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Brazil CBDC trials: farm lending explored by Digital Asset, Oliver Wyman, VERT

Highlights:

⚈Establish a dividing line between central bank, commercial bank money
⚈Directed farm lending not meeting targets with branch closures
⚈Automate the lending application process
⚈Programmable money ensures money is spent appropriately
⚈Create a marketplace for banks to bid on loans

In March, Banco Central do Brasil unveiled nine participants in its Real Digital Lift Challenge, a central bank digital currency (CBDC) trial. One of the projects focuses on directed farm lending.

Initially, the lending will be in tokenized commercial bank money, which could later switch to have the tokens backed by CBDC. Michael Wagner, a partner at Oliver Wyman, observed that it is important to test the resilience of programmable money in day-to-day applications before launching a CBDC.

At a big picture level, if the lending is going to switch from commercial bank money to CBDC, what’s the role of the commercial bank? In this case,account services such as facilitating loan requests wouldbe allocated to the banks, preserving the two-tiered banking system.

With directed lending, banks provide loans at lower interest rates to farmers, which are costly to service under the traditional banking system. CDBC funding for these loans would free up bank balance sheets for more profitable lending operations.

“This project is giving the Central Bank of Brazil and the commercial banks some time to practically use a system and technology to determine where that dividing line is (between CBDC and commercial bank money),” said Kelly Mathieson, Chief Client Experience Officer at Digital Asset. “Where can you still preserve the two-tiered banking system and at the same time get more lending into these small and family farmers?”

It’s also exploring a different dividing line relating to privacy. The central bank wants to see all transactions and support privacy. So it will see the transactions but not the individual farmer’s name.

For this use case, there are three partners. Blockchain firm Digital Asset is known for its Damlsmart contracting language, stock exchange work, and, more recently, its push into CBDC. It’s joined by management consultants Oliver Wyman and VERT Capital which securitizes agricultural loans.

What problem is CBDC trying to solve?
Brazil has significant agricultural programs that direct low-cost lending to farmers. The largest program is targeted at the smaller end of the scale, but even though cheap money is on offer, it is underutilized.

The government used to penalize banks that didn’t lend enough to farmers, but that has weakened over the last few years. And banks are closing branches, particularly in less profitable rural areas.

Because applying for an agricultural loan is non-trivial, the reduction in bank branches is having an impact. There are many specific programs for fertilizer, seed and other goods. Often an agronomist needs to get involved in confirming the farm is compliant, increasing the costs of providing the loans.

The big picture solution
Oliver Wyman, Digital Asset and VERT are working on a program to digitalize the process for agricultural lending and reduce the barriers to getting funds to the farmers.

The solution involves multiple aspects:

digitalizing and automating the lending application process
programmable money to ensure funds are used as intended
a marketplace for agricultural lenders.
Using a digital approach, the farmers are guided through the loan application with a series of questions. This can streamline some of the expensive work done by an agronomist. Instead of the agriculture expert spending time drawing up a plan, they certify the validity of the proposal.

Additionally, agronomists frequently help with education which can be delivered digitally. For example, it’s natural for farmers to want to economize on the cost of fertilizer. However, more expensive fertilizer can produce higher quality crops and a better farming yield, which more than pays for itself.

From programmable money tokens to CBDC
In addition to digitalizing the lending process, the solution uses programmable money. It’s not the CBDC itself that’s programmable, but a separate programmable token that in the future could be backed by the CBDC. Programmable money aims to ensure that the loan funds are used as intended. While there’s a relatively low default rate for small farm loans, those non payments are often the result of misuse of proceeds.

“The challenge is that there are no parameters around how the funds can be used,” said Oliver Wyman’s Wagner. “In some cases (not all) individuals are using the loan proceeds to purchase general consumer goods rather than necessary farming equipment, such as fertilizer.”

Programmable money means that the funds can only be spent at approved farm shops, and it’s viable to control the amount spent on fertilizer, seed or other farming items.

In Brazil, a substantial part of the mechanism is already in place to make it possible to monitor how the money is spent. All invoices in Brazil are electronic, which means they can be checked to ensure that the purchased fertilizer or seed is of adequate quantity and quality.

VERT Capital, the third partner in the LIFT Challenge team, securitizes agricultural loans, so they have already integrated with farm shops. However, currently the loans VERT deals with are for the more industrialized mid-tier agriculture businesses, as opposed to the smaller farms.

Using distributed ledger and smart contract workflow with Daml, the tracking of usage based on invoices is combined with programmable money to reduce loan default risk significantly.

