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Japan FinTech Observer
thedinarian
March 19, 2024
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Will they, or won't they? The Bank of Japan's Monetary Policy Meeting (MPM) will publish its rate decision on Tuesday, although, if you are reading the Nikkei, you would be forgiven to believe the decision has already been made (the BoJ has as many leaks as a long-abandoned akiya).

Similar to the Nikkei extending beyond the bubble high, and cracking 40,000, any BoJ move in March (or April) will be largely symbolic and not change the mid-term path for Japanese interest rates. NIRP will end, and the range for short-term interest rates move from between -0.1% and 0% to between 0% and 0.1%. Expect an upper range of 0.25%, or possibly 0.5% by the end of the year.

FX markets did not budge. The JPY/USD exchange rate is set by the Fed, and not the Bank of Japan, having moved from the lower 140s at the end of last year, when economists were expecting up to six Fed rate cuts, back close to 150 now that the consensus seems to settle on three.

Here is what we are going to cover this week:

  • Venture Capital & Private Markets: Decima has completed a funding round of 4.5 billion yen for its fund jointly managed with gumi, MZ Cryptos, SBI Holdings, and Animoca Brands; Integral Corporation announced the first closing of “Fund V Series” at JPY 180 billion raised; M&A Cloud has raised a total of 1.25 billion yen through debt financing from Kiraboshi Bank, Shizuoka Bank, Japan Finance Corporation, Mizuho Bank, Sumitomo Mitsui Banking Corporation, and Fivot (Flex Capital); Hyperithm has invested in Superfluid
  • Green Finance: FANPS (Sumitomo Mitsui Financial Group, MS&AD Holdings, Japan Finance Corporation, Norinchukin Bank) has established a platform to accumulate knowledge related to "nature positive"; Carbon EX, a 50/50 joint venture between ASUENE and SBI Holdings, demonstrates strong growth; Hitachi, in collaboration with Persefoni Japan, has developed a green house gas (GHG) emissions calculation service
  • Insurance: international InsurTech bolttech has partnered with refurbished device marketplace Back Market for one of its first commercial launches in Japan; Dai-ichi Life acquire a 19.9% strategic minority stake in Canyon Partners; AXA Life Insurance and AXA Direct Life Insurance merge
  • Banking: an alliance of Airbnb, ORICO, and Akikatsu, is aiming at promoting the effective utilization of vacant homes through ORICO-guaranteed loans from regional financial institutions; Hokkoku Financial Group plans to build a fully cloud-based acquiring system in collaboration with Visa and Infcurion
  • Payments: Wise Payments Japan has obtained a Type 1 license as a Money Transfer Operator; the Japanese government is reportedly in discussions with Southeast Asian countries about sharing QR code payment services; PayPay, PayPay Bank, and PayPay Securities launched a simplification of account opening procedures
  • Capital Markets & Asset Management: Japanese securities firms stepping up support for startups; Nomura has realigned the firm’s collective asset and investment management capabilities in the Americas; Matsui Securities has selected Broadridge Financial Solutions' cloud-based SaaS post-trade processing solution for its stock lending business
  • Digital Assets: TIS has started a collaboration with Umi Labs, integrating web2 and web3 technologies on the Sui Network; Sony Bank announced the release of “Sony Bank CONNECT” in summer 2024, aiming to contribute to the expansion of the creator and fan economy in the web3 era; KDDI, STYLY, monoAI technology, and REALITY XR cloud announced the launch of the “Open Metaverse Network”

Venture Capital & Private Markets

  • Decima GP Limited has completed a total funding round of approximately 4.5 billion yen for Decima Fund; the Fund was established with the purpose of incubating domestic projects aiming for overseas expansion and overseas projects aiming to enter the Japanese market, as well as investing in listed tokens; the Fund will be jointly managed with GPs that have expertise in the Web3 domain, including gumi, MZ Cryptos, SBI Holdings, and Animoca Brands
  • Integral Corporation announced the first closing of their new funds, the “Fund V Series”, with several domestic and foreign investors participating, and approximately JPY 180 billion raised; the final Capital Commitment goal is more than JPY 200 billion for the Fund V Series, expected to be completed during 2024
  • M&A Cloud has raised a total of 1.25 billion yen through debt financing from Kiraboshi Bank, Shizuoka Bank, Japan Finance Corporation, Mizuho Bank, Sumitomo Mitsui Banking Corporation, and Fivot (Flex Capital); the funds raised will be invested in hiring to strengthen the organization, as well as in marketing to expand the advisory business and the matching platforms “M&A Cloud” and “Funding Cloud”
  • Hyperithm has invested in Superfluid, an Ethereum-based token streaming protocol that enables real-time crypto transfers; Superfluid is a revolutionary asset streaming protocol that brings subscriptions, salaries, vesting, and rewards to DAOs and crypto-native businesses worldwide
  • Deerpath Capital, one of the largest providers of customized, cash-flow based senior debt financing to lower middle market companies across North America, announced the opening of its latest international office in Tokyo

Green Finance

Insurance

  • International InsurTech bolttech has partnered with leading refurbished device marketplace, Back Market; the partnership, which marks one of bolttech's first commercial launches in Japan, will deliver embedded device protection to Back Market's customers through a seamless online experience
  • Canyon Partners, a $24 billion global alternative investment manager, announced that Dai-ichi Life Holdings has agreed to acquire a 19.9% strategic minority stake in the Canyon business; Under the terms of the agreement, Dai-ichi has the right to acquire up to 51% of the equity interest in Canyon in 2027 and up to 100% in 2029
  • The FSA has given approval to AXA Life Insurance and AXA Direct Life Insurance for the merger of the two companies based on the provisions of Article 167, Paragraph 1 of the Insurance Business Act, under the name AXA Life Insurance, a 100% subsidiary of AXA Holdings Japan
  • On the occasion of InsureTech Connect Tokyo last week, Plug and Play have released their Japan "Insurtech Report 2024"

