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? The Dinarian on Locals brings you the latest in news, interviews, in-depth conversations, and stories from across the blockchain and global communities—within and beyond cryptocurrency ?. Experts delve into how blockchain technology is reshaping industries, enhancing business networks ?, transforming transaction workflows, and advancing distributed ledger systems ??. We also explore intriguing topics that may venture into the realm of conspiracies—and so much more!
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💥RIPPLE: Pioneering Sustainability Technologies with Crypto and Blockchain💥

Ripple’s annual Swell conference took place November 16-17 in London, drawing more than 500 customers, partners, financial institutions, investors and global crypto stakeholders. A wide variety of panels and keynotes were presented during the two-day event, providing insights and trends on a range of topics, including Central Bank Digital Currencies (CBDCs), the tokenization of real-world assets (RWAs), the future of the internet, financial inclusion, sustainability, carbon markets and more.

The overarching theme of this year’s Swell was focused on how blockchain and crypto solutions for business are driving real-world value across industries and use cases. Needless to say, our audience did not expect to hear about carbon-infused concrete or sustainable consumer products derived from burping cows. And yet, they did.

Mark Herrema, CEO of Newlight, and Reilly O’Hara, leading carbon finance partnerships and post-sales operations at CarbonCure Technologies, shared the stage in a fascinating panel moderated by Ripple’s SVP of Social Impact and Sustainability, Ken Weber, to explain how blockchain is a powerful tool for their businesses and how it can improve the transparency, accountability and traceability of greenhouse gas emissions to support global climate goals.

Let’s dive into some of the key highlights and takeaways from industry experts.

Concrete and Burping Cows

What’s inspiring a new generation of entrepreneurs to pioneer frontier technologies to fight climate change?

For Mark Herrema, CEO of Newlight, it all started with a news article on cows’ responsibility in greenhouse gas emissions. Inspired by the 600L of methane that dairy cows burp daily, he asked: if trees pull carbon out of the atmosphere to make new leaves, and coral reefs pull carbon from seawater to grow, could Newlight harness nature’s own technology to make biomaterials from various sources of greenhouse gas?

After a decade of research and development, Newlight is now able to reproduce the natural process perfected by microorganisms in oceans and other ecosystems to turn greenhouse gasses into PHB, or Aircarbon – a meltable and malleable material that can be used to create a biodegradable carbon-negative material instead of plastic or leather. Newlight’s multi-patented technology is currently used to make reusable, plastic-free, regenerative foodware, starting with drinking straws and cutlery. Other use cases for Aircarbon include carbon-negative apparel, including sunglasses and alternative leather goods.

CarbonCure is taking on one of the most important challenges in the transition to a lower carbon world: how to reduce the carbon footprint associated with manufacturing concrete—the most widely consumed product in the world—responsible for about 7% of global greenhouse gasses. If concrete were a nation, it would be the 3rd largest emitter in the world.

CarbonCure’s suite of technologies inject CO2 into concrete during the production process, where it immediately mineralizes into rock. In addition to sequestering carbon, this carbon mineralization strengthens the concrete and enables a reduction in cement, producing the same high-quality concrete with a reduced carbon footprint. CarbonCure’s technologies are currently being used in hundreds of concrete production plants across 30 countries and have generated over 230,000 tons of CO2 savings to date.

Blockchain as a Value Added Business Tool

How does blockchain—an immutable, transparent public ledger that records data—create measurable business value?

For CarbonCure, the process of measurement, reporting and verification (MRV) is critical to creating unimpeachable confidence in its technologies and impact on the earth’s climate. CarbonCure is committed to providing visibility into the entire measurement process to its stakeholders, including carbon credit buyers. “Stakeholders need to know where the CO2 comes from, how it was transported to the plant, how much was injected, etc.” says Reilly O’Hara. “It’s about capturing that data efficiently, storing it in an immutable way, and surfacing it for the buyer. Blockchain is one of, if not the, most elegant solutions for solving this.”

CarbonCure anticipates a coming wave of innovation in the MRV space, leveraging the capabilities of blockchain along with other potentially transformative new technologies, such as remote sensing/IoT, satellite imaging and machine learning/AI. Meanwhile, as the company continues to scale and add more plants to its portfolio, blockchain has emerged as a vital infrastructure asset for CarbonCure to capture, store and surface all its data.

Similarly, Newlight relies on blockchain technology to capture and surface MRV data. Newlight first started using blockchain technology in 2017, since blockchain offers a trusted, verifiable, and immutable solution to record and track the third-party verified carbon footprint of its material and products.

