธ
โ€ผ๏ธ ETHEREUM FACES GROWING CONCERNS AS TOKEN STANDARDS FALL SHORT OF ISO 20022 COMPLIANCE NEEDED FOR INSTITUTIONAL ADOPTIONโ€ผ๏ธ โ€œโ€ฆexisting Ethereum token standards fail to meet key regulatory requirements, such as ISO 20022 compliance, which is critical for institutional payment adoption.โ€๐Ÿ˜ถโ€๐ŸŒซ๏ธ Documented.๐Ÿ“๐Ÿ‘‡
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bd82 retweeted
$1000 XRP vs. $1 XRP I'm struggling to understand a concept. My friend, one of the world's biggest XRP fans, tried to explain to me that in order for XRP to play a role in global cross-border payments, such as the Federal Reserve's related projects, and all the businesses that Ripple wants to develop, the price of each token must reach $1,000 (or any other higher price). A price below $1000 won't work. Market capitalization doesn't matter, liquidity is key. If each token is only priced at $1, liquidity won't function like it would at $1000. That's why he's so convinced the price must be high, because a price that's too low simply won't work. Has anyone heard of this? Could you explain it to me in simple terms, as if I were an 83 year old? I've tried to get him to explain it to me twice, but for some reason, I just can't understand it.
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X. R. P. the Standard. ๐Ÿ‘ˆ๐Ÿผ
$XRP sets the standard for scalability at 1,500 transactions per second. #XRPtheStandard #undisputed
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We all hope that The Clarity Act passes in September but @SenWarren is working overtime to stop it. @EdMarkey is her puppet and votes as he's told. We need to elect @JohnEDeaton1 @DeatonforSenate to get her puppet's gauranteed NO vote out. Everyone please donate to johndeatonforsenate.com/ It's time for the big boys in crypto to step up to the plate and show their support for John as well: @elonmusk @brian_armstrong @novogratz @Scaramucci @coinbase @kraken @jespow @a16z @pmarca @bgarlinghouse @MetaLawMan @bhorowitz @chrislarsensf @Tyler @cameron @standwithcrypto @america
๐Ÿค– Made with AI
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My dad called Claude โ€œa toy for people who canโ€™t trade.โ€ Heโ€™s been trading for 20 years. I didnโ€™t argue. I just turned the monitor toward him. He read the results twice. โ€œโ€ฆThat canโ€™t be right.โ€ 27 days. $200 โ†’ $25,400. 74% win rate. Sharpe 2.47. While 92% of traders lose money, a tiny fraction quietly extracts millions. Then I showed him why. 86M+ Polymarket trades analyzed. Every wallet. Every entry. Every exit. One Claude prompt: โ€œFind every wallet with 100+ trades and a win rate above 70%. Rank them by profit.โ€ 14,000 wallets scanned. 47 elite wallets found. The top 20 earned more than the other 13,000 combined. He looked at me and said: โ€œThatโ€™s not data. Thatโ€™s a treasure map.โ€ But that wasnโ€™t the real edge. Three independent AI agents vote on every trade. โœ… 2 agree โ†’ Full position โš ๏ธ 1 agrees โ†’ Half position โŒ No consensus โ†’ No trade That one rule eliminated nearly 40% of losing trades. Another AI watches for fresh smart wallets entering low-liquidity markets before everyone else notices. One wallet grew $35K into $442K. 73 live dashboards handle everything: โ€ข Whale tracking โ€ข Insider detection โ€ข Wallet clustering โ€ข Signal scoring โ€ข Arbitrage opportunities โ€ข Smart money monitoring No emotions. No guessing. Just data and execution. Then he asked: โ€œHow much does this cost?โ€ โ€œAbout $25/month.โ€ Silence. โ€œIโ€™ve been paying analysts six figures to do half of this.โ€ The crazy part? The tools are public. Most people still think AI is just for writing emails. Meanwhile, others are quietly using it to build an edge. ๐ŸŽ Iโ€™m putting together the exact AI trading stack, prompts, and workflow behind this. Like + Repost + Comment โ€œAIโ€ and Iโ€™ll DM it to you. Follow @marryevan999 for More.
