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šŸ’„ 18 Projects Announced as part of XRPL Accelerator First Launch Cohort šŸ’„

The XRPL Accelerator - Launch Program is dedicated to nurturing innovation and the development of financial use cases on the XRP Ledger (XRPL). The initiative continues to support entrepreneurs and builders looking to scale their projects on the XRP Ledger and we are excited to announce the latest cohort of projects selected for the prestigious Launch Program.

As part of our commitment to fostering innovation and development on the XRP Ledger, we have chosen a diverse group of pioneering projects that are set to revolutionize various sectors through the power of blockchain technology. With over 150 applications received, project focuses range from DeFi, DID, Infra, RWA and even verifiable credentials. These projects will receive significant support, including up to $100,000 in grant funding, mentorship from industry experts, and invaluable networking opportunities. The recent XRPL Apex 2024 event already saw some of the teams connect with the broader community and share the impressive work they are doing on the network.

Let’s take a close look at some of the groundbreaking projects selected for the latest XRPL Accelerator Launch Program:

Decentralized Finance (DeFi)

Alt DRX

ALT.SQFT offers a unique approach to real estate investment by tokenizing square footage into tradeable digital assets called Property Tokens, which represent a proportional financial value in a specific property managed by a Special Purpose Vehicle (SPV). Investors can buy and sell these tokens on the Alt DRX Platform, allowing for dynamic market participation and liquidity in real estate investments. ALT.SQFT tokens offer the potential for income through interest payments and profit from property sales, but they also enable investors to engage in a transparent, efficient real estate market, receiving regular updates on valuation and the opportunity to trade at market-driven prices.

Moai Finance

Moai Finance is developing a multi-chain decentralized exchange (DEX) and cross-chain DEX aggregator to improve asset liquidity and utility within the XRP Ledger (XRPL) community. Their flagship product is an automated market maker (AMM)-based decentralized protocol that enables seamless swapping between assets on different blockchains. They want to expand their product to support XRPL Mainnet and XRPL EVM sidechain to simplify the liquidity provision and asset swap mechanisms for users.

Propto

Propto, a decentralized exchange and tokenization platform, enables commercial property owners to fractionalize and list their assets on-chain. The product allows investors with a small amount of capital to participate in the commercial real estate market. Propto's tokenization and trading functionalities utilize the XRPL's native features, such as trustlines and the DEX, to facilitate real estate token transactions.

MC² Finance

MC² Finance is revolutionizing the digital asset fund marketplace with its advanced infrastructure and application layer, designed to support a thriving multi-sided marketplace. The platform aims to foster a dynamic community where crypto traders, financial backers, and the community can collaborate, enhancing both learning and earning opportunities. By addressing the current fragmented market where trading strategies are manually recreated across different platforms with varying fees, MC² Finance provides a streamlined, community-driven environment that supports credible and profitable trading strategies, while reducing risk and enhancing transparency.

Kodelab

The Kodelab HELOC offers instant access to flexible credit/liquidity secured against properties or other illiquid assets via public and private blockchains, in the form of Central Bank Digital Currencies (CBDC) or stablecoin. Users can draw down and repay funds up to a certain Loan-to-Value (LTV), empowering and providing users with flexible credit options. The accompanying tokenization stack, formed from some ā€˜world-first’ legal engineering developed in conjunction with DLA Piper and Truva Corp, allows for the on-chain NFT collateral to be composed of actual property ownership rights or mortgage rights, boosting security for lenders, whilst borrowers are left with simplified and enhanced accessibility to revolving credit compared to traditional fixed-term loans.

Ryzer

Ryzer is a fintech startup that aims to revolutionize real estate investment through tokenization. They offer a platform for fractional ownership of real estate, allowing users to invest small amounts, benefit from simplified processes, and achieve greater liquidity and diversification. Ryzer provides a tokenized platform where users can buy, sell, hold, stake, lend, and borrow against real estate assets, in order to enhance the ease and flexibility of real estate investments​.

