XRP & RLUSD JUST SUCCEEDED! SHE EXPOSED THE TRUTH ABOUT WHAT'S COMING!

Added: 2026-05-26

[00:00:00]walled gardens. This has been a term and a statement made around specific launches in the crypto space for a very long time since going all the way back to even 2019 when Facebook's Libra project was becoming a reality and even Ripple executives like Marcus Tree stated that it is a walled garden basically a closed system and I still feel like this is very important to understand even now because every single time that we get a launch from like a bank or even swift everyone's like oh that's that XRP got killed, XRP got replaced, XRP's done. Um, you know, it's dead in the water because nobody's going going to use it because of what Swift's doing. But I feel like if you really take a step back and realize like all these institutional players are leaning into public blockchains, they're doing that for a reason. And it's because a walled garden or a closed system is not going to be successful at all. And what I mean by that is we're going to need to have that connected to open systems. A closed system is not going to be successful just by itself. It's a it's a digital island essentially. So you need to build a bridge to it, which is why XRP is still very very critical to the the big plan here.

[00:01:19]Now, I bring this up because again, there's been so many times where the walled garden aspect got brought up.

[00:01:27]Like, this post is unavailable. This was originally from Ripple. Um, since then, it's been deleted. I forgot what this really was, but we have here from David Schwarz. The future of payments has never been walled Gardens. Pay ID is breaking down walls uh bit by bit, starting with these 40 players onward.

[00:01:45]And yeah, I mean payments like when we think about payments, when we think about this future financial system, you know, I hate the whole idea of like closed loop systems in general because like why are we adding more fragmentation to a system that we could essentially create a brand new openbased system? We don't need to have these walls up.

[00:02:07]Which is why I feel like interropability is such an important aspect around this new system. And it's also something that Monica Long back in April of last year stated as well when Ripple announced that it was acquiring Hidden Road. We have here that the fundamental ten tenants of what both Ripple and Hidden Road are trying to do are the same.

[00:02:26]Build better financial infrastructure for global movement of value than the walled gardens. Fragmented rails and monolithic entities of the past.

[00:02:35]Decentralized finance thus far has been primarily built for cryptonatives. Today we have a chance to break down those barriers because again walled gardens are simply not the future of finance.

[00:02:48]like we have a once in a-lifetime opportunity to completely rewire our financial system in an open way and that's why when like we see all these big moves like oh look back in November of 2025 JPMCoin is now out JP Morgan launches JPMCoin a blockchain based deposit token for institutional clients and you know this was originally launched on I believe Ethereum but I think that they also extended to even base uh which again they're you know public blockchains. It's great to see and you know that clearly confirms that like even these big players like JP Morgan they're launching these coins but they're not launching it on a private based network. No, they're doing it on open public blockchains because the walled gardens are simply going to fail.

[00:03:40]Even when we look at what's happening over in Europe, Euro stablecoin project gains backing of 37 banks. Again, you might be looking at this and saying like, "Oh, 37 banks, that's it. It's done for XRP." But again, it's a stable coin. Stable coins need bridges.

[00:03:56]Then we also go over here to Standard Chartered. April 10th, Standard Chartered back anchor point granted stable coin issuer license by Hong Kong Monetary Authority because they're about to launch their also owned stablecoin within the Hong Kong region.

[00:04:14]stable coin launches, they're not too concerning at all. Um, obviously I think that they reinforce the whole idea of bridge currencies anyways, which is also why like when we think about like what the side general forge, which by the way is a major bank, um, is doing with their euro based stable coin, which is now available on the XRP ledger, even on stellar as well. Um, it clearly shows us like this this new system is going to be completely open which also takes me back to this video clip which is Ripple says that banks need them more than ever with deep roots in reserves custody and crossber payments. The message is clear without interropability bank stable coins are just walled gardens JP Morgan City and HSBC can't scale alone and XRP could be the bridge that connects it all the trillion dollar media industry is starting to shift towards blockchain and yeah it definitely is. Check this out.

