(Dinarian Note: Another one for the toolbox. This is a great tool to have during turbulent times, if exchanges are being shut down, locked up etc.. The DEX is open 24/7 365 days a year. This is why I love the team behind Xumm. Keeping the XRPL decentralized further..)
XRPL Labs has announced a significant development in the XRP Ledger ecosystem - the most popular xApp is now available as a browser-based Decentralized Exchange (DEX) Interface, Unhosted.exchange by Xumm.
This is the first desktop trading solution from XRPL Labs, the creators of Xumm, and is now available on all major browsers.
Using the Xumm Wallet app to sign transactions eliminates the security concerns associated with browser plugins.
The Web DEX allows users across the globe to access the XRPL decentralized exchange (DEX)securely and efficiently, bringing the most popular xApp to browsers worldwide.
The XRP Ledger (XRPL) is a powerful blockchain platform that features a native DEX, enabling trustless and permissionless trading.
Decentralized exchanges operate without a central authority, reducing the risk of hacks or centralized failure.
With the launch of Unhosted.exchange, users can now access a cutting-edge and secure trading platform, with no additional fees added by us, directly on their computers.
Unhosted.exchange allows anyone to buy or sell any asset issued on the XRPL, creating a portal to the XRPL DEX available 24/7 and backed by Xumm support. The DEX will also allow trading customized trading pairs.
For the first four weeks, only Xumm Pro users will be able to use the new Unhosted.exchange feature because they get early access.
Xumm Pro users get access to features such as real-time push notifications, KYC unlocking, free Xumm Tangem cards for extra security, early access to new Xumm app features, and more.
By signing up for Xumm Pro, users not only get access to these new features but also help the XRPL Labs team build the best XRP Ledger wallet.
Users in Europe using Xumm Pro can also take advantage of a seamless fiat onramp and offramp using Euros.
The decentralized nature of the exchange ensures that trading can occur without the need for intermediaries, streamlining transactions and reducing potential bottlenecks.
Unhosted.exchange offers a significant advantage over other trading platforms by charging 0% fees.
This fee-free structure is an attractive option for traders worldwide, allowing them to retain more of their profits and encouraging trading.
The web DEX operates through secure and convenient Xumm Sign Requests, ensuring smooth and secure interaction between the desktop trading environment and the mobile wallet's key management.
By integrating advanced security with the convenience of desktop trading, users enjoy the best of both worlds: an easy-to-use trading platform with top-notch security features.
The DEX desktop UI integrates seamlessly with the platform we've built for all, where Xumm and the platform behind Xumm provide interaction between the secure mobile environment and the desktop environment.
Stargate: Establishing the Physical Foundations of the AI Revolution 🛰️🌎
The Stargate initiative represents the most substantial investment in artificial intelligence infrastructure to date, as it begins to materialize on a global scale. While many perceive AI as an ethereal technology—simply accessed via applications like ChatGPT 🤖—each digital interaction is, in fact, powered by extensive physical resources: vast data centers 🏢, thousands of cutting-edge GPUs 💾, sophisticated cooling systems 💧, dedicated power grids ⚡, and essential water pipelines 🚰. AI does not reside on personal devices; it is anchored on Earth and demands significant resources.
As artificial intelligence continues to advance, its infrastructure needs only intensify. Regardless of improvements in model efficiency, the explosive growth in usage—billions of queries, ongoing model training, and worldwide deployment—necessitates ever-greater computing power, land, electricity, and semiconductors. This expansion is not plateauing; it is accelerating 📈.
🇦🇪 The United Arab Emirates has taken a decisive step that the United States has been reluctant to pursue.
👉 “Within the next two years, cryptocurrency will be used more frequently than traditional currencies like the dollar or dirham, even for everyday purchases such as coffee and groceries.” 🏦☕🛒
It is worth noting which cryptocurrencies offer transaction fees that are virtually negligible. 😏
The official further stated: “Mark my words, I believe in actions, not just words.”
The legislative process is complete, and the Digital Euro 🇪🇺 is ready for real time use and October 2025 is the big roll out.
