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Panic! 2022! Remember! Deep, slow, breathing!

VIA: clif high

Panic!

Panic, it turns the mouth into a dessert with the tongue a rough and scaly petrified log resting on the sand. It heats the throat, pressurizes the lungs, constricts the heart, and empties the bowels and bladder with force that feels like it is draining away your very life.

Panic! It’s the most powerful of our active emotional complexes.... the one that can destroy the mind and all reason, in an attempt to preserve the body during assault. Panic drives the body and mind into an intensity equaled by no other emotion. Panic! It’s designed by universe as the last employable strategy when your mind is saying that Life Itself is about to be lost.

Panic grabs all the millions of bundles of existing stress in your body into a rope, twisting until they all start screeching under the strain, demanding of the Mind and Will some form... any form of release from the pressure.

Panic! As with all emotions, it’s contagious.

Panic spreads rapidly. The speed of transmission through a population is a defining characteristic of panic. Panic jumps from person to person with the very spark of communication, faster than electricity, at nearly the speed of Thought. Panic spreads fast.

There is no panic like a banking panic. Especially for speed of transmission, though it is the depth of penetration of the panic that is remembered in history, not usually the rapidity of its spread, as banking panics always are followed by society changing periods that last for years.

The Panic of 1893 led to four hard years that nearly destroyed the middle class in the USA. This panic also prompted political changes that participated in the Anti-Masonic movement that produced the ‘anti-mason laws’, as well as two, new, national political parties, one of which would go on to take the Presidency in just 10 years time.

The Panic of 1893 took out 500 banks, over 15,000 businesses, 4 major railroads, the nascent steel industry, and nearly sent Washington State back to the status of Territory. The Panic struck just 4 short, exuberant years following statehood being granted to Washington. During those 4 years, Washington had the fastest growing population on the North American continent. Census figures record some areas growing 20 fold over those first four exciting years of statehood as men, machinery, and money, moved in to harvest the plentiful resources of timber, fish, and irrigation free (due to rainfall) farming. Washington was a ‘booming’ place.

In fact, it was so ‘booming’ that the sentiment became a sales slogan.

Seattle boosters called their city "the boomingest place on the earth," and British author Rudyard Kipling described Tacoma in 1889 as "literally staggering under a boom of the boomiest" (Kipling, 43). https://www.historylink.org/file/20874

Always, both booms and banks will fail, and the banking Panic of 1893 sparked across the minds of men, igniting the explosion of confidence that ruptured the Washington state, as well as national, confidence. First the capital flow into the state shrunk, then reversed sharply, until funding on any commercial venture could be characterized as ‘impossible to obtain’. Within just 18 months following the panic, Washington state, the fastest growing state in the Nation, began to see municipalities fail, the infrastructure crumble, and the population abandon the area. The effects of the Panic of 1893 on Washington were still being felt four decades later in the 1940s as the state was best known for being the home of ‘Ma and Pa Kettle’ of movie fame, the iconic example of the form of American ‘genteel poverty’ at the time.

The confidence in the banking system in 1893 was due for an implosion based purely on internal dynamics of rampant fraud, poor-to-no accounting, a corrupt judicial system that favored the ‘special interests’ (today called ‘TPTB’, or the Deep State), and no political will to tackle the problems.

Sound familiar?

These days we have the financial system delicately balanced around a dying currency. Conditions are ripe for another banking panic.

There are notable differences between banking panics, and banking manipulations that produce crashes. The Panic of 1893 was structurally unlike the Great Depression of the 1930s. We even memorialize them in history based on their key differences. While the Great Depression was an engineered financial system ‘conversion event’ in which the controllers of the fractional reserve fiat system were converting their interest based ‘gains’ within the system into physical goods such as farm lands, thus creating the waves of ‘farmer suicides’ in the Midwest of USA in the 1930s, the Panic of 1893 was an event exogenous to the financial system of the day.

