🛠In past 2 months I've been building the biggest research project of my life Today I'm proud to announce, The Research Portal is LIVE & FREE to all! Everything DLT all in 1 hub Courses Guides MindMaps $QNT $MNW $EWT $DAG $CSPR +more coming 🎥Check the full video breakdown!

INSTITUTIONAL ADOPTION x ENTERPRISE DLT $XRP: Agnostic bridge bank currency $HBAR: Network for institutional trust $XLM: Financial rails to all citizens $ALGO: Base layer for real world utility $QNT: Rails for past, present & future money $XDC: Infrastructure for digital trade $CHEQ: Universal agnostic trust registry $IOTA: Network for real world use of data $DAG: Military/govt grade E2E cybersecurity $ONDO: Public access to institutional RWAs $LINK: Leading oracle across DeFi & TradFi $APT: Institutional use of tokenized settlement

This week so far... $XRP is up 113% $XLM is up 91% $HBAR is up 75% $ALGO is up 52% $XDC is up 52% $QNT is up 44% $IOTA is up 37% "Dino coins" are up n running🦖 You love to see it.

𝐓𝐡𝐞 𝐑𝐢𝐩𝐩𝐥𝐞 $XRP 𝐈𝐜𝐞𝐛𝐞𝐫𝐠 This rabbit holes been forming for well over a decade, much longer than 99% of crypto projects. Most retail have heard of Ripple or XRP at some point. But 99% don't truly see what has allowed them to survive & thrive for so long in the DLT space. After all, it's likely not due to retail. We've seen the mass retail hatred & FUD for Ripple/XRP throughout the years. And even the SEC doesn't seem so fond of them. So what is it that's allowed Ripple to continue thriving and operating after all these years? It's exactly from the connections below. Ripple was arguably the FIRST financial leader to bring payment solutions on DLT. Since then they've become undeniably one of the leaders in the Future of Finance. From being involved and constantly mentioned by leaders such as the IMF/FSB/WEF/BIS/ISO. To a variety of collaborative work with industry leaders such as; • Joint venture with SBI Holdings • USD payments for HSBC SABB • FedNow partner Volante integration • Joining Mastercard's CBDC Program And of course, with the FinTech focus being CBDCs. Ripple is just as involved as ever. Currently there are a variety of CBDCs testing on Ripple's CBDC Platform ranging from; • Palau • Hong Kong • Montenegro • Georgia • Colombia • Bhutan Most interestingly, their involvement and connections to the Mojaloop Foundation brings in some of the highest level of connections. From elites like Bill & Melinda Gates, to the Rockefellers, Monetary Authority Singapore & even Google! Needless to say, all the right eyes are on Ripple. But this is what 90% don't see. They likely see headline titles involving Ripple of surface level news like their partnership with UpHold, the acquiring of Metaco & the SEC lawsuit news. What they don't realize is how established Ripple already is across the world. Real world DLT adoption is behind the scenes.

I don't take price complaints on XRP XDC XLM HBAR seriously these days Let's rewind 365 days & look where we were sitting: $HBAR: $0.063 $XLM: $0.10 $XDC: $0.029 $XRP: $0.62 Now let's compare to today HBAR: $0.256 (4.06x) XLM: $0.48 (4.8x) XDC: $0.096 (4.8x) XRP: $3.07 (4.95x) In nearly a year these all ran 4-5x You're not gonna find returns like that in any other market. And let's not forget that these tokens stayed in that range we were at a year ago for a long period of time. There's nothing wrong with the charts or market movements whatsoever. There's something wrong in the complainers timeframes and patience. Many of us have waited YEARS to see these levels. And it was nothing but conviction and research that fuelled us. Now we have everything from institutional adoption going full scale, to RWAs & more. Some of you guys don't know how good you have it these days. Many of which have bought in within the past 300 days Just know that things have never looked better. The risk and fear of holding these projects is diminishing day by day.

$HBAR = for WorldPay Proof of Reserve $QNT = in Oracle Blockchain Platform $XDC = as SBI's blockchain trading log $XRP = used by Novatti for cross border $XLM = WisdomTree tokenization foundation $IOTA = WEF & Trademark Africa E-Trade $ALGO = Enel Group tokenizes renewables $RENDER = Stability AI models on Render $DAG = Metagraph deployment by Panasonic $CHEQ = EU's foundation for trust registry $MNW = Building UN Transfer Protocol w ReLog $VELO = Visa's prime partner for Asian MSMEs $ONDO = Tokenization w Securitize for BUIDL $ICP = Cambodia govt's smart city foundation These are just some examples of how blockchain & DLT is being used far beyond crypto these days Long gone are the days of pure speculation We're now in the stages of real utility deployment Expect things to start moving faster from here as we begin truly seeing the benefits this technology brings to industries at scale.

Why $QNT? Standardized DLT interoperability via ISO & IETF Why $HBAR? Decentralized trust via a council of industry giants Why $XDC? UN verified DLT fit for digital trade finance Why $XRP? Bridge currency used by financial service firms Why $XLM? Financial infrastructure for unbanked Why $ALGO? EU E-Money + Key part of Italian economy Why $RENDER? GPU network used by Netflix, Apple, HBO, etc Why $IOTA? EBSI, Africa/WEF & Abu Dhabi backing IOTA Why $ONDO? US Treasuries w Securitize/BlackRock & more Why $DAG? US Govt/DoD verified data security & transit Why $CHEQ? Trust Registry foundation for EU Commission Why $VELO? Leading DLT payment innovation across Asia

$DAG now classified as "MISSION CRITICAL" by the US government was no overnight process. In fact it took years of resilience & adaptation. We can see the progression with each year their government connections only grow larger & stronger. In 5 years Constellation's went from a simple SBIR contract to being seen by the US government as mission critical for the future of government data security! It's about as perfect of a story of real world DLT adoption and utility as one could write up! Government adoption is a whole different path from what we discuss about enterprise adoption. It takes standardized infrastructure and backing from various government agencies. ➤Back in 2019, one could've argued that the SBIR contract was a 1 off kind of thing, ➤By 2021 Constellation had joined a small handful of companies to gain a direct grant to SBIR Phase II. ➤In 2023 we saw this advance from an SBIR contract to an OFFICIAL working MoU with US DoD to standardize IRON SPIDR under agencies like DISA & NIST. ➤Now in 2024, we're seeing just how much of the work was laid behind the scenes in past years. The speed Constellation's moved in the government space from SBIR to full contract, to now infrastructure for NDF has been nothing short of amazing. What's most interesting is that it's now gone far beyond just defense agencies. In the past it made sense that Constellation was mainly connected with defense agencies such as. ➤US Air Force ➤USTRANSCOM ➤618 Air Ops Centre ➤US Department of Defense After all, these were from DoD contracts. But as we've seen this past year it's extended to other governmental agencies with the NDF DAO utilizing the Hypergraph as the core infrastructure. ➤NASA ➤US Space Force ➤US Dept of Homeland Security ➤US International Space Station ➤US Department of Treasury This just further proves how much was going on behind the scenes over the past years. After all, we've gotta remember this is governmental work, 90% of the info is behind closed doors. To see the NDF ecosystem finally unveiled just makes me wonder what more there is that we don't know. The iceberg analogy would be a perfect way to describe Constellation's ties to the US government. It's extended beyond the public sector, as we've seen various F500s joining Constellation in this mission such as IBM & Microsoft. All this paired with their enterprise advisory with federal level connections rounds it up perfectly. With the Hypergraph at the heart of the NDF, one might even argue the real government works only begun. What we've previously seen with Constellation x DoD was purely setting up infrastructure. There was little if any real deployments as they needed to ensure governmental standard grade. As this progresses further we're really going to see the fireworks spark with government level Metagraphs built right on the Hypergraph. Constellation's taken what was a shot in the dark into some of the greatest innovations in DLT application. ✈️The skies the limit with what's to come next!

What side of the "Dino Coins" are you taking? L: $QNT $HBAR $XLM $IOTA R: $XDC $ALGO $XRP $ADA

Don't find "The Next", Instead find "The ONLY" That's where the long term values at. $QNT only one setting ISO & IETF standards $CSPR only DLT building with ACTUS $ALGO only DLT built by founder of zKPs $XDC only public DLT in ITFA & DNI $XRP only token with SEC clarity $HBAR only DLT with use in all industries $NXRA only MiCA compliant DeFi hub $CHEQ only SSID thats TC 307 compliant $LEOX only multi-chain utility focused RWA $RNDR only project backed by top 3 F500s $MNW only tech agnostic logistics middleware $EWT only DLT hosting all of SAFc, REC & D-ID $TAO only DLT network encompassing all of AI $DAG only public DLT granted US DoD contract $XLM only utility thats been utilized by the UN $IOTA only DLT building with EU, UAE & Africa $AZERO only DLT w 2+ MiCA compliant dApps Look for real innovation that hasn't been done before. What these projects offer are a new way to look at how DLT will be brought to mass utilization. There are hundreds of DeFi protocols, dozens of L1 ecosystems & infinitely more memecoins. But how many are truly one of a kind? Pioneers that are leading the way by building newfound solutions. The ones creating their own path, rather than ones simply following in the footsteps of others. That's what innovations all about.

$XDC Around the World 🇺🇸: TradeTeq tokenizing US Treasuries 🇹🇿: Zanzibar National Sandbox 🇦🇪: Abu Dhabi Global Markets RegLab 🇯🇵: SBI Holdings joint venture 🇬🇧: Enigio used in 1st UK EDTA trade 🇧🇷: Govt owned Serpro using XDC 🇦🇺: Novatti AUDD + DECA member 🇪🇺: Enigio on EU Digital Finance Platform 🇨🇳: Trade doc corridor across China & EU 🇸🇬: XDC integrated to IMDA's TradeTrust Probably missing a couple here, so feel free to add any other national level connections you see missing👇

Follow where the money Most the big names aren't in crypto They're in "Enterprise DLT" $QNT BIS: 63+ Central Banks Oracle: $50Bil revenue ISO: Global standards body $CSPR IBM: Top 3 IT firm BSN: China's leading DLT Hyperledger: 120+ consortium members $XRP Santander: $1.7Tril AUM ISDA: 500+ banks SAAB: Top 5 Saudi bank $NXRA USAid: $27Bil annual budget LSEG: Top 10 stock exchange F Templeton: $1.5 Tril AUM $HBAR Boeing: Largest aerospace corp UCL: Top 10 Uni globally Tata: Connect > 80% of cloud $XLM Fireblocks: $4Tril+ secured IBM: Service offered to 97% banks MoneyGram: 150 mil+ users/mo $MNW SAP: Top non-US tech company Gulftainer: Largest private port operator DHL: #1 global shipping company $RNDR NVIDIA: GPU monopoly Apple: It's Apple Microsoft: It's Microsoft $TRIAS Huawei: 2nd Largest Chinese tech firm Peking: Top 2 Uni in China, Top 20 globally Shopen: Building worlds largest ERP system $IOTA Engie: Awarded #1 Energy Dealer 2023 Dell: $101 Bil revenue, 2022 EU Comm: $185 Bil annual budget $EWT Shell: 4th largest energy corp RMI: Advises White House BMW: Top 5 auto manufacturer $LINK SWIFT: Global payment network Google: $1.63 Tril MC Amazon: It's Amazon $XDC ITFA: Global trade org ICC: 45 million members DCB: Top 15 bank in India $ALGO MIT: #1 Uni worldwide FIFA: Largest sports league T-Hub: India govt backed tech hub $FIL Accenture: #1 DLT consultancy GBBC: 3 DLT consortiums in 1 Consensys: Owned by JPM $AZERO SDX: 1st regulated tokenized exchange Prysm: Work w US Fed/DARPA/MIT/etc IBM: Worlds largest supercomputer, Summit Many more to the list, but these are where enterprises are looking Crypto is just 1 slice of the pie in DLT utility Companies aren't trying to launch the next Dogecoin, they're building tools to evolve their business This will in return evolve the industry as a whole🌐

If you bought $HBAR pre Nov, you're still up 306% If you bought $XRP pre Nov, you're still up 320% If you bought $XLM pre Nov, you're still up 166% If you bought $XDC pre Nov, you're still up 165% If you bought $ALGO pre Nov, you're still up 76% Guess there's some truth to time in the market over timing the market Even amidst this volatile market... It seems that patience and strategy is the way to go

$QNT-Tokeniced Communication📞 $DAG-Tokeniced Bandwidth📡 $ALBT-Tokeniced Finance🏦 $HBAR-Tokeniced Trust🤝 $XDC-Tokeniced Global Trade🧾 $MNW-Tokeniced Logistics📦 $EWT-Tokeniced Power🔋 $CSPR-Tokeniced Utility👻 $XRP-Tokeniced Settlements💵 🔬Tokenicer-Tokeniced Alpha

The progress $XDC has made in tokenizing global trade's been nothing short of amazing But today I want to highlight my personal 10 favorite developments from XDC since their inception in 2019 1⃣Initial testing within Abu Dhabi RegLab 2⃣Verified as MLETR ready tech by UNCITRAL 3⃣Only public DLT in ITFA's DSI/DNI Initiatives 4⃣SBI used XDC & Corda for cross border trade 5⃣Novatti AUDD to speed up cross border trade 6⃣Govt of Zanzibar using for national sandbox 7⃣SBI using to record trades across UAE & Japan 8⃣Used in UK's first EDTA trade by Lloyds Bank 9⃣Added into Singapore IMDA's TradeTrust 🔟Tokenized assets with Securitize & Archax

