XRP TO $10K IMMINENT? Clarity Act? SWIFT Connections FINALIZED, XRP's SECRET Infinite TAM Exposed!

Added: 2026-06-03

[00:00:00]Welcome back to the show, ladies and gentlemen. Check it out. The headlines with the Clarity Act fast approaching and the window to get it done closing.

[00:00:10]Ever North reveals why XRP is now an official base layer for all of AI finance. Listen, this is an absolute gamecher and we're going to get into why because we are now talking about an infinite total addressable market, the TAM. And then we've got direct connections now with Swift and the DTC.

[00:00:32]This could be the moment before XRP is sent to hundreds if not thousands of dollars and even yes 10 thousands of dollar tens of thousands of dollars.

[00:00:41]Let's not waste any more time ladies and gentlemen. Let's roll that beautiful intro because you're going to love what we've got for you today.

[00:00:55]Digital Perspectives with Brad Kimes.

[00:00:58]Come on in.

[00:01:05]Welcome back to the show, ladies and gentlemen. And let's look at this right now. 2.48 trillion market cap for crypto. The market is off 2.5% in the last 24. And we see now Bitcoin has lost a $70,000 uh watermark. There we're at 69,300 plus. Ethereum's lost a $2,000 hold and uh XRP at the number five spot is a$126. We're off 3.2 on the 24. We're off 6.7 on the 7day. Everything's bleeding because of the uh undecided uh moment we're in because we don't have legislation. We're going to get to that in a second here. 126 to 130 is where we're ranging. We're on the bottom side of that range obviously and we're waiting for geopolitical events to to uh resolve. We're waiting for the Clarity Act to resolve. We're waiting on a lot of things. But I'll tell you one thing, we've been more on top of what's going on in this space than the Bitcoin maxis.

[00:02:01]My gracious, let's just do this. We have to.

[00:02:04]>> In 2017, when I got into crypto and ICOs, like my imagination was running wild. I was not tethered to reality.

[00:02:11]>> Why are you not like that anymore? the market hasn't been into strong crypto.

[00:02:16]So like NFTTS, like onchain culture, like strong DeFi, like strong crypto where we were building this parallel financial system and we didn't need to ask for permission and you know, Wall Street was going to bend the knee to us.

[00:02:29]Now it kind of just seems the other way around. We're kind of just like simps for Wall Street.

[00:02:34]>> Yeah. Welcome to the party. Somebody finally turned the lights on in there, did they? You know, listen, this was never going to be about crypto taking over Wall Street. That's not what it is.

[00:02:45]This is about crypto being used as realworld asset tokenization of the traditional capital markets.

[00:02:53]We're done here. You know, that's what this is and what it's always been. And the Bitcoin maxis actually thought they were going to take over Wall Street. Oh my god, that's so cute. It's unbelievable. Meanwhile, back in reality, Koshi just filed to certify perpetual futures for XRP, Salana, and Doge and more altcoins in the US. Shout out to everybody on that list, XRP included. And the rotation is happening, says Banks, Bank XRP.

[00:03:23]Shout out to Bank. Make sure you're giving him a follow and hit that subscribe while you're at it. Look at the flow here. Loving what we're seeing right here. Live ETF flow map. You go bank. No doubt about it. And right now we are sitting at 94 million plus XRP locked up and 1.26 billion in this down market. I do feel like we're getting to a bottom here. Now, where are we at with the Clarity Act? Let's listen to Coinbase chief policy officer right here.

[00:03:53]>> Well, this will be actually the biggest financial regulatory bill that Congress has done in quite some time, certainly since DoddFrank. But what this does actually is it creates clarity for the crypto sector. But interestingly, you know, notwithstanding the concerns from the banks, it actually creates an a broad range of new powers for the banks.

[00:04:11]In fact, this will be the first piece of legislation since the '9s that gives the banks new authorization uh to get into the crypto space. I know JP Morgan wants to get into it. Every other big bank wants to get into the crypto sector. We are welcome their entry. We work with many of them in helping them build the services that they want to offer their customers. So, it's a big important piece of legislation. It's transformational in its nature and you know and we're very very close to getting it done.

[00:04:38]>> We very close to getting it done even though we're hearing a lot of FUD right here from Milk Road. They say two crypto deadlines land in the next 48 hours.

[00:04:47]It's even less now cuz today should be the deadline for the Genius Act stable coin comment period close at the Treasury FDIC and Finen. That happens today. Tomorrow the Senate floor reopens to push the Clarity Act forward. Two major deadlines stacked inside 48 hours with an August signing target already on the books for clarity. Well, where's that at? I haven't heard anybody say that. So, let's listen very closely tomorrow to see if we get the news to clear up whether it will be an August signing or in July. So, either way, let's get the damn thing done. That's the most important thing. And if we get it done, we know that there's some positive upside coming to the market.

