WHAT HE'S CALLING IT!??! (MAJOR XRP 2026 TARGET?)

Added: 2026-05-05

[00:00:00]What was the original purpose of the XRP ledger and where have we moved to today?

[00:00:05]David Schwarz gave a keynote speech in 2025 at the Apex conference and there's two clips I want to cover in detail because they are very important to what lies ahead. We also hear that we are entering the next phase, a utility phase for the crypto and blockchain space.

[00:00:23]Hopefully the utility prices will show up sooner than later. I also have a ton of other XRP related news in this video.

[00:00:30]Let's just jump right in and get into this.

[00:00:34]>> I hear that a lot. What makes the XRP ledger different? What is the XRP ledger's purpose? Well, it was built for a purpose. Many blockchains were built for different purposes. Bitcoin, the first blockchain, designed to be digital scarcity, a store of value, a means of exchange. What can you do with the Bitcoin blockchain? You can hold and transfer Bitcoin. That's useful, but that's about all it does. Ethereum went completely in the opposite direction with smart contracts and open-ended programmability. It kind of made an app store approach for blockchain where you can build and launch your own applications from the ground up on the blockchain. The XRP ledger carves a niche in the middle. It was designed in 2012 specifically for financial applications focusing first on payments.

[00:01:17]The architecture prioritizes speed and reliability, lowcost transactions and predictable transaction costs and seamless enterprisegrade integration. It wasn't trying to do everything, but it was focused on targeting real world financial use cases exceptionally well.

[00:01:34]Since inception, they have gone from one global problem to the next to try to solve that at scale. The first one, of course, was payments, crossber payments.

[00:01:43]Now we're into stable coins. Now we're looking at AI AI payments. That's going to be a multi-t trillion dollar you know payments ecosystem in world. I mean we are going to get to a 500 trillion one quadrillion in payments process and that's all going to start happening via blockchain right and if the XRP ledger can capture 5% 10% of global payments.

[00:02:02]Where do you think the price of XRP is going to go? I mean right now we're speculating XRP is worth a$140. Maybe it's worth $3. Maybe it's worth $5. We don't really care about the speculation part. We care about what is the utility price of an asset that can move value instantaneously from one secure party to the next. KYC, AML, compliance, callbacks, all of that stuff's in there.

[00:02:22]Sanction screening. If you're a government, you want to build a CBDC, we can do that here on the XRP ledger. You want to use the technology to tokenize value, we can do that here on the XRP ledger. The largest banks in the world are choosing to work with Ripple and the XRP ledger to build this future, this digital finance future where value will move instantaneously. And that is what I'm a part of when I own XRP. Now, David Schwarz here also another clip. Lord XRP says, "Listening to David Schwarz in this video from last year, he said that Ripple sees a clear shift from pilots into productions. XRP has massive growth with real use cases yearbyear. Let's play it."

[00:02:58]>> Shown this slide at every single apex.

[00:03:01]Shows that the X ledger the growth is real. It shows a shift in scale over more than 13 years. 3.3 billion transactions processed, 6 million plus active wallets secured by more than 800 nodes and more than 180 independent validators. So proven track record of reliability and decentralization. So this is a shift that we're seeing.

[00:03:27]Institutions are moving from pilots into production. Yesterday we had the announcement of digital commercial paper live on XRP. Real assets are coming on chain. commercial paper, treasuries, money market funds, stable coins, all of these things are happening today on the Xledger. And this isn't box checking.

[00:03:48]This isn't another DeFi fad. This is a massive, massive opportunity. And the XRP ledger is evolving to support these real institutional financial use cases without losing its core value.

[00:04:00]>> You know what I see when I look at DeFi right now? I see scams over on Ethereum.

[00:04:06]I see issues and rugpulls over on Salana. I see real institutions wanting to come and build on the XRP ledger because that's where serious people are going to build these days, right? If you want to go ahead and build the next meme token and rug everybody, you know where you're going to go, right? You're going to go to Salana because everyone's dumb enough to buy those tokens and pump up the price and then completely remove all the liquidity and just suck you dry.

[00:04:31]Serious builders, serious innovation, future technology. That is what we we are doing here on the ledger. All right.

[00:04:39]Unknown DT says Ripple Treasury is the golden gateway that allows institutional money to enter the XRP ledger. They have transformed a complex technology into an everyday tool. For XRP, this means its value no longer depends on promises, but on steady pulse of global commerce that now at last flows through its digital veins. XRP is no longer just an investment. It's the fuel for the treasury of the future. We are talking about a thousand of the largest corporations on the planet that move anywhere from 12.5 to 13 trillion a year. and they are now working with Ripple Treasury and they have the ability to use XRP to move value anywhere instantaneously in three to five seconds. When they are not wanting to move that money, they can move it over here and start earning yield on that money. What do you think that's going to do to any of these companies before that the money was just sitting there stale? They didn't really know how much when they were using the Swift system. Did we send enough money? I know we sent that on a Friday at 5:00 p.m. It didn't get there till Tuesday. Did we send enough? Oh, we got to send a second payment. That sucks, right? With XRP ledger and Ripple, you know how much the payment is going to cost before you send the money and it's done. It's gone. You send it on a Friday at 8:00 p.m. when the banks are closed, it's still going to get there in 3 to 5 seconds. And these companies now have the ability to use cryptocurrency and stable coins where they didn't before. What impact is that going to have on any industry that these corporations are in? And what is it going to do to the corporations that compete against other companies that don't have access to the technology? If you want an edge, you need to evolve with the technology. And that is what we are seeing in real time. What company will Ripple buy next? That'll add another 13 trillion, right? And then another 13 or 15 trillion. You keep adding these companies and acquiring them and moving the infrastructure to the ledger. That is going to have a dramatic impact. And in the end, we are going to get there together. And X Finance Bull says it's real nice here.