[00:05:01]Yeah, I mean we we need banks as an industry more than banks need us in some ways and so we have very strong relationships with lots of banks that help us from a transaction standpoint, from a reserve management standpoint, from a custody standpoint. We want to partner with them in their crossber payments businesses. So I think it's a very uh powerful partnership uh to be had whether or not to your point the banks want to actually go and issue a stable coin that gets into a broader interoperability. You know, does JP Morgan want to take the city coin? Does city want the HSBC coin? I mean, you can see how, you know, that would be challenging, but I think that there's a meaningful role to play for banks and and they're just, I think, in this transformative stage of trying to adapt to a new world order. I mean, basically digital assets, I think we're rewriting a new operating system for capital markets. And so, and that's exactly what this really is. It's a new world order.

[00:05:49]It's a completely rewiring of our financial system. And just like you said, like you have a lot of these banks launching these stable coins. They're like JP Morgan is not going to use city's stablecoin and vice versa. Uh which is also why like a lot of these players they're all ripplebased partners like even center chartered and uh you know forge like they're both major partners of Ripple which is why you're seeing like a lot of them kind of working together in unison.

[00:06:15]But this also goes back to what Caroline D. Fam recently um was talking about because she was talking about stable coins and pretty much the openness of money and how you know again we still have a ton of these walled gardens in place like we need to make sure that we are advancing beyond the whole idea of like closed loop systems because that's just simply not the future of finance which is why we go over here. Now this is from the global dollar network which they do have their stable coin as well.

[00:06:47]Uh she stated that the walled gardens of financial infrastructure are coming down. Again this is prior CFTC chairman Caroline D. Fam, head of institutional at Moon. Uh check this out.

[00:06:59]>> We are going to be moving to an open architecture for financial market and payment infrastructure. It's going to go from the walled gardens to something that is more open like open banking that took from the 90s until now to come into place. So when we have this open architecture, what does that mean?

[00:07:16]That's traditionless networks. We are going to be able to have financial institutions that are regulated that regulated trad.

[00:07:29]But it's going to be with KYC and AML and that's what Moonveay does. We exist right there and we've been doing it since 2019. So we know that it works.

[00:07:36]But this democratizes access because when you make it available through DeFi, anybody with a selfobial wallet can access it and this is going to allow people to have the financial inclusion, the opportunities for growth through capital markets. I think it's going to be really exciting >> and yeah, I mean it's going to be incredible because it's a fully open globalbased system. That's the only way that this actually succeeds. But she also stated on Fox Business, and this was actually a very great overall segment. It's about two minutes long. Uh this is from Darren Batello, and we have, "Can I actually use Bitcoin for day-to-day purchases?" Technically, yes.

[00:08:13]You could swipe a crypto debit card, but practically you'll end up paying capital gains tax on a cup of coffee. Also, let's not forget time to settle. Uh, nobody wants extra tax paperwork with their breakfast. That's where stable coins come in. Check this out.

[00:08:26]>> All right. Good afternoon, Dan. Like you said, the industry is betting big right now on stable coins. Each stable coin is backed by the dollar. I get asked the question all the time, when can I start using Bitcoin for everyday transactions like buying coffee at Starbucks? The answer is right now. You can actually use a debit card, but it's going to tap into your portfolio and you'll have to pay capital gains tax on that. I mean, I don't know about you, but I don't really want to tip into my portfolio every time I want to buy a cold brew. So, again, this is the answer from the industry.

[00:08:53]They're saying stable coin is the future. You don't have to pay those taxes or other fees associated with it.

[00:09:00]Check this out. So, Visa reports a stunning $6.2 trillion in stable coin volume. This is just in the last 30 days, so it's growing, but main street adoption is still climbing a mountain here. The Federal Reserve says just 10% of Americans actually use crypto in any form last year. And through Moon, a lot of people are using that. Chief Legal Officer Caroline Fam says most banking systems have blockchain technology already integrated into their regular use. You just don't even know it.

[00:09:29]>> People aren't even going to realize is that all of the payment rails whether it is banks, merchants, providers like Moonay, um other technology infrastructure, it is already switching over to blockchain technology. You don't even know because the experience for you is the same. You tap to pay or you swipe your card and it just works.

[00:09:52]>> All right. So, why even use this?

[00:09:53]Obviously, it's instantaneous transactions, but also industry experts say bypassing traditional credit card rails help cut fees out for the consumers and for businesses. Visa data shows total retail transactions over the last 12 months hit 74.2 billion. But critics warn stable coin really lacks the insurance that you would have with a regular traditional bank. Obviously, you're insured up to $250,000. Even with the Clarity Act, that wouldn't change when it comes to crypto. Dan, >> thank you so much. Darren Battello in Washington, Capitol Hill to be exact.