[00:05:28]Brian Armstrong believes that that posit positive upside will take Bitcoin to $1 million by 2030 in just three and a half years.

[00:05:36]>> The cool thing about Bitcoin is that it doesn't unlike fiat currency, there's no money printer, right? So the the the supply of it is fixed. It's finite. And so as more people integrate crypto and use crypto, there's more demand and finite supply, that only means the price can go up. That's why I said by 2030, I think it could hit a million dollars.

[00:05:53]>> I mean, if they don't have at least 5% of their net worth in Bitcoin, they're probably going to be pretty sad.

[00:05:59]>> Well, there you have it. And that's his thoughts, not financial advice, but if Bitcoin goes to a million dollars by 2030, we have seen massive adoption in this market, have we not? And by the way, just for reference, if Bitcoin were to go to a million dollars at the same spread that everything sits today, AI says we'd be about 18 to 20 bucks with XRP price. But nonetheless, let's get back to the real fundamental news, right? Like this update right here.

[00:06:28]Swift launches a new crossber payments framework with 50 plus banks including JP Morgan, HSBC, City, and BNB Parabus. Well, what do we know about all of them? Well, this part you're going to love.

[00:06:47]We know that we're working with all of them. That's what we know. Three out of four of the big banks highlighted utilize Ripple custody to safely store and trade and manage digital assets like XRP in real USD. This is it. I'm showing it to you right here. Bingo. Bango. We all see it. There's the data, right?

[00:07:12]What are we waiting for? The Clarity Act. Here's more information. How about JP Morgan and Ripple crossber pilot?

[00:07:18]Remember that? Yeah, I remember it with Kexus and Mastercard or HSBC custody.

[00:07:25]You see the relationships that are here, right? I mean, I know you do. It's all sitting right here. If you're staring at a chart, you're going to not see this.

[00:07:36]If you're just looking at the current price today, you're looking at all this incredible information and you're in the mindset of my wife now who's like, "Oh, let me guess. There's more good news."

[00:07:48]And the price didn't go up. I live with the biggest XRP troll in the world.

[00:07:52]There's no question. And I love her dearly. There's no there's no no question about that either. But I must say it is quite comical at times when I see those moments because I realize that XRP is designed to work within a regulated, compliant, and legislated financial system. Right?

[00:08:12]And we don't have the permission for the banks and the FIS to use it yet. But we will. We will. We're going to get there.

[00:08:18]And you see the connection in the market infrastructure is already connected.

[00:08:22]We're just waiting for the approval.

[00:08:24]Now, speaking of the Swift news, has anybody been here long enough to remember not long ago when Watcher Guru put out that just in Swift nearing an agreement with Ripple to use XRP for crossber payments with billions of XRP secured in escrow as liquidity reserves.

[00:08:41]And less than one minute later, they said we were hacked and we got our account back. I've been in this space on going on 10 years. I've never seen anybody get hacked and get their account back in less than one minute.

[00:08:54]This felt like something that was released too soon.

[00:08:58]I can't confirm it, but we do know that all those big banks are working with Swift and Ripple.

[00:09:05]You tell me what's going to happen.

[00:09:09]Ripple continues to expand what they're doing as they expand US dollars back stable coin. real USD to Turkey through partnerships through Bilera, Bexan and Bitlo, giving Turkish institutions access to enterprisegrade dollar liquidity. Again, what does this all really stem to? As I've said about the preservation of the US dollar dominance in the new internet of value, right? That dollar dominance is important because we're trying to capture as many transactions in this new high-tech barter society we're moving to because that's the larger total addressable market for US dollar dominance as a world reserve currency and we're the leader already. We just need to continue to be so and it looks like we're doing doing so in Turkey now too. Now the other big play is what Kevin Olirri talks about. The next big thing in crypto is whichever blockchain lands at least one S&P 500 company across all 11 sectors. That's going to be a gamecher, says Kevin Ol. I think he's right. But here's the big opportunity and and this one no one's cracked yet. And I think it's the next big thing in crypto.

[00:10:23]>> Oh, good. I'm ready.

[00:10:25]>> Okay. So you talk to any S&P 500 company and ask them and I do this all the time because I index for them with debt and equity.

[00:10:35]Are you planning to use blockchain technology to manage inventory, provide logistics, contract management, etc., etc. And they all say 100% say yes.

[00:10:45]I say really which one? Well, we haven't decided yet.

[00:10:50]>> And I said, why haven't you decided?