This year was one to remember for $XLM They bagged two legacy payments giants in Mastercard & Stripe. As Stellar's a payment focused DLT, this is HUGE But just how big are Stripe & Mastercard? In 2023 Mastercard processed over $9 Tril in transactions while Stripe did $1 Tril in total payments volume for the year. Some pretty impressive numbers, but lets look a little further at how essential these 2 are in payments. In the US 68% of E-Comm stores use Stripe for payments & ~20% of global payments go thru Mastercard. So as we can see... These two are pretty critical players within our global digital payments economy. Funny enough, Stripe & Mastercard are also my 2 primary uses of payments in my day to day. I use a Mastercard crypto cashback card for purchases while I receive payments for my business from clients via Stripe. And I know I'm far from the only one who regularly uses these services. Stripe & Stellar have some interesting history with their connections as Stripe was a seed investor of Stellar. Earlier this year we saw executives of Stripe invited to discuss at Stellar's Meridian event. On top of this we'd seen Stripe's Head of Crypto discussing plans for integration of Stellar into Stripe. While we've yet to see an official partner announcement, it's closer than ever. Integrations are already discussed, the connections are already established & potential utility is clear as day. On the other hand things with Mastercard seem to progressing quite smoothly. We'd seen Mastercard integrate their Crypto Credential Services into Stellar for verified interactions across public DLTs. More specifically this helps verify interactions among consumers and businesses on-chain. This also plays perfectly into all the regulations around crypto payments KYC/AML we've been seeing. But this is just Step 1 of the partnership. Mastercard aims to integrate far more services beyond just their crypto credentials in the years to come. And in return... We could soon see Mastercard's world class payment services live on Stellar too! –––––––––––––––––––– These two have been absolute payment giants in the legacy space. Mastercard has been dominating for decades, while Stripe has become the new hottest payments method with the boom in E-Commerce. I'd imagine that things with these two really begin kicking off in the Stellar ecosystem starting next year. Payments innovation on DLT is happening in front of our very eyes, you just gotta look in the right places. And as we've seen Stellar's the home for all that.💸

🌐It's not just ISO20022 ISO TC 307 links ISO20022 & ISO TC 68 (Founder of 20022) onto blockchain & DLT. How? ISO20022 = Financial data ISO TC 68 = Financial Services ISO TC 307 = Blockchain & DLT It all ties together into a harmonized, standardized financial system

The best is building on $HBAR #1 tech company: NVIDIA Verifiable Compute w EQTYLabs #1 asset manager: BlackRock MMF on Hedera via Archax #1 UK retail bank: Lloyds Collateralized FX w MMF on Hedera #1 payment firm: Visa Consumer payments with SKUx #1 2025 custody: BitGo On Hedera Governance Council #1 central bank: US Federal Reserve FedNow ISO20022 system adds Dropp #1 military/defense system: US DoD DoD backed Taekion builds on Hedera #1 consultancy firm: Deloitte ESG solutions with Hedera Guardian #1 payment provider in Aus: AP+ Aus Payment Plus using HashSphere #1 Swiss financial infrastructure: SIX SIX Groups BME invests in OpenBrick

Heres9⃣examples of governments & F500s adopting blockchain for industry use. We'll divide this into 3 sections INDUSTRY LEADERS $QNT $CSPR $XDC GOVERNMENT BODIES $DAG $IOTA $ALGO FORTUNE500s $RNDR $HBAR $MNW Each have proven adoption by legacy leaders. Lets dive deeper→ The term "utility" & "adoption" in this space can almost be seen as relative terms. Some see utility and adoption as any use case that can be accessed by public retail. But in this case, we're discussing utility and adoption by enterprises and governments for real world beneficial use cases for industry purposes. This can range from various benefits like: ➤Reducing use of paper in supply chains ➤Sped up settlement in financial markets ➤Tracing data provenance of databases These are real world benefits brought by blockchain that improve the global economies value production. Lets look at how each of these have been adopted. INDUSTRY LEADERS Quant Network being used in Project Rosalind by the BIS & Bank of England sent shockwaves throughout the crypto space. This was the first public announcement a public DLT project being utilized in a CBDC project. The fact that this same API layered models since been adopted by 4+ other CBDCs & even the IMF says all you need to know. Casper Network having been chosen by ACTUS as the only public DLT to build standardized financial contracts is also just as impactful. Given this is the standard body for financial contracts directly tied to ISO TC 68 (finance). This is real world use of smart contracts to elevate our current financial industry. XDC Network being the only public DLT in the ITFA & TFD Initiatives just further prove how they're viewed by trade leaders beyond the UN & ICC. When paired with their collaborations with governments in Abu Dhabi, Singapore & UK.... It really makes you wonder at what scale are governments beginning to look at XDC behind all the scenes. GOVERNMENT BODIES Constellation Network is now often touted as America's blockchain & for good reason. What started off simply as an SBIR contract has evolved into the US governmental agencies looking at Hypergraph as a mission critical for US' DLT adoption. From being used directly in defense operations vetted by the NIST, to being the foundation for the NDF DAO. IOTA presents a distributed level of government from across the globe, with each collaboration from a different continent. They've been building alongside the EU's DLT pilot projects since 2020-2021, when the EBSI had announced various pilot projects under EU PCP. But just over the past few months we now see IOTA expanding to the UAE with a Foundations HQ regulated by the ADGM & even trade solutions being developed on their network for Africa & UAE digital trade. Algorand can be seen as the blockchain for Italy & it's for good reason. Back in 2020 they had started off with collaborating with Italy's copyright collection agency by tokenizing copyrights as NFTs. But since then it's matured to both Blockchain Italia, a FinTech solution for Italy built on Algorand, in addition to the Bank of Italy using Algorand for bank garauntees. FORTUNE500 Render Network showcases network adoption by the top 3 largest companies in the world via Apple, Microsoft & NVIDIA. Additionally other names within the ecosystem that are also on the F500 include IBM, Google & more. With their network geared around distributed GPU utility, it seems many other F500 names are aligning their vision with Render for the future of GPUs, especially with the rise of AI. Hedera Hashgraph governance council is already made of various F500s and institutions around the world. But beyond governing, we've also seen both F500s in & outside of the council beginning to build solutions on the Hashgraph. From IBM building their Digital ID platform, to EDF testing RECs & even non council F500s like Hyundai & Kia building supply chain tracing solutions on Hedera. Morpheus Network has not only integrated F500 logistics platforms such as FedEx, DHL & UPS. They've also actively partnered and built with names like IBM, SAP & Google to integrate their middleware services to be accessible in most modern tech systems. One of the biggest solutions in the agnostic manner of Morpheus is the ability to easily integrate to F500 solutions for mass ease of access by other enterprises. These are the main 3 categories of real world DLT adoption I'm looking for. Obviously there are many other projects that would fit in these categories, many that we discuss. But for the most part, 99% of the industry has struggled with gaining this level of real world adoption. This isn't due to inadequacy in technology, But rather this is where things such as connections, business network & compatibility with the legacy system REALLY becomes visible. These projects are aligning themselves with the global leaders that have shaped our global economy🌐

Don’t use $QNT if you want to stay a walled garden Don’t use $CSPR if you don’t want benefits of X-permission chains Don’t use $XRP if you’d rather wait longer for payments & settling Don’t use $HBAR if you’d rather trust retail/VC validators Don’t use $NXRA if you’d rather have your DeFi tools siloed Don’t use $MNW if you want to scatter your supply chain management Don’t use $RNDR if you prefer to wear down your own GPU Don’t use $TRIAS if you have trust in current cybersecurity Don’t use $IOTA if you don’t want automated trusted consensus Don’t use $EWT if you want to be disconnected from DER grid Don’t use $DAG if you enjoy being limited by “If/Then” parameters Don’t use $TAO if you enjoy training AI models things can already know Don’t use $XDC if you want global trade to be slow and paper reliant Don’t use $LINK if you don’t want the best data source Don’t use $XLM if you want to keep locked liquidity in retail payments Don’t use $ALGO if you want amateur level R&D implemented Don’t use $AZERO if you’d rather use an external built L2 Don’t use $FIL if you’d rather risk having to secure your hard drives Don’t use $INX if you’d rather be caught selling unregistered securities Don’t use $WTK if you want to silo your digital payment applications Don’t use $DMTR if you’d rather stick to farming with no tech Don’t use #DLT if you want to be stuck in the past Evolve with innovation Consume & Adapt Don’t fear change, embrace it Tradition is the corpse of wisdom🪦

We've all seen this doc about $XRP & $XLM The IMF & World Bank refer to XRP/XLM as stablecoins As we know, USDC & USDT are examples of stablecoins Coins backed to a fiat currency. Obviously XRP & XLM don't follow this. But the IMF & World Bank don't specify WHAT exactly XRP & XLM are stable to. There's not a single currency that they use as a potential example for XRP & XLM to be pegged to. Instead they actually discuss the utilities of both XRP & XLM in their ability to be a bridge currency. Which ties in quite nicely given that you'd likely want a rather stable bridge asset. This is quite important as it shows the IMF & World Bank acknowledge the currency agnostic capabilities of XRP and XLM bridging cross currency payments. Though in theory, "stabilizing" the prices of XRP & XLM upon large adoption does make sense given their purpose of payments. The big question is WHAT their prices are stable to. This then leads us to another theory where Ripple CTO, had once said something quite interesting. In short David says that XRP can't be cheap since the use cases of it wouldn't scale to it's purpose. This is quite interesting, but in theory makes sense. XRP wants to be a liquidity and bridging solution for all the banks but theres a limited amount of XRP. On the other hand, XLM aims to be unlock value transfer for the people, but once again there's limited XLM. Total XRP: 99,987,452,475 Total XLM: 50,001,806,812 For the purpose of this example let's imagine XRP & XLM are both at $0.05. A dirt cheap price. Now lets say this central bank wants to send $5 Bil to another bank using XRP.... That equates to 100 Bil XRP. In other words, at $0.05 a single transfer of $5 Bil would use up more than ALL the XRP available. The same example can be applied with XLM though with many citizens sending money instead of banks. Now lets try this again, but this time XRP & XLM are both at $30. This time multiple central banks are sending large transactions at once totalling up to $60 billion. The amount of liquidity locked in this scenario is 12x as much as the example we just used. Yet this time, the total XRP used would only be 2 Bil! That's about 2% of the current total supply, Something MUCH more feasible to handle the load of a global payments network. In a sense, XRP & XLM scaling isn't so much to do with the network speed, they've proven that. But rather how divisible and scalable can the use of XRP & XLM get given their use case being so closely tied to fiat currencies and modern day payments. A truly interesting phenomenon. For these reasons, paired with the fact that we simply want stability in payments it would technically make sense to have XRP & XLM's prices pegged to something. We've proven why any fiat currency would be an unviable solution for this. If it was pegged to the USD, a transfer of $10 Bil would take up >10% of the total XRP supply. In other words with current prices of XRP at $0.58 & XLM at $0.10... This would not work at mass scale yet. Paired with the fact that we have to consider XRP & XLM are also held by millions users around the world, so we can't assume the total supply is the actual accessible supply at a given time. So what would XRP & XLM be backed to? Gold & Silver? Market Indicies? Something Else? Perhaps it could be one of these. But stability doesn't always have to come thru pegging an asset to a pre existing value. It could also refer to the fact that XRP & XLM being used in cross border payments would mean constant buy & sell pressure of the tokens at near even rates. In an idealistic scenario, the use and mechanism of XRP & XLM would stabilize itself thanks to the large liquidity and constant use. But even if that were the case... The point still stands that the current prices of XRP & XLM simply aren't fit for the long term vision of what the IMF & World Bank are discussing yet. But at the end of the day... This is just some fun speculation and research. It'll certainly be interesting to see how this plays out in the long run given the logic behind it. 𝐉𝐮𝐬𝐭 𝐬𝐨𝐦𝐞 𝐟𝐨𝐨𝐝 𝐟𝐨𝐫 𝐭𝐡𝐨𝐮𝐠𝐡𝐭🤔

🚨The past week $XLM $ALGO $HBAR have all set new ATHs in terms of volume. This obviously aligns with the recent massive run-up these Enterprise DLTs had. XLM is up 483% ALGO is up 252% HBAR is up 260% Dino coins aren't just back, they're stronger than we've ever seen before🦖

The 3 biggest payment giants on Earth are all behind $XLM already Together the 3 processed ~$25 Tril in 2024 The fact they're now beginning to build closer in Stellar's ecosystem tells you everything about the Future of Payments Let's look at how each of them are doing so👇 Visa––– Addition of Stellar in Stellar Network in their stablecoin settlement support just earlier in early Aug. Tala wallet for USDC payments over Stellar for users to pay and settle with USDC on Stellar via Visa services. PayPal––– Stellar has been selected as the 3rd chain after SOL & ETH to have PYUSD integrated, PayPal's Ex SVP of Digital Currencies has also joined Stellar as Chief of Growth. Mastercard––– Stellar's been integrated into Mastercard's Crypto Credential Network for verified transactions and compliance. Additionally Mastercard mentions after the initial steps, they plan to bring Mastercard services on-chain to Stellar's ecosystem. –––––––––– Each of these partnerships all have one thing in common, outside the fact they all involve Stellar. They're ALL gearing up for the future of digital payments and making sure their existing infrastructure continues to play a role. Visa = Stablecoin support + settlement PayPal = Stablecoin payment integration Mastercard = On-chain financial services

