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How Hedera could turn ESG reporting from a fairytale to a reality
November 08, 2023
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One of the first enterprise blockchains that many of our readers will have heard about is Hyperledger. The member-driven, not-for-profit organization is part of the Linux Foundation where interoperability is key. Hyperledger is also paving the way for the widespread adoption of secure and scalable blockchain and digital trust solutions. Since it first appeared, solutions like Hedera have taken enterprise blockchain solutions a step further.

Hedera isn’t what most of us will know as a traditional layer 1 blockchain. It is open source. It operates on a proof-of-stake public ledger (like Ethereum does now) that utilizes leaderless, asynchronous Byzantine Fault Tolerance (aBFT) hashgraph consensus algorithm. Using the “Gossip about Gossip” protocol and governed by a collusion-resistant, decentralized council of leading enterprises, universities, and web3 projects from around the world.

Both Hyperledger and Hedera are supported by councils which include big organisations like IBM, Dell and others. And that is where the similarities end.

Where an average layer 1 blockchain can only manage a few thousand transactions per second, Hedera can process 100,000 transactions per second. But Hedera doesn’t operate like other blockchains. And therefore, it has little of the reputational challenges that other cryptocurrencies suffer from.

The hashgraph consensus algorithm was so compelling that the National Association of Federally Insured Credit Unions entered into a partnership with Swirlds, the inventor of the hashgraph algorithm. Bonifii, previously known as CU Ledger, is a credit union-owned credit union service organization that is creating the premier platform of digital exchange for financial cooperatives globally. 

The link between Swirlds and Hedera

Hashgraph is another blockchain consensus mechanism and was developed by Leemon Baird in 2016. It was first introduced by Swirlds for private blockchain usage. As the project with bonifii continued to gather pace, Swirlds and a consortium of other companies launched the Hedera hashgraph network. The network shares many similarities with the Ethereum network, only it isn’t managed like a typical blockchain. Instead, there is a Hedera Governing Council which includes up to 39 companies. Today these include Chainlink Labs, Google, IBM, Nomura, DLA Piper, and others.

We spoke to Mance Harmon, Co-founder of Hedera and co-CEO of Swirlds Labs about how Hedera is being used by organisations to implement a more sustainable supply chain.

Carbon Footprints and Blockchain

The notion of measuring your carbon footprint as an organisation has been around for a long time. Taking your carbon footprint and compensating for that by purchasing renewable energy credits or ‘carbon offsets’. What is new is the idea that you can use public blockchains to solve some of the fundamental problems.

For example, when somebody plants a forest somewhere in the world, to pull carbon out of the air, in order to create a net positive carbon impact, how do you measure the amount of carbon that will be extracted from the air and demonstrate the commitment to let the forest grow for a period? Then, how do you trade with someone that has a carbon footprint they want to offset?

Carbon Offsets on Blockchain

“How do you create a piece of paper that represents the carbon that has been sequestered from this project?” Mance asked.

 

“You must make sure that the piece of paper is sold once. Or that its being used once, as opposed to being reused. It’s a bit like printing money. You are doing something that results in the creation of some sort of documentation that has value and can be traded,” Mance shared.

This is a global challenge, Mance added. “What we realised as an industry is that we could do this on the blockchain. The emphasis being on doing a good job of measuring that carbon usage and the carbon that’s been sequestered. Or the green energy credits that are being created.”

Hedera isn’t the first organisation to think of how to use blockchain to document carbon offsets. But what makes Hedera different, Mance elaborated, and why Hedera got so much traction is “because the community built a tool. It’s called the Guardian.”

Hedera Guardian makes it easy for organisations that want to measure their carbon emissions for whatever product or service that they deliver. Once they’ve done a good job of measuring the emissions, then the tool helps them to mint emission tokens.

“It’s a token that represents the number of emissions that have been created because of building the product,”

 

 “On the other side of the equation, the same tool is used for setting up an audited process.” Mance shared.

The auditors look at the equipment and the hardware that is used for measuring the actions taken to save energy or water consumption or anything else. These audit tools and processes are used so that there is trust in the veracity and the quality of the renewable energy credit. The token represents that activity, Mance added. It gives you a higher quality of trust. The more trust you have in the token, the more valuable it becomes.

Part of the wider problem with ESG today is how there is little or no audit trail. This means that most tokens are low quality, Mance believes, which wouldn’t be the case with distributed ledger technology.