The Great Depression, and subsequent World War 2, were engineered to create just the results that history witnessed. The only time there was real panic within the financial system in the 1930s was in 1933, when the engineered slow down of the flow rates intended to allow assets to be seized by the banksters came perilously close to unleashing the Central Bank Killer, aka “deflation” as the commercial and government bonds moved towards implosion. At that point there was Big Panic within the system that originated at the top, eventually even spilling out into small scale runs against regional banks. The fear of deflation resulted in the Banksters, via the Federal government ‘authority’ of the office of the Presidency, going to great lengths to seize gold, and to outlaw it’s use by the populace.

The Panic of 1893, in contrast, was a sudden event outside the control of the ‘special interests’, today called the ‘elites’. The Panic, unlike the 1930s, was not engineered, and was the result of a loss of confidence in a bank issued currency during conditions of naturally occurring deflation, amid a period of the stabilization of commercial and consumer demand rates, while the economy was digesting the influx of inflation from gold discoveries of the previous 5 decades. Specifically, the Baring Bank issued demand notes based on illusions of growth within the Argentine economy, which failed to materialize. The Baring Bank, so the history back story goes, then paid to foment a coup in Argentina to try to force conditions to support their demand note issuance. When the news of the failure of the coup reached North America, the inevitable loss of confidence precipitated a great cascading fault Panic against over 500 banks’ demand notes which all rolled back into confidence in the dollar. As the demand notes, and other, mostly fraudulent currencies were destroyed, deflation roared to life within the global banking system.

The Panic of 1893 was not named by history for the subsequent massive Depression that changed America, and the World far more than was observed during the Great Depression of the 1930s. The difference is that the depression years following the 1893 Panic, and banking system collapse, was a period of decentralized growth, whereas during the Great Depression, it was rebuilding within the same, flawed, fraudulent financial centralized system that had created the conditions.

THE basic difference was the existence of the American Central Bank, aka ‘the Federal Reserve Bank’, which is not part of the federal government, has no reserves, and is not a bank.

The Panic of 1893 changed the political landscape across America, and the subsequent depression altered the world with innovation and inventions. Think airplanes, automobiles, electric communications, asphalt roads, soda pop, vitamins, and many other inventions made the US & world patent offices very busy places from 1897 through into 1929. There was a boom in patents, both applied, and granted, not equaled since. All of this emerged during the depression following the Panic of 1893. It was noted by economic forecasters of those years that the Panic had a great and deep ‘cleansing’ effect on the economy, and the minds of the people, and that the resulting institutional ‘poverty’ was significant in removing barriers placed on the populace by those, mostly corrupt, institutions.

The pace of innovation withered following 1929 as invention and commercial creation was brought under control of the CBI (central bank infrastructure) of academic and corporate and government funded research centers. The Great Depression of 1930s merely hardened the control of the Deep State, and eliminated avenues of freedom for the populace as the fractional reserve banking system set out to conquer the planet.

Which it did, conquer the planet, that is. We are there now. Central banking owns the earth, and all its resources, including you. At least that’s what the banksters think, and say. Just go listen to any of the speeches at the World Economic Forum. You will hear them say it. And their corrupted courts will enforce that thinking on you.

The recovery from the Panic of 1893 was visible within a single year as the prompted political and systemic changes began to be backed by the populace. It took four years, until 1897, for the impacts of the Panic period to fully emerge, for the 15,000 businesses to go bust, for the 500 + banks to implode, for the people to resettle, but by then, efforts to rebuild through replacing flawed institutions, and thinking, were already being seen in both National, and international publications.

The recovery from the engineered Great Depression is arguably still on-going as the Central Banking powers granted by law during the early years of that depression are still in effect. We are still using the degraded, failed, flawed, and fraudulent Federal Reserve Note (aka ‘the dollar’), and the same political infrastructure is still in place, in fact, more entrenched, and more pervasive, than ever seen in past Ages.

The conditions we face now are remarkably similar to those in existence prior to 1893 in character, though greatly magnified by population size, and thus economic, as well as financial activity. The pressures on the financial system, now, from popular culture, capital flows, government stability, banking controller actions are all much more resembling those of the late 1880s than the 1920s.

