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🕵️ Crypto Mixers and Privacy Coins: Can They Resist Censorship? 🕵️

US sanctions on Tornado Cash smart contracts have created new regulatory challenges for crypto mixers and privacy coins

In response to the US Treasury sanctioning crypto mixer Tornado Cash, advocacy groups such as Coin Center have come to its defense — arguing that smart contract code is not a sanctionable entity.

With this new precedent, it is unclear if privacy coins such as Monero will face similar censorship. A hard fork update on Aug. 13 reportedly made Monero transactions harder to trace — potentially closing any back doors law agencies used to track transactions.

The view that any cryptocurrency transaction is private by default is a common misconception. In fact, the opposite is true. Blockchain data is public and transactions are traceable. Crypto mixers and privacy coins were created to provide privacy for this open financial system. But both face different uphill battles. Before analyzing the likelihood of either’s success, we need to explain how they work, where they differ and the regulatory strategy game of financial censorship.

So what is a crypto mixer?
A crypto mixer, also known as a tumbler or blender, is a transaction mixing tool or service that anyone can use to obscure a crypto wallet’s source of funds. These tools were first created for bitcoin in 2013 but became a popular alternative to privacy coins once solutions like Tornado Cash made it available for a variety of cryptoassets.

There are two types of crypto mixers: custodial and non-custodial. Custodial blenders such as blender.io are central entities that take full custody of funds to mix transactions. Users pay a fee for the service and trust the entity to return their funds once the transactions are blended.

Blender.io was the first mixer to be sanctioned by US Department of the Treasury’s Office of Foreign Assets Control (OFAC). It did not receive the same attention as Tornado Cash because it fell under the pattern of previous sanctions made against persons and entities. A North Korean state-sponsored hacker collective known as the Lazarus Group reportedly used the service after a hack against Axie Infinity that resulted in a $620 million loss.

How non-custodial crypto mixers like Tornado Cash works
With Tornado Cash, users send funds to smart contract addresses that automatically mix deposits of the same amount. They then use a zero-knowledge proof contract to prove they have the right to withdraw that amount.

For example, say you want to mix 11 ETH. Tornado Cash’s smart contracts group deposits by amounts. So you could deposit 10 ETH to the 10 ETH mixer and 1 ETH to the 1 ETH mixer. Once funds are sent to each blender, the contracts then use zero-knowledge proofs to verify you sent a deposit to each one without knowing which one was originally yours. This essentially gives you the equivalent of a withdrawal permission slip for each mixer.

So if you were to use the permission slips to withdraw both deposits, it would be close to impossible for any outside observer to identify the correct source of funds. They would see a myriad of potential options.

The tool provides pretty good financial privacy by breaking the link between the sender and receiver. But it’s not perfect; theoretically, third party blockchain intelligence could use outside data and behavior models in an attempt to deduce which transaction history belongs to the tokens on your new wallet address.

Legal challenges
On Aug. 8, 2022, OFAC added a list of addresses associated with Tornado Cash to the same list of sanctioned addresses where Blender.io ended up. This was in response to news that the Lazarus Group used the tool to launder $455 million in stolen funds.

OFAC used the same messaging and reasoning as it did Blender.io, but it did not acknowledge the key custodial difference between the two. In Coin Center’s full analysis, they argue that Tornado Cash has two separate elements: The decentralized group of governing members they call “Tornado Cash Entity” and the immutable smart contract coin mixers they call “Tornado Cash Application.”

The Tornado Cash Entity cannot update or change the Tornado Cash Application because the original creators destroyed their admin keys. The smart contracts will exist as long as the Ethereum blockchain continues to operate. So even though the Tornado Cash website is down, anyone can spin up a new front end — or interface with the smart contracts directly — that lets users access the same mixers.

The problem is that OFAC included these immutable smart contract addresses in the list of sanctions. So there are now innocent Americans with funds still in these mixers. If they attempt to move the funds, they will be breaking the law and subject to penalty. And because the application is not an entity, it has no means to petition OFAC for sanction removal.

Coin Center further argues that because the Tornado Cash Application is not an entity, OFAC did not cite the proper authority to add the smart contract addresses to the sanctions list. This marks an unprecedented move with potential constitutional issues.

In response to OFAC’s announcement, companies agreed to censor anyone connected to these addresses. The decentralized finance app Aave blocked any users that had Tornado Cash funds sent to them in a dust attack. And Circle followed by freezing 75,000 usd coin stablecoins belonging to Tornado Cash users. The Blockworks’ Empire podcast explains how that is possible in a Twitter thread.

What are privacy coins and how do they differ?
Privacy coins are cryptocurrencies that use a variety of approaches to obscure IP addresses, wallet balances and the flow of funds from public view. They differ from crypto mixers in that they make financial privacy less of a feature and more of a product. As a result, they only provide privacy to transactions made in a specific currency.

The two most popular privacy coins are Z-cash and Monero. Z-cash is a cryptocurrency that relies primarily on zero-knowledge proofs to shield transaction info. In October 2018, Z-cash announced that they fixed an 8-month-old bug in proofs that could have permitted an infinite inflation of supply. Due to transaction privacy, it was unclear how much was actually inflated.

