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

It’s happening. Institutional access to crypto is accelerating.

From the launch of XRP Futures and ETFs on CME and Nasdaq just this week, it’s clear the market is maturing and exposure to crypto is expanding.

@bgarlinghouse locks in for 60 seconds and unpacks the excitement around crypto ETFs in a special episode of Crypto In One Minute. ⏱️

00:01:21
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Latest From Reggie Middleton...

He is going after the BIG DOGS!

Got $VERI?

00:00:15
EVERYTHING IS PLANNED AHEAD OF TIME WITH DUE DILIGENCE ✨🙌🏾💫

Still believe the government's had your best interests in mind? THEY are in a BIG CLUB and YOU'RE NOT IN IT.

00:04:42
Silicone Valley & Wallstreet Do Not Play Games...

“Here is why you should write your own code.

All that copying, swapping…you know the Bancor original model, you know where it infringed? That was my idea.

So my idea is in Bancor, it’s in Uniswap, it’s in SushiSwap it’s in PancakeSwap, and it’s throughout Binance, I believe Coinbase infringes, I believe every major exchange infringes…” @ReggieMiddleton (Veritaseum Inc.)

00:06:04
👉 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
🚀 US Banks Explore Joint Stablecoin Initiative to Transform Payments 🚀

🔹 Consortium Discussions: Major US banks are in early talks to create a collaborative stablecoin, with possible involvement from the company behind Zelle and The Clearing House, both of which are owned by leading US and international banks. Non-member banks might also be invited to participate.

🔹 Cross-Border Payment Advantages: #Stablecoins could eliminate the costly and slow layers of intermediaries in traditional cross-border payments, enabling instant, direct transfers without banking hour restrictions or compliance delays.

🔹 Regulatory Momentum: The likely passage of new stablecoin legislation in the US is motivating banks to act. Previous regulatory discouragement had slowed such initiatives, but the landscape is now shifting.

🔹 Competitive Landscape: Banks see stablecoins as both a threat and an opportunity. While stablecoins could reduce traditional deposit and payment revenues, banks can maintain relevance by offering seamless on- and off-ramps and potentially backing ...

📈 Stellar Lumens Approaching Golden Cross, Significant Rally Possible 📈

What to Know:

🔹XLM's golden cross indicates a bullish trend potential.
🔹Analysts suggest a possible 500% price increase.
🔹XLM competes with XRP in cross-border payments.

Stellar Lumens Approaching Golden Cross, Significant Rally Possible
Stellar Lumens (XLM) is nearing a golden cross, indicating a potential bullish trend, with analysts predicting a rally that could see prices increase significantly.

The impending golden cross of XLM underscores a potential market upturn, as investors anticipate strengthened performance trends in the cryptocurrency’s trading behaviors.

Golden Cross Implies 500% Price Surge for XLM

The golden cross, a technical indicator, suggests a potential rally in Stellar Lumens pricing. This pattern occurs when a short-term moving average crosses above a long-term moving average.

Stellar Lumens, a rival to Ripple's XRP, focuses on cross-border payments. Analysts note bullish indicators, with its 50-day moving average nearing a cross over the 200-day moving average....

🚀 South African High Court: Cryptocurrency Not Subject to Capital Controls 🚀

🔹 Landmark Ruling: The South African High Court has determined that cryptocurrencies are not covered by the country’s exchange control regulations, meaning they are neither classified as “money” nor “capital” under current law.

🔹 Case Background: Standard Bank challenged the South African Reserve Bank after the central bank seized funds linked to a company that had purchased and transferred substantial amounts of Bitcoin offshore. The court sided with Standard Bank, stating that the law must be interpreted narrowly due to the central bank’s significant forfeiture powers.

🔹 Legal Reasoning: The judge ruled that cryptocurrencies are not “money” because they are essentially digital codes on a ledger and have a global, non-jurisdictional nature. The court also found that cryptocurrencies do not fall under the definition of “capital” as intended by the legislation.

🔹 Legislative Implications: The court highlighted that if lawmakers want cryptocurrencies to be ...

