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:
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:
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 - andmany 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:
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:
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.
"The bankers [have] put Trump in to get the control grid for them... [but] everybody wants... their own control grid. The Chinese and the Russians don't want the City of London controlling their CBDC... [so these powers are] fighting with each other."
This clip of Fitts, a former Assistant Secretary of Housing and Urban Development, investment banker, and founder of the Solari Report (@solari_the), is taken from a discussion with CapitalCosm (@CapitalCosm) posted to YouTube on January 10, 2026.
----------------Partial transcription of clip---------------
"What happened was, when the administration came in, I had said in 2024, the bankers are going to put Trump in to get the control grid for them. And in fact, that's what happened. But it was moving so quickly, Danny, I literally, I would do an interview like this, and I couldn't remember all the things he'd done last week. They were moving so fast.
"So we just started to make a collection and I could send people and ...
👉 Coinbase just launched an AI agent for Crypto Trading
Custom AI assistants that print money in your sleep? 🔜
The future of Crypto x AI is about to go crazy.
👉 Here’s what you need to know:
💠 'Based Agent' enables creation of custom AI agents
💠 Users set up personalized agents in < 3 minutes
💠 Equipped w/ crypto wallet and on-chain functions
💠 Capable of completing trades, swaps, and staking
💠 Integrates with Coinbase’s SDK, OpenAI, & Replit
👉 What this means for the future of Crypto:
1. Open Access: Democratized access to advanced trading
2. Automated Txns: Complex trades + streamlined on-chain activity
3. AI Dominance: Est ~80% of crypto 👉txns done by AI agents by 2025
🚨 I personally wouldn't bet against Brian Armstrong and Jesse Pollak.
👉 Coinbase just launched an AI agent for Crypto Trading
👉 Coinbase just launched an AI agent for Crypto Trading
🚨 Ripple Pushes RLUSD for Institutional Payments as BlackRock Watches 🚨
Ripple is accelerating its NYDFS-approved stablecoin RLUSD into big-ticket treasury and fund workflows—quietly making it the settlement rail under BlackRock’s tokenized money-market product BUIDL and stoking speculation of wider asset-manager uptake.
🔑 Key points
🔹 Stablecoin specs: RLUSD—1:1 USD + T-bill reserves, dual-native on XRPL and Ethereum—crossed 1 B market-cap in late 2025; designed for intra-bank and remittance settlement, not retail meme trading.
🔹 BlackRock link: Via Sep-2025 Securitize integration, RLUSD is now the 24/7 off-ramp for BUIDL (BlackRock’s on-chain U.S.-Treasury fund); investors swap tokenized T-bill shares for RLUSD, then wire out—no T+2, no counter-party FX drift.
🔹 Live workflow: Pension funds and broker-dealers already mint/redeem RLUSD against BUIDL positions same-day; Ripple pitching custody banks to plug RLUSD into repo, FX and cross-border corridors next.
Earlier this week, UFO/UAP whistleblower David Grusch appeared on The Megyn Kelly Show for a brief but revealing interview. During the conversation, Grusch named individuals he claimed were involved in managing the alleged UFO/UAP Legacy crash retrieval program, statements that immediately drew attention across the disclosure community.
Most notably, Grusch asserted that former Vice President Dick Cheney played a central role in overseeing the program. Cheney’s name has circulated within UFO/UAP research circles for years, but this marks the first time it has been spoken publicly by a former intelligence official who claims direct knowledge of the issue. It is also notable that just weeks ago, journalist Ross Coulthart independently referenced Cheneyin a similar context, lending additional weight to the consistency of these claims.
Grusch also named former Director of National Intelligence James Clapper, stating that Clapper was not only aware of the crash retrieval issue, but managed it and helped place individuals into key roles, both publicly and behind the scenes. These are serious assertions that warrant scrutiny and further investigation, given their potential implications for disclosure.
Please watch the full interview and consider its significance within the broader context of the disclosure conversation. Please note that the interview concludes with a paid promotional pitch, and Grusch does not provide any additional comments after the pitch.
🙏 Donations Accepted, Thank You For Your Support 🙏
If you find value in my content, consider showing your support via:
Stellar CEO Reveals Where Real Opportunity Lies in Crypto Market: Details
In a recent tweet, Stellar Development Foundation (SDF) CEO and Executive Director Denelle Dixon defines what "real opportunity" is in blockchain as a new financial future beckons.
The SDF CEO was reacting to a recent Bloomberg report on Bank of New York Mellon Corp (BNY), Nasdaq, S&P Global and iCapital participation in a new $50 million investment round by Digital Asset Holdings. This comes as some of Wall Street’s biggest names embrace the technology that underpins cryptocurrencies to handle traditional assets.
Reacting to this development, Stellar Foundation CEO Denelle Dixon stated that every blockchain investment is a bet on a different financial future. Dixon added that seeing banks explore blockchain technology validates what has been known over the years.