[00:10:29]>> And yeah, I mean, when we look at what's really happening here, stable coins are an absolute gamecher. It's great that we're starting to see them really kind of getting a lot of uh love on mainstream media. It kind of tells us that like this really is the future.

[00:10:43]Like this is the future of finance. It's the future of pretty much everything around us and it's only a matter of time until we really start to see that you know get hyper adopted and I do believe that Ripple is going to be the star of the show in a huge way and it kind of goes back to like Caroline Dam like the connections back to some of these players like Ripple has been working with Moonay for a while now going back to March Ripple was one of the 20 plus partners for open wallet standard on day one which by the way this is like a fully openbased system as well around like agentic finance. Um but another connection right back to Ripple with Caroline even when she was at the CFTC Ripple was being you know pretty much spotlighted as well in a big way around like integrating digital assets into regulated to rip's markets and things like that uh greater access capital efficiency. Also back in September of 2025 it's the golden age of America. The US is charting a new future for crypto adoption. Ripple, another main connection right back to Ripple here with Caroline also from the vault, December of uh last year again, Brad Garlinghouse, Caroline. Then we also go back to 2022, middle of the um you know SEC lawsuit. It's like September of 2022, Brad and Caroline together. She was learning around like what XRP and Ripple are doing with blockchain based technology. And uh yeah, I mean it's just so crazy to me that these connections are still very viable even today. But you know, we look at what's happening here and we look at what's happening with stable coins with XRP like XRP's use case here around stable coins is so strong. And it's because even when we go over here like from vision to realization tokenizing real estate on the XRP ledger like even within this you have what began with private ledgers and siloed experiments has matured into public interropable networks. institutions are no longer building the same old gardens with new tools. They're redesigning the market model altogether because public blockchains are the key. like anything that we're seeing with institutional players like in terms of like the private side or the uh offchain side that's all coming to you know public blockchains onchain that's going to happen because the closed loop systems and the private ledgers and the offchain moves that's all a thing of the past and even over here October 15th of last year crypto entropy why global rectory convergence is key to stablecoin fungeability even when it comes back to stable coins We still look at walled gardens. We have here regatory harmonization is the biggest barrier and opportunity.

[00:13:17]Inconsistent roles and def definitions across jurisdictions are the primary obstacle to global adoption creating walled gardens that limit fungeability because even regatory fragmentation is also another big issue. So we need that interropability between all the networks in the space. You know bridges being built XRP being a bridge between most stable coins as well within you know Ripple payments. Uh and then also regatory harmonization and then even down here interropability is the missing piece. If regulatory alignment is the strategic foundation, interropability is its essential technical counterpart. So a key theme in the report has identified this as a decisive factor that will determine whether stable coins create a seamless global uh system or a collection of walled gardens. Because again, you look at stable coins, stable coins obviously getting adopted in a big way. It's great to see, but without interropability between all these different fiat currencies, like you're not going to see them succeed. Yes, Ripple has created an interoperability system utilizing the XRP ledger and XRP in a big way because XRP is that bridge currency between any two different fiat currencies, but interoperability is still going to be a big game changer for all of this to really kind of become a reality. But it goes back to like the original view from Ripple anyways.

[00:14:32]Ripple to solve that walled garden aspect. They pushed XRP in a big way and it's still very important today even with stable coins and you know what's happening with infrastructure as well.

[00:14:42]Uh and every single step of the way you see Ripple stating like listen we are moving beyond world gardens like that's a thing of the past. it's done. Which is also why you are starting to see institutional players leaning in like JP Morgan and you know all these other big banks jumping into like the public blockchain side. Like we're now starting to see that become a big deal even like today. Like it's happening now. It's no longer like a oh I wonder if they're going to do this. No, they're doing it now. Uh so it's awesome to see. And of course Caroline fam uh really kind of confirming that is uh a big key aspect of what's what's still left to hit this market in a big way. And you know, I love mainstream adop mainstream media really kind of pushing adoption of uh stable coins because that's, you know, something that you wouldn't really expect, but the entire market is changing in a in a very positive way.

[00:15:29]So, with that being said, I hope that you guys enjoyed this video. If you guys did like, subscribe, notifications on because more free content. You guys are more than follow me on Twitter and join the free discord in the description below. And with that being said, guys, Nick, thanks for watching. Peace out, guys.