CarbonCure and Newlight leverage blockchain to capture and surface monitoring and reporting data in a fully transparent way, instilling higher levels of trust and confidence in the verification process. Reilly O’Hara is excited about blockchain’s growing role: “What we would love to see and be able to plug our data into is a constant public ledger that shows every single credit that we’ve generated, attributes of that credit, who we sold it to and when it was retired. Blockchain offers an incredible opportunity to be that central place.”

Blockchain Can Scale the Voluntary Carbon Market

Both Newlight and Carboncure are working to generate carbon credits—certificates that represent one metric-tonne of greenhouse gas that has been reduced or removed from the atmosphere. These credits can be purchased by corporations and institutional buyers looking to offset their remaining emissions, which in turn provides direct funding to scale climate companies’ operations.

Mark Herrema from Newlight points out that not all credits are created equal. A carbon credit generated from converted carbon emissions on a verified basis is different from a project that is not verified or has little or no proof of additional, durable and measurable carbon removal or emissions avoidance. Accordingly, these credits should not be priced in the same way.

Mark sees a future in which carbon offsets are less commoditized, more differentiated and value added.“Just like you have this massive differentiation between stocks, you also have that in carbon reductions,” he explained. “One of the things that we find very important about blockchain, and specifically the XRP Ledger, is the ability to differentiate and have an individuated value for carbon credits. I think that is something that’s important to developing the carbon market.”

The Future of Carbon Markets

These climate tech entrepreneurs place a growing emphasis on the importance of moving away from low-quality carbon credits and towards higher-quality, permanent, verifiable carbon credits, such as those generated by their respective companies’ cutting edge technologies. CarbonCure’s Reilly O’Hara explained, “I think that’s where Ripple has really emerged as a leader. But 50 gigatons means that we need 10, 50, 100 Ripples and they need to be investing in ten thousand CarbonCures and Newlights. It’s going to take big bets and investing so that by 2030-2050, these technologies are off the bench and removing carbon from the atmosphere at full scale.”

As a global sustainability leader and a first-mover in deploying blockchain and crypto technology to fight climate change, Ripple has committed $100 million to scaling voluntary carbon markets. Ripple’s funding will accelerate carbon removal activity and help modernize and scale carbon markets through investments in innovative carbon removal companies and climate-focused fintechs.

Ripple is also building a portfolio of additive, long-term, nature and science-based carbon credits, some of which will be used to meet Ripple’s commitment to achieving net-zero by 2030 or sooner. In addition, the funding will continue to support new functionality and developer tools that enable carbon credit tokenization as non-fungible and semi-fungible tokens (NFTs) on the XRP Ledger (XRPL). This flagship commitment will help accelerate progress towards globally agreed climate goals to limit global temperature rise to 1.5 degrees Celsius.

00:00:47
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🇺🇸 One year ago today in Butler, Pennsylvania 🇺🇸

Today marks one year since the shocking assassination attempt on President Donald Trump—a moment that sent waves of concern and reflection throughout the nation and the world. On this day in 2024, the country witnessed a stark reminder of the volatility and intensity that can surround political life.

Thankfully, President Trump survived the attempt, and his resilience became a symbol of strength for many Americans. The event sparked renewed discussions about security, civil discourse, and the importance of unity in turbulent times.

As we look back, let us remember the importance of peaceful dialogue, and the enduring spirit that guides us through adversity.

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👀CEO OF SBI HOLDINGS YOSHITAKA KITAO: AFTER THE SEC CASE ENDS, XRP WILL BE A VERY HIGH PRI👀

"Related products, and then crypto assets, um, Ripple’s XRP. Well, regarding Ripple’s XRP, when I looked at the statement from their CEO the other day…

It seems he thinks that a court decision will come out in a few weeks.

If the decision is made and Ripple’s XRP is recognized as a coin, I think this will have a huge impact on the price. Since we are the main external shareholders, if we sell, we would realize significant capital gains, but even if we don’t sell, it would still be quite substantial in terms of valuation, I believe it will immediately move toward a public stock offering."

Translated via AI ~ Crypto Michael ⚡The Dinarian

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🚀 Bitcoin Hits New All-Time High – What’s Next?

Bitcoin reached a new peak of $118,254 on July 11, 2025, driven by institutional demand, favorable macro conditions, and supportive crypto regulations. With a 100%+ year-over-year surge, what's next for BTC?