“It brings down not only the cost to deliver the loan, so the operational cost, but also the risk cost,” said Wagner. “And certainly also the compliance cost, creating an environment that will create a big uplift to the agricultural segment in Brazil.”

Creating a marketplace
So far, the solution helps farmers apply for loans digitally and monitors that the funds are used for appropriate purposes. The other side of the process is the provision of loans by commercial banks. There will be a marketplace where the banks can bid for the loans.

Digital Asset’s Mathieson drew a parallel between the company’s workflow projects for stock markets and the farm lending solution, which in many ways also has ‘market rules’.

“You want to be able to embed the market rules in the workflow with transparency: the conditions on which lending becomes available by whom, when, to whom and what it can be used for,” said Mathieson.

Circling back, a key central bank objective is to revisit the dividing line between central bank money and commercial bank money. This project involves loan subsidies through directed lending, so a CBDC makes sense. But those loans currently use commercial bank money. So the CBDC needs to make the process cheaper to incentivize banks.

“It is important to look at market-based mechanisms of adoption, where it makes sense for the banks to just give up commercial bank money in favor of CDBC to allow for the smooth introduction of a CDBC,” said Wagner. “Which I think is an important aspect. Because you can sit there and design the perfect system, but the minute you put it live, it adapts to market realities.”

https://www.ledgerinsights.com/brazil-cbdc-trials-farm-lending-digital-asset-oliver-wyman-vert/

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"The World Order That We Are Coming Into"

If XRP is the neutral bridge for all sovereign currencies, stablecoins, and tokenized assets, then it’s not just facilitating payments, it’s capturing all that value at every level. From smart contracts to tokenized treasuries and digitized assets, XRP forms the foundation and backbone for everything in between.

With cross-border payments representing a multi-trillion-dollar corridor, that’s where the largest capital will flow and the greatest returns will come from.

At this point, you’re the gatekeeper to the digital economy. Everything else follows or fades away once regulations take effect.

You either see it or you won’t until it’s too late.

~The Black Swan Capitalist

00:01:50
Denelle Dixon (Stellar CEO) On Bloomburg 🚀

'Everyone, including Mastercard and Visa, is looking at how this technology can make finance easier for their consumers and their business. I don't think there is going to be a loser, but I do think there will be shake-ups. And ultimately, the consumer is going to win.' - SDF CEO @DenelleDixon on @BloombergTV

00:05:29
We are minutes away from passing the GENIUS Act.
00:01:19
👉 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
🚀 On-chain Yield Meets Wall Street! 🚀

IXS, in partnership with OpenTrade, has launched the BlackRock High-Yield Corporate Bond Vault—bringing real-world bond yields to DeFi. Here’s why this is a game-changer:

🔹 Access BlackRock’s iShares 0–5 Year High Yield Corporate Bond ETF (SHYG) on-chain
🔹 Earn up to 8.5% APY, with daily interest accrual and zero fees during promo
🔹 Deposit USDC on Avalanche—no brokers, no onboarding delays
🔹 Withdraw anytime—no lockups, no gas hurdles
🔹 Backed by $6.4B in assets and a 4-star Morningstar rating
🔹 Real yield from real bonds, not just simulated returns
🔹 Fully tokenized, compliant, and always-on for digital-first investors
🔹 Brings institutional-grade fixed income directly to on-chain capital

The future of yield is here: transparent, credible, and powered by the world’s largest asset manager. 💎🌐

https://www.ixs.finance/news/ixs-launches-blackrocks-high-yield-corporate-bond-vault

https://coinmarketcap.com/currencies/ix-swap/

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👀 OBE Master DISCOVERS MASSIVE CITY Underneath GREAT PYRAMID - Scientists CONFIRM! | Darius J. Wright

Darius J. Wright discusses his out-of-body experiences revealing ancient technologies and structures beneath the Great Pyramid, suggesting they were built by the Anunnaki. He describes tunnel systems, tablets encoded with Crystal Light information, and the presence of entities from various dimensions.

Darius emphasizes the pyramids' role in energy manipulation and transportation, using sound and frequency. He also highlights the importance of purifying the body to enhance psychic abilities and achieve true freedom.

The conversation touches on the spiritual implications of these discoveries and the potential for humanity to unlock advanced technologies and achieve higher consciousness.