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XDC Network's XVC Tech Announces Investment in Laser Digital Carry Fund, Launches Institutional Fund Infrastructure with Libre

XVC Tech, the venture capital arm of the XDC Network, today announced its investment in the Laser Digital Carry Fund (LCF), a market-neutral digital asset strategy managed by Laser Digital, the digital asset subsidiary of Nomura Holdings. As part of this collaboration, Libre, a regulated infrastructure provider for tokenized investment products will deploy its on-chain issuance and management framework on the XDC Network.

Libre’s integration brings a regulatory-compliant mechanism for the distribution of tokenized financial products to institutional and accredited investors on XDC Network. Having enabled tokenization of a broad range of strategies like regulated hedge funds, money market funds, and private credit including those managed by BlackRock, Brevan Howard, Hamilton Lane, and Laser Digital, Libre’s infrastructure supports the full lifecycle of fund issuance, including on-chain subscription, redemption, and transfer capabilities. This deployment marks a key step in extending access to regulated investment opportunities for institutional and accredited investors across the XDC ecosystem.

“This partnership with Laser Digital and Libre accelerates the integration of institutional capital into our blockchain through trusted and compliant frameworks,” said Thibault Delrue, Investment Manager at XVC Tech. “Libre’s deployment will make tokenized funds from some of the world’s largest asset managers accessible and mintable directly on our network, further extending our ecosystem of institutional partners.”

By combining Libre’s on-chain fund issuance infrastructure with XDC Network’s scalable, EVM-compatible infrastructure, the collaboration sets the stage for broader institutional adoption of blockchain-native financial products.

 
“We are excited to expand the reach of the Laser Carry Fund through XDC’s high-performance infrastructure,” said Florent Jouanneau, Partner at Laser Digital. “Libre’s deployment represents a meaningful step toward unlocking cross-chain composability and extending institutional-grade investment access to new blockchain ecosystems.”

The Laser Digital Carry Fund is a high-yield, market neutral strategy that takes advantage of funding rates and yield opportunities in the digital asset market. Through Laser Digital’s heritage, the Laser Digital Carry Fund capitalises on capital markets and risk management expertise in traditional and digital markets.

“Bringing the Libre Gateway to XDC reflects our commitment to enabling institutional and accredited investors to access top-tier real-world assets via secure and compliant blockchain infrastructure,” said Dr. Avtar Sehra, CEO of Libre. “XDC’s low-cost, high-throughput environment provides an ideal foundation for issuing and managing tokenized funds at scale.”

About XDC Network

XDC Network is a blockchain specifically developed to support trade finance and RWA tokenization. A highly optimized, EVM-compatible Layer 1, XDC Network reaches consensus through a delegated proof-of-stake (dPoS) mechanism, which allows for a transaction time of mere seconds, near-zero gas fees, and a high number of transactions per second (TPS).

Secure, scalable, and highly efficient, the XDC Network powers a wide range of novel blockchain use cases and provides state-of-the-art infrastructure for enterprise-grade blockchain applications. For more information, users can visit https://XinFin.org or https://XDC.org.

About XVC Tech

Founded by the co-founders of XDC Network, Atul Khekade and Ritesh Kakkad, XVC Tech is a US $125mn Fund focussed on exploring investment opportunities in NextGen Technology Solutions. Portfolio companies include DeGaming, a decentralized i-gaming infrastructure protocol, Bolero, a platform fractionalizing IP of music assets via smart contracts or Truflation, an oracle for RWA, indexes and inflation.

About Laser Digital:

Laser Digital is a digital asset business redefining the frontier of digital finance. Backed by Nomura, Laser Digital delivers scalable, robust opportunities across trading, solutions, asset management and ventures. The team works at higher risk management standards, compliance, and commercial viability, all driven by a belief in more responsible engagement in digital assets. With an open and dynamic culture, Laser Digital has the freedom to adapt to market needs, to move swiftly to capitalisation, and to share learnings with clients and partners – bringing greater confidence to the institutional market for the benefit of all.

For more information about Laser Digital, users can visit https://www.laserdigital.com

About Libre

Libre is a fully on-chain infrastructure platform purpose-built for the tokenization and compliant distribution of regulated real-world assets (RWAs). As a dedicated Layer 1 AppChain, Libre enables asset managers to issue and manage institutional funds on-chain supporting on-chain subscriptions, redemptions, and cross-chain allocations through the Libre Gateway.