Look beyond just "blockchain" Don't just research $QNT Research ISO TC 307 Research LACChain Research P Rosalind Research the importance of connectivity Don't just research $CSPR Research ACTUS Financial Research Cheng Du city Research IBM X-Chain Research enterprise grade requirements Don't just research $XRP Research SBI Holdings Research Santander OnePay Research Mojaloop Foundation Research the need for a bridge currency Don't just research $MNW Research Gulftainer Research ISCEA IISB Research SAP IO Research the supply chain frictions Don't just research $EWT Research RMI & GSY Research IREC & DREC Research SAFc registries Research how ESG can be traced with DLT Don't just research $XDC Research ITFA Research DSI Initiative Research G20 Digitalization Research how global trade is going digital Don't just research $HBAR Research Hala Systems Research TOKO Research Neuron Trust Research the largest public corporate DLT Don't just research $IOTA Research Shimmer Research OMG Standards Research EU SECANT Research frameworks around machine comms Don't just research $DAG Research IRON SPIDR Research foot traffic data Research SIMBAChain Research how vulnerable our data is Don't just research $RNDR Research Apple Vision Pro Research OTOY/Octane Research HBO content Research the demand & utility for GPUs Don't just research $NXRA Research ToroNet w USAid Research SV Plug n Play Research W3C D-ID's Research why Open Finance > DeFi Don't just research $KAS Research Yonatan Sompolinsky Research GHOSTDAG Research Daniel Kane Research Aviv Zohar Don't just research $TRIAS Research Peking University Research Huawei 5G patents Research Anbang Ruan's research Don't just research $AZERO Research Matthew's research Research Michael's background Research Prysm Group Research Liminal for enterprise privacy Don't just research $ALGO Research Silvio Micali Research what Gary said in 2018 Research Six Clovers Research Academy for Excellence

Finance settled at Internet speed = $XRP Finance for the unbanked citizens = $XLM Finance governed by global elites = $HBAR Finance and global trade digitalized = $XDC Finance of the past present & future = $QNT Finance with cryptographic proofs = $ALGO Finance in automated contracts = $CSPR Finance for tokenized markets = $ONDO

🏁The $XLM ecosystem's like no other. You could argue they're doing what Bitcoin initially promised to do so in a P2P global payments network. Only they've mixed in real world leaders in there. From payments, to now tokenization. Financial giants are starting to integrate and involve Stellar into their core infrastructure more & more. It all aligns with the progressive tokenization of the financial industry we've been seeing. MoneyGram & UNCHR have proven real world rails between fiat & digital assets all happening on Stellar. And thanks to UNCHR this has expanded to real world benefits for citizens in Ukraine affected by the war. With such a crisis, seeing an entity as large as the UN decide to leverage Stellar speaks volumes. Speaking of Ukraine, we've also seen Stellar utilized by CBDC leader Bitt & a leading commercial bank in Ukraine test their CBDC on Stellar! Mastercard had also just recently joined the Stellar ecosystem with initially integration their Crypto Credential services. And soon, it seems they plan to bring Mastercard services on-chain right on Stellar! We also see regulated stablecoin use here Initially thru the MoneyGram partnership to convert Stellar USDC to fiat currency at any one of MoneyGram's 300K+ locations around the world. But we've since seen this progress to Australia thru Novatti & even EU MiCA compliance via DECTA & Next Generation, two regulated FinTechs in the EU. And of course... Institutional grade asset tokenization is now also a reality on Stellar Network. This isn't your typical RWA tokenization. Rather we're seeing names like Franklin Templeton & WisdomTree, both established financial market leaders leveraging Stellar for tokenization. ✅Digital Payments ✅Digital Currencies ✅Tokenized Assets I gotta say, they're doing a STELLAR job at leading all areas of FinTech DLT!

🔌Blockchain networks explained in legacy terms Understanding innovative DLTs with everyday legacy giants $QNT is like App Store/Play Store + every other store connected to build multi-OS apps $XRP is like PayPal with services for banks to move large sums of money globally $CSPR is like Adobe products allowing for constant future proof in all files (dApps) $FIL is like DropBox but the files is distributed & on a blockchain network $DAG is like Palantir offering military grade cybersecurity infrastructure $HBAR is like Johnson & Johnson with both decentralized corporate structure setup $RNDR is like the special sauce that unlock media giants like Disney, Netflix, HBO, Paramount, etc. $MNW is like FedEx, DHL, UPS & other parts of the supply chain like payments all in 1 application $NXRA is like connecting financial services from institutions like LSEG & Barclays into 1 Hub $EWT is like an on-chain Oracle database as a registry for DER energy assets $XDC is like Lockheed Martin security for global trade compliance $TAO is like Google Search but for AI's to learn & develop together in an open environment $TRIAS is like IBM providing cybersecurity and technical solutions in machine systems $ALGO & $KAS are like top academias turned DLT $VXV is like Pfizer combined with Snowflake for bioscience grade AI data market

⏪365 days ago... 1 $XRP was $0.37 Now it's $2.14 per XRP 1 $HBAR was $0.065 Now it's $0.23 per HBAR 1 $XDC was $0.0295 Now it's $0.08 per XDC 1 $XLM was $0.082 Now it's $0.30 per XLM Conviction's beginning to pay off as real regulated DLT utility begins to take off.🔥

𝐃𝐈𝐒𝐒𝐄𝐂𝐓𝐈𝐍𝐆 𝐑𝐈𝐏𝐏𝐋𝐄 $XRP Ripple & XRP were the first to go against the "crypto norm" & bring DLT to financial insitutions. That alone made Ripple a dark horse in the space. A decade later & 99% that were around at the time have vanished. But today Ripple isn't just surviving, they're absolutely THRIVING in all parts. The FUD with the SEC is all but over, We can see the connections to financial giants in all parts public sector, commercial banks, FinTechs & global financial organizations all here. Whether it be big private banks like JPM & UBS, To FinTech innovations via SBI, Mastercard, Archax, etc To central bank collaboration with MAS, Bank of England, Bank of Colombia & more. All the way to some of the biggest names pulling the strings in the world of finance with the likes of ISO, IMF, World Bank. This is Ripple's ecosystem after a little over a decade. Reminder that... Microsoft is 49 years old Apple is 48 years old IBM is 113 years old JP Morgan is 153 years old Visa is 66 years old Mastercard is 58 years old Needless to say in just 10 years so far, Ripple has established itself as a leader in finance for the years of tokenization & digital finance to come.

99% of retail thinks DLTs purely to trade coins & NFTs. This is why they think it's "useless" If only they knew... $QNT standards in IMF & BIS CBDC models $CSPR used by IBM to govern enterprise AI $ALGO patents used by Microsoft & Tencent $MNW aligns utility with WTO/UN standards $HBAR governed by established Web2 names $CHEQ aligned SSID with EU/W3C/ISO/INATBA $RNDR now being used as GPU network for AI $DAG used by multiple US government agencies $IOTA regulated industry use in EU, UAE & Africa $NXRA adding compliance to DeFi under MiCA $XRP used by SBI in cross border remittances $LEOX tokenized jewelry, wine, watches, etc $AZERO EU links via Digital Euro/EBSI/21X $XDC vetted by UK & Singapore for E-Trade $VXV building out CubeSats with Oracle $EWT used in RMI/SABA/EDF SAFc registry All mainstream ever sees out of blockchain are extreme headlines of price action & the big scams. They'll never see the finer details. It'd be like if you only saw the scams and price of stocks during the Dot Com boom. You'd never understand the true utility & potential of the Internet just by seeing that. All people see blockchain for is to trade tokens, mint NFTs and waste energy. If only they saw whats behind the mainstream scene.

First they ignore you. Then they laugh at you. Then they fight you. Then you win, $XRP is now past the point of being ignored or laughed at by the crowd. Instead we're now we're seeing BTC Maxi's & XRP haters fighting by the day. All while government adoption of XRP/Ripple increases It's a beauty to see. After over a decade of being ridiculed and laughed at, it's finally XRP's time to shine. And what better way to do so on the biggest stages with US regulations & adoptions coming at light speed🚈

⏳Past meets Future = Present Banca MPS on BoI Digital Sureties- $ALGO Von Der Hydt using Bitt for CBDC - $XLM BoE testing & implementing Overledger- $QNT Shinhan x SCB Cross Border tests- $HBAR HSBC using Ripple Custody - $XRP First ever UK EDTA trade with Lloyds- $XDC The giants of the past are merging with the financial powerhouses of the future All happening in front of our eyes... The Present🎁

Guess New York’s really as wild as they say $XRP

🔎𝐋𝐎𝐎𝐊𝐈𝐍𝐆 𝐁𝐄𝐘𝐎𝐍𝐃 𝐓𝐇𝐄 𝐒𝐔𝐑𝐅𝐀𝐂𝐄 $XLM Stellar is one of the oldest tokens that are still relevant today & it's for good reason. They solve a very fundamental use in DLT with banking the unbanked. With this, they've built connections with arguably some of the biggest names in the world of payments, FinTech, etc. On the surface we can see all the common mentions, Partnership with Alchemy for on/off ramp services on Stellar Network applications. ISO20022 compatibility for the new financial messaging standard. MoneyGram partner for fiat:crypto conversions across 400,000+ MoneyGram locations worldwide. Franklin Templeton tokenizing Money Market Funds onto Stellar. But once again... That's just the surface. What most don't realize is that some of the biggest financial powerhouses are already behind Stellar and building on their network. This ranges across many verticals in the financial sector. For example, we can see payment solutions such as Stripe & Visa, which are huge names even today. They've both respectively partnered with Stellar to further enhance the bridge between digital & legacy payments in their own ways. On the other hand, Mastercard has integrated their Crypto Credentials Services onto Stellar. But that seems to be just the start of the collaboration as Mastercard wants to next integrate their own services on the Stellar blockchain. Safe to say some of the largest payments firms on Earth are paying close attention to Stellar. There are also Central Bank level connections here Bitt & Stellar collabed in the Monetary Authority Singapore Global CBDC Challenge & ending up as finalists for their rCBDC solutions. Stellar was also used as the foundational layer for the EU MiCA compliant stablecoin, which is backed by the Central Bank of Ireland themselves thru an EMI license. Ukraine had been one of the earlier banks to explore CBDCs on Stellar Network. TascomBank, one of Ukraine's oldest banks had ran a E-Money pilot on Stellar & released a report back in 2023. On top of this we saw Stellar & Ukraine's Ministry of Digital Transformation collaborate all the way back in 2021 & we're still seeing these hints. Most notably with the war in Ukraine, Stellar & the UN along with MoneyGram played a key role in enabling financial aid thru an application on Stellar. And then of course we get to all the Stellar connections revolved around the big initiatives & consortiums. IMF, World Bank, UN & all of that sorts. While these large entities are usually rather skeptical on digital assets as a whole, it seems Stellar is one that's often brought in a good light around them as we've seen from IMF, WEF & World Bank documentations. With each connection Stellar is truly bridging both the future & past world of global payments together🌐

💰Asset Managers funds that Archax has tokenized onto $HBAR BlackRock: $10 Tril AUM State Street: $4.12 Tril AUM Fidelity: $4.9 Tril AUM Crypto total market cap: $3.26 Tril Something much bigger than crypto is brewing on the Hashgraph with asset management giants. 🦖🦖🦖

The future of finance will be on DLT. Standards are already in place for all of finance to begin using blockchain at scale ISO TC 68- Financial Services standard ISO20022- Financial Data standard ISO TC 307- Blockchain/DLT standard These 3 are the core ISO standards across 60+ nations for mass standard adoption of blockchain in finance. While ISO20022 is a legacy financial messaging standard, it means these networks or assets could be used for ISO20022 messaging. And the standards that would enable it would be thanks to ISO TC 307. ISO TC 68 is the body for all things ISO standards around financial services, everything from financial data, fintech, AI, digital currencies & more. They're also the founders of ISO20022, making this a full circle as ISO TC 307 & ISO TC 68 both have a direct working liaison together too. But of course standards are nothing without cooperative efforts from all parties. And as we can see with the future of finance on blockchain, standard adoption's going quite well. Names from governmental standards organizations, private sector FinTechs & central banks are all onboard. The DLT ecosystems we discuss have also built to align with this specific standard framework. CSPR- ACTUS ISO20022 RMG & Class A liaison XRP- Ripple is member of ISO20022 RMG HBAR- EMTECH CBDC ISO20022 compatible QNT- CEO Gilbert Verdian founded TC 307 CHEQ- Builds in compliance to TC 307 WG5 XDC- Has bridge for ISO20022 messages IOTA- Works w OMG Group, liaison of TC 68 –––––––– The biggest names in the world of banking and payments are all onboard. Standard bodies that really pull the strings for global decisions like UN, WEF & BIS are backers and liaisons of these ISO standards. It's a waiting game at this point⏳

Remember that we only hear about whats gone PUBLIC Imagine what's beneath the iceberg $QNT public w Rosalind, what other CBDCs could they have a role in? $CSPR openly stated they've got 50+ NDAs with 3 that are coming live at the end of 2023 $XRP is on the ISO20022 registration management group & is publicly offering services to 25+ banks $DAG is working w DoD on IRON SPIDR, but 99% of what happens in the military is top secret $MNW registered within UN/ICC Paperless Trade database & working with USDHS $RNDR has the biggest names in media on their advisory board with many of them using Render $HBAR look at their council & imagine what they discuss w SSBs behind closed doors $EWT wouldn't of been founded by GSY, RMI, Shell, TepCo, etc without good reason $IOTA their publicly working on OMG standards for integration w the OMG founder on their advisory $CHEQ is participating within LACChain consortium while also have an MOU w a T1 credit agency $NXRA is already working w LSEG & Crunchbase in private ops & recently signed w top IT consultancy $XDC has a DASL bridge into Corda as a settlement asset while also being backed by G7 nations $FIL simple project, yet Hyperledger director, GBBC CEO & Consensys founder are foundation members $VXV research team all mainly focused on CERN, UC Berkeley, NASA, ICL, etc $LINK already publicly working w names such as Google, SWIFT, Swisscom, etc $TRIAS is heavily backed by Peking University w their patents being used by China for 5G $ROSE has mentioned a Fortune500 healthcare firm using privacy layer, what other NDAs could there be? $AZERO attracted previous core members from Prysm Group, SDX & PwC as core advisors $CPH has already been collaborating with FedNow & Hong Kong on their Web3 adoption $ZCX is just a hybrid exchange. But Band of Angels cofounder, CoC advisor & Gilbert are all advisors $ALGO founded by Silvio (MIT Prof) & praised by Gensler for its tech (before he sued Algo) $XLM is has public work with CBDCs & digital currencies for multiple countries #CORDA is the leading CBDC DLT & tons of other FinTech use cases for inter-banking #HLF is the leading blockchain for commercial & industrial utilities of DLT #HLB is already the base layer for LACChain with many private operations likely already on there #IBM has public emails to Gilbert asking about complying with ISO TC 307 in their tests This is just a list of examples of companies that have had large collaboration news come public Due to white labels & NDAs there are many collaborations we don't hear about But if these are the only ones that are currently public, One could connect the dots to find what else might be in that collaborative ecosystem We've only uncovered the surface of this iceberg🧊

You may think the $DAG x NSF ties recently popped up from the NDF DAO forming. The truths that they've been connected since 2020. In this interview Constellation CEO Ben Jorgensen sits down with NSF Office Head Doug Maughan. Doug brings a strong history from US government agencies with positions such as: ➤NSA Comp Scientist (1987-1999) ➤DARPA Program Manager (1999-2003) ➤US DHS Divison Director (2003-2019) ➤US NSF Office Head (2019-Present) The fact that Constellation had been working with the US DoD for so long should be a pretty clear sign. They've advanced far from just a simple SBIR contract. The vision to national critical data infrastructure for the US government is becoming a reality. Keep in mind this was ONLY 4 years ago. The NDF DAO now connects everything Constellation's been doing into 1 hub around US governmental agencies.