XPMarket

XPmarket is designing a user-centric community to unleash the full potential of the XRP Ledger. On-chain data paired with big data analysis are wrapped into a user-friendly environment, allowing a detailed overview of the XRPL community. A wide range of key infrastructure elements are being directly integrated into XPmarket that are both familiar for a novice blockchain user and advanced enough for the most sophisticated members. As a result, XPmarket aims to put all of the XRPL's capabilities at the community's fingertip.

Zoth

Zoth introduces an institutional-grade fixed income marketplace, facilitating unprecedented access to a diverse range of high-yield, secure fixed income opportunities using stablecoins. This platform bridges traditional finance and on-chain finance, accelerating asset and capital flow by leveraging efficient tokenization mechanisms for real-world assets (RWAs), enhancing liquidity, and promoting financial inclusion. Complying with stringent regulatory standards across multiple jurisdictions, Zoth ensures that investments in top-tier assets like trade finance receivables, sovereign government bonds, and corporate credit are secure and transparent, promoting a seamless integration of liquidity between TradFi and DeFi.

Infrastructure:

ChainsAtlas

ChainsAtlas is revolutionizing the way developers use their favorite Web2 programming languages on blockchain platforms by introducing an innovative Visual Studio Code extension that ensures seamless integration and universal compatibility. This tool allows the execution of traditional programming languages like C, Python, and JavaScript across multiple blockchains without the need for code modification, supporting both EVM and non-EVM chains. With ChainsAtlas, developers can achieve true horizontal scaling through parallel transaction processing, while maintaining consistent state synchronization across different blockchains, thus enhancing the efficiency and scalability of decentralized applications.

Evermore

Evermore is a start-up creating an infrastructure for the circular economy by tokenizing physical consumer products, which enables trustless and efficient resale while unlocking customer data and resale royalties for brands. Their platform supports a marketplace for peer-to-peer transactions of pre-loved items, facilitating direct engagement between brands and resale customers through digital product passports. The start-up has gained traction through partnerships and public beta launches, positioning itself at the intersection of sustainable fashion, online resale growth, and Web3 technology innovations.

Renora Technologies

Renora is a non-custodial, SaaS-based robo-advisory platform that provides passive and systematic investment strategies in digital assets. The platform features a proprietary Dips Dollar Cost Averaging (DDCA) protocol, which operates on exchanges and blockchains to help users systematically accumulate assets, generate yield, and manage liquidation and spending. Renora's technology automates the entire investment process, focusing on low costs, high liquidity, and ease of use, while also enabling self-custody and self-governance of assets​.

Sorcel

Sorcel empowers Web3 enthusiasts and no-code users to build decentralized applications (dApps) by token-gating parts of their websites and integrating essential blockchain functionalities, such as e-commerce and voting, without needing technical expertise. Users can create exclusive experiences and private sections of their websites, accessible only to token holders, and can also offer non-transferable rewards and discounts. Additionally, Sorcel supports integration with major payment solutions like Stripe and Coinbase Commerce, alongside enabling token-based voting modules, making it a comprehensive tool for anyone looking to leverage blockchain technology in their digital spaces.

Stablecoin:

VNX

VNX Commodities is Europe's first regulated tokenization platform and stablecoin issuer, registered with the Liechtenstein FMA under the TT Token Providers and Services Act (TVTG). In 2021 VNX launched VNXAU, a multichain token backed by physical gold, later VNX launched two fully backed stablecoins: VEUR and VCHF. With this project, VNX aims to expand operations to the XRPL ledger by issuing VNX tokens on the XRPL.

Payments:

meCash

meCash is a financial technology startup that facilitates cross-border payments for small and medium-sized enterprises (SMEs) using blockchain technology. The company offers a multi-currency wallet that allows businesses to store value, hedge against currency fluctuations, and make international payments quickly and securely. Through its platform, meCash aims to simplify international trade for businesses by reducing the costs and inefficiencies typically associated with traditional payment channels.