In spite of the very large, and very public, levels of social engineering by the Central Banks of the world, trying to cause yet another Great Depression, and follow on World War, it is my opinion that we will instead witness a Banking Panic erupt.

The Panic that will erupt will be a ‘central’ banking panic. This panic, as in 1893 (and previous banking panics) will be at the level of ‘confidence in the currency’…at the level of the Federal Reserve itself. That is, like the Panic of 1893, the coming Great Panic of 2022 (or maybe 2023, though personally it seems unlikely that they can hold it together that long), will be all about faith and confidence in central bank issued currencies.

This Great Panic of 2022 will destroy the ‘full faith and credit’ of the US Federal Government. And its institutions. This will lead to the period that was labeled as Secrets Revealed within my ALTA reports.

The Secrets Revealed period will emerge due to the failure of the petrodollar financial structure that causes the Deep State to no longer have effective ways to bribe people at all levels of the ‘corruption career ladder’. This in turn leads to a great outpouring of Secrets, both large and small. The Secrets being revealed create an environment of ‘disclosure’ that was shown in my work to alter our concept of ‘transparency’, as well as ‘government’.

Deflation is again here, though caused this time by the covid scam and subsequent die-off from the vaccines. The ill, dying, and dead people from covid don’t make many demands on our consumer society. The failed war of NATO versus Russia in the Ukraine occupies the place of the failed coup in Argentina in 1893. When the reality of the failure becomes visible due to some singular event, some example that can be discussed by the populace as a meme illustrative of the emerging failure, then will the Panic of 2022 manifest.

There is not enough Xanax on this planet to calm a banking Panic.

As the Panic of 2022 unfolds, there will be mass histrionics, much from government, and banking ‘officials’ (most of whom will be gone from their positions within the next 12 months), as well as hysterics, and bad reactions within the populace.

People you know will go batshit crazy. The important thing to know when you see your relatives, friends, and neighbors acting out inappropriately, is that likely no one will remember the small incidents such your sister-in-law crying while shaking her nude fiddly bits in public.

So breathe deep and slow and remember that we are all going to be in it in a serious way, but that a cleansing Panic is a hell of a lot better than the alternative!

https://clifhigh.substack.com/p/panic-2022

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🚨NEW: Watch @BoHines sit down with @CryptoAmerica_

Watch @BoHines sit down with @CryptoAmerica_ to discuss key details of the White House crypto report including anticipated new DOJ guidance, as well as fresh commentary on the @rstormsf trial, and the nomination of @BrianQuintenz to lead the @CFTC.

00:28:43
Why Invest In XRP?

Because Ripple Is EVERYWHERE!

This is on Wall Street... NY

00:00:06
👉"You're gonna be told that there is a craft on its way to Earth.

"That 100 fxxxing percent is the lie you are going to be told."

Jeremy Corbell in January 2025

00:02:38
👉 Coinbase just launched an AI agent for Crypto Trading

Custom AI assistants that print money in your sleep? 🔜

The future of Crypto x AI is about to go crazy.

👉 Here’s what you need to know:

💠 'Based Agent' enables creation of custom AI agents
💠 Users set up personalized agents in < 3 minutes
💠 Equipped w/ crypto wallet and on-chain functions
💠 Capable of completing trades, swaps, and staking
💠 Integrates with Coinbase’s SDK, OpenAI, & Replit

👉 What this means for the future of Crypto:

1. Open Access: Democratized access to advanced trading
2. Automated Txns: Complex trades + streamlined on-chain activity
3. AI Dominance: Est ~80% of crypto 👉txns done by AI agents by 2025

🚨 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.

👉 Coinbase just launched an AI agent for Crypto Trading

In the latest episode of the XDC MENA Podcast, host Rebecah Dausen is joined by Amir Neghabian, founder of Vital Veda, to explore how blockchain is modernizing the way we approach Fitness.

