One core piece of the crypto space that I have been really putting a spotlight on is stable coins. Stable coins have become a huge piece of not just crypto at this point, but also even traditional finance. And it's been a piece of crypto that's been spotlighted by some of the biggest names in the world.We're talking about institutional players, government officials. I mean at this stage of you know crypto and stablecoin adoption I really do think that we are at the point where crypto is maturing in a big wa ...

Brad Garlinghouse was just announced to be a speaker at an upcoming XRP event scheduled for February 27th of 2026, aka XRP Australia from Wave of Innovation. This is definitely going to be a very exciting event. I recently talked about it in a video um recently as well.So, I'm excited for this one, especially considering the fact that it's very similar to like XRP Apex where we will see a lot of great discussions around the XRP ecosystem, what's coming, what's happening, and really kind of what's just plann ...

Stablecoin Market Growth & Trends - Stablecoins are experiencing significant growth in on-chain value and transfer volume, with monthly transfer volume exceeding $4 trillion and projected to reach $10 trillion [2][3] - Monthly transfer volume increased by over 37%, reaching $29 trillion, while the stablecoin market cap rose by over 3% to $296 billion in the last 30 days [5] - Monthly active addresses are up 13% to over 30 million, and the number of holders is up 245% to almost 200 million [5] - Stablecoins processed $46 trillion in transactions over the past year, nearly three times Visa's volume ($16 trillion) and closing in on the ACH network ($87 trillion) [27][28] - Stablecoins offer significant cost efficiencies compared to traditional payment methods, with transaction fees near zero compared to banks (1266%), MTOs (535%), and mobile carriers (387%) for a $200 transfer [29] ROUSD Performance & Adoption - ROUSD is highlighted as a trustworthy, transparent, and fully backed stablecoin, gaining attention from institutional players [7][8] - ROUSD's value on-chain is closing in on $900 million, up over 21% in the last 30 days, with monthly transfer volume up almost 90% to $65 billion [13][14] - ROUSD recorded its highest monthly trading volume in history, with $17 billion transacted in the week of October 12th [14] - ROUSD experienced a 31% jump on the XRP ledger, surpassing $100 million, with transfer volume surging almost 84% to almost $9 million [15] - All recent mints of ROUSD have been on the XRP ledger, including $245 million, $13 million, $18 million, and $500,000+ [17] - Visa is highlighting Ripple's ROUSD alongside USDC and USDT in its new report on stablecoins powering on-chain lending [19] Ripple's Strategic Moves & XRP Ledger Growth - Ripple's acquisition of G Treasury allows it to tap into a $120 trillion corporate treasury payments market [9] - Ripple aims to unlock idle capital (previously $27 trillion in Nostro/Vostro accounts) and enable real-time cross-border payments using stablecoins and the XRP ledger [10][11][12] - The stablecoin market cap on XRP surpassed $300 million for the first time, indicating major growth and usage of the XRP ledger [15] - The industry anticipates that increased stablecoin usage on networks like the XRP Ledger will drive network effects and positively impact the value of underlying gas tokens like XRP [33][34]

Ripple's Expansion and Partnerships - Ripple is experiencing rapid expansion, marked by frequent updates in ROUSD and custody solutions [1] - Ripple's partnerships with Chipper Cash, Valor, and Yellow Card are facilitating cost-effective and fast money transfers across Africa [2] - Ripple is expanding its presence in the Middle East through partnerships, building on its Dubai regulatory license to accelerate crypto adoption and launch pilot projects [4] - Ripple's global custody network now includes clients across Europe, the Middle East, Asia-Pacific, Latin America, and Africa [12] - Ripple is actively collaborating with the BIS (Bank for International Settlements) on cross-border payments initiatives, aligning with G20 targets [36] ROUSD Adoption and Growth - ROUSD monthly transfer volume increased by almost 100%, specifically 8634%, in the last 30 days, reaching $585 billion [5] - Total value of ROUSD increased by 1524% in the last 30 days, exceeding $840 million [5] - ROUSD monthly transfer volume is projected to reach $6 billion in October, surpassing September's high [6] Ripple Custody and Institutional Adoption - Absa South Africa, a leading African financial institution, is Ripple's first major custody partner in Africa, bringing institutional digital asset custody to South Africa [7] - Ripple's custody solution is considered trusted and meets the highest security and operational standards, confirming its significance in the institutional market [20][21] - Ripple's custody platform enables new use cases across tokenization, digital asset management, and stablecoin issuance, with strong ties to the XRP ledger [30][31] Absa Bank's Role and Influence - Absa Bank has total assets of over 2 trillion South African Rand, approximately $120 billion [32] - Absa Bank plays an active role in shaping economic policy and amplifying Africa's voice on the global stage through its partnerships with the G20 and B20 [35]