Breezepay

Breezepay integrates with both online stores and Point-of-Sale systems, allowing users to seamlessly pay for goods and services with their cryptocurrency at the click of a button. Using the XRP Ledger, customers can unlock the value of their XRP-based assets by simply connecting their wallet to Breezepay and paying for everyday goods, similar to a card transaction.

Digital Identity (DID)

SELF

Self revolutionizes digital interaction and trust-building by ensuring that every user's identity is verified through native biometrics and anchored to their human identity, not just a proxy. This platform leverages end-to-end encrypted communications combined with ID-anchored calling and messaging, allowing true verification of all parties involved, significantly reducing the risk of impersonation and fraud. By integrating digital identity, encrypted communication, and smart ticketing, Self not only enhances regulatory compliance and convenience but also drives higher conversion rates and secures operations across various sectors from online retail to hospitality and beyond, making daily activities like traveling, shopping, and voting safer and more seamless.

Data Verifiable Credentials

Filedgr

Filedgr is revolutionizing business transparency with its Digital Certificates and Data Twin Data Hub, ensuring that companies can provide clear, secure, and verifiable information throughout the entire lifecycle of their products. By leveraging blockchain technology, Filedgr enhances credibility, operational efficiency, and consumer trust by tackling greenwashing and ensuring data authenticity from manufacturing through ownership and beyond. This platform not only supports sustainable business practices but also serves as a robust tool for risk minimization, efficiency improvement, and strengthening brand integrity, making it a vital asset for integrity-driven companies in today's market.

Social Finance (SocialFi)

Beoble

Beoble provides a secure and user-owned messaging community, enabling wallet-to-wallet communication through an end-to-end encrypted platform. This communication infrastructure not only supports most major wallets but also offers a seamless integration toolkit for Dapps, ensuring no compromise on privacy, security, or user experience. Additionally, Beoble enhances the social and messaging functionalities of Web 3.0 applications, offering modular APIs and SDKs that empower native dApps with social profiles, decentralized identity (DID), and customer support tools, thereby fostering community growth and increasing user engagement and retention.

The XRPL Accelerator is dedicated to empowering and supporting innovative projects that contribute to the growth and development of the XRPL community. These projects, spanning diverse sectors and applications, highlight the transformative potential of blockchain technology.

To learn more about the XRPL Accelerator and stay updated on upcoming opportunities, visit xrplaccelerator.org.

Stay tuned for more exciting updates as these projects progress and bring their groundbreaking solutions to life.

https://dev.to/ripplexdev/18-projects-announced-as-part-of-xrpl-accelerator-first-launch-cohort-3eb0

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Brad Garlinghouse In Washington šŸš€

It’s time for a fair and open level playing field.

Under Gary Gensler it was quite the opposite.

  • Brad Garlinghouse
    July 9, 2025
00:01:56
More Of The Same...l

🚨 JUST IN: Patriot Tom Fitton, who has been fighting DOJ and FBI to release documents for years, has practically thrown in the towel.

šŸ‘‰ "The justice department and the FBI are irredeemably compromised and corrupted.
The leadership needs to understand that and act accordingly." ~Tom Fitton

00:01:30
Christine Lagarde just gave Ripple & Circle A Shoutout!
00:00:44
šŸ‘‰ Coinbase just launched an AI agent for Crypto Trading

Custom AI assistants that print money in your sleep? šŸ”œ

The future of Crypto x AI is about to go crazy.

šŸ‘‰ Here’s what you need to know:

šŸ’  'Based Agent' enables creation of custom AI agents
šŸ’  Users set up personalized agents in < 3 minutes
šŸ’  Equipped w/ crypto wallet and on-chain functions
šŸ’  Capable of completing trades, swaps, and staking
šŸ’  Integrates with Coinbase’s SDK, OpenAI, & Replit

šŸ‘‰ 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 šŸ‘‰txns done by AI agents by 2025

🚨 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.