Why you should tune in:
-Learn how decentralized systems can verify the authenticity of Fitness
-Discover how Web3 opens access to Fitness knowledge
-Understand XDC’s role in enabling trusted, wellness-driven ecosystems

🎥 Watch now:

Still the best infographic about total #XRP circulation, updated. (SBI Holdings fiscal year end report)

~36b left in escrow..

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The @WhiteHouse cited Pyth in its latest report on digital financial technology, linking to the network’s research on building perpetual futures.

A small mention, but a meaningful signal that onchain finance is gaining visibility in the broader policy conversation.

As discussions around modernization and regulation continue, one thing is clear: transparent, real-time market data is no longer just a back-office detail. It’s foundational to the next chapter of global finance.

The price of everything, everywhere 🇺🇸

https://whitehouse.gov/wp-content/uploads/2025/07/Digital-Assets-Report-EO14178.pdf

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PYTH: We'll Always Have Coldplay

Welcome back to The Epicenter, where crypto chaos meets corporate cringe.

But surprisingly, crypto has not been the most chaotic corner of the internet as of late.

That honor goes to the startup Astronomer, whose CEO’s cheating scandal broke the web in a glorious meme-fueled media frenzy. The company’s damage control? Hiring Gwyneth Paltrow as a “temporary spokesperson.” Do we think they’re grasping at straws or setting a new standard for PR?

Meanwhile, the markets didn’t blink. BTC is still flexing near its all-time highs. Michael Saylor’s bringing a bitcoin-adjacent money-market product to Wall Street. A pharma company just earmarked $700M to stack BNB, and analysts are calling time of death on the four-year crypto cycle. It’s a steady boom now, kittens.

A few things that are also worth noting: Winklevoss vs. JPMorgan, Visa’s take on stablecoins, and Robinhood’s Euro drama that defies the chillness of eurosummer.

Let’s get into it 👇

⛓️ The On-Chain Pulse: What’s Happening on the Front Lines of Finance

This week’s biggest news in crypto and all things digital assets

🗣️ Word on the Street: What the Experts are Saying

Stuff you should repost (or maybe even cough reword and take credit for)

Meme of the Week

🏦 Kiss my SaaS: What’s Changing the Game for Fintech

Things you should care about if you want to impress your coworkers

Closing Thoughts

From meme-fueled PR stunts to Bitcoin-backed money-market funds, this week reminded us that markets move fast—and headlines move faster. With Wall Street automating itself, fintechs beefing with banks, and even your smartphone becoming a miner, anything is possible. Stay curious, stay cynical, and as always—stay sharp and stay liquid. We’ll see you back here in two weeks.

— The Epicenter, powered by Pyth Network

 

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4 Fintech Companies 💸& Things To Know About 🤔

The fintech revolution is reshaping the way we manage, invest, and move money, breaking down traditional barriers and empowering individuals worldwide. As financial technology continues to evolve at a rapid pace, a select group of innovative companies are leading the charge by offering groundbreaking solutions that redefine banking, payments, and digital assets. Whether you’re a savvy investor, an industry professional, or simply curious about the future of finance, discovering these trailblazing fintech companies is essential to understanding today’s dynamic financial landscape.

 

  1.  Alina Invest - The AI Wealth Manager for GenZ Women

Alina is aimed at women under 25 who identify as beginner investors. They're an SEC-registered investment advisor that charges $120/year for membership. The service "buys and sells for you" and gives up notification updates of recent transactions like a wealth manager would.

👉 Getting people to invest early is crucial to building long-term wealth. One thing that holds them back is a lack of confidence and experience. Being targetted "for beginners" and people who live on TikTok should appeal. I love the sense of "we're buying and selling for you." Funds always do that, but making it an engagement mechanic is very smart. The risk here is that building a wealth business will take decades for the AUM to compound. But the next generations, Wealthfront or Betterment, will look something like Alina.

2. Blue layer - The Carbon project funding platform

Bluelayer allows Carbon project developers to take from feasibility studies to issuing credits, tracking inventory, and managing orders. Developers of reforestation, conservation, direct air capture, and other projects can also directly report to industry registries. 