Banking

  • Accenture has published its take on Aozora Bank's US commercial real estate exposure and the overall Japanese banking sector in its February 2024 macro economic brief; we have previously reported on Aozora's earnings adjustment for this fiscal year in the Japan FinTech Observer
  • An alliance of Airbnb, ORICO, and Akikatsu, is aiming at promoting the effective utilization of vacant homes; users of the web information platform “Akikatsu Navi,” which matches vacant homeowners with prospective buyers, will be able to obtain a “Home Sharing Loan” when purchasing or renovating a vacant home for the purpose of home sharing; the “Home Sharing Loan” is an unsecured loan or small business loan with high convenience to meet a wide range of funding needs related to personal and corporate home sharing operations; the loan limit is expected to range from 500,000 yen to 1,000,000 yen, with a maximum repayment period of 5 to 10 years; ORICO will guarantee the loans from regional financial institutions
  • Hokkoku Financial Group announced the initiation of building a full cloud-based acquiring system in collaboration with Visa Worldwide Japan and Infcurion; this system is equipped with functions necessary for acquiring operations such as authorization, clearing, merchant settlement and management, and connections to payment centers and international brands, for the latter of which Hokkoku FG will be the first domestic company to utilize “Visa Cloud Connect”
MUFG's new headquarter building, to be opened in 2029

Payments

Capital Markets & Asset Management

  • Japanese securities firms stepping up support for startups
  • Nomura Holdings has realigned the firm’s collective asset and investment management capabilities in the Americas under the new brand Nomura Capital Management (NCM); NCM is a subsidiary of Nomura Holding America (NHA) and will integrate Nomura Group’s public and private credit offerings to maximize the firm’s growth opportunities and to better serve institutional and intermediary clients in the Americas
  • Matsui Securities has selected Broadridge Financial Solutions' cloud-based SaaS post-trade processing solution to drive operational efficiency in its stock lending business; system integrator Intelligent Wave will develop the front office component and system integration as well as provide project management and overall consultation to Matsui Securities
  • Asset manager Franklin Templeton has appointed, effective April 1, Takashi Takamura as the president and country head of Japan, reporting to Tariq Ahmad, head of Asia-Pacific, with responsibility for leading the firm’s retail and institutional business in Japan
  • Nomura has published its "Individual Investor Survey March 2024"

Digital Assets

  • TIS has started a collaboration with Umi Labs Japan from March 2024, aiming for social implementation by integrating web2 and web3 technologies utilizing zero-knowledge proofs, decentralized ID/VC/VP, and OAuth on the Sui Network; in this collaboration, TIS will be responsible for planning, design, and production, while Umi Labs Japan will take charge of technology research and development, with the goal of creating new markets
  • Sony Bank announced the release of “Sony Bank CONNECT” in summer 2024, aiming to contribute to the expansion of the creator and fan economy in the web3 era; users will be able to enjoy digital content such as NFTs previously distributed by Sony Bank through campaigns, and digital content to be presented to customers who purchase Sony Bank’s digital security “US Dollar-Denominated Green Finance Security Token (№1 of 2024)”
  • KDDI, STYLY, monoAI technology, and REALITY XR cloud announced the launch of the “Open Metaverse Network,” Japan’s largest metaverse alliance that connects multiple metaverse platforms; this alliance enables companies and municipalities considering business utilization of the metaverse not only to use a single metaverse platform but also to connect multiple metaverse platforms and incorporate real-world spaces for multidimensional project planning; it offers comprehensive services, from consulting for smooth implementation and solving business challenges to event planning and spatial content production

In the Region

  • We have published the first edition of the "Korea FinTech Observer" as we have seen sufficient news flow crossing our desk; we might aim to release the Korea coverage twice per month
  • The 136th episode of the eXponential FinancePodcast features Arthit (T) Sriumporn, Founder & Chief Executive of Rakkar Digital, a digital asset custodian; you can find the podcast on all major platforms, or through our Podlink

Have an awesome week ahead.

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thedinarian@thedinarian
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🚨NEW: Watch @BoHines sit down with @CryptoAmerica_

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thedinarian@thedinarian
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Why Invest In XRP?

Because Ripple Is EVERYWHERE!

This is on Wall Street... NY

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thedinarian@thedinarian
20 hours ago
👉"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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thedinarian@thedinarian
October 31, 2024
👉 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
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thedinarian@thedinarian
1 hour ago

PYTH Entropy just got an upgrade 🎲

Introducing Entropy V2, the latest evolution of Pyth Network’s onchain randomness engine.

Now more developer-friendly than ever. 🧵

https://x.com/PythNetwork/status/1950934639394148579

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thedinarian@thedinarian
3 hours ago

👀BlackRock Director of Digital Assets at @Ripple SWELL. Just saying.

$XRP

https://ripple.com/events/swell/speakers/

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thedinarian@thedinarian
10 hours ago

🚨 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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thedinarian@thedinarian
July 28, 2025
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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

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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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thedinarian@thedinarian
July 27, 2025
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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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thedinarian@thedinarian
July 27, 2025
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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:

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🔗 Crypto – Support via Coinbase Wallet to: [email protected]

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