High Quality Renewable Energy Credits

What Hedera has made possible is the process that results in high quality renewable energy credits. As well as providing high quality measurements and minting emissions tokens.

Mance pointed at some of the things happening at Tolam Earth, a startup that brings parties together in a marketplace to exchange tokens. The startup allows corporations to quantify and report the impact of their investments with shareholders, regulators, and consumers.

“It’s the creation of a new market on public blockchain for making the whole ESG equation more efficient,” Mance explained. 

 

“Matching of the consumers with the producers to be more efficient.”

New SEC Rules to Enhance and Standardize Climate-Related Disclosures for Investors

Increasingly, governments are putting regulations on the capture of ESG data. In the U.S. there’s a soon to be implemented rules process by the SEC that states what you must report publicly in terms of your company’s production of greenhouse gases. Some of the proposed rules are about capturing the carbon footprint of your product or service. However, the new disclosure rules would also require listed companies to disclose information about its indirect emissions. As well as certain types of greenhouse gas (GHG) emissions “from upstream and downstream activities in its value chain.” 

Mance highlighted how these new rules are coming. It’s important, he explained. “Especially when it’s required that you report the cumulative carbon footprint of not just your organisation, but everyone in your supply chain.”

“If you are going to be using a public network,” Mance continued. “Then you want to use a public network that is green. Because you care about the carbon footprint of all the organisations providing you products and services. It goes to your bottom line as well.”

It’s an obvious choice. Organisations need to go for a public network that is as green as possible. Which is why Hedera is the obvious choice. Hedera works differently to other blockchains, the consensus algorithm is the difference. A consequence of which is that it has the lowest carbon footprint on a per transaction basis.

The Green Solution

A recent study prepared by the Centre for Blockchain Technologies, University College London analysed the energy consumption of different blockchains including Hedera. The report showed that per transaction Hedera uses 0.000003 kWh whereas Ethereum uses 0.009956. Hedera is more than 15 times more efficient than the nearest blockchain that UCL analysed, BNB Chain.

Visa itself uses 0.0015 kWh to facilitate each transaction, according to a report from Digital Communications and Networks earlier in 2023.

The aim is to combine the green footprint of Hedera with the Guardian platform. The platform leverages Hedera’s public distributed ledger network to enable digital-first sustainability policies. It provides auditable, traceable, and reproducible records that document the emission process and lifecycle of carbon credits. And reduces fraud in the sustainability market.

The result of this strategy is the burgeoning ecosystem that has developed around Hedera over the years. Mance explained how the Hedera Council was part of the journey from the beginning. The companies that form the Council were always going to help govern the network. But the hope was for them to become early adopters too.

The early days of the Carbon Credit Market

It feels like the early days of crypto, Mance explained. “That’s where we are with the carbon credit market. The market has been strong and improving. And the infrastructure is being built out. I think the industry has an opportunity to help the larger ESG industry. By helping the larger ESG industry solve some of their fundamental problems and reduce friction in the marketplace,” Mance summarized.

Up to 39 members of the Hedera Council have seen the opportunity in how Hedera is tackling the carbon credits markets today. The use cases on the Hedera site are proof of a growing eco-system which is essential for a successful solution for long term sustainability.

We will be covering more stories with Hedera at the upcoming North American Blockchain Summit on the 15th to the 17th of November. Mance is a speaker at this years’ premier blockchain event. Tickets are on sale here.

Link

 

 

 

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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."

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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
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2. Automated Txns: Complex trades + streamlined on-chain activity
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🚨 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.

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🚨 Hedera $HBAR , $XDC Network, and $QNT have been chosen by SWIFT to join this year's Sibos 2025 as discovered exhibitors. Seems SWIFT chose these tokens, which are all DLTs, were chosen specifically for the event, signifying key institutional interest in these ecosystems. This is very good news.

Op: Realallincrypto

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‼️JUST IN JULY 2025 REPORT REVEALS PUBLICLY TRADED COMPANY IMMUTABLE HOLDINGS WILL BEGIN STRATEGICALLY ACCUMULATING HBAR TOKENS‼️

Massive signal.💎

Corporate treasuries are actively seeking ISO 20022 compliant assets as the foundation of their long term digital asset strategy.🔑

“The Company believes HBAR is a high-quality digital asset with long-term potential, distinguished by the Hedera network's enterprise-grade performance, low transaction costs, carbon-negative operations, and growing adoption among enterprise and public sector applications.”✅

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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 👇

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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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