XRP, Project Agora & Bank for International Settlements! (Price Talk)

Added: 2026-05-31

[00:00:00]Hi and welcome back guys. Hope you're all having a great day out there. We've got a good one for you here today.

[00:00:04]Lately, there's been a lot of headlines about the Bank for International Settlements and Project Agora. Well, here today we've got Jesse from Apex Crypto Insights back on the show who's an expert on Project Agora and the connections between Ripple XRP and it all. We're going to cover it in this video. Guys, if you do like this type of content, type a X in the comment section. Smash that like button. And Jesse, how you doing today?

[00:00:27]>> I'm doing great, brother. I'm doing great, man. I didn't know I was I had the expert status yet there. That's awesome. I'll take it. I'll take it. But I'm not sure about that. But I I'll take it. I'll take it. How are you doing?

[00:00:37]>> I consider you one. Now I I want to say thanks for coming back. Great to have back. We we did one what about a month, two months ago. Went really well.

[00:00:45]Community, many in the community have asked to have you back. And so here lately, as I stated in the intro there, Bank of International Settlements has been putting out some things about Project Agora. I just saw yesterday a watcher guru who's got millions millions of followers on X, one of the largest accounts on X in our space, put out this headline, bank for international settlements, fines, tokenized central bank money, and bank uh central banks can make global payments faster and sa safer. And I thought it was funny. I thought it was kind of comical because of course they know that, right? They've been working with Ripple for a long time. The Bank for International Settlements has Ripple on their task force. So, I'm going to let you take it away. We're going to talk a little bit about again Project Agore and several other things in this video.

[00:01:36]>> Well, man, listen, first of all, it's an honor to be on your show again. It's honor to talk with you again. Hopefully, we do it more. Um, yeah, just an honor to be here, man. Uh, yeah. So, I Project Agora, where do I start? Um, I did a few deep dives. Is it one or two deep dives on Project Agora? I think it was like almost seven, eight months ago showing clearly that this is the XRP ledger. Um, oh my goodness, there's so much evidence of this and literally so the bank for international settlements for um, you know, it's a central bank for all central banks and they have numerous projects um, via what's called their innovation hubs. So they have project Mariana, project mbridge which became projects bridgebridge, uh, they have project Jura, project Mariana. So I did about 13 or 15 deep dives clearly showing that this is all the XRP ledger.

[00:02:19]And so for project Agora when you when you if you literally take the um the PDF for project Agora the BIS PDF and you put that in AI and the AI is not always right. Sometimes you got to correct it and and I'm aware of that. But you're literally asking, you know, what's the what's the commonalities between Ripplet, XRP ledger, Ripple um uh interledger protocol, what what is similar to those things with this project here, project Agora and the AI will literally give you five pages of how it's absolutely identical, the interled ledger protocol, like everything about it, like it's unbelievable, right? So because project Agora talks about connecting different central banks interconnecting them for crossber payments and liquidity. Well, what does the um ex XRP Ripple Ripple the company has a private platform for central banks to build their CBDC's on?

[00:03:13]And this is right on Ripple's website.

[00:03:15]They've built a purposely built platform for central banks to launch their CBDC's on. And this will allow them to interconnect via the interledger protocol. They all connect to the public XRP ledger. So right now, central banks all over the world are building their CBDC's on private ledgers, which are carbon copy clones of the public XRP ledger. And this is the whole purpose for the XRP ledger, one of the main main reasons for the public XRP ledger to exist in the first place. And this is why that so so that central banks can do their own monetary policy.

[00:03:51]They can do whatever they want. It doesn't affect other nations. But when they want to settle, they're not forced to hold US dollar or another currency to do all their business in global trade.

[00:04:01]They can just settle with XRP when they want. So they're not forced to hold a foreign currency to do their settlement.

[00:04:06]They can just settle through XRP. So it allows every nation to have their own monetary policy and not be affected by the policies of the US because in the old system all the central banks are forced to hold the US dollar which also causes the triffin dilemma. So this is the whole reason for XRP to exist in the first place. But project Agora is connecting seven central banks and it's connecting them through the XRP ledger.