[00:06:35]Say it with me. Quadrillions. That is the level global liquidity and how it moves. And this is a retweet here from Caroline Fam who is now working at Moon Pay but has been seen with Brad Garlinghouse on a numerous number of times. I thought she might have go work with for with with Ripple when she's thought being the CFTC director. I thought she did a great job. Japan is preparing for sudden adoption of XRP.

[00:06:59]They are preparing to rescue the financial system with the biggest liquidity crisis we will see in the wake of the war. The price will come before the Clarity Act is passed. Just in, Japan officially approves build to recognize cryptocurrency as financial assets. What is going to happen in Japan, ladies and gentlemen? Are we going to see XRP go to $1,000 this year, $10,000 this year? I mean, like, realistically, are we going to get to $5 this year? Where is it going to go? Uh, I'm not fully sold on a a financial meltdown in Japan and then XRP coming in to save the day. I just, as time goes on and I learn more, I'm just not fully sold on it. If if it happens, man, I I'll I'll make the video. I'll be the first person to jump on here and say, "Guys, listen. I was wrong. That sucks."

[00:07:47]But look how much money we have now, right? I'll make that video. I'll look forward to it. All right. I did want to show you this though because it looks like there's some shade being thrown here in the Salana ecosystem. Luke Judges coming back. Let me show you.

[00:08:02]Ripple executive shade Salana. They're trying to steal XRP's global reserve narrative. A Ripple Luke Juggages took a direct shot at the Salana crowd after a viral post told people to treat Salana like it would become the next global reserve currency. I mean, you you're you're going from uh memecoin culture.

[00:08:21]Maybe you made some cell phones that nobody really cares about or is buying and and now you want to go to the glo next global reserve currency. Okay. All right, guys. For years, the XRP community has pushed the idea that XRP was built for global payments, crossber liquidity, and potentially a neutral reserve bridge currency. And that's not Salana. How many central banks are working with Salana and their technology? How many real banks are working with Salana? There's a few in there, but it's not anywhere near what Ripple and XRP is. Like I always imagine this, right? You are a leader of a bank, a financial institution, and you have two boardrooms and in one boardroom is the Salana crowd, right? They're wearing jeans and maybe a t-shirt and, you know, something like life sucks. I don't know what those dudes wear. But obviously in the other room, you have Brad Garlinghouse. You have Monica Long.

[00:09:10]Maybe David Schwarz is there, you know, cuz he still works for Ripple. But serious, you have serious people in one room in business suits ready to go. and you have the hey man we're going to make uh you know we're going to make a meme for your company and your bank it's going to be great right like anytime someone talks about Salana it's usually they're talking about a memecoin I have yet to have a conversation with someone about Salana they're like yeah this is the great that's being built out on Salana and these financial institutions are using it it's mostly like hey did you see this new meme I don't care right and so here it is approach Salana like it's will be the next global reserve currency that's the tweet and then Luke judges says first they steal our token and then they steal our narrative And when they say steal our token, we're talking about XRP being wrapped now on Salana because XRP is better than Salana at certain things. And Salana is better than XRP at certain things. Right. I I'm I'm very comfortable to say that. All right. 100 million launch of right into a historic $258 million compromise. Vet sounding the alarm. Freeze the transfers or at least address the situation as everyone else has. Don't just barrel forward with marketing. What's this about?

[00:10:16]>> XRP timing. There's something to it, isn't there? We have this big moment where we have X being ported over to be used in DeFi and Salana. And then what happens? We have this massive hack that affects a lot of assets. And Vet jumping in here as he always does to sound the alarm. We see Hex Trust here. They're on this promotional bonanza telling everyone, "Isn't this so great? You know, this is a $100 million launch of wrapped XRP on the Salano blockchain to be used in DeFi. But of course, we had this huge hack here. That's saying freeze, stop the transfer of XRP over to Salana until we really know what happened here. And at a bare minimum, as every other rapper has done, like wrap Bitcoin, he at least put out a statement uh you know, stating you understand what happened. It doesn't affect you.