👉 Carbon investing and tax credits are heavily incentivized but need transparent data. By focusing on the developers, Bluelayer can ensure the data, reporting, and credits lifecycle is all managed at the source. This is smart.

3. Akirolabs - Modern Procurement for enterprise

Akiro is a "strategic" procurement platform aiming to help enterprise customers identify risks, value drivers, and strategic levers before issuing an RFP. It aims to bring in multiple stakeholders for complex purchasing decisions at multinationals. 

👉 Procurement is a great wedge for multinational corporate transformation. Buying anything in an enterprise that uses large-scale ERPs is a nightmare of committees and spreadsheets. Turning an oil tanker-sized organization around is difficult, but the right suppliers can have a meaningful impact in the short term. That only works if you can buy from them. Getting people on the same page with a single platform is a great start.

4. NeoTax - Automated Tax R&D Credits

NeoTax allows companies to connect their engineering tools to calculate available tax advantages automatically. Once calculated, the tax fillings are clearly labeled with supporting evidence for the IRS.

👉 AWS and GCP log files and data are a goldmine. Last week, I covered Bilanc, which uses log files to figure out per-account unit economics. Now, we calculate R&D tax credits. The unlock here is LLM's ability to understand unstructured data. The hard part is understanding the moat, but time will tell.

In an era where technology and finance are increasingly intertwined, these four fintech companies stand out as catalysts for positive change. By driving progress in digital payments, asset management, lending, and decentralized finance, they are not only making financial services more accessible and efficient—they are also paving the way for a more inclusive and empowered global economy. Staying informed about their innovations can help you seize new opportunities and take part in the future of finance.

 

👀Things to know 👀

 

PayPal issued low guidance and warned of a “transition year.” The stock is down 8% in extended trading despite PayPal reporting a 9% growth in revenue and 23% EBITDA. Gross profit is down 4% YoY. PayPal's total revenues were $29Bn for the year

Adyen reported 22% revenue growth and an EBITDA margin of 46% for the full year. Adyen's total revenues were $1.75bn for the full year. The margin was down from 55% the previous year, impacted by hiring ahead of growth.

🤔 PayPal’s Braintree (unbranded) is losing market share in the US, while Adyen is winning it. eCommerce is growing ~9 to 10% YoY, and PayPal’s transaction revenue grew by 6.7%. The higher interest rate environment meant interest on balances dragged up the total revenue figure. Their core business is losing market share. Adyen is outgrowing the market by ~12%.

🤔 The PayPal button (branded) is losing to SHOP Pay and Apple Pay. The branded experience from Apple and Shopify is delightful for users; it’s fast and helps with small details like delivery tracking. That experience translates to higher conversion (and more revenue) for merchants.

🤔 The lack of a single global platform hurts PayPal, but it helps Adyen. In the earnings call, the new CEO admitted their mix of platforms like Venmo, PayPal, and Braintree are holding them back. They aim to combine and simplify, but that’s easier said than done.

🤔 Making a single platform from PayPal, Venmo, and Braintree won’t be easy. There’s a graveyard of payment company CEOs who tried to make “one platform” from things they acquired years ago. It’s crucial if they’re going to grow that they get their innovation edge back. Adyen has one platform in every market.

🤔 PayPal’s UK and European acquiring business is a bright spot. The UK and EU delivered 20% of overall revenue, growing 11% YoY. Square and Toast don’t have market share here, while iZettle, which PayPal acquired in 2018, is a strong market player. Overall though, it’s yet another tech stack and business that’s not part of a single global platform.

The two banks provided accounts to UK front companies secretly owned by an Iranian petrochemicals company. PCC has used these entities to receive funds from Iranian entities in China, concealed with trustee agreements and nominee directors. 

🤔 This is the headline every bank CEO fears. Oof. Shares of both banks have been down since the news broke, but this will no doubt involve crisis calls, committees, appearing in front of the regulator, and, finally, some sort of fine.