[00:04:30]Same for project Mbridge which became Bricksbridge. Bricks is definitely using XRP and I've done three deep dives on that as well. Project Mariana, project Jurro. There's so many projects and so um but again people need to understand and this is right on Ripple's website. I show that clearly in my deep dive that literally the XRP ledger, the public ledger, they've created private ledgers which are carbon copy clones of the public XRP ledger and CBDC's are building uh sorry, central banks are building their CBDC's on these private ledgers of which again are a clone of the public XRP ledger. So it has all the features that the public XRP ledger has which allows the central banks to do tokenization and stable coins and tokenized deposit and allow all the different players as well to build on top of CBDC money >> which but then quant plays a role in the interoperability and programmability and everything. So that's a whole other story there. Right. Um >> yeah and I and I know that uh as I stated in the beginning there Ripple of course has been on the bank uh bank for international settlements task force for a long time. I think since 2023 I believe uh sometime mid July I believe it was 2023 is when they came onto the task force there. And if you look at that list uh of who is on that list, many of the people that are on that or the companies rather organizations that are on that list are actually partnered with Ripple. SBI Holdings actually SBI bank I saw here today literally here today May 28th 2026 put out a press release talking specifically about project Agore. out for the listeners, viewers out there that are not familiar with uh SBI holdings, they have a huge amount of stake in Ripple the company and they are big, I mean big believers in XRP and so you know it's it's just very very interesting when you zoom out and look at all of it that is happening and then you see these headlines as I stated in the beginning there with Watcher Guru putting out just simply bank for international settlements, fines, tokenization, central bank money and banks that can make global payments faster and safer. Well, of course, because they've been doing this for some time and they're this is all about to roll out. And so, that's what I want to get into in this uh next upcoming topic here is just yesterday we saw that the DTCC uh put out a collaboration with Stellar that they're collaborating with Stellar. We know the connections the DTCC has with Ripple and XRP. In fact, they filed a patent that shows XRP and XLM within that patent. And so, you know, clearly they're obviously working with Ripple and are going to utilize XRP. But I saw in terms of timeline, right, I saw that uh for this roll out, it's going to be in the first half of 2027. And so, regardless of what is going to happen with the Clarity Act, whether we get it this year or not, this is all about to happen, right? And we're talking, we're not talking about millions or billions. We're talking about trillions to flow on chain and to actually see the use cases here at scale. And so I wanted to get your thoughts on this just in terms of, you know, timelines you're looking at in terms of all this going live, what it's going to do for price. I know many out there love talking, myself included, love talking about what this is going to do for price. Of course, we're in this to make money and we all believe, most of us believe that are holding XRP that's going to go to a high value. And so, I just want to get your take on that.

[00:08:07]>> All right. Oh my goodness. I could I could talk about 8,000 hours about the few things that you mentioned before.

[00:08:11]Can I just mention a few things? What you So, yeah. So, the so the it's um they're actually Ripple is the only crypto company, only blockchain company on the crossborder payments task force for like you said the BIS. That's actually specifically the crossber payments task force. And then when you're talking about SBI, SBI literally is the biggest private holder I believe in Ripple and they're the biggest holder in R3 and they're the ones that helped settle the the lawsuit between R3 and Ripple. And why did R and so cuz SBI is a big owner? Like I said, they're the biggest owner in R3. So why why did R3 receive the 5 billion XRP is because R3 cord will use the COA settler that technically should be called the XRP settler because it uses exclusively uses XRP for settlement and this is why they received originally 5 billion XRP. There was a lawsuit they settled for 1 billion. Now XDC is a bit different. XTC cuz a lot of people when I say R3 and XRP immediately people assuming like well wait now they're going to use XDC.

[00:09:12]XDC is different. Okay. It's it's it's a bit different. It's more for tokenizing everything that has to do with um uh global trade. So letters of trade and all that stuff. So I just want to explain like the relationship between R3 and SBI and XRP is not really I did three or four deep dives on that like could talk 8,000 hours just on a few points that you mentioned just before there. Um, but yeah, for for the DTCC, like to me, I think to see like the real value like crazy, I think the central banks might have to start settling through the public XRP ledger before we see the value from that aspect. Anyways, but there's there's other things, right?

[00:09:48]There's there's settlement like you said, DTC settlement. um there there's utter settlement but for the actual project Agora the central banks need to start using the public ledger for for the private for the central bank volume to actually show up I think in the price so that's kind of different because they are building in private ledgers now but they will have to touch the public ledger actually that >> oh sorry and I was going to say could you just kind of elaborate a little bit more on that why they will touch the public ledger and that is something that I hear often that is flooded that well all of this is going to be ran on the private ledgers and won't be uh on the public and so that's what's going on right now with the central banks isn't going to affect the price whatsoever.

[00:10:32]Could you just elaborate just a little bit more?

[00:10:34]>> Yeah. Yeah. And I sorry I didn't even answer your other question. Yeah. Sorry.

[00:10:38]I'm bad for that.

