XRP: He Quit Ripple... TO BUILD ON XRP

Added: 2026-06-03

[00:00:00]Hello, this is Matt on the Moon Lambo channel. A Ripple employee who had worked at the company for about seven and a half years decided to just up and quit. So, what's going on here? Did something go disastrously wrong? Not at all, actually. As it turns out, he decided to quit his job. He's leaving Ripple so that he can build something on the XRP ledger, which absolutely increases XRP utility. So, I do want to say at the outset, um, this this video is not an endorsement of this particular project. Um, I' I've just learned about and I want to share what I know because I find it genuinely fascinating and because it absolutely without question does increase the utility for XRP itself. And so, I wish anybody building on the XRP ledger to find wild success.

[00:00:48]One of the reasons this jumps out at me is because it's in line with something that I've been saying on my channel since I launched this channel in late 2018. I remember throughout 2019, I I would bring up fairly frequently that I believed we were entering an increasingly liquid world where it would be easier and easier because there would be less friction to get in and out of various positions. So if you want to have for instance a partial ownership in an expensive piece of artwork for example or uh maybe it's commercial property whatever it may be you can do that. Now of course you can have fractional ownership in the world even if blockchain didn't exist but the problem is there's a lot of friction and there's a lot of paperwork and getting out of positions it's it's tough but in the world of blockchain and crypto those problems evaporate they go away. And so I was noting in the earliest days of this channel that as the world eventually inevitably adopts blockchain technology, XRP absolutely should be a part of that because it's blazing fast.

[00:01:47]You know, it settles in real time.

[00:01:48]Transactions are so cheap they might as well be free. And XRP is the first payments coin on the planet, the first true one. Bitcoin's not. Hell no. XRP is the first true uh payments coin and it's the largest in market cap for that particular niche. And so it's perfect for these types of things. We're talking about tokenization. And of course, XRP is one of the it's one of the most adopted blockchains on the planet when it comes to real world assets being tokenized. And so sit tight. This is really cool to see because this is the type of thing we always believed could and would ultimately happen. It's just that we were super early in the XRP community. And I thought I'd start with this just as a refresher here. Some of you may remember this story, but this is the exact type of thing that I'm talking about. Um, and so you'll see with this Ripple employee that's starting his own company, it's in line with this. We're talking about tokenizing property itself.

[00:02:45]And so, first we had this story. This is from February 20th, 2026. I just wanted to highlight like this isn't some like wild science experiment that this Ripple employee is trying to do. This this is broadly accepted as where the future is heading. It's a question of now what's the be best method of in terms of making sure that it's adopted and successful and it's kind of a question mark as far as who who the winners will be. I think there's going to be multiple chains that are winners for this but I think XRP ledger should certainly get a piece. So the headline here from February 20th 2026 this year Dubai takes next step to make real estate flips instant in $16 billion tokenization plan. The Dubai Land Department, DLD, and tokenization firm Control Alt, unveiled a secondary market for real estatebacked tokens, enabling the resale of $5 million in fractional property ownership in an announcement on Friday. Roughly 7.8 million tokens tied to 10 Dubai properties are now eligible for trading within a controlled market environment.

[00:03:51]transactions will take place on a regulated distribution platform recorded on the XRP ledger blockchain and secured by Ripple custody. And so folks, literally property, it's it's effective it it's a token, but it's it's kind of like here's the deed. It's kind of like that now, isn't it? It's tokenization of land on the XRP ledger, and every single transaction is requires XRP. That's the way the blockchain's coded. And even just for the tokenization itself, XRP is literally required for that as well. So this increases the utility of XRP.

[00:04:25]That's why this is a big deal because if you're a business or an institution or even an individual looking to expand uh you know your your your ownership of crypto just in general, you want more exposure to the asset class, you're probably going to gravitate towards those coins that are used for stuff because you're going to have higher confidence that these coins probably aren't going away if all these business models rely on the existence of the thing. In this case, XRP. It's just a no-brainer. And that is in real life the way people think about things. That's how I think about things, don't you?

[00:05:01]Seriously, don't don't you think like that? Like, hey, it's useful, so it's probably not going to go away because it's getting used, right? That just makes logical sense.

[00:05:10]Anyway, the effort is part of Dubai's ambitious plan to become a global hub for real estate tokenization, turning ownership and properties into tradable tokens on blockchain rails. Proponents argue that blockchain rails can streamline ownership records and settlement. However, uneven regulation remains a bottleneck and thin secondary trading can limit liquidity. A report by EY pointed out, "Yeah, and that's true.

[00:05:33]So, we're heading in this direction.

[00:05:35]Doesn't mean there won't be any hiccups or speed bumps or things that can slow down the process, but it's not going to stop. This is the way things are going.