[00:10:51]Well, there seems to be no standard and there's a lot of debate and there may be some legal issues, etc. So, I think the next big thing in crypto is which of these chains is going to get at least one company in all 11 sectors of the S&P? Because the minute that occurs, you want to go long that token.

[00:11:16]>> You better believe it. And I happen to believe XRP will be one of those tokens and protocols to get that job done. But we also know that that is going to be something that is so big and the transaction level so massive that it won't be humans doing it. We all know that AI agentic AI finance AI right well this leads to a very very big reveal ladies and gentlemen that we're headed to and I'm going to give it to you. But the first thing I'm going to give you before we get there is the realization of exactly just how important AI is. I want you to listen to Raul Pal talking with Yanni from E Toro about AI agents.

[00:11:56]This is a very very powerful comment because it is I believe true and accurate. Take a listen. You know, as we know, we've all got friends of ours or people we know who are cynical about this whole thing. They don't believe it.

[00:12:09]They don't. But sooner or later, everyone's going to realize that this is the biggest discovery of all of humanity and the last one we'll ever make because AI will do the rest.

[00:12:20]>> There it is right there, ladies and gentlemen.

[00:12:22]>> And it kind of sucks in all capital. And I just don't think this is over until it sucks in all capital. But >> I think he's right about that. But why am I showing you that? because we're talking about now addressing the back-end settlement and clearing of things like the S&P 500 or NASDAQ or New York Stock Exchange which we know we obviously have a very deep relationship with uh the DTCC which does clear and settle all of those things including the treasuries at the FIC as well. So there is a huge total addressable market and it will be AI agents agentic AI working in finance to get all of that done. Now, here's where Evernorth comes in.

[00:13:03]Evernorth CFO Matthew Frymire just made a statement filed with the SEC just a few days ago, drawing a direct parallel between today's blockchain adoption curve and the ECN. This is the electronic communication network's revolution of the early 2000s that wiped out the New York Stock Exchange trading floor and went automated. That's what he's comparing this next move of adoption to the same move in the early 2000s that took people off of the trade floor. You see them? It took people off the trade floor. They're not even there anymore. That kind of change and transformation is where we're going. And it will be agentic AI and blockchain technology.

[00:13:52]Evan North C CFO went on to say here after he made the statement filed with them about the ECN's electronic communication network where technology killed the trading floor.

[00:14:02]Early hedge funds adopted them first.

[00:14:04]Prime brokers had no choice but to follow. Volume beats volume. Liquidity begets liquidity.

[00:14:11]This is what is coming. It's happening again. Right? Just like from the VCR to the DVD. Just like from the DVD to streaming.

[00:14:22]This is not the first time technology has come along and kicked the entire sector in, right? And re re redefine it.

[00:14:32]That's what we're talking about. And when you look at these changes, take a look at just some of what's going to happen here. Financial advisors are going to be the first ones that are pushed out of this whole model. that one to two percent advisor fee, who's gonna want to pay it? Agentic AI is going to do a better job than any human will.

[00:14:53]So, that's going to be the first area where AI starts to come in and squeeze out people right there. If I was a financial advisor, I would be looking to get somewhere else because this is going to be eaten up very quickly. And yes, it'll be that kind of combination just like at the at the grocery store, you got the checkout lane, selfch checkckout, right? Then you've got the regular one with a person. Now what do we have? We have like a few lanes with a person and a bunch of selfch checkckout and before it's over there will be no person there. And in some cases that's already happening. We've got fast food restaurants where there's nobody there.

[00:15:29]You order from a board that you push the buttons on.

[00:15:33]This is the kind of change that Aentic AI, especially in finance, is going to have and it's going to be profound inside of the SEC filing that we're talking about. Let me change the screen here so it's better and easier to see.

[00:15:48]What are they doing? The rise of autonomous operations. AI powered agents are increasingly positioned to assist these operations, execute strategies, manage liquidity positions, and respond to market conditions in real time. for institutional treasuries. This isn't future possibility. It's becoming operational reality.

[00:16:07]As Ever North looks to embrace AI empowered uh operations, the right infrastructure becomes essential. How do you verify agent actions before settlement? How do you assess risk in real time? How do you maintain compliance, auditability across autonomous workflows, the collaboration?

[00:16:24]Chandler T54, was that XRP Las Vegas?

[00:16:28]XRP Las Vegas 26. Yeah, shout out to Chandler and Evernorth intend to integrate the Agentic financial infrastructure and trust layer to power the autonomous treasury operations on the XRP ledger, bringing verification, risk assessment, compliance, and AI powered treasury tools uh management to to to the four. This collaboration extends beyond single product integration. Both teams will also collaborate on developing new products for the entire XRP ledger ecosystem. Now I read through all of this, not just those comment. I went through the whole thing early this morning and I said right here, is this accurate that Evernorth explains the XRP ledger is the base layer for AI finance? Yes, it's accurate, says Grock. I'm understanding it correctly. Sometimes the news feels so powerful and so huge and so in your face I'm like I I got to go ask AI if I'm reading this right. It says right here it says in the document publicly filed and viewable which I showed you Evernorth explicitly frames the discussion around aentic AI finance right and positions the XRP ledger and XRP ecosystem as the emerging substrate base layer for it.

