WOW.. Ripple/DTCC/SWIFT Are On The SAME Panel! XRP Holders’ Patience Is About To Pay OFF BIG TIME!

Added: 2026-05-05

[00:00:00]About the internet of value at Ripple, we're thinking much bigger than just cross-border payments. It's kind of like Amazon with rare books in the early days. Just this market happens to be a $10 trillion market.

[00:00:09]>> We are at a historic turning point.

[00:00:11]You've said in the past that you are doing for money what email did for communication.

[00:00:16]>> Moving the whole revolution forward.

[00:00:20]There's trillions [snorts] of dollars parked around the world. XRP [music] Is there a possibility that Ripple could take over Swift one day?

[00:00:28]Well, welcome back to another episode of Five Stars Crypto. Let's get right into today's video. Take a good look at these numbers right now, okay? $76,000 per Bitcoin, $2,300 per Ethereum, and $1.43 for XRP. And now, let's go ahead and go all the way back to 2015, August 9th, when Bitcoin was at $265, when XRP was at uh 0.008, and Ethereum was at 70 cents. I'm bringing this to your attention to show you what a speculative asset can do based off of absolutely nothing and just false narratives and hopium from the media.

[00:01:11]And this is what you get. You get a $76,000 uh Bitcoin, and you get a $2,300 Ethereum.

[00:01:19]And behind the scenes, NGOs, governmental organizations have been working together with the private sector and the public sector putting together an infrastructure to create a level playing field. And in order to create a level playing field, you need interoperability. And in order for you to attain interoperability, you need an asset like XRP that can bridge value from different ecosystems. And in today's episode, you're going to hear it from the industry leaders themselves. We're going to get into this PDF from Citibank briefly just because of important of a paragraph that they said here you got to listen to because they're telling you this. They're telling you. They're telling you that a bridge asset is going to be required in this new world we're entering.

[00:02:12]And look at this panel. Look at this panel that I just took place. You have Ripple, Cassie Craddock, you have Swift here, you have the DTCC here.

[00:02:27]Nadine Chakar, you guys are all familiar with Nadine.

[00:02:31]But the most important part about this is the meetings that took place years ago and where we are today and we are on the same panel. Look at that. Swift, DTCC, and Ripple. Now, take a listen to what was said here from the DTCC, okay?

[00:02:46]Just months ago, saying it's hard to get everyone on the same set of standards.

[00:02:52]This is what they're trying to do right now, okay? Understand how important this is, and this is the iconic picture of who you're going to see speak in a moment, Rob Palatnick, uh and then you have Brad Garlinghouse on the right-hand side, and of course Christine Lagarde.

[00:03:07]This was over pretty much 10 years ago now, and look where we are in 2020 c 2026. Look how much building has occurred. Um but over the last year, we've uh been exploring the technology, uh speaking to many of you, speaking to many uh vendors, third-party providers, industry associations, many experts.

[00:03:30]Uh and and we've determined a couple of different things um peering through through the hype and and smoke. Um first, uh there's the ability to share information and let information flow is very powerful.

[00:03:45]Uh the role that we play and certain infrastructures play uh requires many firms across the industry to adhere to sets of standards, to upgrade versions of standards.

[00:03:56]Uh and and it's it's hard to get everyone on the same set of standards.

[00:04:01]It's hard to get everybody to look at data the same way, to interpret business rules the same way.

[00:04:07]Uh and if you can eliminate a whole layer of requirements, if you can eliminate the requirement that everybody in the industry use the same exact database and the same exact version and the same exact business rules and the same exact stored procedures, if instead there's this new layer of technology that has the business rules embedded and that has the data information embedded and everyone is looking at that data in the same way, how powerful would that be? And how much simpler can it be to roll out a technology and roll out processing and eliminate the many upgrades and many coordinations that are necessary. And then when the head of the BIS says the same thing in regards to implemented consistently around the world means having interoperability and everybody needs to be on board for this one.

[00:04:59]That's where the firms are going to go, and we've seen with with events already that that's just not a good outcome. And then we have committed to assessing the implementation by the end of 2025. The assess assessment of the implementation of our recommendation by the end of 2025. So, we're going to let people put things in place, and then we're going to take some action, and I'll stop there. But our work crypto assets, like Martin said, has been taking up a lot of time and mental energy in terms of thinking about what the next steps should be.