[00:10:40]>> Um no, right on Ripple websites it where it explains their CBDC platform. It it says right there it clearly says that central banks will be able to settle transactions between between CBDC's using XRP the purposely built bridge asset and the public XRP ledger. So it clearly says that central banks will be using XRP to settle transactions between CBDC's >> bridged. Yeah. So when people say like oh no they're just going to settle on private ledgers. This is incorrect. They can't they can't settle cross border go from one type of currency to another without going through the public XRP ledger. This is why they created the public XRP ledger in the first place.

[00:11:22]It's to fully decentralize it so that like every nation can agree to the public ledger because nobody nobody controls the public ledger. This is the idea here. The only way that we get all nations to agree to a global reserve currency and a neutral bridge currency is if nobody fully controls it or its settlement. like which is the XR the public XRP ledger right so it's getting away from the the Brenton the problem with the Brenton Woods the original Brenton Woods Brenton Woods one >> where every nation is actually forced to hold the US dollar like nobody's ever going to agree and it's not even good for the US either to be the global reserve currency and be forced to be used uh the US dollar being forced to be used as a global reserve currency for for for global trade because that country which is the US in this case has to run trade deficits and this is what we call the trifings dilemma and this is why the United States wants to fix this issue as well because they can't keep running trade deficits.

[00:12:19]>> So this is a long-term plan. This has been planned for many many years and they tried to fix it with by doing the special drawing rights of the IMF but it failed. So that's why now they're doing it with XRP. They're really they're technically redoing the SDR. That's another long story.

[00:12:34]>> But XRP is the game changer. This is what changes everything.

[00:12:38]>> It's been playing for years my friend at the highest level. central banks, IMF, and the G20 are the ones that are technically behind Ripple.

[00:12:45]>> Now, now, how far exactly? I I I've heard you talk on this point in the past, but just how far back do you think this start up? Where did this start up?

[00:12:55]O >> over over 38 years because and when you see the Rising Phoenix article in the Economist magazine in 1988, they said get ready for a new world currency that will help with global trade, liquidity, and FX. And literally they talked about how this new world currency they they have new technology that will allow them to integrate it into every aspect of everything and they're going to make it highly liquid by relentlessly integrating into everything. This is what the article argued but nobody ever talks about the article. Everybody always talks about the front page of the magazine. And then in the article, it argued that you know the best institution to manage this new world currency would be the IMF because of experience with the special drawing rights which failed. So literally what they're doing is they're they're planning to redo the SDR because it failed because at the time when they created the SDR they only gave it to central banks. They didn't give it to commercial banks, retailers, you know, enterprise companies so that they would build the use cases to make it liquid to help with liquidity. So, it failed. And technically, what they're doing is they're redoing the SDR. Now, the year after in 1989 is when David Schwarz gets the the patent on distributed computer systems, which is technically the Bitcoin patent. He was working for a very powerful three-letter agency at the time. And then 8 n years later the same agency creates what's called a paper on cryptography how to create a mint literally paper on cryptography in like 1996 I believe. Then in 2020 2001 I think it is we see uh a we see that the same intelligence agency um creates the technology called SHA 256 which is the underlying technology for Bitcoin.

[00:14:32]Everything about Bitcoin runs on SHA 256, which is the same three-letter agency that created it. Is the same three-letter agency that David Schwarz was working for in 1989 when he gets awarded the patent on distributed computer systems. And like people can Google it now. Just Google search David Schwarz Bitcoin patent and it's right there. Literally, it's it's a it's a patent on distributed computer systems.

[00:14:53]It's literally Bitcoin technology to a certain degree. So you know it's been planned for years and it's about fixing the global equity crisis and uh many things they want to bring us into a cashless society as well unfortunately but this is coming from the very high level like all the biggest think tanks in the world the IMF bank for international segments the G20 all their think tanks um this this p Ripple is not just a priv it's not a regular private company that's what I keep tell people like they wouldn't be able to do 1% of what they're doing >> if this was not pl if if this was not coming from the top like >> oh they're in with everyone.

[00:15:28]>> Yeah, >> that's very clear.

[00:15:30]>> I don't know if I answer your question because I keep going rabbit trails.

