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ECB Raising Rates Is Europe's Last Chance To Avoid Ground Zero

No matter what happens, as long as Davos feels they have control over US foreign policy they will continue to act as if everything is coming up roses for them as they trash the global economy.

This is why I find the myriad attacks against a mostly clueless Joe Biden so interesting right now. Is there a Davos pivot in the offing or is this another signal that sovereigntist forces within the US power structure are gaining the upper hand?

With that question in mind let’s put some context on recent European events and what they say about the global story unfolding in front of us.

The ECB finally raised rates for the first time since 2011, bringing the deposit facility rate to 0.0%, because I guess it would be beneath ‘European values’ for banks to have to pay to borrow money stolen from savers.

Some would be shocked (SHOCKED, I SAY!) that the ECB went up by 50 basis points (0.5%) today, but given the dramatic events in Italy just yesterday, how could they have really done otherwise without looking like the out of touch midwits they, in fact, are.

They just lost their top man in Italy and it looks like the populist right is set to take power in a core EU country in a couple of months without any of the Davos poison pill legislation getting passed.

Sound familiar? The same thing happened in the US last year and we’re now staring down the barrel of an historic wipeout of the Democrats in November’s mid-terms.

This is a real, serious loss for Davos, as I outlined in last week’s article on Draghi’s first resignation attempt.

But at the same time that the ECB raised interest rates, it also announced a new ‘without limit’ QE program called the Transmission Protection Instrument, because, as Zerohedge rightly points out, calling it “Italy specific QE sounds a little gauche.” I’d add it’s also against core European values like telling the truth.

ECB President Christine Lagarde was in full control in trying to outline this new experiment in monetary policy, clearly now more “art than science,” to quote Lagarde from the Before Time, you know, last week.

“We have everything under control,” has been the theme of all the headlines coming out of Europe this week. No matter the subject, even little things like the collapse of Mario Draghi’s Davos-backed government in Italy, can derail the European project.

It’s all good, we just have to stay the course, be ‘data-driven,’ and not yield on Europe’s core values, which, at this point amount to, trusting the arsonists to run the fire department.

To give you an idea of how deeply embedded this controlling idea is, earlier this week it was the statement from EU “Foreign Minister” Josep Borrell. Europe, he said, must keep the pressure on Russia. It cannot “afford sanctions fatigue.” It needs to keep pressuring Russia’s economy for the long haul. We must keep up the saturation bombing of Russia’s financial system no matter how many of those bombs land in Rome, Athens or Berlin rather than Moscow.

The unstated goal of these sanctions is to keep advanced technology out of Russia’s hands to domestically produce the weapons it will need to fight off NATO, not next month, but next year or in 2024.

This is a long term plan. In an episode of RT’s Crosstalk I taped earlier in the week, host Peter Lavelle brought up the Biden Administration quotes about this being a 20-year war against Russia and/or China.

Pompeo’s “Three Lighthouses” speech was the same conclusion; a generation of Americans are going to have to fight a holy war against the East for control over global energy. Too bad no one wants to sign up to join, Mike.

They only have the existing plan and they were put in place to execute it, even if others counter it effectively. Biden is also on the same script, but he’ll be gone soon because he’s no longer a credible messenger. Then we’ll bring in Kamala “We Gathered here, because here is where we are gathered” Harris to be the Moron-in-Chief at the White House.

Because, they remind us constantly, those uncouth Yanks can’t be allowed to run anything.

With that in mind, look at what else the EU put out this week:

When’s the last time you saw any set of economic indicators come in perfectly in line with expectations like this? Seriously? This would be the first forecast by a European agency that they ever got right?

Moreover, if this is true, why did this CPI print push the ECB to raise rates by 50 bps versus 25 bps? I mean, they expected this CPI print, right? So shouldn’t they have been communicating 50 bps the entire time?

There is logic and then there is the E.C.B.

It’s just a desperate narrative to keep up appearances they have everything under control, that they are on top of the economic situation and there is no reason for anyone to panic.

Because panic, or ‘unwanted and unwarranted’ (Lagarde’s words) changes in credit spreads will prompt the use of the TPI to keep the Central Bank That Davos Built from going bankrupt.

For the EU however, the clock is ticking down fast. It’s the Fed’s turn next week and with this 50 bps raise, you almost have to expect 100 bps from Powell.

Remember that Eurocrats like Borrell and Lagarde have no Plan B (but maybe a Plan R, sadly).

Reversals of Fortunes
I invoked Dr. Strangelove here for a reason. Watch the movie again structurally, note the myriad of ‘reversals’ in it. It’s a marvel of screenwriting. It shows you how clever humans are when they are single-minded in overcome obstacles to completing a task, operating as if the false is true.

There is no better metaphor for the current state of capital markets and political warfare than that.

I talk about reversals all the time in technical analysis of markets, but it’s an idea that is embedded deeply in storytelling. The first key to writing a great screenplay is knowing every scene has to have a ‘reversal of value.’