[00:05:28]If I can just start with a a big picture sort of framework, which I think you're hearing from each of us. I just want to sort of maybe put it into my own words, which is I think there's three things that we probably are all trying to do.

[00:05:40]You've heard a lot about us trying to agree on minimum standards that can be applied globally, and that's a lot of what you've heard is us working on that.

[00:05:48]And Martin was just alluding to the second one, which is once we have those in place, we have to work to ensure that those are implemented consistently around the world. You can't have pockets where it's not implemented that just it just doesn't work at that point.

[00:06:02]And then the third piece is I think you heard it a few times already is this is an area that's just changing rapidly.

[00:06:09]Martin referred to three different phases. Uh Neil referred to some changes and how hard it is to categorize things.

[00:06:15]We have to have a framework in place that ensures that we're going to cooperate, coordinate, and share information because once we put these standards in place, we can't just sit back and go, "Ah, it's done."

[00:06:25]We have to be talking to each other all the time. So, that's the sort of big picture of what we've been working on.

[00:06:31]And in a moment when I play you guys a video from Reinventing Bretton Woods, they're saying the same thing. It's the same thing. It's about system, who's going to provide it, who's going to do it, and we all know Ripple and XRP have been chosen. And the price of XRP right now is at $1.43, and this thing is going to flip Bitcoin 100%. You know, like take a look. Why is Bitcoin not at what Tell me why Bitcoin's at $76,000. I Again, I don't want to go full dumb mode here where I try to think about this because I just can't wrap my head around it and I start talking gibberish. Uh gibberish. But yeah, like I don't know like this $265 asset that does absolutely nothing now in 2026 is at 76 $76,000, and people say XRP can't go to $10, which is crazy [snorts] to me, okay?

[00:07:20]Which is crazy to me. So, now let's go over this briefly, the PDF by Citibank that was published, okay?

[00:07:28]Listen to this part. This is very very important, very important.

[00:07:32]Because this is what they uh they covered pretty much what we always talk about.

[00:07:37]Stablecoins, like payment networks, thrive on scale and liquidity, and extreme fragmentation will mean stablecoins are inherently non-fungible, illiquid, and counterintuitive to mass adoption. This could necessitate more interoperability solutions and bridges, but it also increases the risk of cyberattacks and loss of funds.

[00:08:00]Do you understand that? This could necessitate more interoperability solutions and bridges. This is what Ripple and XRP was designed to do from since day one. And you're going to hear a bone-chilling video from, you know, Chris Larsen back from 2016 of just him explaining this ecosystem and their vision, and seeing it play out in 2026 is, like I said, bone-chilling. Take up on this infrastructure issue, and Paul, you mentioned that, you know, one of the key ideas is you put up in place an infrastructure, and then for everyone to use it, and I think that's in line of what you suggested of this open approach. Um I just one sort of parenthesis on interoperability, which working with blockchain is a big theme and is often being mentioned. Um but I'd like um everyone to keep in mind, today's system has zero interoperability, right? Every system is completely isolated, and the only way banks can communicate with one another is through um secure messages. So, we we need to keep that in mind. There is an ambition about interoperability, but we're starting from from zero when we take our system as a benchmark. And that's where I link that then to another point that has been made by several of the speakers. It's about interoperability. If you're looking across border, that that key factor is interoperability. You're working across jurisdictions and across assets. You need a neutral asset in between different CBDCs, or your liquidity is going to be divided among the n squared pairs of CBDCs. Similarly, if other assets such as securities around the world get tokenized, there's even more need for a neutral asset between multiple CBDCs and possibly a large number of new assets and new asset classes.

[00:09:32]And the interoperability, I see it even more uh between what I say the new and the old world.

[00:09:39]Because if we don't get that right, I think migration simply becomes impossible. improve in of course in an environment in which we need to col- collaborate both from the public sector and from the private sector to create the ecosystems that can flourish and can bring these uh services to everyone.

[00:09:58]A One word of caution here is that a lot of these discussions in terms of how to provide these things have been around which technology we should use to provide the services as opposed to which services we actually need to provide.

[00:10:13]And I think we need to switch that that that perspective. We need to start thinking on what is the exact functionality that we want for our economies and for the financial sector in general and then start delving deeper into the different technologies that we can provide.