🤔 The "risk-based approach" has been arbitraged. A UK company with relatively low annual revenue would look "low risk" at onboarding. One business the FT covered looked like a small company at a residential address to compliance staff. They'd likely apply branch-level controls instead of the enterprise-grade controls you'd see for a large corporation. 

🤔 Hiring more staff won't fix this problem; it's a mindset and technology challenge. In theory, all of the skill and technology that exists to manage risks with large corporate customers (in the transaction banking divisions) are available to the other parts of a bank. In practice, they're not. Most banks lack a single data set and the ability for compliance officers in one team to see data from another part of the org. Getting the basics right with data and tooling is incredibly hard and will involve a multi-year effort. 

🤔 These things are rarely the failure of an individual or department; the issue is systemic. While two banks are named in this headline, the issue is everywhere. Banks need more data and better data to train better AI and machine learning. That all needs to happen in real-time as a compliment to the human staff. Throwing bodies at this won't solve the visibility issue teams have.

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What is XAH and Xahau?

If you're new to XRP, you may have noticed some of us discussing another network named 'Xahau'.

It's Like XRP ... But Different

The Xahau network was created in 2023, and its starting point was the open-source code for the XRP Ledger. A small team of researchers and entrepreneurs decided to add smart contracts to the network code.


The XRP Ledger has no smart contract capabilities, by default.

To integrate smart contracts, the team decided to use an architecture that includes 'WASM' or 'web assembly' code. Each account can have up to 10 'hooks' installed that are triggered for transactions that match specific criteria. They can run before or after a transaction is processed. This enables a variety of use cases that do not involve the need to change the network's core code.

Hooks

A 'hook' is what is known as a smart contract that can be triggered in relation to a specific account and its transactions.

The term arises from the programming world, where it generally means "code that runs based on triggering conditions." In Xahau's case, it indicates code that is run before, or after, a transaction is processed.
 
Each hook must be installed on a specific account by the party that controls the account - i.e., the secret key holder.
 
What Can XAH Do That XRP Cannot?
 
The primary benefit from the use of hooks, is that the core network code does not need to be changed every time a new use case is identified. This means that additional use cases can be addressed immediately, with no requirement for intervening steps, such as:
  • Community review
  • Community approval
  • Amendment voting
All of those steps are eliminated with the use of hooks; new use cases can be addressed as fast as the code can be developed.
 
To read more about how hooks enables Xahau to handle more use cases than even the XRPL, you can read this article:
 
Key Differences From XRP
 
Other unique differences from the XRP Ledger include:
  • Much smaller supply ~612 million coins vs. 100 billion coins
  • XAH hodlers are rewarded at 4% of their account balance. There are no rewards for XRP.
  • Governance participants are incentivized
  • Payment channels available for user-created tokens (IOUs)
  • URI tokens instead of NFT tokens
Who's Who of Xahau?
 
The list of those that are either founders, or closely associated with the founding organizations, is extensive. Here are the names of three organizations mentioned in the whitepaper, or their current moniker:
  • Xaman (a.k.a. XRPL Labs)
  • Gatehub
  • InFTF (Inclusive Financial Technology Foundation)
There exists a long list of impressive developers, architects, and technologists among the Xahau inner circle. But the three names that people associate most prominently with the leadership of the Xahau network are Wietse Wind, Richard Holland, and Denis Angell. The links to their 'X' accounts are:
 
Friend Or Foe?
 
This topic is one of the most contentious.
 
While Ripple, the company with the largest stake of XRP, showed interest in hooks early on, they ultimately decided to advocate for a different approach; the use of an EVM-based solution (Ethereum Virtual Machine) to handle smart contracts on the XRP Ledger. This decision was met with consternation by the Xaman team that had worked with them for several years to advocate for the use of hooks.
 
You can read more about the 'business politics' part of this topic here:
 
So how do Xahau fans view the relationship between XRP and XAH?
 
The Xahau team - and many of its community members - advocate for the use of a 'dual-chain' solution to implement smart contracts. This can be accomplished by the use of 'listener' software, along with native Xahau hooks.
 
A proof of concept, developed by Denis Angell, has demonstrated that bi-lateral communication can work with a simple approach.
 