[00:17:48]Now I want you to imagine just what I played from you from Raul Pal talking about AI and he goes into talking about this point of all the money is on ledger and AI is trading and settling it all and that is how it's going to go and that makes for an infinite TAM totable addressable market because the AI agents are going to continually scale and compound and scale and compound that's never going to stop until we hit singularity.

[00:18:18]Now, what about when we get a bank license? Take a listen to this clip.

[00:18:22]Back when we had uh Paul Baron was on uh had uh S Salirdie on and he was at XRP Las Vegas, too. Shout out to Saul.

[00:18:31]>> You know, what's Ripple going to do with his 40 billion XRP given that they filed to be a bank? Um you know, there's one of the leading theories that they just hold that on their balance sheet. They get their banking license and they become a top 20 capitalized bank in the world. That's with XRP at $3. XRP goes to, you know, some multiple of $3, they become a top 10 bank or even the top bank in terms of capitalization. That's pretty astounding.

[00:18:54]>> It is pretty astounding. This is why I always say, look, we need the legislation. We need the national bank charter fully green lit and we need the Federal Reserve master account. Then we have a complete full circle. Then after that, I believe we need the Bitcoin strategic reserve if that's what they're going to do. And we need the United States digital asset stockpile with XRP in it so they can gather the asset and then do a US digital asset bond issuance so they can gather the asset rapidly while profit sharing with their citizens instead of taking and uh from the taxpayer.

[00:19:29]And then they can gather these assets because they're going to be just as important as rare minerals and o oil and gold because they are going to power the new financial system, the new internet of value. So the United States and other governments around the world will want as much of these assets as they can possibly get. That's how I see this going. and remind everybody, Hidden Road, Ripple Prime, is licensed with the DTCC right here, as you can see, to help settle the 115 trillion they're about to tokenize in October.

[00:20:02]That's what's that this is what is in front of us. So, you know, truthfully, when I see a chart like this, shout out to Chart Nerd and shout out to Egg Crypto. These are OGs in the space.

[00:20:13]They're trying to prepare you for the fact that there could be more downside.

[00:20:18]History says we're going to touch the bottom of this channel. It doesn't have to, but history speaks to it in a very good in a very big way. And if that's the case, that means the price has to come back down. So, do we go back to 80 cents, 70 cents range periodically and then have the opportunity to shoot up to these higher levels?

[00:20:38]I have no idea because when I think about the things that I've laid out, the data I've shared today. I have no problem when I see something here like from Teran who is a computer engineer, banking systems, right? You know, apparently at Ripple too, he says um and does all this computer engineering for banking systems. You know, he's a super smart guy. And every so often somebody like this surfaces and starts sharing their excitement and their enthusiasm.

[00:21:04]And I appreciate Cherusan for doing so.

[00:21:07]But in short, when you think about these situations where the institutional market could come in and scoop up something like XRP because of the demand for liquidity, the need to make payments, it doesn't get hard for me to believe that we could see XRP in the future become 300, hundreds of dollars or $1,000 or a $10,000 plus. I absolutely have no no reason in my mind to believe that that's not possible.

[00:21:34]Now, it remains to be seen because it has to happen. But the truth of the matter is I'm here for the larger goal.

[00:21:40]I'm here for that larger objective. So, when things are a$180 or a or you know or a$120 something like they are today or the possibility that we could be going back down to 8070 cent range, I'm not bothered by it because the data in front of me tells me that it is all positive news, but none of it gets an opportunity to be realized. until we get the market structure bill, until we get the bank charter, until we get the Fed master account. When you get those things, what you're really getting is a blessing into the system. That's what we're talking about here. Donus la, you know, the whole thing, right? You know, and then that is over. And after that, everything else can wa we can watch and be realized. And knowing that AI has been revealed by Evernorth to be a massive, massive play, a massive play because it is literally being stated by them that the XRP ecosystem is the emerging substrate base layer for AI finance, agentic finance. How about that, ladies and gentlemen? Yeah. Where do you think we could go now?

[00:22:55]Oh, it's nothing but good news. Ladies and gentlemen, listen, before I get out of here, make sure you check out IT Trust Capital, ladies and gentlemen.

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[00:24:17]So, not financial advice from me or anyone else. So, come on in.