Timecodes:
0:00 - Episode Teaser
5:35 - How does Darius leave his body?
7:19 - Is astral travel dangerous?
13:36 - Were giant trees real?
16:45 - Are fairies and gnomes real?
21:03 - What’s the purpose of the tunnels?
23:29 - Were pyramids stargates?
26:15 - Who built the pyramids?
27:23 - What’s inside the ...

📚 How to Liquid Stake XPRT and Add Liquidity to stkXPRT/XPRT Pool on Persistence DEX 📚

Dinarian Note: The tutorial shows you how to turn your XPRT into Liquid staked stkXPRT, which can then on top of being staked earn you extra yield via the pools on the Persistence DEX. Note: I put a list of the current pools available below. Check out the APR% on these 😉 This is what makes Defi so attractive to investors. Putting your money to work 101. Instead of just staking your XPRT for 16%, you can put it in a pool and make upwards of 50% or more. Note: These values constantly fluctuate. Even if you don't want to partake in this, it's good practice and extremely good to know! This will be invaluable once your a multi-millionaire, unless you plan on keeping your funds in a criminal run BANK! 🤣

⚠ If you reside in the USA, you MUST use a VPN. I set it to Singapore and it works just fine! ~ Namasté 🙏 Crypto Michael ⚡ The Dinarian


This tutorial will guide you through the process of adding liquidity to the stkXPRT/XPRT pool on Persistence DEX.

Table of Contents:

🔹 How to ...

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Dubai regulator VARA classifies RWA issuance as licensed activity
Virtual Asset Regulatory Authority (VARA) leads global regulatory framework - makes RWA issuance licensed activity in Dubai.

Real-world assets (RWAs) issuance is now licensed activity in Dubai.

~ Actual law.
~ Not a legal gray zone.
~ Not a whitepaper fantasy.

RWA issuance and listing on secondary markets is defined under binding crypto regulation.

It’s execution by Dubai.

Irina Heaver explained:

“RWA issuance is no longer theoretical. It’s now a regulatory reality.”

VARA defined:

- RWAs are classified as Asset-Referenced Virtual Assets (ARVAs)

- Secondary market trading is permitted under VARA license

- Issuers need capital, audits, and legal disclosures

- Regulated broker-dealers and exchanges can now onboard and trade them

This closes the gap that killed STOs in 2018.

No more tokenization without venues.
No more assets without liquidity.

UAE is doing what Switzerland, Singapore, and Europe still haven’t:

Creating enforceable frameworks for RWA tokenization that actually work.

Matthew White, CEO of VARA, said it perfectly:

“Tokenization will redefine global finance in 2025.”

He’s not exaggerating.

$500B+ market predicted next year.

And the UAE just gave it legal rails.

~Real estate.
~Private credit.
~Shariah-compliant products.

Everything is in play.

This is how you turn hype into infrastructure.

What Dubai is doing now is 3 years ahead of everyone else.

Founders, investors, ecosystem builders:

You want to build real-world assets onchain.

Don’t waste another year waiting for clarity.

Come to Dubai.

It’s already here.

 

Source

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If you find value in my content, consider showing your support via:

💳 PayPal: 
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🔗 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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🎬Proof the Deep State Planned This War for Years🎬
Nation First outlines how the Israeli attack on Iran was planned by the Deep State and the Military Industrial Complex over 15 years ago.

Prepare to have your mind blown

~Namasté 🙏 Crypto Michael ⚡ The Dinarian

Dear friend,

What just happened in Iran wasn’t a surprise attack. It wasn’t a last-minute decision. It wasn’t even Israel acting alone.

It was a war plan written years ago — by men in suits, sitting in think tanks in Washington and New York. And yesterday, that plan was finally put into action.

Here’s the truth they don’t want you to know: this war was cooked up long before Trump ever became President — and it was designed to happen exactly this way.

Let’s start with what just happened.

Israel launched a massive, unexpected strike on Iran. They hit nuclear facilities. They killed military generals. They struck deep inside Iranian territory — and now the whole region is on edge, ready to explode into full-blown war.

The media is acting shocked. But I’m not. You shouldn’t be either.

Why?

Because we have the documents. They told us this was coming. Years ago.

Exhibit A: The Brookings Institution.

The Brooking Institution is a fancy name for what’s basically a war-planning factory dressed up as a research centre. Back in 2009, Brookings published a report called Which Path to Persia?

It laid out exactly how to get the U.S. into a war with Iran — without looking like the bad guy.

Here’s the sickest part:

“The United States would encourage — and perhaps even assist — the Israelis in conducting the strikes… in the expectation that both international criticism and Iranian retaliation would be deflected away from the United States and onto Israel.”