🌐Seems SWIFT knows a thing or two about innovation $HBAR $QNT $XDC ALL chosen for SIBOS 2025's exhibitors under the Discover section. What makes Discover different from regular exhibitors? In short Discover members are HANDPICKED by SWIFT themselves rather than paying for a membership. Unlike Exhibitors that we'll see at the event like JP Morgan, IBM, BBVA, etc All of which are paying good money to present at one of the top annual financial events, SIBOS 2019's Exhibitor Agreement states that a stand is ~$16,194 for a 24 sq meter booth. Safe to say the Discover members are in for a pretty nice treat by being selected to present at SIBOS! More specifically Discover members are curated to be focused towards specific innovation themes. And some themes around the world of finance today range from CBDCs, AI, ESG Tech, DLT, etc. Based on everything we've seen it's safe to say these DLTs selected below fit the mold like a glove. In other words, if you're in the Discover Zone it's not because of the money, it's all innovation.

$XRP at this time last year was ~$0.53 $HBAR at this time last year was ~$0.052 $XLM at this time last year was ~$0.09 $XDC at this time last year was ~$0.026 Since then lives have literally been changed Any talks of price FUD will not be accepted, these assets have moved EXPONENTIALLY since then 99% of the people I see complaining on the prices of these today are the same ones who bought AFTER the initial run up. Just remember, the OGs had to wait years of these tokens being laughed at. Now with everything from RWAs, GENIUS Act, Made in USA, etc. Holding these days is the EASY part.

A Stellar line of connections to financial giants PAYMENTS Mastercard MoneyGram Stripe Visa ASSET MANAGEMENT WisdomTree Franklin Templeton GLOBAL ORGANIZATIONS UNHCR UNDP World leaders of all areas of finance are coming into the Stellar ecosystem This is just the surface🌊

🇪🇺EU Compliance List $HBAR OpenBrick- SIX $QNT Digital Euro Partner + EU x ISO/IETF $XLM SocGen & DECTA- EU E Money $ALGO Quantoz- E Money EURD $XRP EU payment corridors w Unicâmbio $XDC Europe x China trade corridor $CHEQ EU Blockchain Sandbox + EBSI $IOTA used in EU CIRPASS Digital ID $MNW EU Blockchain Sandbox $LINK partner with EU regulated 21X $ONDO OUSG on EU MFID Assetera $COTI Digital Euro Partner

🇧🇷Looks like Brazil x $XDC is beginning to grow! Earlier this year we'd seen XDC partner with Brazil's state owned Serpro for KYC/AML & biometrics. XDC has now partnered with C9 Tech As we can see C9 Tech themselves are quite well connected to Brazil too! More specifically we see various institutions here with names such as: ICTI Inova Brazil This is a non-profit scientific and technological innovation institution. In a sense it bridges academia, public sector & private sector altogether for science & tech research. It also operates under Brazil’s legal framework for science, technology, and innovation. As a science & tech oriented institution, it's no surprise that DLT & other technologies are at the helm of their focus. This could be the start of where XDC's biometric & KYC/AML solutions begin being implemented throughout Brazil's solutions. UnB In short this is the Faculty of Technology in Brazil, a leading academia unit within Universidade de Brasília established in 1964. On top of this they provide research and bring various faculties around innovation & engineering. Additionally these faculties directly engage and collaborate with government and private sector entities. ––––––––––––- While XDC isn't exactly "directly" partnered with these names, their recent collaboration with C9 definitely completes the circle that much further. It really seems like XDC is now beginning to ramp things up with their connections in Brazil! By establishing & connecting with tech faculties like they are with C9 is the perfect way to begin capturing both government & private sector. Reminder that Brazil is also participating & supporting ICC's DSI Initiative for MLETR👀

🏦Looking at some moves by Ripple, We're seeing giants from across the globe enter the ecosystem via acquisitions, partnerships & expansions. From $XRP Ledger to $RLUSD & more. As DLT adoption accelerates, many financial giants have turned to Ripple to begin adopting blockchain & digital assets to prepare for the future. Given Ripple's long history as a leader in FinTech DLT, this should come as no surprise. The most recent development we've seen was the acquisition of GTreasury for $1 Bil. This was a monumental move, given GTreasury has been operating for 40+ years & has become a top leader in corporate treasury management services. The acquisition also opens the doors to Ripple's discussion of a $1 Bil XRP treasury buyback. A key development to be watching out for. We're seeing RLUSD go further global with SBI extending their partnership in Japan to offer RLUSD. On the other hand, in Africa, Ripple's partners VALR, Chipper Cash & Yellow Card are expanding RLUSD in their own rights. Speaking of RLUSD, additional integration into RLUSD supporting RWAs has happened too. This is through sgBENJI by Franklin Templeton on DBS Digital Exchange now functioning with RLUSD for conversions between funds and stablecoins. And Securitize has done similar by adding support for RLUSD with both VanEck's VBILL & BlackRock's BUIDL. Just a few months of RLUSD coming live & adoption has clearly been visible so far. On the other hand, we're also seeing Ripple custody expand to leading financial institutions. BBVA had partnered with Ripple for custody a while back, but it seems they're bringing it to full production now. This is through the leading Spanish bank now offering crypto services & leveraging Ripple for custody infrastructure in their service offerings. Though BBVA hasn't been the only leader adopting Ripple Custody. Most recently we saw Absa, a top 5 South African bank also state they've partnered with Ripple as their prime digital asset custody provider. So, lots of development and adoption of Ripple down in Africa with both RLUSD & Ripple Custody. And don't forget the initial case study Ripple ran with RLUSD for water relief aid in Kenya. These are ALL real-world use cases beginning to unfold as the Ripple Effect takes off.

When most think AI DLT projects, 99% likely don't think to $HBAR But what we've seen from Hedera bringing innovation to enterprise AI this year has been nothing short of amazing. • NVIDIA • Intel • Palantir • Accenture • IBM • WiSeKey That's just SOME of the names that Hedera has begun diving into AI with. When you look at most AI crypto projects, most of them are just merging some use of AI with blockchain. Don't get me wrong, there's some pretty cool use cases around that vertical now. But 99% of them are siloed, they have no connections or adoption from real world entities. This is a problem Hedera has NEVER had largely thanks to their governance council alone. But as we can see here it goes far beyond just council members with regards to AI innovation on the Hashgraph. Perhaps the MVP here is EQTYLabs as they're involved in just about every circle of Hedera's ventures in AI. From launching ClimateGPT at WEF Davos earlier this year, to an open sourced AI framework with Hugging Face, to Accenture testing EQTYLabs for trusted AI... All the way to of course the recent news we had seen about EQTYLabs working with NVIDIA & Intel. Two absolute giants in the compute space that are surely household recognized names. And then between all that we have other innovations such as SEALCOIN by WiSeKey and ProveAI from Casper which migrated to Hedera. The AI innovations on Hedera are hidden in plain sight. ––––––––––––––––––––––––– What Hedera brings to Enterprise DLT is so much more than just what a narrative could capture. AI? RWA? DePIN? CBDCs? These are all simply just individual verticals within the Hashgraph. Hedera's focus is on REAL DLT UTILITY and that goes far beyond just buzzwords.

Projects like $QNT $HBAR $DAG $XDC $HBAR $RNDR $XLM etc aren't specific to any narratives. They're just building innovation. Just so happens many innovations fall inline with Web3 narratives. Industry grade utility isn't a narrative, It's the end goal for DLT as a whole.

Reminder on why $XRP & $XLM WON'T work efficiently at lower prices Low XRP & XLM = • Need more XRP XLM per $1 being sent • Limited supply of XRP XLM across network Meaning if a bank sent a $2.5 Bil transfer with XRP at $0.05 it'd take over 50% of the total supply This isn't even accounting escrows for XRP. Now flip the example around & let's try it with XRP on & XLM at $30 each Liquidity and supply are MUCH more flexible now So in the $0.05 example we used a transfer of $2.5 Bil & saw it would take ~100% of the network supply. Clearly not scalable at the global level at all. Now see what what happens when we flip the switch We'll scale the respective payments being sent from $2.5 Bil up to $60 Bil. Reminder that XRP & XLM are both $30 in this case. Well now each of them only require 2% of the total network supply to transact the $60 Bil in value! This is a stark contrast from before. And as we can see, efficiency of utilizing XRP & XLM is embedded in the price too. The IMF had previously spoken about how XRP & XLM could be used as stable-assets. While not quite like a stablecoin, it'd be much more stable assets fit for cross banking & cross border transfers. And to do so? It doesn't seem to make sense to keep them stable at a low price does it?👀

🔥 $QNT just confirmed Mastercard Bank of Canada Bank of England Barclays Amazon BIS But this is still just the SURFACE🧊

If y'all never waived Gelo, we might never of gotten this banger

$XLM is working with some of the biggest payment giants on Earth It simply makes sense given the aligned vision Just how big are they? Mastercard: $9.5 Tril TX Vol + 198 Bil TXs in 2024 Visa: $16 Tril TX Vol + 233.8 Bil TXs in 2024 PayPal: $1.68 Tril TX Vol + 26.3 Bil TX in 2024 These 3 are some of the most recognized names in the world of legacy payments It's no coincidence they're all connected with Stellar From Mastercard's Crypto Credentials, to Visa & Tala's collaboration, all the way to PayPal's PYUSD recently coming onto Stellar. These payment giants recognize Stellar is here to bridge the future of payments with our present world.

$QNT no longer just offers interoperability They offer central bank grade security $XRP no longer just offers a bridge currency They offer a platform for CBDC infrastructure $XDC no longer just offers digital trade docs They offer tokenization of trade assets $HBAR no longer just offers Hashgraph tech They offer institutional consensus & tokenization $CHEQ no longer just offers verification of IDs They offer verification of AI and all data forms $XLM no longer just offers P2P payments They offer tokenized institutional products $ALGO no longer just offers a scaling L1 They offer post quantum signature security $IOTA no longer just offers M2M comms They offer industry purposed tokenization These projects may be as old as time, hence why they're often called "Dino Coins" But with time also comes progress. And that's clearly visible here as they projects build further towards alignment with Global Elites. And we've seen all this unfold in action. Quant's OAuth was used in both Rosalind & RLN Ripple's CBDC Platform's used by 5+ central banks XDC Network is tokenizing govt backed assets Hedera Linux Hiero & Archax tokenization Cheqd EU trust registry & vAI ties in C2PA & GAN Stellar for RWAs by F Templeton & WisdomTree Algorand as infrastructure in EU TIPS HashLink IOTA showcasing tokenization to UAE Congress The growth of these DLT networks have been documented every step of the way🧾

“Cryptos like a call option on the future” -@RaoulGMI Future of interoperating value $QNT Future of data utilization $DAG Future of institutional finance $NXRA Future proof DLT business $CSPR Future of enterprise trust $HBAR Future of valid clean energy $EWT Future of digital supply chain $MNW Future of academia blockchain $ALGO Future of fiat currencies $CBDC Future of regulated exchanges $LCX Future of global payments $XRP Future of trade finance solutions $XDC Future of multi layered L1s $AZERO Future of distributed ML/AI $TAO Future of distributed GPU utility $RNDR Future of tech into agriculture $DMTR Future of self sovereign IDs $CHEQ Future of using healthcare data $JCO Future of NFT beyond art $VEE Future of real world NFTs $LEOX Future of data sourcing $LINK #API3 Future of distributed advertising $ADS Future of solving macro inflation $RSR Future of blockchain gaming $UOS Future of the Citizens @UtilityTheory WELCOME TO THE FUTURE🌐

💡Decoding $XRP connections. We previously looked at Ripple's ecosystem ties. Lets go further & divide them into 4 sections. PAYMENT INNOVATION CBDC DEVELOPMENT GLOBAL STANDARDS INDUSTRY ORGANIZATIONS The top of the financial world everywhere you look. This is what 10+ years of active development and progress looks like. The CBDC developments are visible in the participation of Ripple's CBDC Platform by various central banks 🏦Georgia 🏦Bhutan 🏦Palau 🏦Montenegro 🏦Colombia Additionally they've gotten even further involved through various central bank organizations by Mastercard and OMFIF's DMI. Most recently we've seen Ripple advance to the next stages of Hong Kong's CBDC test. Ripple is actively working with Fubon to test real estate and mortgage settlement in CBDC environments. An essential piece of the Future of Finance. We've been seeing payment innovations from Ripple for the last decade now. What started out as simply banks testing out RippleNet features has greatly matured. We've now seen Ripple approved for payment licenses in Dubai, Singapore & more. As seen, they've really gone global with collaborations with financial institutions in every part of the planet. Global standard bodies have also been citing and quoting Ripple related solutions for a while now. From the IMF & World Banks mention of Ripple as a payment solution, to Ripple being directly involved in organizations like ISDA & WEF. With regards to ISO20022, Ripple is the ONLY public blockchain project in ISO20022's RMG. ISO20022 Registration Management Group (RMG) is the highest ISO20022 registration body. While ISO20022 is a legacy financial data standard, we can see that Ripple is more than just involved. Given that Ripple works with both digital & legacy payment networks... This is a telling sign. Finally with industry organizations & consortiums we can see that Ripple is connected to some of the most industry focused groups. From further digital currency innovations via Digital, Euro/Pound/Dollar consortiums, To further DLT use and research groups such as INATBA, Hyperledger & US Fed's Faster Payments Task Force. When you zoom out, Ripple doesn't really look anything like the majority of these crypto companies. There are established links to every part of the world of finance that we know today. Of course there are more Web3 focused developments happening on the XRP Ledger. But these working connections will be what solidifies Ripple as an industry leading payment solution. 10+ years in the making & it's evident. The side of DLT 99% won't sees, until it's too late.