From an economic standpoint, every chain that has its own digital asset is a competitor; but the simple way to think about Xahau, is that a 'bunch of XRP geeks' decided to implement smart contracts on their own version of the XRP Ledger.
 
The team emphasized transparency along the way, and initially received support from the primary XRP stakeholder, Ripple. They published Xahau as open-source code that could, in theory, be back-engineered and integrated with the XRP Ledger. You can clearly observe the team's idealistic mindset in early marketing mistakes, where they named their digital asset 'XRP Plus' in an effort to emphasize the way that they viewed their creation. While this resulted in confusion - and even suspicion - in its early days, the team quickly pivoted, and named their digital asset 'XAH', which became its ticker symbol.
 
Synergy effects between the two camps speak to a genuine camaraderie, with many Xahau developers being open and willing to help with changes to the core XRP Ledger protocol. You can find many examples of this open dialogue on the 'X' platform.
 
How To Purchase XAH
 
If you wish to speculate by buying XAH directly, it is available in a variety of convenient locations, depending on where you are located. If you're in a country that is supported by Bitrue, you can directly purchase or trade XAH by using that exchange.
 
On January 20th, 2025, Bitmart announced that it supports trading of XAH for customers in their list of supported countries; And in late March, another major exchange announced that they would be supporting XAH trading pairs: Coinex.
 
If you're located in the United States, you can purchase XAH directly from a vendor known as 'C14'. The xApp for C14 is located in the Xaman wallet.
 
XRP Ledger geeks can also purchase XAH IOUs on the XRPL Dex and then convert them to 'real' XAH using a Gatehub bridge. This is available in countries that Gatehub supports.
 
Which XAH Accounts Should I Follow?
 
On the 'X' platform, there exists two major community groups for XAH fans:
In addition to the Xahau notables I've already mentioned in this article, my advice is to take a look at who is posting in the above two communities. There are many impressive leaders and entrepreneurs included. You should be able to find multiple 'X' accounts that reflect your interests.
 
Xahau Development Roadmap
 
Xahau leaders have published a roadmap for 2025 that lists their various goals for the ecosystem:
 
To read a detailed explanation for each item, refer to this: Xahau Roadmap Super Thread
 
One of the most incredible waypoints listed is 'JavaScript Hooks Implementation.' 🤯
JavaScript!
 
With the 'JavaScript Hooks Implementation', Xahau is making history; it will enable anybody that knows JavaScript to easily create and install a smart contract. While networks like Ethereum are impressive early movers, they require developers to learn a new language and syntax.
 
Xahau will soon open 'crypto smart contracts' to a group of developers that number in the tens of millions.
 
Project L-10K
 
Project L-10K is one of the most important items in the pipeline. L-10K refers to the effort to boost the throughput of Xahau consensus to over 10,000 transactions per ledger! This will benefit hosted projects such as Evernode, and future issued assets. Heading up the effort is Richard Holland, who provided a progress update to the community in late May of 2025:
 
To learn more about this ambitious effort, you can watch his full presentation here:
The Future Of Defi And Payments
 
Once you've seen the extensive list of use cases that XAH easily handles, it's truly inspiring. Xahau is everything that you love about XRP, plus a long list of more things to love. ❤️
 
Be an early adopter of XAH and the Xahau network! Join the community groups listed and follow the accounts that seem to reflect your own interest - speculator, developer, or crypto fan. You have a place in our community, no matter what your background or interests are. Welcome to the future of crypto Defi and Payments
 
Sources:
 
 
NOTE: Payment channels for IOUs is currently in amendment status for the XRP Ledger, authored by Denis Angel here:
 
 

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1) Simply scan the QR code below 📲
2) or visit https://www.paypal.me/thedinarian

🔗 Crypto – Support via Coinbase Wallet to: [email protected]

Or Buy me a coffee: https://buymeacoffee.com/thedinarian

Your generosity keeps this mission alive, for all! Namasté 🙏 Crypto Michael ⚡ The Dinarian

 
 
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