A reversal of value can be as simple as a cold person finding a hat, to a poor person finding a suitcase full of money.

The scene, no matter how small, has a controlling idea. That controlling idea has to change a value in some way or the scene has no purpose.

Good editors leave them out. Studios put them back in to sell ‘Director’s Cuts’ on Blu-Ray.

The EU is all about Director’s Cuts of unwatchable French ‘Cinema.’

Reversals are important, they create and release tension. Good writing constantly builds up small reversals to set the stage for larger ones (Scene Arcs) which impact bigger ones (Acts) and so on.

The Eurocrats and Davos don’t believe in reversals. They believe in inevitability and if they can just ‘stay on script’ no matter the complication which has negated their plan, they can still get to the finish line and win.

This is what happened at the ECB’s pivotal meeting this week. They are staying the course. 2% inflation is the goal. Lagarde dropped all forecasts and talk of inflation being ‘transitory.’ Even though circumstances have reversed against them and they finally admitted it publicly, they won’t give up the overall narrative that everything is fine.

Europe’s values can only be expressed through the EU and therefore anything to save the EU saves European values. Maybe Kamala can crib from that one.

Thank the gods we uncouth Yanks left those European values behind, only to have them constantly try and impose them on us at every turn.

To many investors the Fed had their pivotal meeting last month when they raised 75 bps, but that reversal of Fed policy was only in their minds. In fact, as I’ve been saying for more than a year now, the Fed’s pivotal meeting wasn’t this past June but the one from June 2021, when ‘stealth tightening’ through reverse repo payouts began.

That set in motion as series of complications for the ECB and Davos which have been piling up like those thrown in front of the people trying to stop Armageddon in Dr. Strangelove. The ECB finally realizes that there is nothing to do now but to accept the smoking ruin and face reality.

Stay on Target. Stay on TARGET
What we are seeing in the markets this week after the euro briefly broke parity with the US dollar is the predictable bounce which comes after a major scene arc was completed. The euro hit $1.03 and no further.

But it’s just that, a bounce, a brief comic interlude to release the tension.

Lagarde’s performance was her admission of a ‘credit-spread gap’ that is now unbridgeable. Italy’s debt is headed towards oblivion and the ECB just said they will spend every euro of German savings to avoid that for as long as possible.

So, we have this idea that the ECB is on top of everything. But, what about the war in Ukraine? What about the EU’s future?

The next headline is just as much of a stunner, in the face of a fracturing EU and Mario Draghi’s tenuous hold on power in Italy: EU Starts membership talks with Albania, North Macedonia

Translation: Don’t worry, the EU is healthy and everyone wants to be a member. We will only grow stronger, not weaker. We will absorb all of Europe, claim NATO from the Americans, force them to fight China while we starve Russia.

This is fine.

This is all part of the script. But, it’s clearly not.

This is what they want us in the West to see, what we’re only allowed to find in internet searches. Meanwhile, the Russians tell you what Europe is really doing, namely lifting sanctions and desperately trying to get the energy and food it needs to stay one step ahead of the hangmen outside of parliaments all across the ‘civilized world.’

The truth is, for the first time in a very long time, Davos is not calling the shots for the entire West. Italy’s government is gone because the populists were told they have US backing to end Draghi’s reign of terror.

Certified Ph.D. in Geography Liz Truss has even odds of becoming the next UK Prime Minister to keep US control over City of London strong and the UK in the game.

Canada raised rates by 1% the other day, prompting comments about it having to follow, if not one-up, the Fed. Clearly, the Canadian banks have had enough of Justin TrueDOH! and his Ukrainian Fifth Columnist, Davos chick Chrystia Freeland.

And next week, the Fed will raise the stakes again on Lagarde regardless of what she said today. TPI is unusable garbage which traders will front-run her into oblivion over. If she wants to know what that feels like maybe she should talk with Kuroda over at the Bank of Japan rather than her data-driven experts in Brussels.

My last point is the one so many people do NOT want to hear, but better consider very carefully. Anti-American commentators do not understand what is happening.

They cannot wrap their brains around the idea that there are forces within the US hierarchy who see the Imperial Trap for what it is and that if it continues it will be the end of the US. That the Fed is facing an existential threat to its survival and that they have far more wiggle room than they think.

Maybe, just maybe, the giants are fighting and we ants have a hard time distinguishing between not only who’s winning but whose footsteps we should avoid.

At some point the whole illusion will come crashing down. Europe is the old whore who still thinks she’s a hot twentysomething. The Fed is the guy at the bar who’d rather drink alone.

One only has to really look at the image Lagarde and EU Commission President Ursula Von der Leyen project to the world to see exactly what I’m talking about. Thank the gods Merkel left the scene.

These ladies will stay on script while riding the bomb to ground zero thinking they have dance partners the entire time.

https://www.zerohedge.com/geopolitical/ecb-raising-rates-europes-last-chance-avoid-ground-zero

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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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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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