Institutional tokenization's exploding & Securitize has become an essential player. BlackRock. BNY Melon. KKR. Morgan Stanley. These TradFi giants & more are ALL in Securitize's orbit. But beyond this they've gotten quite connected to public DLTs like $ALGO $XDC $ONDO $HBAR $XRP $APT $AVAX. From strategic investments to direct collaboration. Here are some of the key utilities that Securitize brings that has these names in Enterprise DLT & TradFi so excited to work & invest in Securitize: • Tokenizes assets for digital securities issuance. • Ensures compliance with global regulations. • Offers investor onboarding & management tools • Facilitates trading via secondary market platforms In short, they bring a complete & compliant package for assets to go from legacy to tokenized tradable assets on secondary markets. With RWA Tokenization growing to the heights it's at today, it's no wonder these names are paying attention. Now let's look at HOW these Enterprise DLTs are involved with Securitize! –––––– ALGORAND As Securitize works within the realm of compliant asset tokenization, Algorand was a no brainer. This integration/collaboration brings a couple key things to the Algorand ecosystem. First is the integration of Securitize's Digital Securities Protocol for enabling seamless issuance & lifecycle management of RWAs. Since then we've seen both wallet provider Exodus and World Chess launch tokenized shares on Algorand. And of course these directly used Securitize's framework and infrastructure. Since then, both Exodus' EXIT tokens for it's Class A common stock & World Chess' on-chain IPO have been successfully delivered onto Algorand! ONDO I don't think I've shared any Ondo content here yet, but it's certainly one I've been watching for a while. They bring a team fit for institutional grade tokenization with key leadership from names like BlackRock, Bridgewater (Ray Dalio) & especially Goldman Sachs. So it's no surprise to see they've also caught the attention of Securitize! Though in this case the collaboration is a little different. Ondo Finance utilizes Securitize’s platform to tokenize U.S. Treasury securities with OUSG being the most notable in this case. On top of this Ondo also use BlackRock's BUIDL, which was actually developed by Securitize! This integration allows Ondo to provide instant, 24/7 subscriptions and redemptions for its OUSG which represents tokenized US Short Term Treasuries. About as pure of a form of compliant asset tokenization with TradFi leaders as it gets! RIPPLE & APTOS Seeing both Ripple & Aptos decide to invest in Securitize says quite a bit. Of course we know Ripple is one of the biggest, if not THE biggest name in the Enterprise DLT space. Whereas Aptos has been gaining steady traction in both Web3 use but also have seen some CBDC and overall institutional involvement. Given these two are consistently working with TradFi leaders, this investment leaves a lot to think on. Ripple has also announced and begun working around plans to support tokenized assets on XRPL. On the other hand we've seen Aptos respective ties to Securitize as well via BlackRock's BUIDL also now being accessible on the Aptos network. Additionally even Franklin Templeton has also expanded their tokenization efforts to Aptos. Two leading Enterprise L1 ecosystems that fittingly are getting involved with Securitize! XDC NETWORK Of course XDC is one of the most recognized names in trade finance-focused blockchain solutions. But over the past year they've expanded further into overall institutional grade tokenization. The collaboration of XDC & Securitize further underpins this with a focus on TradeTeq. Given that XDC has been chosen by Tradeteq as the DLT for its USTY tokenized Treasury Yield fund, this partnership showcases both the trust of XDC & the focus of compliance via Securitize. As we have to remember, these are essentially tokenized security tokens. It's great to see the overall XDC vision expanding now into compliant security tokens with leaders that are trusted by names like BlackRock. HEDERA HASHGRAPH This one is a little less clear and held by connections between the respective parties. It goes without saying that Hedera is one of if not the most connected Enterprise DLT network. Part of this is just due to the abundance of cross industry utilities on there & also the council. As we know Hedera now hosts a tokenized BlackRock fund thanks to Archax. And while not an official partnership between BlackRock & Hedera, BlackRock was indeed informed about this move. On top of this there are some interesting connections here thanks to BitGo joining Hedera earlier in the year. I'm sure we've all seen the news of BlackRock's BUIDL fund... Believe it or not BitGo is actually just 1 of 5 primary supported custodians for BUIDL token. This news was dropped in March, the same month BitGo joined Hedera & about a month before BlackRock's fund was tokenized onto Hedera... The connections and timing here is quite interesting. AVALANCHE The collaboration between Securitize & Avalanche is most notable in ParaFi. This is an alternative asset management firm that operates hedge fund and venture capital strategies focused on the digital asset ecosystem. They've since tokenized a venture fund on Avalanche using none other than Securitize's frameworks. This effort goes beyond just RWA tokenization but also into breaking down barriers to access investment products in venture markets. Avalanche has seen interest in tokenization with other names like Franklin Templeton tokenizing their FOBXX money market fund. Once again, we can see Securitize is aligning themselves with names well connected to TradFi giants. –––––––––– The growth of Securitize over this past year alone has been quite impressive to say the least. From tokenizing institutional grade assets onto Enterprise DLTs, to investments by Web3 leaders. Tokenization 🤝 Institutional Securities

Everyone is worrying over a minor market dip. What'd you expect? The market to just be up only? The more straight something goes up, the less sustainable it will be. Everything here is going according to plan. Some quick outlooks: $QNT: Holding pennant above all weekly MAs $XDC: Bullish falling wedge + 50d MA support $CSPR: Long term ascending triangle continuation $DAG: Forming falling wedge on daily timeframe Down days may not be what we want to see in a bullish environment like we're in. But they're essential for keeping a sustained run. We've all seen what happens when something goes up all too fast & crashes down twice as fast. Learning to understand market movements & psychology is like having a map in a the middle of a sea. Ignore the noise in these times & ZOOM OUT🔭

The connections behind Stripe & $XLM go way back. In fact it goes as far back to the early initial days of Stellar has Stripe had loaned SDF $3 Mil in exchange for 2 Bil XLM. Now we're hearing talks of Stripe integrating Stellar. This makes perfect sense given the purpose of blockchain being a growing payment rail. And with blockchain based payments, Stellar is as well positioned as any chain. Stripe brings quite an interesting background with their investors and board of directors connections. From big time serial entrepreneurs like Elon Musk & Peter Thiel to investment firms like A16Z to Goldman Sachs & more. On the other hand Stripe's directory board brings connections to several other F500s & organizations. This is likely a large part of why we see the success of Stripe today in global payments for E-Commerce. Stripe has mentioned how crypto regulations are a big thing they're waiting on before really going into crypto. But even then, that hasn't stopped them from further establishing their ties with Stellar. This was especially highlighted earlier this year at Stellar Meridian with Stripe executives in attendance. Last year Stripe had processed $1 Tril in payments volume. Not only will digital wallets for P2P payments grow, but the rise of E-Comm payments. And that's where Stripe and Stellar both shine. The connections are clearly visible, and the utility is clear as day.

What. The. Fuck. $RENDER

DLT can disrupt every sector in our economy🔥 Some of these aren't exactly industries, but they're all essential role in the 4IR 🚢Automated Supply Chain 💸Frictionless Financial System 📲Multi Scale Applications 🌐Global Order Standards $QNT $XDC $ALBT $AZERO $MNW $DAG $EWT

$HBAR was cool last cycle We had the Governance Council & a few other enterprises building. Now we have... Archax tokenizing MMFs by BlackRock & Fidelity Tokenized trade with Lloyds Bank & Aberdeen NVIDIA & Intel building Verifiable AI with EQTYLab FedNow x Dropp for real time micropayments Res Bank Aus selecting Hedera for Project Acacia US DoD & DoE backed Taekion partner w Hedera Sitting as the only public DLT within the IIF DIFC Courts using HCS for digital asset inheritances SIX's BME (Spain Stock Exch) invest in OpenBrick Nairobi Securities Exchange joins as the Council WiSeKey launching satellites with HCS integrated Aus Payments Plus testing Hedera's HashSphere Visa partnering with SKUx for consumer payments Mondelez partnering with SKUx for consumer chain PwC partners with Scintilla for regulated RWAs Neuron selected by UK CAA for govt contract ––––––– All this is just a showcase of SOME of the biggest feats Hedera has had over the past few years since the 2021 bull run. This is a completely different beast now. Same mission and infrastructure. Same use cases. The Hashgraph never changed, the playing field simply evolved to fit in Hedera's favour as adoption grows.

Enterprise DLT Update on 2025 so far: $QNT = Backbone to Oracle DA Platform $XRP = Payment partner across Brazil/Portugal $XLM = Used by UN for financial inclusion $HBAR = Neuron X UK Civil Aviation Authority $XDC = Contributed to ICC ESG paper $ALGO = Used by Enel for tokenized renewables

$XDC is officially in the big leagues of global trade Lloyds: 1st ever UK EDTA trade & used XDC UN: Approve XDC compliance to MLETR ITFA: Consortium for trade institutions ICC: Governs global trade standards WTO: Oversees global trade rules JP Morgan: Top bank worldwide This goes beyond just collaborating with F500s, We're talking multi-governmental bodies, Pioneering new digital trade compliance laws, Being the ONLY public DLT in a global trade consortium built with top institutions & policymakers. The big names in the room are taking XDC seriously🔌

🌏Enterprise DLT Adoption in Asia $QNT- China's AliPay & CAICT cite Quant patent $XDC- SBI using XDC for cross border trading $HBAR- Shinhan & SCB X border Stablecoin $VELO- Collab w Lightnet & Visa for Asia MSMEs $XRP- SBI using XRP in cross border transactions $XLM- Tempo & Bitazza w EU-Asia payment rails In the past few decades Asia has risen to perhaps the most technologically advanced continent. And Enterprise DLT is no different here. From standards, payments & more. Adoption of real world utility of blockchain across Asia is clear as day

Real world payments on DLT are happening And Stellar $XLM has been leading the charge thru integrations with existing real world payments leaders MASTERCARD: Crypto Credential integration VISA/TALA: Digital asset payment integration MONEYGRAM: Used in UNHCR Ukraine aid STRIPE: Invested in Stellar & integration talks Each of these 4 are obviously payment leaders in their own regards. Mastercard processes around $7.7 Tril annually. Visa has issued over 4 Bil Visa cards worldwide. MoneyGram moves payments for 50 Mil customers annually. Stripe accounts for 52% of E-Comm websites. Each of these payment giants play their own respective role in the vast world of payments. Whether it be card payments by the likes of Mastercard & Visa, or E-Comm payments via Stripe, all the way to international remittances with MoneyGram. There's a reason each of these key industry players have chosen Stellar for the Future of Finance. These guys aren't oblivious to the industry shifts. They see digital assets & blockchain payments not only growing in demand but also use case & efficiency. They see the shift & they're preparing accordingly.

I don't care about the 1,000+ people on Crypto 𝕏 calling $HBAR centralized trash I care about Deloitte, PwC, Bank of Aus, Lloyds Bank, NVIDIA, Intel, SIX, etc using and building on Hedera. And you know what those names have called HBAR? • Scalable • Decentralized • Trusted • Secure • Enterprise-grade • Infrastructure • Real-world applicable • Sustainable • Cutting-edge technology • Powerful infrastructure The list goes on Now who are you gonna listen to? People on Crypto 𝕏 who likely hold tokens that compete with what Hedera's doing... Or real world businesses that are already beginning to build and deploy on Hedera.

My target for $QNT isn’t $1,000 It’s a % of the UK Gilt & banking sector My target for $HBAR isn’t $2 It’s 500+ enterprises using HCS My target for $XLM isn’t $1 It’s crossing $1 Bil in X Border transfers My target for $XDC isn’t $0.50 It’s eating a % of global trade market My target for $XRP isn’t $589 It’s over $10 Bil in bank transfers My target for $RENDER isn’t $100 It’s 500 Mil+ frames rendered My target for $ONDO isn’t $10 It’s $50 Bil in their RWA TVL My target for $CHEQ isn’t $1 It’s 100 Mil+ Digital IDs w trust registry Price only shows a fraction of the picture To see innovation & adoption you gotta read between the lines into the finer details.

🐦‍⬛Archax is growing to be one of the biggest names in institutional tokenization. They've directly working with $XDC $XRP $ALGO $HBAR on tokenization. This isn't your usual crypto RWAs though. These are funds from... BlackRock State Street Fidelity This is what true scaled financial adoption of DLT should look like, There's a reason Archax has selected these DLTs to begin tokenization of the worlds biggest asset management funds. These are the same DLTs we regularly discuss. The same ones that central banks mention. The same ones collaborating with F500s The same ones with government level ties. What's to come with institutional RWAs will look obvious in a few years. They've literally told us what and where the foundation for the future of financial markets will be. And of course... It's Enterprise Grade DLT.