Market Trends & Growth - Tokenized Real World Asset (RWA) value increased by 105% [1] - Stablecoin value increased by almost 5% reaching approximately $294 billion [1] - RWA value on public networks increased by over 12% in the last 30 days [1] - RWA 30-day transfer volume increased by almost 38% to approximately $1096 billion [2] - Stablecoin 30-day transfer volume increased by nearly 14% to $359 trillion [2] - Monthly stablecoin transfer volume is almost over $37 trillion [4] - ROUSD adoption is rapidly increasing, with over $839 million tied to it, up over 15% in the last 30 days, and monthly transfer volume up almost 64% at almost $6 billion [8] Stablecoin Adoption & Usage - Stablecoins are experiencing significant growth, especially on public networks [7] - USDC is up over 24% in the last 30 days [8] - Transfer volume is a crucial indicator of stablecoin market activity [6] Institutional Involvement & Tokenization - Major banks are announcing significant stablecoin initiatives, embracing both stablecoins and public networks [9] - Every major bank is expected to tokenize their reserves, with JP Morgan already making moves with JPMD [10][11] - Tokenization is expanding to various assets, including stocks, institutional funds, commodities, and bonds [13] - US Treasury Secretary encourages community banks to embrace blockchain and stablecoins to compete with larger institutions [15][16] - Major US banks are increasingly involved in crypto and digital assets due to favorable regulations [22] - Big banks are exploring launching a stablecoin linked to G7 currencies [23] Ripple's Role & Influence - Ripple has a significant presence and influence in the stablecoin and blockchain space [29] - Some major banks exploring stablecoins are already confirmed partners of Ripple [24] - Ripple is involved in discussions and initiatives related to digital assets in both the US and the UK [25][26][27]

Stablecoin Adoption & Market Growth - Mainstream media is increasingly focusing on stablecoins, highlighting their potential to revolutionize payments and business operations [1][5] - Stablecoin adoption is accelerating, potentially becoming a catalyst for mass crypto adoption by attracting enterprise and institutional users [3][4] - The total stablecoin market cap has surpassed $300 billion, with a significant increase of approximately 55 billion (55%) in just 7 days [6][7] - Stablecoin monthly transfer volume is consistently around $3 trillion, indicating substantial activity even during relatively inactive periods in the crypto market [9][10][11] - Year-to-date stablecoin transfer volume is over $2556 trillion, approaching the $274 trillion recorded in 2024 [12] ROUSD Performance & Ripple's Strategy - ROUSD market cap has surpassed $90 million, with monthly transfer volume up over 53% in the last 30 days, reaching almost $5 billion, indicating strong adoption [13][15] - Ripple emphasizes ROUSD's role in transforming financial services, particularly in Africa, by reducing costs and improving access to financial services [22][23][24] - ROUSD is expanding globally, with plans to launch in Japan in 2026, aiming to become a top stablecoin due to increasing adoption [27] - ROUSD is committed to regulatory compliance and transparency, as demonstrated by the independent attestation reports [32][33] - ROUSD is being integrated into institutional finance, serving as a key stablecoin offramp for tokenized funds and enabling repo trades for tokenized money market funds [34] Challenges & Future Outlook - Concerns exist about the proliferation of stablecoins with unclear use cases, potentially mirroring the NFT hype [16] - The inefficiency of Ethereum could lead to a shift in stablecoin dominance to other networks like XRP, especially as stablecoin use cases like payments at scale increase [37][38]

ROUSD Stablecoin & Market Growth - ROUSD exposure is expanding throughout the markets, with Bybit listing ROUSD spot trading pairs [1] - Over 50 million ROUSD were minted on a single day, bringing the total ROUSD value to almost $800 million [3] - Monthly transfer volume of ROUSD increased by 17% in the last 30 days, reaching $425 billion [3][4] - To become a top five stablecoin, ROUSD needs to surpass $46 billion [4] Ripple & UK's Crypto Initiatives - Ripple aims to be a top five stablecoin by the end of the year [2] - The UK is pushing for stablecoin regulations and adoption, given its significant role in the FX market, which sees $44 trillion done in the UK out of a $75 trillion per day market [7][8] - Ripple has 10 job openings in the UK, focusing on institutional DeFi and the XRP ledger [8][9][11] - Ripple launched an initiative following a roundtable discussion in the UK, cooperating with the US on crypto adoption [13] US-UK Transatlantic Task Force & Ripple's Role - The UK and US have formed a transatlantic task force for markets of the future to cooperate on digital assets, stablecoins, tokenization, and cross-border market access [14] - Ripple is positioned to leverage its transatlantic footprint to drive US-UK tech innovation [15] - Ripple advocates for digital asset growth and regulation, recommending stablecoins for cross-border settlement and eligibility of tokenized collateral [23][24]

