This Starts The Next XRP Bullrun!

[00:00:00]XRP is about to get a massive upgrade and this could be the catalyst that starts the XRP bull run. In today's video, I explain why. And this is really not even speculation. We've seen this happen before. And what's setting up here for XRP is going to catch a lot of people offguard. And so we're bringing this content to you so that we can rewire how you think about XRP because there's a lot of new people and even older folks that have been in XRP for quite some time or they're new people taking a look at this and they think that this is just some banker's coin that we hold and wait for Ripple to do all these deals and eventually XRP is going to go to the moon and we'll get rich, right? And then people either have faith in that and that's all they, you know, have their investment tied up in or they lose faith in that and they say, "Okay, Ripple doesn't Ripple's not good for us. I'm out of XRP."

[00:00:53]Well, this goes much further than us hoping and praying Ripple does something. This is how you become your own bank on the XRP ledger. We're talking about the XRP ledger lending protocol. And this is coming at the same time that we're getting Clarity Act, regulations, and rules of the road for DeFi.

[00:01:11]And it's also coming at a time when we're already seeing the XRP ledger actually lead in real world asset tokenization. It's coming to the XRP ledger. And it's coming to the XRP ledger faster than almost any other chain out there, at least over the past 90 days. So, let's get you straight on into this update. My name is Zach Recctor. I cover current events, financial markets, and the greatest transfer of wealth in world history. We don't just talk about XRP, but we love to because we think it's still one of the best opportunities out here. And the XRP moment is real. Brad Garin House says, "I've been in crypto long enough to know when a moment is real. This is one of them. 10 years of swell converging with real scale, institutional adoption, and Swell plus Apex together for the first time this fall. We've been building towards this moment. See you in New York City. It's October 27th through the 29th, New York City. I'll see you guys there." And then we get Cassie Kratic here who is the Oh gosh, I should have her bio here. UK CEO and managing director of UK and Europe.

[00:02:14]She's being featured on the New York Stock Exchange Twitter page right here.

[00:02:19]From Money20 in Europe, Cassic breaks down how Ripple is connecting the full digital asset stack, payments, custody, and tokenization on one infrastructure.

[00:02:29]Now, ask yourself, why is the New York Stock Exchange featuring Ripple? Right, this is a big one right here. Let's run the clip.

[00:02:37]>> We're excited to be at Money 2020. We're here showcasing Ripple's offerings. Um, today we offer end-to-end digital asset infrastructure, which comprises of custody, payments, stable coins, tokenization, prime brokerage, and treasury. and we package that up for banks and financial institutions to really build their dis digital asset strategy on top of. So what gives us uh competitive advantage? So firstly we've been in business now for 14 years and we've been providing uh digital asset technology to banks and finan financial institutions for that that length of time and that really sets us apart as a trusted advisor in this space. Um and secondly, we not only provide infrastructure in the form of technology, we've spent over five years now acquiring licenses around the globe.

[00:03:25]So we have 75 licenses um including uh we're regulated here in Europe with the CSSF in Luxembourg and in the UK by the FCA and that enables us to provide not only technology and infrastructure but also a regulated version of that and that really sets us apart uh sets us apart against our competitors.

[00:03:44]And folks, this is being featured on the New York Stock Exchange, which is just beautiful. But this isn't just, oh, we made it to the New York Stock Exchange.

[00:03:53]Look at us. We're cool. It's translating to the flow of tokenization and and tokenized RWAs coming to the XRP ledger more so than any other chain right now.

[00:04:04]This is from soil. 2 billion in RWA net inflows over the past 90 days. XRP ledger ahead of every other chain.

[00:04:15]Stable coins excluded. This is real world assets finding their home on chain. And this is why soil, right?

[00:04:21]They're putting USDC, ROSD, and XRP to work through institutional lending strategies. So you already have participants like soil and others showing up and trying to bring solutions to us because they know the XRP community is an untapped market for lending and institutional, you know, lending and yield strategies. But here is where we're going to talk about how this is coming on chain and we're no longer going to have to rely on any middlemen for us to be able to lend or borrow against our XRP ledger. But I think that the beauty of this is that we're going to have a bunch of middlemen. Whether it be small-time developers building out an app and a platform or whether it's the big suits coming to get our business and everybody in between. The untapped market that is a bunch of just idle capital parked in XRP is so massive.

[00:05:14]And you combine that with all of the real world assets being brought on chain. You might be saying, "Well, Zach, great. We brought in 2 billion of RWA over the past 90 days. XRP's down, dude.

[00:05:24]Who cares, right? If it doesn't mean XRP number go up, then I don't care, right?

[00:05:29]It reminds me of a little kid, you know, plugging their ears. N, you know, not listening, right? Number didn't go up.

[00:05:35]Why does this matter? Because we haven't seen volume between the RWA and the trading of those RWAs yet. See, the first step in tokenization is bringing it onchain.