🗓️September 2025 Enterprise DLT Update: $QNT presenting Programmable Money @ SIBOS $XRP RLUSD x Securitize for BUIDL & VBILL $XLM WisdomTree tokenizes private credit fund $XDC collaborate in MiCA Alliance whitepaper $HBAR Archax initial launch of Pooled Tokens $ALGO Mastercard collab confirmed in Ireland $ONDO Fidelity FDIT 99% backed by OUSG $CHEQ accepted to Barclays Scale Up program $IOTA collab with GLEIF for trade networks $DOVU DovuOS & MMCM collab for ELV credits

The $XDC iceberg was a tough one to make. Realistically I could've put everything in the ecosystem beneath the surface, as they're such an undercovered project. But they are leading ALL of DLT in trade finance. A multi-trillion dollar solution enabled by the digitalization & tokenization of the industry. On the surface are some of the more well known applications on XDC, in addition to RocketX a multi-chain DEX/CEX hybrid that's also integrated the XDC chain. Just by researching the connections on the surface, you'd have a good understanding of how XDC brings benefits to the trade industry. From tokenization of trade instruments such as private debt & credit loans, to the digitalization of paper based trading procedures into verifiable NFTs. But as you dig deeper down the rabbit hole you'll see it's beyond just some trade finance applications. Each of these have received serious backing and collaboration with the industry leaders. From XDC being the only public blockchain to be verified by the UN/ICC as MLETR compliant, To their global spread of public sector trade digitalization in UK, Singapore, Abu Dhabi & more. Paired with the backing of companies and organizations like China Systems, SWIFT, R3, ITFA & ICC. Perhaps one of the most unique aspects of XDC & one of which makes it so fit for trade is Impel. This is their bridge app that allows for ISO20022 compatible messages to operate across XDC. As ISO20022 is a legacy financial messaging standard built for legacy systems. Impel allows for XDC to also allow ISO20022 format messages to be sent and received on the network. It's similar to how some video games allow for backwards compatibility with retro games. From government, enterprise & global organizations... XDC really has it all when it comes to leading the world of digitalized trade. One could argue that XDC Network itself is still deep under the surface of public knowledge in DLT. While the initiative of XDC may not be the most exciting to research or the sexiest.... It's certainly caught the eyes of global leaders to be seen as a disruption to our globalized world of trade.

🔥Enterprise Grade AI x DLT is booming on $HBAR Over this year we've seen some established giants involving themselves with EQTYLabs. Earlier this year we saw Accenture test the AI Integrity Suite. Now we're seeing 2 tech giants in Intel & NVIDIA unveiling a "Verifiable Computation" solution together. These two powerhouses in tech need no introduction. Intel has a 71% marketshare of the desktop processor markets. Whereas NVIDIA is the 3rd largest company on Earth. One of the biggest innovations with this newfound solution is that AI is now explainable, accountable, and secure at runtime. This is through patent pending hardware which focus on cryptographic AI notary and certificate system to isolate sensitive AI operations notarizing them into a tamper proof record. It's a given that this is a key solution with the evolution of AI. We've since seen the merge of DLT x AI is the perfect merger for responsible, trusted & transparent AI based innovations. But what makes this so huge is all these world leading names that are paying attention to EQTYLabs. These aren't just big F500s, but they're gonna each be big players in the AI revolution to come. Whether it be in hardware and technologies like Intel & NVIDIA, to professional services & consulting via Accenture. And it's all connecting back to Hedera🦖

🌞Pretty big move from $XDC this morning They've acquired Contour Network, a former trade finance network on R3 Corda This was a big initiative backed by: • HSBC • Citi • DBS • Standard Chartered Previously shut down due to lack of funding, XDC's transforming Contour's purpose around. This is through XDC acquiring Contour to utilize it as a Stablecoin Lab. This will work directly hand in hand with XDC's support of USDC. And the purpose of the lab will be around pilots with banks and corporations, letter of credit settlement, treasury management, etc. We've already seen XDC establish itself as the premiere trade finance blockchain. Now they're adding even deeper infrastructure⚙️

Since Ripple's partial win from the SEC last year, we've seen incredible momentum. While the US is still slowly dragging their feet.. This hasn't stopped Ripple from expanding out further across the globe though. Today we'll look at how Ripple $XRP & XRPL is being mass utilized OUTSIDE of the US. Frankly, every continent on Earth can be seen using XRP or Ripple's service to some extent now. But the collaborations we've seen formed during/after the lawsuit is what's really eye opening here. While the US, touted as the leader in tech is slow and hesitant on Ripple, this hasn't stopped other countries from looking to get a step ahead. SOUTH AMERICA Perhaps one of the most notable here has been via the release of the Ripple CBDC Platform. While the majority of CBDC tests have largely been held internally or via the BIS, we've seen Ripple surprisingly able to gain some strong traction their way. One of such banks was the Bank of Colombia in South America which has deployed & tested their CBDC on Ripple's CBDC Platform. Fenasbac is touted as the National Federation of Associations of Central Bank Servers. Ripple had joined Fenasbac’s Next Accelerator to advance Brazil's financial sector & aims to sponsor 2 FinTechs that show promise. Some other topics they've discussed for collaboration include interoperability, treasury management, payments, tokenization, etc. EUROPE Ripple had partnered with Clear Junction for cross border payments between EU & UK. As a licensed and regulated entity by the FCA, this is a big move for Ripple being seen an a compliant light. Montenegro's central bank has also been one of the handful of central banks that have selected Ripple's CBDC Platform as their testing/deployment method. DZ Bank is one of Germany's largest commercial banks. They had integrated with Metaco, which is a digital asset custody firm Ripple had purchased. Through this integration, DZ Bank launched their institutional digital asset platform. This is another big plus as we see subsidiaries of Ripple also gaining traction amidst the US lawsuit. ASIA We know that SBI has been a long time supporter and partner of Ripple since their joint venture began in 2016. There have been various advancements such as an SBI exec on Ripple's Board of Advisors. Just last year in August we had seen the next steps of this partnership in extending XRP to directly be utilized for cross border remittances via SBI Remit. They now plan to use XRP directly with payment transfers across the Philippines, Vietnam & Indonesia. They've chosen these areas as the World Bank has reported these are some of the fastest growing remittance flows. Vietnam’s inbound remittances grew 5.2% to $13 Bil in 2022, while Indonesia's rose ~6% to reach $10 Bil. And then there's the Philippines which ranked #3 worldwide for inbound remittances behind only India & China. This is a big move forward for the collaborations of SBI & Ripple and it highlights not just the growing demand of payment infrastructure in SE Asia. But it also directly underpins the core utility of XRP token as an agnostic currency bridge. The Monetary Authority of Singapore had previously quoted Ripple in their payment & CBDC documents. To see them now also gain a Major Payments Institution (MPI) license from the MAS really leaves a lot to wonder. This license allows Ripple to expand its payment services in Singapore such as Ripple Payments and their CBDC Platform for businesses and institutions. Most notably, this makes Ripple 1 of 14 companies licensed to offer digital payment token services. Once again, another key economy in Asia which has now approved Ripple as one of the few. The Hong Kong Monetary Authority has been testing in a variety of CBDC pilots and platforms. While projects by the BIS such as mBridge & Sela come to mind, they've also conducted tests of their own. One of the main eHKD trials involved both Ripple's CBDC Platform & TOKO on Hedera Hashgraph. Through this collaboration with Fubon Bank they tested home equity line of credits (HELOC) and mortgages within a CBDC infrastructure. This is one of the few CBDC tests that tests with an environment outside of payments & involves assets. HKMA has since concluded this test to be successful and have discussed on implications of Phase 2. This is arguably the biggest central bank that's leveraged Ripple's CBDC Platform & for a use case around something as large HELOC is a big sign. MIDDLE EAST Ripple had spent the past year building connections within Dubai. Most notably we saw them form a partnership with the Dubai International Financial Centre to advance DLT adoption in the UAE. But as we've discussed this goes all the way back to when the DFSA initially approved of XRP as the third digital asset after BTC/ETH/LTC. And even before that was Ripple opening an office in the heart of Dubai's International Financial Centre. This opening was paired with the news of them hosting Ripple Swell in Dubai for 2023. There's certainly much more to the story here & given the recent partnership, we may see more real soon. The Commercial International Bank (CIB) is one of the largest banks across Egypt & have partnered with Ripple to enable blockchain based payments & NFTs. But this isn't the only Egypt bank partnered with Ripple. Back in 2021 they also partnered with the National Bank of Egypt to begin using Ripple's payment services. There certainly seems to be a growing trend amongst financial leaders in Egypt preferring Ripple. AFRICA Onafriq is a major player in the pan-African payments space for domestic digital payments & over 400 million mobile wallets. The goal of this partnership is to expand remittance capabilities in Africa and across its borders with various Gulf nations, the UK & Australia. There will be 3 new blockchain based payment corridors in these regions between Onafriq. PayAngel = UK Pyypl = Gulf Island (Ripple Partner) Zazi Transfer = Australia OCEANIA The Republic of Palau is another public entity that had utilized Ripple's CBDC Platform. Specifically they're actually testing for a stablecoin rather than a direct CBDC itself. The Palau Stablecoin's (PSC) pegged to the US Dollar. Surprisingly, Palau had begun their initial phase in July 2023 & by Dec 2023 they were happy to move on with phase 2 of this plan. The architecture has already been approved by the Republic of Palau in just 5 months. Now the next step is ensuring engagement and emphasis on compliance. Novatti has also advanced their collaborations with Ripple beyond just fiat payments. Back in 2021, Novatti & Ripple initially connected to utilize Ripple's payment solutions for cross border remittances across the Philippines & Australia. This has now evolved to Novatti launching a 1:1 fiat backed AUD stablecoin titled AUDD which is live on the XRP Ledger. As Novatti an official FinTech business in Australia, seeing them choosing XRP Ledger to host their AUDD stablecoin is quite a bold move. Ripple had also discussed with the Reserve Bank of New Zealand (RBNZ) on CBDC negotiations. Though it's important to remember this is not quite far as long or official as we've seen from Palau or Colombia. But interestingly, even before this we've actually seen the RBNZ cite Ripple in their CBDC papers. It'll certainly be important to see New Zealand's CBDC begins to mature. –––––––––––––––– The momentum Ripple's built since their 2/3 partial win last year has been nothing short of amazing. Keep in mind I just handpicked some partnerships that I felt were most worth highlighting here. In reality there's TONS more that Ripple's announced since that go beyond just finance and payments. • DeRec Alliance w $HBAR $DAG $CSPR $ALGO • RMI Partnership for Centrifuge • Lamborghini minting NFTs on XRP Ledger Those are just to name a few that go beyond what we've discussed in this thread.

Overledger x Zapier integration tutorial. For the past 3 years I've shared hours of research on what $QNT is doing. Today I give you a tutorial on how to USE Overledger's API functions with Zapier to interoperate multi-DLT data to your email or phone via SMS! The setup is free and accessible for anybody to try out. While I did use the free version to show you guys this demo which only lets you access testnet accounts. The concept behind this is criminally underrated. On the surface you may just think this is nothing more than simple notifications for interactions with wallet addresses. But really think about that for a second... To have notifications on wallet addresses in a automated and customizable manner through the click of a few buttons is quite powerful. I set up some basic interactions here where I'd get an auto email or text message if there was any new activity updated with my selected wallet. On top of this it even sends me the transaction ID! But when you scale this out and really begin thinking of the big picture, just imagine how this automation could help the areas of financial markets, trade finance. Think of the ease in automation for updating registries like VASPs or LEIs. As soon as the transaction executes a notification would be sent to the underlying user, but then also the respective registry system to update the records. Of course this specific concept could be used in government activity to assist in alerting suspicious wallets being tracked. For crypto news sources and researchers they could even automate specific wallets to be alerted when theres a transaction at specific wallets they're looking for! For example, if I register one of the QNT Coinbase 10 wallets I could then automate that to my newsletter & auto-send an email update to my audience every time that wallet begins getting large amounts of QNT again. Or if you want to scale it down to how end users could benefit, think of how much easier your crypto taxes will be. Back in 2022 I spent about a week having to trace my transactions down during tax season. With this Overledger Zapier Zap, all of my transactions could've easily been logged & even auto inputted into a Google Sheet! Once again, I've only demoed 2 examples here... Email and text messages. The possibilites are truly endless. ChatGPT. MailChimp. Slack. Calendar. Dropbox & more. This is enterprise adoption done RIGHT!

World Population = ~8 Billion That equates to roughly, 0.0019 $QNT per person 6.25 $HBAR per person 12.4984 $XRP per person 6.25 $HBAR per person 4.7436 $XDC per person 6.2502 $XLM per person 0.0647 $RENDER per person 1.0363 $ALGO per person Yes, you're early to Enterprise DLT Can we expect EVERY person on Earth to hold these utility tokens? Obviously not, but this puts into perspective how much you hold relative to what's out there. I firmly believe each of these DLT networks will see exponentially more adoption than the speculation they see today. And the keys to utilizing these networks are implemented in these specific utility tokens. ✅Securing Asset Interoperability ✅Currency Agnostic Bridge Asset ✅Micropayments to GPU Network ✅Payments toward On-Chain Apps These are all essential operations that these tokens unlock the doors to. What we see in the markets & most holders of these tokens is purely just speculation. Wait til the real fun begins.

3 months ago, if someone said $XLM $XRP $ALGO $HBAR would be 4/5 top alts in Bitcoin's run to ~$100k, I bet most people would've just laughed at them & taken it as a joke. Yet here we are today...