Let that sink in.

They literally suggested using Israel to start the war, so America could stand back and say, “Wasn’t us!”

They even titled a chapter of this report: “Leave It to Bibi” — naming Netanyahu as the guy to light the match.

Exhibit B: The Council on Foreign Relations (CFR).

The Council on Foreign Relations is an another Deep State operation. Also in 2009, CFR published a “contingency memothat laid out the whole military plan for an Israeli strike on Iran — step by step.

  • What routes the jets would fly (over Jordan and Iraq).

  • What bombs they’d use (the biggest bunker-busters in the U.S. arsenal).

  • Which Iranian sites to hit (Natanz, Arak, Esfahan).

  • And how Iran might respond (missiles, drones, threats to U.S. bases).

It’s like they had a time machine. Because those exact strikes just happened following the routes, likely using the bombs and hitting the sites that the CFR outlined.

Exhibit C: The Plot to Attack Iran by Dan Kovalik.

This one really blows the lid off.

US human rights lawyer and journalist Dan Kovalik, in his book The Plot to Attack Iran: How the CIA and the Deep State Have Conspired to Vilify Iran, shows how the CIA and Israel’s Mossad have been working together for decades — not just watching Iran, but actively sabotaging it. Killing scientists. Running cyberattacks. Feeding lies to the media to make Iran look like it’s always “six months away” from building a nuke.

He even reveals how they discussed false flag attacks — faking an Iranian strike to justify going to war. That’s not a conspiracy theory. That’s documented strategy.

And here’s where President Trump comes in.

Unlike the warmongers who wrote these plans, Trump wasn’t looking to bomb Iran. He wanted to talk. Negotiate. Make a deal — like he did with North Korea.

In fact, peace talks with Iran were just days away.

But someone didn’t want peace. Someone wanted war.

So Israel went in — just like the Brookings script said — and lit the fuse.

Trump didn’t authorise it. He didn’t want it. But they gazumped him. They went around him. And now, the peace he was trying to build has been blown to bits.

This was never about Iran being a threat. It was about keeping the war machine fed.

Think tanks, defence contractors, foreign lobbies — they don’t profit from peace. They thrive on tension. On fear. On war.

And now, thanks to them, the world’s one step closer to the edge.

If you’ve never trusted the mainstream media, you’re right not to.

If you’ve ever suspected there’s a shadowy agenda behind every war, you’re not paranoid.

You’re paying attention.

Because the documents are real. The war was planned. And the bombs are falling — right on schedule.

Pray for Iran’s civilians.

Pray for the Israelis caught in the crossfire.

Pray for a President who still wants peace.

And pray that we wake up before it’s too late.

Because the war has started.

But the truth has just begun to spread.

Until next time, God bless you, your family and nation.

Take care,

George Christensen

Source:

George Christensen is a former Australian politician, a Christian, freedom lover, conservative, blogger, podcaster, journalist and theologian. He has been feted by the Epoch Times as a “champion of human rights” and his writings have been praised by Infowars’ Alex Jones as “excellent and informative”.

George believes Nation First will be an essential part of the ongoing fight for freedom:

The time is now for every proud patriot to step to the fore and fight for our freedom, sovereignty and way of life. Information is a key tool in any battle and the Nation First newsletter will be a valuable tool in the battle for the future of the West.

— George Christensen.

Find more about George at his www.georgechristensen.com.au website.

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The Possible Impact Of USDC On The XRP Ledger And RLUSD
Key Points
  • It seems likely that USDC on the XRP Ledger (XRPL) boosts liquidity, benefiting XRP, though some see it as competition for RLUSD.
  • Research suggests both stablecoins can coexist, enhancing the XRPL ecosystem.
  • The evidence leans toward increased network activity being good for XRP, despite potential competition.

The recent launch of USDC on the XRP Ledger has sparked discussions about its impact on the ecosystem, particularly in relation to RLUSD, Ripple's own stablecoin. This response explores whether this development is more about competition for RLUSD or if it enhances liquidity on the XRPL, ultimately benefiting XRP.
 

Impact on Liquidity and XRP

The introduction of USDC, a major stablecoin with a $61 billion market cap, likely increases liquidity on the XRPL by attracting more users, developers, and institutions. This boost can enhance DeFi applications and enterprise payments, potentially driving demand for XRP, the native token used for transaction fees. While some may view it as competition for RLUSD, the overall effect seems positive for the XRPL's growth.
 