To date, over $700+ million in assets from leading global institutions, including BlackRock, Brevan Howard, Hamilton Lane, and Laser Digital, have been tokenized using Libre’s infrastructure. From money markets to alternative strategies, Libre transforms institutional finance into secure, composable, and DeFi-native building blocks, paving the way for a new era of programmable capital. At present, Libre makes its tokenized funds available exclusively to institutional and accredited investors.

For more information, users can visit https://www.librecapital.com

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XRP Resurrected: Ripple’s Legal Victory and Global Banking Bet Set the Stage for a Massive Institutional Wave

XRP Isn’t Dead, It’s Repositioning to Become the Liquidity Engine of Global Finance

For years, XRP was written off by much of crypto Twitter as a “boomer coin”—a relic from the pre-DeFi era, stuck in a brutal SEC lawsuit and overshadowed by flashier narratives. But while the industry obsessed over yield farming and memecoins, Ripple Labs quietly kept building real financial infrastructure—and it’s finally starting to matter.

With partial legal clarity, growing institutional traction, and Ripple’s aggressive push into tokenized real-world assets (RWAs), XRP is back in the conversation. And whether you like it or not, it’s still one of the only cryptoassets being actively integrated into global banking rails.

Let’s unpack the new XRP narrative and why 2025 might be the year this OG coin makes its institutional comeback.

⚖ SEC Case: Ripple’s Win Was Bigger Than You Think

In July 2023, Ripple scored a major victory in its long-running battle with the U.S. SEC:

  • The court ruled that XRP is not a security when sold on exchanges, though some institutional sales were considered securities.
  • This gave XRP a form of legal clarity that few other tokens have in the U.S. today.
  • Major exchanges like Coinbase and Kraken relisted XRP almost immediately.

The outcome doesn’t just clear the path for XRPit sets a precedent for other token projects, and positions Ripple as a battle-hardened compliance veteran in an increasingly regulated market.

🌎 Ripple’s Real-World Strategy: Institutional Settlement Infrastructure

While DeFi projects fight over TVL, Ripple is targeting the SWIFT system itself. Its flagship products:

  • RippleNet: A network for real-time cross-border payments using XRP as a bridge asset.
  • ODL (On-Demand Liquidity): Uses XRP to eliminate the need for pre-funded nostro/vostro accounts in international settlements.

Ripple is already partnered with:

  • Tranglo (Asia-Pacific remittances)
  • Santander
  • Bank of America (Ripple has hinted at deep ties post-lawsuit)
  • Hundreds of banks and financial institutions across 50+ countries

The key point? This is real utility, not vaporware. XRP isn’t meant for retail yield farmers—it’s plumbing for global money movement.

♻️ XRP Ledger (XRPL): A Sleeping Giant for Tokenization

Beyond payments, Ripple is now aggressively expanding into tokenized assets—a multitrillion-dollar opportunity:

  • XRP Ledger supports native token issuance—no smart contracts needed.
  • Ripple is launching its own RWA platform, letting institutions issue tokenized real estate, bonds, CBDCs, and more.
  • XRPL is adding Ethereum Virtual Machine (EVM) compatibility, opening the door to DeFi and NFTs.

If tokenized treasuries and private markets are the future of crypto-scale finance, XRPL is shaping up to be one of the quiet contenders to host it all.

💰 XRP Tokenomics: Fast, Efficient, Scarce

What makes XRP compelling as a base-layer asset?

  • Transactions settle in 3–5 seconds, with throughput of 1,500+ TPS.
  • Minuscule fees—fractions of a cent.
  • XRP is deflationary: every transaction destroys a tiny amount of XRP.
  • Fixed supply: 100 billion total, no inflation.

Unlike Ethereum, which struggles with fee volatility, XRP was engineered for stability and speed. For enterprise use, that still matters.

📉 What’s Holding XRP Back?

Let’s be blunt—there are legitimate criticisms:

  • Perception as centralized: Ripple holds a large share of XRP, and critics argue the network isn’t sufficiently decentralized.
  • Retail fatigue: Years of stagnation and lawsuit baggage have drained community enthusiasm.
  • Limited DeFi ecosystem: Compared to Ethereum, Solana, or Cosmos, XRPL has been slow to attract builders—though this is rapidly changing in 2025.