Looked at my net worth today. Down 20% this year alone I keep telling myself "HODL, it gets better" But I started asking myself if I'm just chasing a dream that's all but faded I planned to hold for years, but I'm breaking $HBAR down 11% $QNT down 12% $ALGO down 13% ENOUGH IS ENOUGH I know these assets will appreciate in the long run & that prices today won't matter. But I've been holding for over a decade now & I'm truly at my Wit's End. And honestly... In this environment I just feel like there's better opportunities elsewhere. It hurts, but as an investor we can't be emotional. This is why I've finally made the decision to sell my remaining Pokemon cards to buy this market dip. I collected these cards as kids not knowing they'd become valuable and scarce 15 years down the line. These cards were a key part of my childhood & now I'm making sure they live through into my adulthood by funding my bags. Making the most of each opportunity🏆

🌐UPDATED DLTs Complying to @isostandards $CSPR-ISO20022 (ACTUS) $QNT-ISO TC307 (TC68 liaison) $HBAR- ISO20022 (HCS+EMTECH) $XLM- ISO20022 (BPV+Moneygram) $XRP-ISO20022 (RMG) $XDC-ISO20022 (Impel) $ALGO-ISO20022 (BoI+OMFIF) $IOTA-ISO20022 (FedWire Tree) Additionals👇 $SHX-ISO20022 (shNET) $CHEQ-ISO TC307 (WG5 alignment) $MNW-ISO20022 (Agnostic payments) $RNDR-ISO JTC (Metaverse Forum liaison) $EWT-ISO15118 (VW EV charging)

🔭Here's a quick on-chain update of # of wallets for various utility tokens. $QNT: 150,812 $XDC: 1,783,126 $XRP: 5,326,054* $CSPR: 191,042 $HBAR: 6,681,345 $ALGO: 37,248,123 $XLM: 8,924,723* $RENDER: 52,577 $MNW: 179,721 $VELO: 13,561 $CHEQ: 81,500 $IOTA: 326,339 $EWT: 154,010 $AZERO: 229,731

I don't care if you're a fan of $ALGO or not, You've gotta respect what Silvio Micali has brought to the industry from his years research From randomized algorithms, zero knowledge proofs & so much more... Let's dive into all thats led up to Algorand today Silvio initially grew up in Palermo Sicily, an island just south of the Italian Peninsula Due to Sicily being located right at the centre of the largest & most populated island in the Mediterranean Sea This introduced countless diversified backgrounds & cultures to Silvio at an early age The diversity ingrained in him the ability to understand multiple perspectives & indirect communications Believe it or not, this diversity has helped strengthen & shape Silvio's successful career in cryptography By being forced to understand different communication & culture views from an early age, This gave him the skill to realize different perspectives, which he then applies into the world of code While 1 protocol may be focused on one thing... You'll always have to keep in mind of ways other people see things & those who might try to exploit it or use it in a non-intended manner Just like how in life, what you may believe to be a kind greeting may be a sign of disrespect in another culture Silvio & his family stayed in Sicily for his first 12 years before moving to Rome This is where he earned his undergraduate in Math at Sapienza University of Rome in 1978 But of course, his thirst for knowledge didn't stop there In 1982, Silvio had finished his PhD from UC Berkeley under the prestigious Manuel Blum Manuel was a computer scientist who contributed majorly to cryptography & a 1995 Turing winner As we can see today, Silvio has taken much inspiration and similarities to the late great Manuel But it wasn't all black and white In fact, he was nearly contemplating on giving up & flying back to Italy within his first year From the culture shock of America, to the large language barrier, the shift is never easy But thanks to the advisory from Manuel, Silvio decided to stick through it Following the completion of his doctorate, Silvio Micali continued his expanding expertise as a Post-Doctoral at the University of Toronto for a year Afterwards this is where he began his long career at the world famous MIT For those unaware of just how much weight the name "MIT" holds in the world of academia.... They've been the #1 ranked university by QS World University Rankings for 12 STRAIGHT years Initially, Silvio's first role at MIT was an assistant Professor in 1983 By 1991 he was a full fledged Professor in computer sciences Around this time also won his first award being the Gödel Prize This is an annual award for outstanding papers in computer sciences award by the European Association for Theoretical Computer Science & the Association for Computing Machinery Today, Silvio has served as a professor at MIT for over 40 years with countless awards & accolades since -2004 RSA Award, Excellence in Mathematics -Member of National Academy of Sciences -Intl Association for Cryptologic Research -National Academy of Engineering member But most notably, winning the Turing award in 2012 for his work in cryptography This was alongside his fellow co-researcher Shafi Goldwasser Their research paper was titled "Probabilistic Encryption" Together they had created a mechanisms for how information is encrypted & secured This solution is widely applicable in our everyday tech thru communications protocols, Internet and cloud computing Which as you may have guessed.... This founding is the basis of whats led us to the solution of zK proofs today! Simply put using Zero Knowledges allow computers. to work in a secure manner with each other while only sharing the required information The name "zero knowledge" speaks for itself, computers can verify whats needed without the knowledge of all the data For example, if you have to verify your age for a certain application through ID - It doesn't need your address & residency - It doesn't need your name in any way - It certainly doesn't need your gender - It doesn't even need your exact age It just needs to know if you're above a certain age Zero Knowledge Proofs inspired by Shafi & Silvios work enable this to be a reality Not only does it enhance the pace and speed of verification, But in our Digital Economy... privacy is essential But thats not all that Silvio brought to the world of the world of code we know today, He's also invented Verifable Random Functions (VRF) Without going too in depth & technical, here is a brief summary: 🧨Picture a VRF as a unique lock and key system for creating secret messages 🧨The key holder can generate a message and prove it's a real message real, like a sealed letter 🧨Anyone else can verify the message's authenticity without ever knowing what's inside the letter itself This alongside zK proofs have laid the basis for countless blockchain architectures today $ETH $MATIC $DOT $MINA & countless others are built upon some of the foundings from Silvio This of course leads us to the Silvio we know today Not only just an MIT professor anymore, but also the creator of his own blockchain Algorand It goes without saying that the countless innovations Silvio brought to cryptography.... He also brings to Algorand Though of course with further tweaks and optimizations, because who understands the protocol better than the guy who founded the foundations? Likely very few, if anybody at all If you'd like to learn more about $ALGO, I recently wrote a thread breaking down all the fundamentals within the network ➡️nitter.app/Tokenicer/status/17060… But since then theres been no looking back from Silvio Algorand has truly taken Silvio all around the world From connecting with even more top universities through their Global University Program Which includes names like -University of Waterloo -Peking University -Carnegie Mellon -UC Berkeley +more Its also taken him to the highest level of sports in being the prime blockchain sponsor for FIFA World Cup For anybody unaware, FIFA is the sports league with the largest fanbase worldwide It's also brought Silvio to El Salvador, a country with a unique approach to try & adopt Bitcoin as legal tender $ALGO actually lays the backbones to this goals infrastructure As the government backed wallet for El Salvador citizens titled Chivo is built on top of Algorand All of this & more has taken in back home, to the heart of Italy From initially winning the Italian Foreign Affairs Ministry's Award in 2020 To now being selected by the Bank of Italy as their public platform for digital sureties Silvio has even gone back to Italy to attend & speak as a key leader in multiple events from the Bank of Italy Perhaps the most notable was his attendance at Milano Hub, the Innovation Centre for the Bank of Italy He had spoke on the importance and focus of adoption of innovative technologies in Italy & of course @Algorand role in that It's truly gone full circle Many attribute the early roots of this space to Satoshi for his creation of Bitcoin, whoever or whatever Satoshi maybe Lots also give praise to Ethereum brainchild Vitalik Buterin for enabling the possibilities of smart contracts But between all this lies Silvio's decades of research that made the future advancements of blockchain possible When its all said and done, I believe Silvio's name MUST be added alongside the proclaimed "Founding Fathers of the Industry" From just a young boy growing up in Italy, To becoming the Mastermind behind the foundations of what will secure our Digital Economy moving forward To now becoming the Light Towards the Future of Italy's infrastructure This is Silvio Micali's story gone full circle🌐

🇬🇧 Lloyds Bank's making serious moves into Enterprise DLT. This is no small feat as Lloyds is largest UK retail bank, with roots dating back to the 1700s. These aren't just “bank tests blockchain” headlines. $QNT = Shared ledger for commercial banks $XDC = First ever UK EDTA compliant trade $HBAR = Tokenized foreign exchange settlement A financial dinosaur by age, but not by mindset. They've survived this long for a reason & it's been by adapting with the ever evolving world of finance. Instead of fighting the shift, Lloyds is wiring it in Testing real rails for digital payments, paperless trade, & tokenized assets across Enterprise DLT. Start with trade. Through Enigio on XDC, Lloyds ran the first UK‑legal paperless trade under the Electronic Trade Documents Act (EDTA). It’s MLETR‑aligned by design, which is why this sets the template for other jurisdictions to begin adopting digital paperless global trade. Move to money. In UK Finance & EY’s Regulated Liability Network pilots, Lloyds sat alongside HSBC, Barclays, Citi, Santander, NatWest. On top of this leading payment providers & FinTechs like Visa, Mastercard, Banfico & Coadjute were in the mix. The aim was a shared ledger for for tokenized deposits and tokenized assets wired to legacy rails. What made all of this possible? None other than Overledger's agnostic interoperability. Quant's Overledger was responsible for all the orchestration so banks and PSPs could actually transact across one coordinated fabric. Last but not least settlement. Just recently we saw Lloyds team with Aberdeen & Archax for testing UK tokenized settlements. This operation used a tokenized Aberdeen money market fund against a tokenized UK digital bond. While tested outside the Bank of England's UK Digital Securities Sandbox, the alignment was clearly visible. The trade was executed by Archax, with all tokenized components and assets being hosted on Hedera. –––––––– Read all that again...

95% of crypto content is 𝐏𝐎𝐑𝐍 No, not the dirty kind But the kind that makes you chase materialistic things -Green Candles -Price Predictions -Promises of 100x -Clickbait Titles They're feeding you DREAMS Like always, I'll keep it real with you $QNT won't be the ONLY interop solution, but they're building Internet standards on interopability w MIT $CSPR isn't going to be the only upgradable network, but they're the few building w IBM & Hyperledger in that field $RNDR won't be the only rendering solution, but the biggest media names are already looking there $MNW isn't the only supply chain middleware, but their the only agnostic middleware complying to MLETR $XRP isn't going to capture all of the value in the world, but they'll bridge all assets past, present & future $NXRA won't be the DeFacto DeFi solution, but they'll have everything institutions need to leverage CeDeFi $KAS likely won't see the level of enterprise adoption as other enterprise chains, but they'll likely see STRONG academic adoption $TRIAS won't be the only machine trust solution, but Huawei is already using their team patents for 5G trust $HBAR council isn't going to make all other L1s irrelevant, but Hedera Services extend to other layers $LEOX won't be the only pNFT solution, but they're the first public one built on Overledger $STATS isn't the only on-chain platform, but its the first to incorporate a fully community governed consensus $DAG won't see all the data on HGTP, but they've built a military grade platform for anyone to build data focused businesses $TAO won't have everything AI on there, but with its open network their AI will only grow exponentially faster $IOTA won't be the sole layer for machine comms, but they'll be a multi-purposed industry utilities $EWT isn't going to see all the energy trading on EWC, but DERs are already registered in their system $LCX will be FAR from the only regulated exchange, but they're the first to do so under Liechtenstein TVTG $XDC won't be the only one to close the trade finance gap, but they're already playing a large role $ALGO won't be the only heavily academically backed L1, but they have some of the smartest academias behind them $LINK won't be the only data oracle, but it holds a SIGNIFICANT share already $INX won't be the only regulated security token platform, but they're MUCH further along than 99% of other STO platforms $FIL will be one of MANY on-chain storage solutions, but they've already got connections & usage from Internet Archive, Hyperledger & Wikipedia $AZERO will probably see other L1s embedding a L2 organically, but few will have the level of brains & connections in their team Never forget, 0 emotions🔑

$XRP Ripple Board of Directors Look at the connections. The visions always been far beyond crypto

Which box are you going with? Agnostic Liquidity x Trust Credentials $XRP $CHEQ Govt Grade Trust x Standardized DLT $QNT $HBAR Agnostic Utility x Evolved Money $ALGO x $VELO Unbanked Banking x M2M Comms $XLM $IOTA Digital Trade x National Security $XDC $DAG

I don't talk about $TAO too often But if I had to choose a project 100% by emotion without any deep research, that'd be my answer without second thought If successful it'll be bigger than anything we've ever seen Its not just crypto Its not just DLT Its Metcalfe's Law X AI The concept of a distributed AI network is something that'll take your mind a bit to wrap around Its really not like any project in blockchain You could argue that the closest resemblance to its concept is Bitcoin $TAO takes various functions of Bitcoin and remodels it to fit for AI innovations • 21 Mil max supply + halvening • Fair launch (no ICO) • Distributed compute network The main difference between these two networks can simply be described as: Bittensor is simply what Bitcoin is doing with a distributed monetary network, but instead of providing compute power to validate transactions, The resources provided are AI learning/training models In other words you're creating a network of networks for AI We already know how exponentially AI has been growing at.... and these were all from closed proprietary solutions Google. OpenAI. Apple. Microsoft. Midjourney These are all companies with some of the most disruptive AI solutions today Whether you're looking for a GPT bot to fill you in with all the knowledge, or looking to generate some sick art, one of these tools have you covered • Simplify research process • Generating content ideas • Automating workflows • Summarizing papers • Generating images • Generating videos • Music suggestions • Voice cloning • AI calculator These are just a short list of tools I've personally used AI for & these are all closed proprietary solutions Its already quite terrifying how fast all of this is improving at... yet these are still closed solutions Think about this for a second, The growth we've seen from AI is already incomprehensible to our minds What do you think will happens when those gates are unlocked and everything AI learns from everything else AI? The speed of AI now is comparable to a Ferrari 448 The speed that AI could potentially grow with $TAO could be compared to a Lockheed YF-12 There are a couple possible scenarios that could lead to the success of Bittensor 1. Adoption By Growth Theres a good chance many of these big AI companies DON'T want to make their secret sauce public After all, they'd probably make more money keeping it closed & proprietary Or would they....? With $TAO these big tech companies could further monetize their AI solutions with microtransactions Imagine if OpenAI could get a small micropayment every time someone used their training model inside $TAO to build an AI of their own! That could open an entirely new avenue of revenue for established AI solutions 2. Adoption By Demand Let's say they still don't want to take that route & AI solutions by big firms remain closed Even with the large capital that these AI giants have, theres the possibility that Bittensor could outgrow these heavily funded solutions Money is certainly a key factor in remaining consistent growth of any technology But when its a technology thats able to not only learn on its own, but EVERYTHING around it Theres no telling how far up the exponential curve that Bittensor could take AI growth towards The adoption of AI is beyond confirmed, Bittensor has positioned themselves in such a unique way to capture the innovations from this industry The work we've seen from their versions of AI art generation has already been something to marvel at While theres no guarantee that large tech firms will adopt the solution of opening the AI field The development & concept of an open AI network by Bittensor is already well alive and growing by the day In a world where AI is on the cusp of transformation, $TAO is aiming to take it a step further Whether through adoption or demand Bittensor stands poised to reshape the future outlook of AI Its not just another crypto or DLT project Its the embodiment of Metcalfe's Law fused with AI