🔮 Bitcoin Outlook

📆 Short Term (6–12 Months)

  • Expect volatility post-ATH
  • Spot BTC ETFs attract significant capital
  • Potential range: $95K–$135K

🕰 Medium Term (1–3 Years)

  • 2024 halving impact continues
  • More institutions may adopt BTC as reserve/collateral
  • Global regulatory clarity boosts confidence
  • Potential range: $120K–$200K+

🌐 Long Term (5–10+ Years)

  • BTC may solidify as digital gold
  • Used in cross-border settlements and emerging markets
  • Scarcity (21M cap) drives value
  • Bullish case: $250K–$1M+
  • Bearish case: $20K–$50K (if tech/regulatory risks rise)

📌 Key Drivers

  • Institutional adoption
  • Spot ETF flows
  • Crypto regulations
  • Fed interest rate policy
  • Lightning Network & Layer 2 scaling
  • Geopolitical uncertainty

💬 TL;DR:
Bitcoin’s $118K breakout ...

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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
No Cash Society By 2032-33 👀
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🚨 Banks Could Roll Out XRP-Powered Payment Systems in Just Weeks, Experts Say 🚨

Banks worldwide are on the verge of a major payments revolution, with experts indicating that XRP-powered payment systems could be deployed in a matter of weeks—pending final regulatory approvals. This rapid rollout is set to transform cross-border transactions and modernize global banking infrastructure.

🔹 Why XRP?

  • Speed: XRP enables payments to settle in as little as three seconds, with near-zero failure rates, making it a top choice for international payments.

  • Cost Efficiency: By eliminating the need for pre-funding accounts in foreign countries, banks can free up capital and reduce operational costs.

  • Interoperability: Ripple’s infrastructure allows seamless connectivity between different banks’ ledgers, streamlining cross-border transfers.

🔹 How Fast Can Banks Integrate XRP?

  • Implementation Timeline: Experts say full integration, including onboarding and technical setup, can take as little as three weeks, with most banks completing the process within two to three months once regulations are...
‼️THE FED’S ISO BIG BANG ON MONDAY IS A MASSIVE UPGRADE FOR THE ENTIRE PAYMENT INDUSTRY—“THE BIGGEST EVENT TO HAPPEN IN PAYMENTS”‼️

The U.S. Federal Reserve is set to implement a sweeping upgrade to its Fedwire Funds Service, requiring all financial institutions to use the ISO 20022 messaging standard for electronic payments starting July 14, 2025. This transition aligns the U.S. with more than seventy countries already using ISO 20022 for modern, efficient, and data-rich payment processing.

🤔 What’s Changing?

🔹 Banks and credit unions sending payments through Fedwire must use the ISO 20022 standard, replacing the legacy Fedwire Application Interface Manual (FAIM).

🔹 The upgrade is a “big bang conversion,” meaning the switch happens all at once, not gradually.

🔹 The ISO 20022 format allows for more structured, detailed data in each transaction, improving transparency, efficiency, and compliance.

🔎 Why ISO 20022 Matters

🔹 Enables seamless global transactions by harmonizing data and messaging with international payment systems.

🔹 Reduces errors and manual processing, making payments faster and ...

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Musk Turns On Starlink to Save Iranians from Regime’s Internet Crackdown

Elon Musk, the world’s richest man and a visionary behind SpaceX, has flipped the switch on Starlink, delivering internet to Iranians amid a brutal regime crackdown.

This move comes on the heels of Israeli strikes targeting Iran’s nuclear facilities, as the Islamic Republic cuts off online access.

The former Department of Government Efficiency chief activated Starlink satellite internet service for Iranians on Saturday following the Islamic Republic's decision to impose nationwide internet restrictions.

As the Jerusalem Post reports, that the Islamic Republic’s Communications Ministry announced the move, stating, "In view of the special conditions of the country, temporary restrictions have been imposed on the country’s internet."

This action followed a series of Israeli attacks on Iranian targets.

Starlink, a SpaceX-developed satellite constellation, provides high-speed internet to regions with limited connectivity, such as remote areas or conflict zones.

Elizabeth MacDonald, a Fox News contributor, highlighted its impact, noting, "Elon Musk turning on Starlink for Iran in 2022 was a game changer. Starlink connects directly to SpaceX satellites, bypassing Iran’s ground infrastructure. That means even during government-imposed shutdowns or censorship, users can still get online, and reportedly more than 100,000 inside Iran are doing that."

During the 2022 "Woman, Life, Freedom" protests, Starlink enabled Iranians to communicate and share footage globally despite network blackouts," she added.

MacDonald also mentioned ongoing tests of "direct-to-cell" capabilities, which could allow smartphone connections without a dish, potentially expanding access and supporting free expression and protest coordination.

Musk confirmed the activation, noting on Saturday, "The beams are on."

This follows the regime’s internet shutdowns, which were triggered by Israeli military actions.

Adding to the tension, Israeli Prime Minister Benjamin Netanyahu addressed the Iranian people on Friday, urging resistance against the regime.