Around this time Europe will also be releasing their
•Request2pay
• SEPA credit transfer rulebook
•PSD3 instant payments
•Verification of payee
•TIPS multi-currency phase 1
The Digital Euro will be minted on #XRPL and #Stellar
👉 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
👉 Coinbase just launched an AI agent for Crypto Trading
Veritaseum Hodlers, Are You Ready For Chaos? 🚀 👩🚀
What would happen if Veritaseum was "Resurrected" from the Land of Dead Cryptos? Would Clif High's prediction of Veri trading 1 to 1 with Bitcoin actually come TRUE?! We may just find out SOONER than you think!!
The Motion to Vacate the SEC case against @ReggieMiddleton was filed on Friday May 30th, 2025 and contains NEW EVIDENCE clearly illustrating the alleged Fraud Upon the Court by SEC attorney Jorge Tenreiro.
It’s Reggie’s time to shine and this is going to be Epic!
Watch for a Video and further X posts breaking down this New Evidence.
Stellar's Ecosystem Surges Forward: Smart Contracts, Lightning Speed, and Real-World Impact in 2025
The Stellar blockchain ecosystem is experiencing remarkable momentum in 2025, with groundbreaking technical achievements and expanding real-world adoption that position it as a major player in the decentralized finance landscape. From lightning-fast transaction speeds to innovative smart contract capabilities, Stellar is demonstrating that blockchain technology can deliver both performance and practical utility.
Technical Breakthroughs Drive Performance
The Stellar Development Foundation's Q1 2025 quarterly report reveals impressive technical milestones that showcase the network's maturation. The platform now processes an astounding 5,000 transactions per second with remarkably fast 2.5-second block times, putting it among the fastest blockchain networks in operation today.
This performance leap isn't just about raw numbers—it represents Stellar's commitment to creating infrastructure that can handle real-world demand. Whether it's cross-border payments, asset tokenization, or decentralized applications, the network's enhanced capabilities provide the foundation for scalable blockchain solutions.
Smart Contracts Get Smarter with Soroban
One of the most significant developments has been the launch and continued evolution of Soroban, Stellar's smart contract platform. The introduction of Contract Copilot represents a major advancement in developer experience, enabling faster and safer smart contract development through enhanced tooling and guidance.
This focus on developer experience is crucial for ecosystem growth. By lowering barriers to entry and improving the development process, Stellar is positioning itself to attract innovative projects and talented developers who might otherwise choose competing platforms.
New Token Standards Meet Market Needs
The Stellar Development Foundation has introduced new token standards developed specifically based on feedback from developers and institutional users. This responsive approach to platform development demonstrates Stellar's commitment to building technology that meets actual market needs rather than theoretical requirements.
These standards are particularly important as institutional adoption continues to grow, with organizations requiring robust, compliant, and flexible token frameworks for their blockchain initiatives.
Global USDC Integration Expands Utility
The integration of USDC across Stellar's global network represents a significant milestone for practical cryptocurrency adoption. Stablecoins like USDC provide the price stability necessary for everyday transactions and business operations, making them crucial for blockchain platforms seeking real-world utility.
This integration is particularly impactful in emerging markets, where access to stable digital currencies can provide financial services to underbanked populations and facilitate more efficient cross-border transactions.
Industry Events Build Community Momentum
The Stellar ecosystem's growing influence is evident in its presence at major industry events. The foundation's participation as a sponsor at Consensus 2025 in Toronto and Digital Assets Week in New York demonstrates its commitment to engaging with builders, investors, and institutional leaders across the blockchain space.
These events serve as crucial networking opportunities and platforms for showcasing innovative projects within the Stellar ecosystem. Recent Meridian events have highlighted creative projects like Skyhitz and HoneyCoin, illustrating the collaborative spirit and diverse applications being built on the platform.
Real-World Impact in Emerging Markets
Perhaps most importantly, Stellar's growth isn't just about technical metrics—it's about real-world impact. The platform's focus on emerging markets addresses genuine financial inclusion challenges, providing efficient payment rails and access to digital financial services where traditional banking infrastructure may be limited.