[00:05:43]It just makes sense." And so, former Ripple employee Ryan Audi, who posted this on LinkedIn, uh, let the world know he's launched something and he's Yeah, he's he's tokenizing property, as it turns out. And so, here's his post. And he he posted this just yesterday.

[00:06:01]7.5 years at Ripple. What a ride. I've had a front row seat to the evolution of digital assets, working with an exceptional team through some defining moments for the industry. Now I'm stepping away to build Fractal. Excuse me. Uh we're creating a real estate tokenization platform on the XRP ledger designed to unlock liquidity, broaden access, and modernize how property is owned and traded. If you're interested in the future of realworld assets on chain, whether as a partner, investor, or early user, I'd love to connect. And so that's the message that he shared publicly. And um and I saw this thanks to XRP community member Saul. He shared this and I was like, well, this is interesting. So, uh and because also, and I'm sure most of you know this, but I'll just briefly mention this before showing you a little bit more about what they're doing. Um XRP is number four on the planet right now in terms of the dollar value tokenized on a blockchain.

[00:07:05]XRP is fourth till highest with $4.1 billion with a B. That's buck wild. So yeah, I think we done picked the winner with XRP. No question. And it just makes sense technologically. It fits. We don't have to force it. It just organically is happening. And if it if it weren't fit for this, I don't think somebody like Ryan Audi would just up and quit his job at Ripple to go start a start a company which relies on the public XRP ledger infrastructure, you know. And so here's the website uh the fractal website and he highlighted a few things here.

[00:07:41]Traditional property investment doesn't work for everyone and he cites three barriers. The first one is high entry barriers. Uh huge deposits and legal complexity make property investment inaccessible. Uh second one is illi liquidity. You can't sell your property easily when you need the money. And then third is management hassle. Finding tenants, maintenance and endless paperwork consume your time. Okay. So what might the solution be? Well, look what he wrote here.

[00:08:10]Uh little subheading here. Meet Fractal property manage or property investment rather re-imagined. Fractal allows you to invest fractionally in real estate residential properties. Now folks, again I got to reiterate this is exactly what I was talking about in 2018 and 2019.

[00:08:27]Fractional ownership because this technology makes it easier to do that.

[00:08:31]You're removing the friction. With the friction in place, people are less likely to engage in instances where they have fractional ownership of anything.

[00:08:41]But when you reduce it and you make it easy to get in and out of positions, as easy it is as it is to sell, you know, XRP itself on the open market, well, yeah, that changes everything. That's why it's so important to be able to tokenize whatever the hell you want. So again, Fractal allows you to invest fractionally in real residential properties. Each property is tokenized, meaning your ownership is securely represented as a digital token on the blockchain. You earn regular rental income from verified UK properties and can sell your tokens anytime through our marketplace. No huge deposit, no tenant management, no hassle. Start with as little as 100 pounds and build a diversified property portfolio that generates passive income while you sleep. So, um, I think that's a cool as hell idea.

[00:09:34]Uh, I wish him the best. I don't know what's if if he's going to succeed or if there's anything negative that I'm unaware of, which is the only reason that I said I don't endorse it officially. Uh, just to be clear, it's because I don't know. Um, I would have to do way more due diligence to get to a point where I'd ever endorse anything.

[00:09:51]So, nothing against this project. I'm just being precise with my words here.

[00:09:55]But I thought it was worth highlighting because anytime somebody's building something on the XRP ledger, happy to talk about it. I think it's cool as hell what he's doing here. Um, and it it just it really is the culmination of everything that we believed as a community as the XRP army uh could and should and would happen going back over a decade right in front of you. This has always made sense and here we are.

[00:10:18]So certainly wish them the best, but we're going to keep going this direction. And the more this happens, the more we cement the long-term viability of XRP. And as far as I'm concerned, we don't have to wonder if XRP is going to make it. It already has.

[00:10:33]It's just a question of to what degree is it going to scale and how quickly.

[00:10:37]And that's a fair that's still a fair debate. But I think the I know the debate's over as to whether or not XRP made it. It's it's been 14 years, folks.

[00:10:45]It's been 14 years. We're done with that. XRP has made it. It's an obvious early winner of the crypto space. We picked a winner. Couldn't be more obvious. The market is screaming at us.

[00:10:54]Yes, we picked a winner. Uh that's why XRP has always been in the top 10 coins by market cap. It's why when you go to the RWA website, you can see XRP is number four in the dollar value of tokenized assets out of every blockchain on the entire freaking planet. It's number four. It couldn't be more obvious. This is why I keep saying like I know there's there's risk in associated with investing in anything including XRP and crypto. Of course there there's serious risks but to me there's never been a better time to be an XRP holder in terms of the risk versus reward right now. There's there's never been a better setup. We are very fortunate.

[00:11:32]Let me know what you guys think, but I think this is cool as hell. I'm not a financial adviser. You should not buy or sell anything because of anything I say are right. That would be a very very very bad idea. Until next time, to the moon Lambo.