[00:10:27]>> And if you guys are new to this XRP community and if you're trying to learn this, please go watch my previous videos because this is not an asset that you could wrap your head around watching one video, okay? Individuals that have been following this journey have been like I said, we have been in crypto university. We were learning the same pace at the same pace as the World Bank and and all these institutions. You and the viewer, you right there where you're listening. Yeah, yeah, you. You have the same knowledge as any other panelists that you see. If you have been around here and you have been glued to the screen, you you know as much as the head of the IMF. Okay, that's a fact.

[00:11:08]Majority of us are knowledge on the level of or even more of IMF industry leaders in this technology. So, congratulations and give yourself a pat on the back because people are going to be going to university for these things now, but you guys understand it inside out and that is why XRP community is the smartest individuals on planet Earth.

[00:11:32]Okay, we are not speculators.

[00:11:35]We are mathematic mathematicians that understand what demand and infrastructure does to a utility asset, okay? Plain and simple.

[00:11:45]Now, take a listen to this. This what you're doing fit into the fourth industrial revolution?

[00:11:52]Yeah, it was a very exciting time.

[00:11:55]So much change going on and one of those additional changes that I think will be part of this fourth industrial revolution is this notion that we now have this internet of value. We now have new technologies.

[00:12:08]Our goal, you know, how with the uh the term that people have coined, right? The internet of value.

[00:12:15]Whether you call them blockchain or distributed ledgers or whatever we call them, bottom line is this is the beginning of an internet of value. Or whatever we call them, bottom line is this is the beginning of an internet of value where value will be able to move like information.

[00:12:33]Where it will move instantly and then kind of looking forward, I think you you really see this uh you know, almost futuristic world where, you know, here at Davos they're talking about internet of things.

[00:12:44]Well, now layer on this internet of things, these billions of cars, devices being connected.

[00:12:51]Now suddenly they're also uh commerce connected. So, things are buying, selling, keeping money.

[00:12:59]Uh you can imagine the self-driving car that's paying a an ambitious coder in Kenya to upgrade its self-driving, you know, systems.

[00:13:11]It's paying some embedded device in the road here in Davos to use the road. And it's collecting money from consumers or maybe even other things that might want to hitch a ride in that self-driving car. So, suddenly now you could argue that billions and billions of new economic participants have arrived on Earth. Imagine listening to that in 2016 and all the losers that were probably making fun of them when XRP was at below a dollar. Okay, not a below dollar, below a penny.

[00:13:42]Okay? So, with that being said, ladies and gentlemen, let me know what you guys think in the comments down below. The writing is on the wall. You have Ripple, DTCC, Swift on the same panel.

[00:13:52]Uh the implementation phase is now happening.

[00:13:57]I cannot believe the Clarity Act and everything is going to get passed this year. This is the calm before the storm.

[00:14:08]persistent of the future. But XRP, it's really about this very fundamental driver of demand.

[00:14:18]>> [cheering] >> My family thinks less of me because I told them to buy XRP.

[00:14:28]And all my friends quit texting me cuz all I talk about is the XRC. When the price rose, it was just like ecstasy.

[00:14:40]But then it crashed so unexpectedly.

[00:14:44]And no one's standing next to me >> [music] >> cuz I still tell them to buy XRP.

[00:15:00]>> [music] >> Put all >> [music] >> my faith in Brad Garlinghouse and now I do not have a house.

[00:15:16]>> [music] >> Still figuring the riddles out.

[00:15:20]And no one knows [music] what I'm talking about, but I still If you don't like it, you can suck my D.

[00:15:32]>> [music] [music] >> I guess that's just how it goes. It genders nobody knows and it's like the things [music] that happen are all part of a show. You either see it or don't.

[00:15:49]You either will or you won't. But [music] when the price is really low, I back up the boat.

[00:16:00]If you don't like it, you [music] can suck my D.

[00:16:08]>> [music] >> They call me bag holder number one.

[00:16:15]While they're laughing, I'm buying more, son.

[00:16:19]My therapist [music] says let it go, man.

[00:16:23]I said no, it's all part of the plan.

[00:16:27]And when the flipping ink [music] turns the page, I'll be laughing from my yacht's range.

[00:16:35]Cuz every time they say it's dead, I load [music] my wallet up instead.

[00:16:43]AND I'MMA BUY MY XRP.

[00:16:46][music] If you don't like it, you can suck my D.

[00:16:52]>> [singing] [music] [music] [music] [music] [music] [music] [singing] >> Uh I think what we're building it has, you know, it's solving a real problem and I think all of the tokens, my advice to anybody would be understand the utility. If there's real utility and there's real value being delivered to a real customer, there will be value in the token.