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๐ŸŒ Is the U.S. CLARITY Act being left behind?๐Ÿคจ While Washington debates, the world is moving. ๐Ÿ‡ช๐Ÿ‡บ EU MiCA 27-state passporting license for CASPs, token issuers, stablecoins, reserves, disclosures, market integrity, and AML. Full enforcement is now reshaping who can legally serve EU clients. ๐Ÿ‡น๐Ÿ‡ผ Taiwan VASA Licensing for 7 VASP categories: exchanges, custodians, stablecoin issuers, brokers, dealers, advisory, and platforms. Requires client asset segregation, cybersecurity, AML, stablecoin reserves, FSC oversight, and criminal penalties for fraud. ๐Ÿ‡ญ๐Ÿ‡ฐ Hong Kong VATP VATP licensing plus stablecoin rules under HKMA/SFC oversight. Focus: custody, trading, advisory, stablecoins, capital requirements, and institutional-grade compliance. ๐Ÿ‡ฆ๐Ÿ‡ช Dubai VARA One of the clearest digital asset frameworks globally: licensing, custody, exchanges, brokers, lending, payments, issuance, marketing, and compliance under a dedicated crypto regulator. ๐Ÿ‡ฌ๐Ÿ‡ง United Kingdom FCA authorization framework expanding toward trading, custody, staking, and stablecoins. Full regime expected by 2027 with consumer protection and market integrity at the center. ๐Ÿ‡บ๐Ÿ‡ธ United States CLARITY Act Still pending. It aims to divide jurisdiction between the CFTC and SEC, define digital commodities, regulate blockchain-linked assets, and give builders clearer rules. The contrast is clear: Europe built a passport. Taiwan built a licensing wall. Hong Kong built a compliant bridge to Asia. Dubai built a crypto-native regulator. The UK is building a principles-based regime. The U.S. is still arguing over who gets authority. The question is no longer whether crypto will be regulated. The question is: Will the U.S. lead the digital asset economy ... or regulate it after the rest of the world already built the rails? #CryptoRegulation #CLARITYAct #MiCA #VARA #HongKong #Taiwan #Stablecoins #Tokenization
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๐ŸšจDavid Schwartz says $XRP no longer NEEDS banks to survive.
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Replying to @bgarlinghouse
@bgarlinghouse Bitcoin never solved payments it became digital gold instead. ๐Ÿ‘€ That payments gap never closed. And $XRP was built specifically for it. The use case BTC walked away from is exactly where XRP plays.
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bd82 retweeted
๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฌ: @SECGov sues @Ripple โ€ผ๏ธ Billions wiped from the market. Exchanges rush to delist $XRP. Fear, uncertainty, and panic grip the community as the price collapses and many declare @Ripple finished ๐Ÿ˜ฑ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ: @Ripple has 75+ licenses worldwide, including a New York Trust Charter from @NYDFS - widely regarded as one of the most difficult financial licenses to obtain in the world. Regulation by @TheFCA, a full EU EMI license under MiCA, an @USOCC conditional approval for Ripple National Trust Bank, and a @federalreserve master account application pending - with Trumpโ€™s new EO directing the Fed to open its payment rails to crypto firms. #RLUSD from $0 to $1.5B+ in a year - with reserves custodied by @BNYglobal โ€“ the bank safeguarding $57 trillion in assets. Nearly $3B in acquisitions: @HiddenRoadHQ, clearing $3 trillion a year for 300+ institutions. @GTreasury, handling $12.5 trillion in payment volume for Fortune 500s. Rail, processing 10% of global B2B stablecoin flows. Inside @The_DTCC, Tokenisation working group designing the standards for the entity settling $4.7 QUADRILLION a year. Powering @Mastercard AI agent payments via #XRPL and #RLUSD. The Clarity Act is now on the Senate floor with a July 4th signing target setting the stage for regulatory clarity at the highest level. Capping it all off with a $50B valuation ๐Ÿ˜ From fear, lawsuits, delistings, and multiple market crashesโ€ฆ to securing one of the worldโ€™s most difficult financial licenses, National Trust Bank approval, and becoming one of the most strategically positioned companies in global finance. @bgarlinghouse well done ๐Ÿ‘๐Ÿฝ
๐Ÿค– Made with AI
So youโ€™re telling me the guy in the video below sued @Ripple for 4 years. Ended up losingโ€ฆ giving $XRP full legal clarity. And then 11 months laterโ€ฆ @Ripple partners with the @The_DTCC (who process $4 Quadrillion a year) to launch tokenisation pilots (starting July) and they explicitly have a patent that uses $XRP as a bridge currency for liquidity?