šŸ‘‰ Coinbase just launched an AI agent for Crypto Trading

same for: https://coinmarketcap.com/community/articles/686e68f5d405956445e039ff/

🚨 Ripple Picks BNY Mellon to Back RLUSD Stablecoin Amid Major Surge 🚨

Ripple has selected BNY Mellon, one of the world’s largest and most trusted financial institutions, to serve as the primary custodian for its RLUSD stablecoin. This decision comes as RLUSD experiences a surge in demand, highlighting growing institutional interest in Ripple’s stablecoin offering.

šŸ”¹ Institutional Partnership

šŸ”¹ BNY Mellon will safeguard the reserves backing RLUSD, ensuring transparency, security, and regulatory compliance for the stablecoin.

šŸ”¹ This partnership is designed to build trust with both institutional and retail users by leveraging BNY Mellon’s expertise in asset custody.

šŸ”¹ RLUSD’s Rapid Growth

šŸ”¹ RLUSD has seen a significant increase in adoption, reflecting confidence in Ripple’s approach to stablecoins and its commitment to compliance and transparency.

šŸ”¹ The collaboration with BNY ...

From Wall Street to Web3: Building Tomorrow’s Digital Asset Markets

COMMITTEE ON BANKING, HOUSING, AND URBAN AFFAIRS will meet in OPEN SESSION, HYBRID FORMAT to conduct a hearing entitled, ā€œFrom Wall Street to Web3: Building Tomorrow’s Digital Asset Markets.ā€ The witnesses will be: The Honorable Summer Mersinger, CEO, Blockchain Association; Mr. Jonathan Levin, CEO, Chainalysis; Mr. Dan Robinson, General Partner, Paradigm; Mr. Brad Garlinghouse, CEO, Ripple; The Honorable Timothy Massad, Research Fellow and Director of Digital Assets Policy Project of the Mossavar-Rahmani Center for Business and Government, Kennedy School of Government at Harvard University, former CFTC Chairman; and Mr. Richard Painter, S. Walter Richey Professor of Corporate Law, University of Minnesota Law School, former Associate Counsel to the President and chief White House ethics lawyer.

https://www.banking.senate.gov/hearings/from-wall-street-to-web3-building-tomorrows-digital-asset-markets

ā€¼ļøXRP ETF INFOGRAPHIC REVEALS AMERICAN EXPRESS UTILIZES XRPā€¼ļø

ā€œA well-known company that uses XRP is American Express, which leverages RippleNet to enable realtime cross-border payments for corporate clients.

Through its partnership with Ripple, American Express uses XRP indirectlyvia Ripple's infrastructure to facilitate faster and more transparent transactions between the U.S. and international markets, helping businesses move money efficiently and reduce settlement times from days to seconds.ā€āœ…

OP: Smqkedqg

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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 PostĀ 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,ā€ he said.

Meanwhile, Reza Pahlavi, the exiled son of Iran’s last monarch,Ā called onĀ military and security forces to abandon the regime, accusing Supreme Leader Ayatollah Ali Khamenei in a Persian-language social mediaĀ postĀ 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,Ā repostingĀ 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!" LevinĀ 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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šŸ’³ PayPal:Ā 
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Your generosity keeps this mission alive, for all! NamastĆ© šŸ™ Crypto Michael ⚔ Ā The Dinarian

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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:

ā€œCritical 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)).ā€

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

ā€œWe 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.ā€

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:

šŸ’³ PayPal:Ā 
1) Simply scan the QR code below šŸ“²
2) or visit https://www.paypal.me/thedinarian

šŸ”— 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! NamastĆ© šŸ™ Crypto Michael ⚔ Ā 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 HeaverĀ explained:

ā€œRWA issuance is no longer theoretical. It’s now a regulatory reality.ā€

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:

ā€œTokenization will redefine global finance in 2025.ā€

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.

Ā 

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šŸ™ Donations Accepted šŸ™

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

šŸ’³ PayPal:Ā 
1) Simply scan the QR code below šŸ“²
2) or visit https://www.paypal.me/thedinarian

šŸ”— 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! NamastĆ© šŸ™ Crypto Michael ⚔ Ā The Dinarian

Ā 

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