This practical approach to blockchain implementation sets Stellar apart from projects that focus primarily on speculative trading or theoretical use cases. By solving actual problems for real users, Stellar is building sustainable demand for its technology.
Looking Ahead: Enterprise-Grade Infrastructure
Stellar positions itself as offering enterprise-grade asset tokenization alongside its DeFi capabilities and payment infrastructure. This comprehensive approach makes it attractive to institutions looking for a single platform that can handle multiple blockchain use cases.
The combination of fast transactions, low costs, smart contract capabilities, and regulatory-conscious development creates a compelling value proposition for enterprises considering blockchain adoption.
The Road Forward
As 2025 progresses, Stellar's ecosystem appears well-positioned for continued growth. The technical infrastructure improvements, developer-focused enhancements, and real-world adoption initiatives create a strong foundation for expanding use cases and user adoption.
The blockchain industry has seen many projects promise revolutionary capabilities, but Stellar's focus on delivering measurable performance improvements and practical solutions suggests a mature approach to blockchain development. With transaction speeds that rival traditional payment systems and growing institutional adoption, Stellar is demonstrating that blockchain technology can move beyond experimental phases into mainstream utility.
For developers, institutions, and users looking for blockchain solutions that prioritize both performance and practical applicability, Stellar's 2025 developments represent significant progress toward a more accessible and useful decentralized financial ecosystem.
Source: The Dinarian ⚡ Claude AI
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Soroban Security Audit Bank: Raising the Standard for Smart Contract Security
The Stellar Development Foundation (SDF) is deeply committed to helping ensure that the highest security standards are available for projects building on the Stellar network. Last year SDF launched the Soroban Security Audit Bank, an initiative to provide projects access to auditing experts and tooling that are proven to help prevent hacks by catching potential bugs, inefficiencies, and security flaws before contracts go live. Through the Soroban Security Audit Bank, we’re empowering teams building on Soroban with comprehensive security audits from leading audit firms, enhanced readiness support, and robust tooling, significantly elevating the ecosystem’s safety and efficiency.
Since launch, the Soroban Security Audit Bank has successfully conducted over 40 essential audits, deploying over $3 million to support security of the smart contracts on Stellar. Check it out!
Ecosystem Success Stories: How the Soroban Audit Bank Drives Security Forward
By making automated formal verification available to developers, in addition to allocating significant budget for securing many of the top DeFi protocols built on top of Stellar, SDF has established a new security standard in the Web3 ecosystem. –Mooly Sagiv,Co-Founder of Certora
SDF has been a strong partner as we’ve worked with teams across the Stellar ecosystem. SDF’s Audit Bank initiative allows for a smooth and streamlined review process, and is a clear reflection of the Stellar ecosystem’s enhanced commitment to security. –Robert Chen,CEO of OtterSec
Leading projects within the Soroban ecosystem have highlighted the impact of the Audit Bank
Finding a good auditor is difficult, expensive, and high-stakes. The Audit Bank streamlines the process and supports ecosystem projects with security review at critical growth milestones. –Markus Paulson,Co-Founder of Script3
The audit firms we worked with deeply understood the full ecosystem and the underlying protocols used. Their expertise and the tools from the Audit Bank strengthened our security and supported user and investor trust. –Esteban Iglesias Manríquez,Co-Founder of Palta.Labs
What's New in 2025: Enhanced Audit Support for Soroban Builders
Teams building financial protocols, high-dependency data services, high-traction dApps funded by the Stellar Community Fund are able to request an audit and will typically be matched with a reputable audit firm within two weeks. We recently restructured the program for this year to enhance audit efficiency and incentivize accountability, and rapid and complete vulnerability remediation:
Complimentary Initial Audit: Projects will need to contribute 5% of the audit cost upfront, but this co-payment amount is eligible for a full refund, provided that critical, high, and medium vulnerabilities identified are swiftly remediated within 20 business days of receiving the initial audit report (learn more).