Since this early stumble, z-cash has never returned to the highs of the 2017 bull cycle and currently ranks second to Monero in total privacy coin market cap. While monero was able to once again reach similar prices of the 2017 market, it failed to break its all-time high in 2021.

Monero is a privacy coin that offers financial anonymity through layers of privacy-enhanced blockchain encryption. Every transaction utilizes single-use stealth addresses to prevent the visibility of public address balances. So only users with a wallet’s private key can map its balance back to a public address. It also uses ring signatures to obscure the source of funds in a transaction by including random addresses in the verification signature.

Privacy challenges
The Monero protocol was upgraded on Aug. 13. While the previous version of Monero offered a layer of privacy, its complete untraceability was debatable. In 2018, critics claimed that inputs in a signature ring could be deduced through a process of elimination. And in 2021, CipherTracer reportedly patented a method that the Department of Homeland Security (DHS) uses to trace transactions.

Even if CipherTracer discovered real vulnerabilities, the extent of their impact is unclear. They didn’t disclose their methods or success rate. This previous version still provided a degree of financial privacy in the sense that it blocked anyone not willing to pay CipherTracer.

But this disincentive is less resistant to state sanctions and censorship. Theoretically, the state is more willing to spend resources in an attempt to trace addresses — especially if they suspect a connection to crime, or in some countries, political opposition.

In Canada, an effort was made to trace financial contributions to the trucker freedom convoy. The government ended up sanctioning 34 crypto wallets in connection to the movement, and Monero addresses were included in that list.

The Monero developers hope this update will close any potential vulnerability by increasing the number of transactions in a ring signature. But in response to the update, CipherTracer stated, “While Monero’s upcoming chain improvements are significant, the fundamentals of our approach to tracing probable source of funds will still apply after the fork.”

If the upgrade does succeed in closing these back doors, there is concern that OFAC may take similar actions against Monero. In an interview with CoinDesk, a Monero contributor said that, “at the moment, I’m not concerned about immediate legal action.”

“There is no direct financial incentive…for developers, unlike [the situation with] the Tornado Cash developer,” he said.

These comments seem to infer that the potential ability for the developer to profit from the use of these smart contracts makes him liable. Dutch financial crimes agency FIOD arrested a Tornado Cash developer on suspicion of laundering money through the tool. But it is unclear if that arrest was for his specific attempts to launder money or for his connection to others using it for that purpose.

Adoption challenges
Even though top privacy coins such as monero and z-cash are actively working to increase the privacy of transactions, they have not seen the same degree of adoption as leading layer-1 blockchains such as Ethereum. Many competitors, including Secret Network and Oasis Network, argue that the reason for this lag is that privacy coins do not offer a base layer of privacy that can be used to build Web3.

In 2020 Secret Network was the first privacy based blockchain to enable smart contract programmability. It lives in the Cosmos ecosystem and is working toward a vision of Web3 privacy. It has launched multiple apps such as the decentralized messaging service Altermail, and decentralized exchange SiennaSwap.

But Secret Network and its competitors face the classic challenge of an overcrowded sector. They still have a long way in overcoming the market dominance of Monero and Z-Cash. The threat of sanctions have motivated many in the Z-Cash community to explore creating their own smart contract programmability.

The future of digital financial privacy
The battle against financial privacy feels like a game of whack-a-mole. So far, the state has tried two different tools. With crypto mixers, they used the regulatory sanctions hammer. And for privacy coins, they tried blockchain intelligence sleuths.

Their approach may be, if one financial privacy method is too popular with criminals or too hard to trace, they will just shut it down with the hammer.

Advocacy groups such as Coin Center may respond by challenging such actions in court, but that process will take years. The sanctions are very likely hurting innocent Americans in the meantime.

For other privacy solutions, they may use investigations to continue in their cat and mouse chase with developer upgrades.

User adoption, though, is a key element to this game. As more people are drawn to either mixers or privacy coins, the chance of tracing transactions becomes exponentially difficult. Switching analogies, it’s like the classic police chase down a narrow alley. If the suspect reaches a bustling parade, they can dust off and subtly slip away into the crowd.

If a privacy coin, mixer or base-layer privacy solution gains mainstream adoption, it could have greater resistance to censorship. State officials would struggle to find the political backing for sweeping sanctions or technology needed to crack privacy measures. And the potential Tornado Cash sanctions fallout for Ethereum validators may pull millions more into this conversation.

https://blockworks.co/crypto-mixers-and-privacy-coins-can-they-resist-censorship/

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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.

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Why Invest In XRP?

Because Ripple Is EVERYWHERE!

This is on Wall Street... NY

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👉"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

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👉 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 avantis, there's something for everyone

fuelled by instinct and flash-level speed

powered by @PythNetwork

🔮 🐆

https://x.com/avantisfi/status/1951129700056871240?s=19

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

💳 PayPal: 

1) Simply scan the QR code below 📲
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🔗 Crypto – Support via Coinbase Wallet to: [email protected]

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

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