Competition vs. Coexistence with RLUSD

USDC and RLUSD cater to different needs: USDC appeals to those valuing regulatory compliance, while RLUSD, backed by Ripple, may attract users preferring ecosystem integration. Research suggests both can coexist, increasing options and fostering innovation, rather than purely competing.
 

Detailed Analysis of USDC on XRPL and Its Implications

The integration of USDC on the XRP Ledger (XRPL), announced on June 12, 2025, by Circle, has significant implications for the ecosystem, particularly in relation to RLUSD, Ripple's stablecoin launched in 2024. This section provides a comprehensive analysis, exploring whether this development is more about competition for RLUSD or if it enhances liquidity on the XRPL, ultimately benefiting XRP.
 

Understanding RLUSD and Its Role

RLUSD, Ripple's stablecoin, received approval from the New York Department of Financial Services (NYDFS) in 2024 and is designed to be fully backed by cash and cash equivalents, ensuring stability. It is available on both the Ethereum and XRP Ledger blockchains, aiming to enhance liquidity, reduce volatility, and serve cross-border payments. With a current market cap of $413 million, RLUSD is smaller than USDC's $61 billion but has regulatory credibility, particularly appealing to institutions.
 

Impact of USDC on the XRPL

The launch of USDC on the XRPL is a significant development, given its status as the second-largest stablecoin by market cap.
 
Key impacts include:
  • Liquidity Boost: USDC's integration can attract more users, developers, and institutions, increasing overall liquidity. This is crucial for DeFi applications, as Circle's announcement emphasizes its use in liquidity provisioning for token pairs and FX flows.
  • Increased Utility: USDC enhances the XRPL's utility for enterprise payments, financial infrastructure, and DeFi, potentially making it more attractive for global money movement and transparent settlements.
  • Regulatory and Institutional Appeal: As a regulated stablecoin issued by Circle, USDC can bring institutional users to the XRPL, aligning with Ripple's goals for regulated financial activities.
  • Network Growth: Supporting a widely recognized stablecoin like USDC on 22 blockchains, including the XRPL, increases the network's visibility and adoption, potentially driving more activity.

Competition vs. Complementarity with RLUSD

While USDC's launch could be seen as competition for RLUSD, the evidence suggests a more nuanced relationship:
  • Competition: Both are stablecoins on the XRPL, and USDC's larger market presence ($61 billion vs. RLUSD's $413 million) might attract users and developers away from RLUSD. However, competition can drive innovation, such as lower fees or better services, benefiting the ecosystem
  • Complementarity: Different stablecoins cater to different needs. USDC appeals to users valuing regulatory compliance and widespread adoption across multiple blockchains, while RLUSD, backed by Ripple, may attract those preferring ecosystem integration and regulatory approval from NYDFS. The XRPL can benefit from having multiple options, increasing liquidity and fostering a diverse ecosystem.
  • Coexistence Benefits: Research suggests that having multiple stablecoins enhances liquidity and provides users with more choices, potentially leading to higher network activity. For example, institutions might use USDC for global payments and RLUSD for specific XRPL-integrated applications, creating a symbiotic relationships.

Impact on XRP

The introduction of USDC, alongside RLUSD, is likely beneficial for XRP, the native token of the XRPL, for several reasons:
  • Increased Liquidity and Activity: Higher liquidity on the XRPL, driven by both stablecoins, can increase transaction volumes. XRP is used for transaction fees, with some fees burned, potentially reducing supply over time and increasing demand.
  • DeFi and Enterprise Use Cases: Both USDC and RLUSD enhance DeFi and enterprise applications, such as liquidity pools and cross-border payments, which can drive demand for XRP as a settlement token.
  • Network Growth: A more liquid and active XRPL is more attractive to developers and users, potentially leading to long-term growth for XRP, as increased utility can drive its value.
Expert analyses, such as those from u.today and ledgerinsights.com, suggest the launch is a "massive boost" for liquidity and adoption, with RLUSD also playing a significant role.
 

Comparative Analysis: USDC vs. RLUSD

To further illustrate, consider the following table comparing key attributes:
 
Given the evidence, it is more accurate to view the introduction of USDC on the XRPL as beneficial for liquidity, which is ultimately good for XRP, rather than solely as competition for RLUSD. The XRPL benefits from increased options, with both stablecoins enhancing liquidity, utility, and network growth. While some competition exists, the overall impact is positive, fostering a robust ecosystem that can drive demand for XRP. This conclusion aligns with expert analyses and community discussions, acknowledging the complexity of the stablecoin market within the XRPL.
 

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