But those very criticisms are why XRP might have asymmetric upside now—the market isn’t pricing in the institutional pivot that’s already in motion.

🧭 Final Take: XRP Is a War-Torn Veteran Ready to Reenter the Arena

In a market obsessed with memes and modular rollups, XRP represents the boring, functional layer crypto has largely ignored—but global institutions still want.

With legal clarity, a real payments network, a growing role in tokenized finance, and battle-tested infrastructure, Ripple is turning XRP into the compliance-grade utility token the TradFi world actually trusts.

Prediction: By the end of 2025, XRP will be one of the top 3 assets used in real-world tokenization, banking settlement, and cross-border finance—regardless of its popularity on crypto Twitter.

While the rest of crypto builds toys, Ripple is building rails. XRP may not moon overnight, but it’s positioned to outlast almost everyone else.

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

💳 PayPal: 
1) Simply scan the QR code 📲
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🔗 Crypto – Support via Coinbase Wallet to: [email protected]

Buy me a coffee: https://buymeacoffee.com/thedinarian

Your generosity keeps this mission alive, for all! Namasté 🙏 The Dinarian

 
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Ripple President: Bank of America Is Going “All In” on XRP – Is This the Start of a Global Shift?

Ripple’s president has made a bold statement: Bank of America is going “all in” on XRP. This confirmation came from a video posted by NCashOfficial with 207K YouTube subscribers and adds serious momentum to what’s already shaping up to be a major trend, big banks diving headfirst into blockchain and crypto infrastructure. And it’s not just Bank of America. Other financial giants are already deep in the space, signaling that a major shift could be underway.

Ripple and Bank of America have been connected for years. The bank was one of Ripple’s early partners, originally testing messaging solutions tied to payment infrastructure. But according to Ripple President Monica Long, things are accelerating. She shared that after key policy rollbacks, like SAB 121 being pulled back, Bank of America’s tone changed completely. Their leadership is now saying they’re “all in.”

While she didn’t say “XRP” outright, it was clear she was referring to Ripple’s blockchain-based payment systems. Long explained that the bank has been in recent talks with Ripple about transaction banking and stablecoin products, adding even more fuel to the idea that something big is unfolding.

Wall Street Banks Are All Moving In

And it’s not just Bank of America. Big names like JP Morgan, Citi, and State Street are all laying the groundwork for deeper blockchain involvement. JP Morgan is pushing forward with its Onyx platform, although it runs on a private network. That’s where things get interesting, private chains, many argue, just don’t have the reach or liquidity of public ones like XRP-.

Meanwhile, Citi is building digital asset custody solutions, and BNY Mellon launched an on-chain offering just weeks ago. State Street is planning crypto custody by 2026. The big players are preparing for a tokenized future.

Regulations Are No Longer Holding Back Big Banks

In the past months, the U.S. government has quietly cleared the runway for banks to enter crypto. With SAB 121 rolled back and the OCC, FDIC, and Fed easing restrictions, traditional banks suddenly have the green light. That shift hasn’t gone unnoticed.

Former CFTC Chair Chris Giancarlo even said that banks now face pressure to act, or risk falling behind. He compared the change to digital photography wiping out Kodak. In the same way, stablecoins and crypto rails could soon replace the outdated correspondent banking model.

Could XRP Be at the Heart of This Transformation?

Here’s where the XRP rumors kick in. Some reports, though unconfirmed, suggest that Bank of America was using XRP internally for two years before regulatory issues paused the process. Ripple has never confirmed this, but it’s known that the bank plans to use Ripple’s On-Demand Liquidity once the legal dust settles.

All signs point to XRP being part of a much bigger institutional strategy. From longtime partnerships to behind-the-scenes testing, Ripple’s tech seems to be ready for prime time. And with the floodgates opening, according to Monica Long, more banks could be next.

With Ripple’s infrastructure maturing and U.S. regulations easing up, it feels like this might just be the beginning of a much larger wave of adoption.

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🙏 Please Support My Work 🙏

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

💳 PayPal: 
1) Simply scan the QR code 📲
2) https://www.paypal.me/thedinarian

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

Buy me a coffee: https://buymeacoffee.com/thedinarian

Your generosity keeps this mission alive, for all! Namasté 🙏 The Dinarian

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