Regulatory Landscape & Harmonization - The SEC is making a complete 180-degree turn this year, removing obstacles to institutional and enterprise crypto adoption [1] - The SEC and CFTC will host a joint roundtable on September 29th to discuss regulatory harmonization priorities [2] - The agencies aim to harmonize product and venue definitions, streamline reporting and data standards, align capital and margin frameworks, and stand up coordinated innovation exemptions [4] - The new acting CFTC chair has announced an initiative to allow stablecoins to be used as tokenized collateral in US derivatives markets [5] Stablecoin & Derivatives Market - The CFTC is seeking public feedback until October 20th on valuation custody settlement and role changes needed to make tokenized collateral work [7] - Stablecoins like Oro USD (ROUSD) are poised for significant growth and adoption, potentially in the US [9] - ROUSD has nearly $50 million in total value and is held to a higher standard due to its compliance and advisory board [27] US Treasury & Digital Payments - The US Treasury is phasing out paper check disbursements and receipts, effective September 30th [11] - The Treasury will support agencies' transition to digital payment methods, including digital wallets and real-time payment systems [13] Legislative & Political Developments - US lawmakers are urging the SEC to implement President Trump's executive order, opening up the 125 trillion (12.5%) 401k retirement market to crypto [9] - The Clarity Act is crucial for digital asset growth, aiming to provide regulatory clarity [15][17] - Congress is working on market structure bills to provide certainty and direction to the SEC and CFTC [19][22]

Tokenization Market Overview - Tokenization is expected to be a prominent topic for the next few years, with continued evolution, adoption, and growth anticipated [1] - The tokenization market is attracting larger players and increased investment [1] - The value of tokenization is currently at $2958 billion, with an increase of almost 8% in the last 30 days [2] - Total Real World Asset (RWA) holders are nearing 400000, up over 7% in the last 30 days [2] - Total RWA on-chain value has surpassed $30 billion, with growth observed across the board, including stablecoins [2][3] XRP Ledger and Institutional Adoption - XRP is experiencing ecosystem expansion, including tokenized RWAs and stablecoins [3] - RWA value on XRP is over $356 million, up almost 10% in the last 30 days [4] - Stablecoin market cap on XRP is up over 23% in the last 30 days, totaling $265 million [4] - Ripple is partnering with DBS Bank and Franklin Templeton to establish repo markets powered by tokenized collateral and stablecoins [9] - Investors can use ROUSD to trade for Franklin Templeton's money market fund SG Benji tokenized on the XRP ledger and list it on DBS's digital exchange, earning yield and opening new liquidity venues [9] - Institutional grade tokenization on the XRP ledger is expected to lead to institutional DeFi becoming a reality [9] Key Players and Partnerships - Open Eden Digital is up over 10% in the last 30 days, nearing $84 million [5] - Zakcon economy is up 200% at $30 million [5] - Control Alt is up almost 44% at $62 million [5] - Circle USDC is up 160% in the last 30 days [5] - DBS and Franklin Templeton are launching trading and lending solutions powered by tokenized money market funds and Ripple's ROUSD stablecoin [19][20] - Franklin Templeton's SGBI token has almost $737 million tied to it [21] Institutional Interest and Future Outlook - 87% of institutional investors expect to make investments into digital assets in 2025 [27] - Tokenization is affecting every single market, marking the beginning phase of the new financial system [28] - DBS will explore enabling SG Benji tokens to be used as collateral to obtain credit from the bank or third-party platforms [24] - Franklin Templeton will tokenize SG Benji on the XRP ledger, strengthening interoperability across networks [35] - Ripple DBS and Franklin Templeton are enabling repo trades for a tokenized money market fund with a regulated stable and liquid mode of exchange such as ROUSD [39] - Franklin Templeton has $162 trillion in assets under management [40]

XRP Ledger & Institutional DeFi - Ripple's end goal is institutional-grade adoption of DeFi, focusing on RWA tokenization and stablecoins [1][2] - Stablecoins are crucial for enabling liquidity for tokenization use cases at scale, such as 24/7 stock trading and lending [3][4] - Key components like AMM, permissioned DEXs, and credentials are enabling more growth on the XRP Ledger due to regulatory compliance [12][13] - Permissioned DEXs on the XRP Ledger introduce compliance-focused trading environments without compromising decentralization [22] - The XRP Ledger has been operating continuously since 2012, making it a battle-tested choice for institutional players [24] RWA & Stablecoin Growth - $313 million is tied to XRP in RWA value, including $197 million in stablecoins across 18 RWAs [5][6] - Braza Crypto's BBRL stablecoin has $191 million tied to it, while ROUSD has almost $100 million [6][7] - Open Eden's T bills are up almost 73% in the last 30 days, sitting around $78.5 million [7][8] - The XRP Ledger holds $135 million in private credit, $116 million in US Treasuries, and potentially over $300 million in stablecoins [10] Ripple's Strategy & Offerings - Ripple is positioned as the leading partner for banks and financial institutions for compliant institutional DeFi at scale [26] - Ripple offers a full suite of products including XRP custody, payments, stablecoins, and prime brokerage, along with regulatory licenses and strategic education [27] - Ripple is building ready-made solutions for institutions, aiming to 10x their problem-solving capabilities [28] - Ripple aims to expand the XRP Ledger to include on-chain repos and on-chain DVP (Delivery versus Payment) [28] - Ripple is exploring the use of zero-knowledge proofs on the XRP Ledger for private transactions, addressing the privacy concerns of prime brokers [34]