Real opportunity defined
While Wall Street’s biggest names betting on blockchain might be one of the most significant adoption milestones in the digital asset market, Dixon defines what real opportunity is and what it is not.
According to the SDF executive director, real opportunity is not replicating old systems on new rails but rather building open networks that fundamentally expand global finance participation.
"But the real opportunity isn’t replicating old systems on new rails—it’s building open networks that fundamentally expand who gets to participate in global finance. That’s the opportunity," Dixon tweeted.
At the Meridian 2025 event, Stellar outlined its long-term privacy strategy, committing to investing in critical privacy infrastructure and building foundational cryptographic capabilities.
Stellar eyes privacy upgrade
A new protocol upgrade is on the horizon for the Stellar network: X-Ray, which lays the groundwork for developers to build privacy applications on Stellar using zero-knowledge (ZK) cryptography.
The protocol timeline testnet vote is anticipated for Jan. 7, 2026, while the mainnet vote is expected for Jan. 22, 2026.
XDC Network's acquisition of Contour Network marks a silent shift to connect the digital trade infrastructure to real-time, tokenized settlement rails.
In a world where cross-border payments still take days and trap trillions in idle liquidity, integrating Contour’s trade workflows with XDC Network Blockchains' ISO 20022 financial messaging standard to bridge TradFi and Web3 in Trade Finance.
The Current State of Cross-Border Trade Settlements
Cross-border payments remain one of the most inefficient parts of global finance. For decades, companies have inter-dependency with banks and their correspondent banks across the world, forcing them to maintain trillions of dollars in pre-funded nostro and vostro balances — the capital that sits idle while transactions crawl across borders.
Traditional settlement is slow, often 1–5 days, and often with ~2-3% in FX and conversion fees. For every hour a corporation can’t access its own cash increases the cost of financing, tightens liquidity that could be used for other purposes, which in turn slows economic activity.
Before SWIFT, payments were fully manual. Intermediary banks maintained ledgers, and reconciliation across multiple institutions limited speed and volume.
SWIFT reshaped global payments by introducing a secure, standardized messaging infrastructure through ISO 20022 - which quickly became the language of money for 11,000+ institutions in 200 countries.
But SWIFT only fixed the messaging — not the movement. Actual value still moves through slow, capital-intensive correspondent chains.
Regulated and Compliant Stablecoin such as USDC (Circle) solves the part SWIFT never could: instant, on-chain settlement.
Stablecoin Settlement revamping Trade and Tokenization
Stablecoin such as USDC is a digital token pegged to the US Dollar, still the most widely used currency for trade, enabling the movement of funds instantly 24*7 globally - transparently, instantly, and without the need for any intermediaries and the need to lock in trillions of dollars of idle cash.
Tokenized settlement replaces multi-day reconciliation with on-chain finality, reducing:
Dependency on intermediaries
Operational friction
Trillions locked in idle liquidity
For corporates trapped in long working capital cycles, this is transformative.
Digital dollars like USDC make the process simple:
Fiat → Stablecoin → On-Chain Transfer → Fiat
This hybrid model is already widely used across remittances, payouts, and treasury flows.
But one critical piece of global commerce is still lagging:
👉 Trade finance.
The Missing link is still Trade Finance Infrastructure.
While payments innovation has raced ahead, trade finance infrastructure hasn’t kept up. Document flows, letters of credit, and supply-chain financing remain siloed, paper-heavy, and operationally outdated.
This is exactly where the next breakthrough will happen - and why the recent XDC Network acquisition of Contour is a silent revolution.
It transforms to a new era of trade-driven liquidity through an end-to-end digital trade from shipping docs to payment confirmation – one infrastructure that powers all.
The breakthrough won’t come from payments alone — it will come from connecting trade finance to real-time settlement rails.
The XDC + Contour Shift: A Silent Revolution
Contour already connects global banks and corporates through digital LCs and digitized trade workflows.
XDC Blockchain brings a settlement layer built for speed, tokenization, and institutional-grade interoperability and ISO 20022 messaging compatibility
Contour’s digital letter of credit workflows will be integrated with XDC’s blockchain network to streamline trade documentation and settlement.
Together, they form the first end-to-end digital trade finance network linking:
Documentation → Validation → Settlement all under a single infrastructure.
XDC Ventures (XVC.TECH) is launching a Stable-Coin Lab to work with financial institutions on regulated stablecoin pilots for trade to deepen institutional trade-finance integration through launch of pilots with banks and corporates for regulated stable-coin issuance and settlement.
Sign Up for free to see more from this community or subscribe to TheDinarian for $5/month to support TheDinarian for more interaction and exclusive content.
Welcome to the Dinarian on Locals, where we discuss everything blockchain and digital asset related. We are here to learn from one another as this is a new and ever evolving space. Please post and share what you like, but be respectful to others as they are here to learn as well.
Knowledge is power, using that knowledge can be extremely powerful,
The Dinarian