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Brad Garlinghouse, CEO of Ripple, just went scorched earth on Dimon and JP Morgan Chase. ๐Ÿ”ฅ๐Ÿ”ฅ๐Ÿš€
Brad Garlinghouse isn't holding back. ๐Ÿšจ The Ripple CEO just went on Fox Business to call out Jamie Dimonโ€™s pushback on crypto regulation as an "intentional misrepresentation." โ€œ$13 TRILLION in legacy volume, 0% on-chain... yet. ๐Ÿ‘€โ€ "Stablecoins are the ChatGPT moment of finance." ๐Ÿ’ฅ He revealed Ripple Treasury handled a massive $13 TRILLION in legacy payments last year and explained why that multi-trillion dollar gap is the ultimate crypto opportunity. The tides have officially changed. ๐Ÿ‘‡
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#CLARITY Act built for traders or built for institutions? Garlinghouse just answered it: the real unlock isn't retail. it's CFOs, treasurers, and bank execs who've been sitting on the sidelines fearing regulatory attacks. Ripple already serves banks, payment providers, and corporates. clarity doesn't create that demand it releases it.
JUST IN: Sen. Tim Scott pushes for Senate vote on CLARITY Act on Fox Business, says U.S. needs clear digital asset framework to keep crypto innovation onshore. the industry wants this voted on before summer recess โณ
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$XRP has been recognized in @FortuneMagazineโ€™s inaugural #FortuneCrypto100, a ranking of the most influential projects shaping the future of blockchain. A testament to the technology, builders, businesses, and global community driving innovation across the XRP Ledger ecosystem.
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Brad Garlinghouse isn't holding back. ๐Ÿšจ The Ripple CEO just went on Fox Business to call out Jamie Dimonโ€™s pushback on crypto regulation as an "intentional misrepresentation." โ€œ$13 TRILLION in legacy volume, 0% on-chain... yet. ๐Ÿ‘€โ€ "Stablecoins are the ChatGPT moment of finance." ๐Ÿ’ฅ He revealed Ripple Treasury handled a massive $13 TRILLION in legacy payments last year and explained why that multi-trillion dollar gap is the ultimate crypto opportunity. The tides have officially changed. ๐Ÿ‘‡
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HUGE for the ripple:native Ledger and the future of global finance! ๐Ÿš€ The announcement that @Ripple and @Bitso are launching the MXNB Mexican peso stablecoin natively on the XRPL alongside $RLUSD is an absolute game-changer. This isn't just about the U.S.โ€“Mexico corridor; it is a masterclass blueprint for how the rest of Latin America adopts blockchain.
NEW: @Ripple and @Bitso bring a peso-backed stablecoin to the XRP Ledger, adding regulated Mexican peso liquidity alongside $RLUSD to target cross-border payments in the U.S.โ€“Mexico corridor.
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7์›” 1์ผ๋ถ€ํ„ฐ ๋ฏธ์นด๋ฒ•์ด ์‹œํ–‰๋œ๋‹ค. ๋น„ํŠธ์ฝ”์ธ๊ณผ ์ด๋”๋ฆฌ์›€์€ ๋ฐœํ–‰์ž๊ฐ€ ์—†๋‹ค๋Š” ์ด์œ ๋กœ ํ•ต์‹ฌ ๊ทœ์ œ์—์„œ ์ œ์™ธ๋๋‹ค. ๋ฏธ์นด๊ฐ€ ์„ ํƒํ•œ ์ฝ”์ธ์€ USDC. EURC. ๊ธฐ๊ด€์ด ๋ฐœํ–‰ํ•˜๊ณ  ๊ธฐ๊ด€์ด ์ฑ…์ž„์ง€๋Š” ์Šคํ…Œ์ด๋ธ”์ฝ”์ธ์ด๋‹ค. ๊ทธ ์Šคํ…Œ์ด๋ธ”์ฝ”์ธ์ด ๋‹ฌ๋ฆฌ๋Š” ๋ ˆ์ผ์€ ๊ทœ์ œ๊ฐ€ ์™„๋น„๋œ ๋ ˆ์ผ์ด์–ด์•ผ ํ•œ๋‹ค. ์˜ค๋žซ๋™์•ˆ ๋ฌธ์ œ๊ฐ€ ์—†๋Š” ๋ ˆ์ผ์ด์–ด์•ผ ํ•œ๋‹ค. ์ด๋ฏธ USDC์™€ EURC๊ฐ€ ์˜ฌ๋ผ๊ฐ€ ์žˆ๋Š” ๋ ˆ์ผ์ด ์žˆ๋‹ค. XRP ๋ ˆ์ €์™€ ์Šคํ…”๋ผ๋‹ค. ํƒˆ์ค‘์•™ํ™”๋ฅผ ์™ธ์น˜์ง€๋งŒ ์ œ๋„๊ฐ€ ์„ ํƒํ•œ ๊ฑด ์ค‘์•™ํ™”๋‹ค. ๊ทธ๋ฆฌ๊ณ  ๊ทธ ์ค‘์•™ํ™”๊ฐ€ ๋‹ฌ๋ฆฌ๋Š” ๊ธธ์€ 10๋…„ ์ „๋ถ€ํ„ฐ ๊น”๋ ค์žˆ์—ˆ๋‹ค.