"Israel's fight is not against the Iranian people. Our fight is against the murderous Islamic regime that oppresses and impoverishes you,” he said.

Meanwhile, Reza Pahlavi, the exiled son of Iran’s last monarch, called on military and security forces to abandon the regime, accusing Supreme Leader Ayatollah Ali Khamenei in a Persian-language social media post of forcing Iranians into an unwanted war.

Starlink has been a beacon in other crises. Beyond Iran, Musk has leveraged Starlink to assist people during natural disasters and conflicts.

In the wake of hurricanes and earthquakes, Starlink has provided critical internet access to affected communities, enabling emergency communications and coordination.

Similarly, during the Ukraine-Russia conflict, Musk activated Starlink to support Ukrainian forces and civilians, ensuring they could maintain contact and access vital information under dire circumstances.

The genius entrepreneur, is throwing a lifeline to the oppressed in Iran, and the libs can’t stand it.

Conservative talk show host Mark Levin praised Musk’s action, reposting a message stating that Starlink would "reconnect the Iranian people with the internet and put the final nail in the coffin of the Iranian regime."

"God bless you, Elon. The Starlink beams are on in Iran!" Levin wrote.

Musk, who recently stepped down from leading the DOGE in the Trump administration, has apologized to President Trump for past criticisms, including his stance on the One Big Beautiful Bill.

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GENIUS Act lets State banks conduct some business nationwide. Regulators object

The Senate passed the GENIUS Act for stablecoins last week, but significant work remains before it becomes law. The House has a different bill, the STABLE Act, with notable differences that must be reconciled. State banking regulators have raised strong objections to a provision in the GENIUS Act that would allow state banks to operate nationwide without authorization from host states or a federal regulator.

The controversial clause permits a state bank with a regulated stablecoin subsidiary to provide money transmitter and custodial services in any other state. While host states can impose consumer protection laws, they cannot require the usual authorization and oversight typically needed for out-of-state banking operations.

The Conference of State Bank Supervisors welcomed some changes in the GENIUS Act but remains adamantly opposed to this particular provision. In a statement, CSBS said:

“Critical changes must be made during House consideration of the legislation to prevent unintended consequences and further mitigate financial stability risks. CSBS remains concerned with the dramatic and unsupported expansion of the authority of uninsured banks to conduct money transmission or custody activities nationwide without the approval or oversight of host state supervisors (Sec. 16(d)).”

The National Conference of State Legislatures expressed similar concerns in early June, stating:

“We urge you to oppose Section 16(d) and support state authority to regulate financial services in a manner that reflects local conditions, priorities and risk tolerances. Preserving the dual banking system and respecting state autonomy is essential to the safety, soundness and diversity of our nation’s financial sector.”

Evolution of nationwide authorization

Section 16 addresses several issues beyond stablecoins, including preventing a recurrence of the SEC’s SAB 121, which forced crypto assets held in custody onto balance sheets. However, the nationwide authorization subsection was added after the legislation cleared the Senate Banking Committee, with two significant modifications since then.

Originally, the provision applied only to special bank charters like Wyoming’s Special Purpose Depository Institutions or Connecticut’s Innovation Banks. Examples include crypto-focused Custodia Bank and crypto exchange Kraken in Wyoming, plus traditional finance player Fnality US in Connecticut. Recently the scope was expanded to cover most state chartered banks with stablecoin subsidiaries, possibly due to concerns about competitive advantages.

Simultaneously, the clause was substantially tightened. The initial version allowed state chartered banks to provide money transmission and custody services nationwide for any type of asset, which would include cryptocurrencies. Now these activities can only be conducted by the stablecoin subsidiary, and while Section 16(d) doesn’t explicitly limit services to stablecoins, the GENIUS Act currently restricts issuers to stablecoin related activities.

However, the House STABLE Act takes a more permissive approach, allowing regulators to decide which non-stablecoin activities are permitted. If the House version prevails in reconciliation, it could result in a significant expansion of allowed nationwide banking activities beyond stablecoins.

Is it that bad?

As originally drafted, the clause seemed overly permissive.

The amended clause makes sense for stablecoin issuers. They want to have a single regulator and be able to provide the stablecoin services throughout the United States. But it also leans into the perception outside of crypto that this is just another form of regulatory arbitrage.

The controversy over Section 16(d) reflects concerns about creating a regulatory gap that allows banks to operate interstate without the oversight typically required from either federal or state authorities. As the two Congressional chambers work toward reconciliation, lawmakers must decide whether stablecoin legislation should include provisions that effectively reduce traditional banking oversight requirements.

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

💳 PayPal: 
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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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.

 

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🙏 Donations Accepted 🙏

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

💳 PayPal: 
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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