[00:05:46]Second, not only did we bring the value on chain is now we have trading between the RWA in XRP, the RWA in ROSD, the RWA in hundreds and thousands of other real world assets and other tokenized assets, other stable coins, other currencies, and of course pairing it up with XRP so it becomes highly liquid and efficient for trading on the XRP ledger. That's where we're we're seeing all of the flows arriving, but number hasn't gone up yet. But just because the XRP price hasn't gone up today doesn't mean it's not going to. You have to understand first step is getting them on board, right? And then once we get them on board here, then we can start to see the flows of liquidity between these RWAs and all of the other assets in XRP on the XRP ledger. Now, before we get there, I want to get in a quick word from our sponsor, iTrust Capital. This platform has been doing such a fantastic job of taking care of our community with US-based customer support, institutional custody. It's time for you to start getting treated like an institutional investor with digital assets. Now, of course, ITR Capital does have precious metals available, and they're actually rolling out stocks and ETFs as well, too. So, I put this community resource in front of you guys because I've just signed up and created my PCA account. We have many people in our community that have set up multiple accounts with them, but we put them in front of you guys because they're really becoming a one-stop shop for your investing experience, whether it be digital assets, precious metals, or stocks and ETFs as well, too. And here's what I love is it's all free institutional grade custody. So, when you use my link down below for iTrust Capital and you fund your account with a,000 bucks US dollar or in a,000 bucks worth of crypto, you will get that $100 funding bonus. Take advantage of that today. You have the three different products. The IRA for your retirement funds, the premium custody account for institutional custody, and the premium custody treasury account for your business, your trust, your nonprofit, and your LLC. Linked up down below. Get it funded and get that $100 funding bonus today.

[00:07:58]that one of our validators on the XRP ledger summarizes what just happened with the XRP lending protocol going through the biggest and greatest security testing and validation we've seen on an amendment so far on the XRP ledger. Looks like the lending protocol takes the spot for the best tested amendment the XRP ledger has seen. Lots of learning from the past went into this. The lending protocol will unlock idle capital on XRP, provide native yield opportunities, and make liquidity a product. Now, I got the summary right here.

[00:08:33]What we have is two amendments. One XRP lending and the other one is single asset vault. And we've already gone through extensive testing that began in early 2025.

[00:08:45]So, we had put out audit number one.

[00:08:48]They found seven uh seven issues including two critical ones. All have been fixed. In October, in November of 2025, we had a public attackathon with Ripple funding $200,000 in ROUSD with 455 submissions, 131 researchers, 94 valid findings, and full payout distributed.

[00:09:11]Then we had Halbourne audit number two, December 2025 through January 2026.

[00:09:16]second full audit covering all fixes and we passed all of those. Maynet launch January 2026 where it was introduced into the code and then Ripple deployed their new AI red team is what they call it which caught seven confirmed bugs after launch including issues that could have led to phantom collateral going undetected. We don't want that. And then we see XRPL Commons did some independent testing 257 test cases. All of those passed 100%.

[00:09:47]And then we got formal mathematical verification with common prefix. Eight weeks proving protocol logic in lean 4 caught edge case nobody else found and all fixes were rolled into the recent releases and it's ready to go. So this is the most rigorous testing that any amendment for the XRP ledger has gone through. Ripple is setting the standard here once again just like with everything that they do, right? How should stable coins be done? Look to Ripple. How should custody be done?

[00:10:18]Ripple. Payments, Ripple. Tokenization, Ripple. Lending protocol, Ripple. On the XRP ledger, right? It It's the one-two punch. It's the way Ripple is doing things on the XRP ledger. And they lead the charge. But it's not just Ripple.

[00:10:34]It's our decentralized network of validators that are working right alongside Ripple to come to that consensus to pass our amendments when the time is right. Sure, there's going to be a bug and a fix here and there, but we have not seen the big smart contract exploits like we have on all these other blockchains because we don't do this with smart contracts. The XRP ledger lending protocol is going to be built into the native layer 1 chain. No smart contracts, no bridges.

[00:11:04]which are always where the exploits happen. It's in it's it's a bug in the smart contract. It's something that they embedded in the smart contract, right?

[00:11:14]It's the bridge.

[00:11:16]This is XRP lending and borrowing. This is you become your own bank on the XRP ledger without anybody else being involved. Right? If you want to go the fully decentralized route, you could.

[00:11:30]Now, for those of that you for those of you guys out there that are saying, "Well, I don't know how to do all this stuff. I need help." The good news is that there's a lot of people working on this, like I said, small-time developers that are going to build out a little app all the way to the biggest players and suits on Wall Street that are going to put together packaged products and offerings for you to lend and borrow against your XRP and to earn yield on your XRP. Now, why would I suggest at the start of this video that this could lead to the next, you know, the start of the next bull run? Because this brings the spotlight back on XRP in a way of, oh, it's not just another Ripple partnership. Ripple partnerships don't move the market, I think, because we become numb to them. We get so many Ripple partnerships with this bank, this institution, that doesn't even move the market. But what will move the market when everybody who's been passively holding XRP realizes, "Oh, wow. I can now put it to work, you know, lending and borrowing. I can put it to work earning yield. I can start to earn passive income on my XRP." Because that's the holy grail for all of us as investors is we really just want to make 5 to 10% on our money without having to take on too much risk. If we're willing to take on a little bit more risk and and shoot towards, you know, 10%, sure, that's on the far end of the risk curve.

[00:12:49]for sustainable you know 3 to 5% that's great too we want that option right and that range of options is is is what leads to better products and services for the consumer or in this case the XRP holder and when the rest of the market realizes wow I cannot just hold XRP and speculate on a riddle coming true and XRP going to $589 but I could hold my XRP and start earning cash flow on it today that very well, could kick off the next XRP bull run. And we do have at le a list of a dozen other catalysts that will lead to the next XRP bull run. All of this to say, we know the next XRP bull run is coming. And I'm watching very closely because I think the XRP lending protocol and the ability to earn yield on your XRP and passive income on your XRP could get this party started.

[00:13:43]You guys let me know in the comments down below if you appreciate our show and our content that we put out here every day. Please help us out by liking this video, sharing it out far and wide.

[00:13:51]I got to run. It's my wife's birthday.

[00:13:53]She's turning 2025 uh 25. So, we're going to go celebrate her. Go have some fun. I hope you guys have a great weekend. God bless you all.

[00:14:02]I am your host, Zach Recctor. I really appreciate all of the love and support.

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