[00:15:33]>> No, no, no. You absolutely did always insights. Apex insights, right? Uh great great insights you have. I see a lot of new people come to this market dayto day, you know, saying, "Well, maybe I just got late." They look at Bitcoin that's ran over a 100K. Even XRP is up over 20,000% since the beginning and they think they're late, but they're not. We're early adopters right now and we're at a turning point that as we see this all go live and the utility of these tokens take place in the new financial system. I believe this is truly going to be something that's talked about for centuries to come. And if you're listening to this right now, you're in crypto, if you're in utility tokens, of course, we're not here to give you financial advice. We're not financial adviserss, but in doing the research, thousands of hours of research and understanding clearly what is happening right now and the pivotal uh moment we're in right now, you're an early adopter if you're in right now and things are about to change. And as you stated, and I 100% agree, this has been planned. It's been planned long. It was planned long ago. Now, uh with that, is is there anything in particular? And I kind of wanted to leave at this. I just want to go a few more minutes here uh on project Agora that you want the audience to know. Anything kind of a final message you want to add to all this?

[00:16:56]>> Yeah. Well, this is again this is absolutely the XRP ledger and sometimes in this project and like it's been a while since I did a deep dive, but they'll talk about a shared ledger concept or a unified ledger concept or a multilateral bridge or multinational bridge. Like they're using five different terminologies to describe the XRP ledger. They have five different terminologies for the XRP ledger and and and you see this in all these you see this in all these projects. It's a so the five terminologies they're using is the shared ledger, the regulated library network, the regulated settlement network sometimes for the US, the unified ledger and the finet ledger and I was the first one to crack the code on that actually just by the grace of God. Not cuz I'm better than anybody else. Just cuz I'm crazy enough to do that much research. Like it's not cuz I'm better than anybody else. Okay.

[00:17:48]Just just a bit crazier. That's all. A lot more crazier. But no, I was first one to crack the code. I was first one to show like this is all the XRP ledger because the regulatory network used to be called the regulated internal value.

[00:17:59]But they changed the name real quick because everybody knows that's Ripple because Ripple has been screaming on top of their lungs now for years. We're building the internal value. And even Vitalic Buterine said, you know, we are not the intern of value. Ripple is the internet of value. So um you know then Tony Mccclofflin of City Bank admitted that the shared ledger and the regulated library I network are the same thing.

[00:18:18]Then we've got other documents coming from central bank saying that sometimes the BIS which is central banks are all central banks sometimes when or no not sometimes but when they talk about the regulated library network they call it the unified ledger. And then I've got a video um really of the head technologist at the BIS saying that the unified ledger will replace Swift. So anyways, there's there's long rabbit and it also says that the regulated IB network could become a global RTGS and we've got the the diagrams from the Hyperledger Foundation document that leaked 8 years ago showing how they were going to lay out the internet of value and it was showing that the XRP ledger was the global RTGS. Now why is it called the global RTGS? Every central bank, the majority of central banks in the world have what are called RTGS systems, real-time growth settlement systems. The reason this diagram was showing the XRP ledger being the global RTGS is because XRP public XRP ledger is the RTGS for all of the RTGS again because you were seeing all the central banks connecting to the XRP ledger and you're they were clearly showing these are all the RTGS systems and they're all connecting to the public XRP ledger which is the global RTGS and the global liquidity marketplace and it was all connected via the interledger protocol.

[00:19:32]So um yeah so this this what I would add when you look at the project the Gora embbridge all these projects coming from BIS they're talking about shared ledger concept regulated library network which used to be called the regular internet of value a unified ledger concept you'll find those concepts in all their projects >> and they're using those words so that we can't figure out what's the XRP ledger but it's all the XRP ledger and quant overledger is not the finet although it is the interoperability and the programmability and the custom APIs for the fintet and there's a lot of confusion there in the quant about that. Um, but yeah, little rant again. Um, I'm >> No, that's great. And and I'd like to bring you back to talk about Quant, too.

[00:20:09]I know many many viewers are either invested or interested in quant. And uh I know you you got quite a bit of information on that. So, we'll definitely do that. Now, as I stated in the first one, we're going to keep leave a little bit of meat on the bone for for the next one. And so, I just want to thank you again for coming on. uh to the viewers out there, we'll have your socials, your community links in the description below so they can go ahead and check out your YouTube channel and uh what you have to offer your community there. Uh anything any last words you want to want to say to the community before we get out of here?

[00:20:46]>> No, man. It's just an honor to be on this guy's show and uh for him to trust me to to to not rant too long and actually make a bit of sense sometimes, you know. Uh, no, it's just an honor to be here and uh, thank you guys for listening and and thank you for all your support. Like and subscribe to this guy right away. Right away. Yeah.

[00:21:03]>> Thank you so much, man. I'll see you in the next one.

[00:21:05]>> Thanks, buddy. God bless.

[00:21:06]>> All right. Take care.