Incentivized Security at Key Traction Milestones: Complimentary, extensive follow-up audits are available as projects achieve critical traction milestones (e.g., $10M and $100M TVL). These audits include deeper assessments such as formal verification or competitive audits, significantly boosting project security at pivotal stages.
Advanced Security Tooling: Projects can enhance their security self-serve through complimentary or discounted access to specialized tooling, which provide vulnerability detection and formal verification capabilities (see full list of available tooling). These tools are encouraged to capture ‘easy-to-spot’ issues prior to audit as well as a final check post-audit to increase the effectiveness and thoroughness of audits.
Enhanced Audit Readiness Support: Projects receive structured preparation support, including the implementation of best practices and security standards based on the STRIDE threat modeling framework. This ensures project teams are thoroughly prepared, optimizing audit efficiency and minimizing delays.
Get Started Today
If you're already funded through the Stellar Community Fund, meet the criteria and ready to secure your smart contracts, check your email for an invitation to submit an audit request–if you haven’t received one, contact [email protected].
If you haven't built on Stellar yet, we encourage you to start your journey with the Stellar Community Fund to become eligible for future security audits and ecosystem support. For any broader questions on the program, contact [email protected].
Also, we’re organizing an exciting series of workshops–join us for the kick-off on Soroban Security Best Practices on Friday, May 30, 2025 at 2 PM ET on @StellarOrg. Together, we're shaping a secure and resilient future for smart contracts on Stellar.
Bloomberg reported that Banco Santander is mulling introducing euro and dollar stablecoins, or potentially making a third party coin available to clients, citing sources. This move aligns with broader crypto ambitions, as its digital bank, Openbank, has reportedly applied for a European cryptocurrency license under the Mica Regulations and may enable retail access to digital assets.
Systemically important banks embrace stablecoins?
Major banks are now moving from observers to participants in this expanding market. Should Santander confirm plans to launch a stablecoin, it will be the fourth global systemically important bank (G-SIB) to do so. Societe Generale’s FORGE subsidiary launched the EURCV euro coin in 2023. Deutsche Bank is a partner in ALLUnity, another stablecoin initiative with plans to launch this year, subject to regulatory approval. And Standard Chartered is part of a joint venture in Hong Kong that intends to introduce a stablecoin.
Santander’s involvement could extend beyond an individual initiative. The bank is a shareholder in The Clearing House, where the Wall Street Journal reported that US banks are exploring the potential to create a joint stablecoin. If a US initiative took that route it could involve nine more G-SIBs including Bank of America, Barclays, BMO, BNY Mellon, Citi, HSBC, JP Morgan, TD Bank and Wells Fargo.
Apart from these initiatives, our research shows that more than 20 other banks have been involved in stablecoin projects.
Until recently stablecoins were mainly used to settle cryptocurrency transactions and by residents in countries with volatile domestic currencies. During the last year stablecoin infrastructure has been expanding, especially for mainstream cross border payments. Plus, President Trump issued an executive order prioritizing stablecoins. One of the administration’s motivations is this increases demand for US Treasuries, lowering the interest rate the government pays on the Treasury bills.
Santander as an early digital assets mover
Santander’s stablecoin consideration builds on years of blockchain experience. The bank was an early Ripple investor and previously used Ripple’s permissioned network for payments (not XRP), while also embracing permissionless blockchain activities including issuing a digital bond on Ethereum in 2019. This dual approach led to collaborations with other major players – alongside Societe Generale FORGE and Goldman Sachs, Santander participated in the European Investment Bank’s first digital bond, also on Ethereum. Currently, the bank’s most significant digital money initiative involves Fnality, the wholesale blockchain-based settlement network, where Santander ranks among 20 institutional backers and is part of the early adopter group alongside Lloyds Bank and UBS.
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Welcome to the Dinarian on Locals, where we discuss everything blockchain and digital asset related. We are here to learn from one another as this is a new and ever evolving space. Please post and share what you like, but be respectful to others as they are here to learn as well.
Knowledge is power, using that knowledge can be extremely powerful,
The Dinarian