์‹œ์Šคํ…œ์„ ๋ถ€์ˆ˜๋ ค๊ณ  ๋งŒ๋“  ์ฝ”์ธ๋“ค์ด ์žˆ๋‹ค. ์‹œ์Šคํ…œ ์•ˆ์œผ๋กœ ๋“ค์–ด์˜ค๋„๋ก ๋งŒ๋“  ์ฝ”์ธ๋„ ์žˆ๋‹ค. ADB ๊ณต์‹ ๋ฌธ์„œ๊ฐ€ ๊ตฌ๋ถ„ํ–ˆ๋‹ค. ๋น„ํŠธ์ฝ”์ธ๊ณผ ์ด๋”๋ฆฌ์›€์€ ๋ฐ–. XRP๋Š” ์•ˆ. ๋ฐ–์ด๋ž€ โ€” ๊ธฐ์กด ๊ธˆ์œต์ด ํ†ต์ œํ•  ์ˆ˜ ์—†๋Š” ์˜์—ญ. ์•ˆ์ด๋ž€ โ€” ์ค‘์•™์€ํ–‰, ๊ฒฐ์ œ๋ง, ๊ธˆ์œต๊ธฐ๊ด€์ด ์‹ค์ œ๋กœ ์“ธ ์ˆ˜ ์žˆ๋Š” ๋ ˆ์ผ. ํƒˆ์ค‘์•™ํ™”๋ฅผ ์™ธ์น˜์ง€๋งŒ ๊ธฐ๊ด€์˜ ์„ ํƒ์€ ์ค‘์•™ํ™”๋œ ์ฝ”์ธ์ด๋‹ค.
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My biggest XRP supporter friend keeps telling me that for XRP to be used at scale in global cross-border payments (Fed-related projects, Ripple's enterprise ambitions, etc.), each XRP token would need to be worth around $1,000 or more. His argument: market cap doesn't matterโ€”liquidity does. At $1 per XRP, the system supposedly wouldn't have enough liquidity to move the volume of money Ripple envisions, but at $1,000+ it could. I've heard this claim multiple times, but I still don't fully understand it. Can someone explain this in simple terms? Is there any truth to the idea that XRP must have a very high price per token for large-scale settlement to work?
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GOD BLESS YOU SIR ๐Ÿซต๐Ÿป๐Ÿซก My respect 96 years . ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ AMERICAN MADE . The GOAT !! Clint Eastwood Said Something About Getting Old That Stopped Me Cold. Aging is not gentle. You are still here. Still present. Still watching the world move. But the body that carried you through everything - the wars, the work, the wildness of youth - begins to ask for more than you can give it. Joints that never complained now speak up in the morning. Eyes that once took in everything now flinch at the light. Breathing, which never required a single thought, starts needing little pauses. But none of that is the hardest part. The hardest part is the quiet. At a certain age, you reach for the phone and remember there is no one left to call. The people who knew you when you were young - who remembered the same summers, the same streets, the same faces - are gone. One by one, then all at once, until the memories you carry have no one left to share them with. So you tell the stories anyway. To whoever will listen. With a little more color than perhaps the truth deserves. With a touch of pride you've earned and a grief you don't always name. You know the person across from you wasn't there. You know they can't quite feel it the way you do. But you tell them. Because the telling is the holding on. Those stories are not just memories. They are the proof that a life was lived. That people were loved. That things mattered. And if no one asks for them - you offer them anyway, quietly, like setting something down on a table and hoping someone picks it up. Old age is not simply what happens to a face or a body. It is memory looking for a place to rest. And what an older person needs - more than advice, more than solutions, more than someone telling them how to feel - is simply someone willing to sit down, be still, and listen. Not to fix anything. Just to be there. That is the whole gift. And it costs nothing. ~Wild Whispers .
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