[00:11:04]Everything's good to go. only only wrapped XRP hasn't done that. Again, they have just continued with this promotional bonanza $100 million issuance of wrapped on Salana and this needs to be addressed. This just can't be a marketing moment. We got to at least hear this doesn't affect us or better yet, you know, pause this and we can continue, you know, porting XRP over once we know everything's safe. This is a major issue and once again, vets stepping in here calling some sanity to the situation. Let's not be pushing XRP over there if it might be at risk and we're going to harm investors. This needs to be addressed.

[00:11:41]>> Sounds like uh some things need to be addressed. I don't know if it's going to be addressed, guys. Like you get these bigger companies, they're not really listening to what people are saying on Twitter or what YouTubers care about. I mean, obviously that is the smartest thing to do to make sure that investors funds are okay. Like is this hack going to affect XRP? Addressing that very important. Are they going to do it?

[00:12:01]Probably not. Probably not, guys. I hate to break it to you, you know, it's probably not going to happen, but we'll see. If if I get an update, I'll bring it to you. Okay, now let's get to this because this was juicy. This is from Smoked Dog. He says, "The next phase equals utility check mark. It starts low and then goes high." So, bear with me here.

[00:12:20]>> portion of the crypto market doesn't doesn't really work with the principles that we're that we're looking to kind of support here. And what is kind of shifting is this principle of utility.

[00:12:30]Jeremy Aair who's circles CEO um the the issuer of USDC made a lot of comments about this uh recently saying that this this the next age of crypto needs to be the age of utility where there's real use cases that make sense to to people you know in their kind of day-to-day lives you know things that that like Jess is building at at checkout and I think that's where we're going to start to see main mainstream adoption is where you know whether it's financial institutions saying you know there's there's tokenized securities or that there's things that we can traditionally that traditional products and put them on the blockchain and make it you know more efficient and less friction and you know that that's from the institutional side but from the retail side there needs to be something else to just you know trying to to to make a speculative play and I think once these assets get a little bit more mature with bringing utility to market that's where I think that you'll see a lot more kind of um uh foundational kind of flourishing in in in a way that that that really matters to people again as opposed to just the speculation.

[00:13:30]>> Listen, Clarity Act will kick off investment into the space like we have never seen before. What is that going to feel like? I don't know. We're going to go through it together. I I would imagine too many senators have too much on the line to have this fail, right? It would be a complete It would be a complete disaster for the Trump administration because this was one of the key promises that they have made.

[00:13:54]And come midterms, they gota they got to be able to say, "Hey, we we got this done because it's going to matter to younger voters, especially people in crypto. People often vote with their wallet." There's going to be other things like how much is gas, right? How much is the price of food? It's also going to come in. But the crypto part, 60 million Americans are counting on the US government to get their together and get it over the line. Doesn't matter what party you're in, get it done. We're waiting. We are waiting. All right. Bana Akad Zari, I might have done that good, maybe not. Head of treasury in the EMA at BNY, Ripple's primary custodian, has stated, "It's an exciting time to be in the payment space and we start to see the world move 247 365.

[00:14:41]>> Exciting time to be in the payment space." Uh, right. uh with with with everything that is happening and we're certainly as we talked about we're starting to see the world move towards a 24/7 uh 365 movement of money that would enhance the efficiencies in uh payment flows uh around the world including in the region. So that's certainly a a big area that we see and that we are spending a great deal of time and effort to explore but also to work with industry bodies with our FI partners uh to be able to one support but also to work to achieve a higher level of harmonization and interoperability that would enable the ecosystem to function in a in a more seamless way to respond to uh increasing client uh need sentiment.

[00:15:34]>> All right, few other things I want to get to. Looks like Russia's largest bank, Cyber Bank, says it's ready to launch full crypto trading the mo the moment rules go live. So, big Russian bank Cyber Bank just announced that it's fully prepared to allow crypto trading as soon as the country officially allows organized digital asset trading, crypto trading, custody and storage, margin trading, investment strategies, even AI based investment tools. So, that is a big deal. Love to see it. When will it happen? I guess we'll see. And then you also have this one clip here from the senior vice president of stable coins at Ripple. Jack McDonald predicts capital markets will be a massive unlock.

[00:16:11]>> And I happen to think a big unlock where we'll see more and more a year, let alone three or five years, is on this capital markets front. I think that's just a massive inefficiency that exists today. I think of everything that we're doing here is really helping to rewrite a new operating system for capital markets and crypto and blockchain web 3 are, you know, a piece of that. But I think the world is starting to awaken.

[00:16:31]Now we have some regulatory headwinds which are really opening the doors for traditional finance to really start to embrace the future.

[00:16:38]>> All right guys, listen. I'm going to wrap the video up there. Please like the video. Let me know down below what you think about any of this that we talked about today. I do want to hear from you.

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[00:17:08]A lot of people are in there chatting about the market, what's going on. So, if you want to not only get the videos and the content, but also want to talk to me in person there, that's the place to do it. All right, I will see you. I'm CryptoSensei. Have a good week ahead.

[00:17:20]I'm going to sign off today. It's Sunday evening here in Honolulu. I'll see you tomorrow with more information.