🌐4 of the most well connected DLT networks to our global system $HBAR Board of Top Global Corporations $QNT FinTech & Standards At Scale $XRP Global Institutions & Govt agencies $CSPR Professional Enterprise Services This is where global leaders point for the Future of DLT

Governments hate blockchain This is a false narrative being pushed around mainstream crypto The truth is governments are already adopting DLT, you just gotta look in the right place $QNT is on GovUKs patent n cloud marketplace $XRP has Palau govt backed USD stablecoin $CSPR is building smart cities in China $HBAR recognized by US Dept of State $XDC is highlighted in UK Electronic Trade Bill $MNW phytosanitary standard in Argentina $XLM is used in Brazil & Ukraine CBDC trials $EWT REC registry APAC/El Salvador/Turkey $DAG is building IRON SPIDR with the DoD $LINK SWIFT oracle integration for interbank $TRIAS licenses for commercial JPY stablecoin $ALGO "Magic Juice" certificates in Colombia $NXRA compliant DeFi for LSEG institutions $IOTA building EU commercial DLT foundation $VXV NASA & CERN gene structure R&D $AZERO CEO in EBSI for EU DLT framework $MATIC Caste certificates as NFTs in India $FIL enterprise file storage in Hong Kong #HLB is hosting LACChain backed by IDB #SDX is being used for tokenized bonds #CORDA is being used for 5+ CBDC tests

Now that $XRP is above $1 seems everyone on Crypto X wants a piece. Everyone laughed at XRP last cycle, Kept laughing after 5+ central banks on Ripple’s CBDC platform Many still laughed when we bagged DIFC It’s funny how quick things turn around once they see a few green candles.

🤝The Archax x $HBAR pooled tokens opens more doors than you can think Essentially we now have regulated tokenized ETFs. Pooled tokens bring forth the potential to birth new baskets of assets consisting of digital assets & TradFi RWAs. Below I've drawn up a few examples that all vary by exposure and volatility Pool 1 showcases one that most institutions would likely be more comfortable with. Large focus on MMFs with slight crypto exposure. Pool 2 brings more of a balance to near 50/50 split. Pool 3 would be suitable for those who are looking for crypto exposure but semi-limiting volatility exposure. As for the other 2 pool examples, they showcase how we can now bring diversity into digital assets. In a sense these can be seen almost as hybrid assets. You're mixing tokenized TradFi assets with the future of digital assets. We've already seen Archax utilize an early form of pooled tokens with their Lloyds x UK Digital Bond transaction. But now we're seeing Archax expand upon this vision. From instant settlements, to creating new hybrid assets. A monumental step in tokenization for Archax & Hedera

Look beyond just "crypto" or RWAs with $XDC In fact XDC wasn't initially built for any of that. They were crafted for pure utility right out of Abu Dhabi Global Markets RegLab sandbox. DLT tailored for the $30 Tril+ global trade industry, XDC is DESTINED to take some market share within the process of trade finance digitalization. While trade finance is around $33 Tril valuation today, we have to keep in mind that many of the inefficiencies and expenses weigh the industry down. Many of the inefficiencies that are solved by XDC. From eliminating paper based trading, to closing the trade finance liquidity gap & more. In other words... XDC doesn't just have the potential to take market share from, They have the potential to increase the valuation of trade finance beyond it's already monumental size. In fact they're already doing that with the likes of JP Morgan, SBI Japan & more using the network. But let's be conservative & crunch some numbers. Lets just assume trade finance hypothetically doesn't grow & caps out at $30 Tril. Currently XDC's market cap is ~0.004% of global trade At 0.01% of trade finance, XDC's at $0.21 At 0.5% of trade finance, XDC's at $10.52 At 1% of trade finance, XDC's at $21.03 And at 25% of trade finance, XDC's at $525.81 Obviously these price levels are absolutely insane, I'm sure many of you reading this would never have to work another second in your life if we reach these levels. But it really puts things into perspective to how broad all of global trade is & how early we are to XDC Network. Is there any guarantee that we get to these levels? Of course not, just like all things in life there are never any guarantees. But we make calculated decisions, And what we see with XDC is about the best calculated risk we can take for the digitalization of global trade.

✔️If each project had a slogan describing their best features $QNT: Connect the world to any DLT $MNW: Central logistics communicator $EWT: Distributed energy grid blueprint $HBAR: To & By global enterprises $CSPR: Hybrid, upgradable future-proof DLT $DAG: Military standard cybersecurity $TAO: Opening the AI training silos $XDC: Digitalizing trade finance operations $RNDR: Rendering a true immersive reality $NXRA: The Nexera of borderless finance $AZERO: New paradigm for Layer 1 architecture $LCX: Compliant tokenization framework $ZCX: Agnostic multi facet exchange ecosystem $IOTA: Automation through transfer of data value $ALGO: Bringing DLT to the future of academia $DMTR: Tech innovations into agriculture $VEE: Bringing industry purposed utility to NFTs $LEOX: Integrating NFTs with the physical world $RSR: Solving inflation with asset tokenization $XRP: Value transfer at Internet speed $CHNG: Borderless digital asset ecosystem $FLR: Internal plumbing to connect the industry What would YOUR favorite projects slogan be?

Seeing "ISO coins" like $XRP $XLM $HBAR $XDC etc taking off has been beautiful. Many of these guys have waited for YEARS with conviction thru research. All while 99% of this space just laughed at them As always... IGNORE THE NOISE YOU spent those hours researching, not them Don't let the opinions of other retail FUD you out when you're looking at the pinnacle of Enterprise DLT Central Banks. F500s. NGOs. When these global leaders are at play... The FUD by retail simply don't matter. Congrats to all those that have held thru the noise, FUD, laughter & more. This is what patience and conviction gets you🏆

Since everyone's been diving into the $XLM ties, here's some more As we know Stellar founder Jed McCaleb also owns Vast, a space company. This company just so happens to be partnered with Elon Musk's SpaceX But it goes far deeper than just this... We also know Elon has ties to both Stripe and PayPal. PayPal as he was an initial founder of it & Stripe through an investment he made. In regards to PayPal, we had seem them acquire Curv. This is a cloud based digital asset solution, but what's most interesting here is how they're used by Franklin Templeton for custody. As we know Stellar & Franklin Templeton have had a long standing partnership for tokenized RWAs. And as we can see in the article, it explicitly mentions both Stellar & Curv used by FT in the same line🤔 But with regards to Stripe, as we had mentioned Elon had invested in them. And funny enough, Stripe then continues this chain through investing into Stellar Network! As we know the Stellar x Stripe ties also greatly strengthened with the results of Meridian 2024 confirming Stripe was working to integrate Stellar to further expand both payment ecosystems. On top of this Stripe is also the primary payment rail for X to pay it's creators. A very minor detail, but one that might be worth noting down the line. Especially given how since Elon Musk had joined X he had put a large focus on an "Everything App".

I shared $HBAR F500 ties at $0.04 I shared $XDC Enigio by Lloyds at $0.025 I shared $XRP x DIFC & DFSA at $0.40 I shared $XLM UNHCR & Mastercard at $0.08 I shared $IOTA adoption in UAE/EU at $0.10 I shared $ALGO utility ecosystem at $0.10 Lets compare these prices to today: HBAR = $0.37 (+825%) XDC = $0.13 (+420%) XRP = $3.21 (+702%) XLM = $0.48 +(+500) IOTA = $0.39 (+290%) ALGO = $0.47 (+370%) I didn't predict the future, hell to be fully honest I didn't think these "Dino Coins" would be the first to run But here's what I DID know Through countless hours of documented research, we've seen what these networks are doing. They're not your traditional L1 crypto network aiming to capture retail attention with buzzwords. These are ran much closer towards a semi decentralized corporate structure building for real use cases. Everything these networks do have a real world purpose whether it be for banking innovations, alleviating trade finance struggles & everything else in between. To me it was a matter of "if", not "when" So for those that have been asking "wen moon" all these years.... Here it is. And I genuinely believe we've still seen nothing yet. +825% on HBAR? XDC going up 4x? These are rookie numbers, remember this market is still driven by pure speculation. Though of course this isn't to say the profits aren't real. If you made life changing money, don't be an idiot. Enjoy the life changing money & come back when the FOMO & hype has once again left the markets. Crypto's total market cap isn't even $4 Tril. When we look at banking, trade finance, etc. These real world industry verticals all worth well over $10 Tril each & as we know these DLT networks are directly playing into the future of such verticals. THATS where the real money will be.

🇦🇪It's clear the UAE as a whole is one of the few regions adopting DLT the RIGHT way And it's clearly been evident in how they're government bodies are aligning DFSA Approval- XRP DFSA Collaboration- XDC IOTA DIFC Courts- HBAR UAE Central Bank- XDC IOTA DIFC- XRP Saudi Ministry of Investment- HBAR Abu Dhabi GM RegLab- XDC & TradeFinex Abu Dhabi GM Foundation- IOTA Shari'a Compliance- IOTA Each of these connected entities and initiatives are driven by government connected authorities. And it's no coincidence that the DLTs they're connected to are ALSO ones connected with other respective governments & F500s around the world! The UAE is one of the wealthiest regions on Earth. It's not by luck, they're clearly not stupid. The UAE played the oil rush perfectly & now they're playing the Web3 & DLT rush just as well🧠

Theres layers to what awaits the future of DLT. This pyramid showcases how wide the array of categories and target markets DLT is attacking. Note that projects higher up DON'T represent that they're "better" than the others. (Besides the bottom layer) This diagram purely displays the levels in DLT adoption ranging from Degens at the very bottom, to aggregate of enterprise & retail in the middle, all the way up to global elites and standard grade solutions at the peak. Simply put, the bottom layer is arguably the widest array of market exposure, though whether they hold any utility or quality is another question. The layer above that in "Mainstream" is specifically showcasing projects that are mainly geared towards mainstream and retail users. This can range from P2P applications, DeFi ecosystems, crypto specific applications, etc. As you go up the list things begin to get more serious. Aggregate Market specifically refers to any DLT solution that doesn't exactly fit as "retail" or "enterprise". Rather its suitable general use for either side. For example Render & Bittensor are both insanely disruptive projects in their own regards. But their use cases aren't for a specific side only, realistically any large corporation could begin leveraging OctaneRender or the Bittensor network. As we get higher upwards, the focus shifts from the general aggregate markets to specific industries & global leaders. This is where standardization happens. Each of the project from this point on are for the most part solely focused on industry advancements and standard frameworks for DLT to begin proper deployment and use in a business setting. Towards the top we see the same names that are at the top of our world in creating standard procedures today. One could argue the total demographic is shortened towards the top of the pyramid, But at the same time the impacts and entities involved certainly grow the higher up you go. Again, this pyramid doesn't signal which projects and categories are "better" than the others. It simply shows the hierarchy of industry standards and target market potential.

The UAE shows Enterprise DLT adoption done right. All connections here are with DLTs we regularly see the likes of F500s & govts involved with. From $HBAR for wills & inheritances, $APT & $XDC ties to ADGM, to $XRP & $IOTA with token compliance approval. But there's more... Connections and collaborations here aren't like what we see out of most other nations. We're seeing the UAE go ALL IN on real world utility. They're not so much exploring hype topics and narratives of DeFi, P2E, etc. They're going straight for use cases that can make an impact on their economy & they've certainly chosen well. We've seen Hedera selected by DIFC Courts for their consensus service for digital asset wills & inheritances. An interestingly unique yet essential use case. After all, wills and inheritances is how generational wealth is passed down. Ripple & XRP, contrary to their home in the US have seen great progress with compliance & adoption in the UAE with their recent DIFC partnership & DFSA approving XRP as a compliant token. XDC Network has had some of the longest lasting ties with Abu Dhabi dating back to their pre-launch days. With both XDC & TradeFinex testing within ADGM's RegLab sandbox they essentially had a cheat code to launch into the world of digital trade. Just a little over a year ago we saw IOTA's Abu Dhabi Foundation get approved by ADGM. And since then it's been nothing but progress. This year we've already seen IOTA expand their presence in the UAE with a variety of initiatives. With the 2 biggest keys being their role in showcasing tokenization on IOTA during a UAE Congress event & IOTA token receiving official Shari'a compliance. Last but not least is Aptos. While much younger than all these other networks, Aptos has proven to be a key player in bringing real world use cases in Enterprise DLT. From working with names in tech like Microsoft, to Franklin Templeton in institutional finance. It's no coincidence that ADGM had approved their recent opening in the region. ––––––––––––––––– It's no secret that the UAE has progressively grown to one of the most powerful bodies. With much of this obviously being due to the oil industry Well now we're seeing the age of digital oil rise with data and digital assets. And now... It seems like the UAE is positioning themselves perfectly for the digital oil rush to come

$HBAR is truly at the edge of innovation Drones: Neuron Trusted AI: NVIDIA & Intel (EQTY) Quantum Security: SEALSQ/WiSeKey Tokenization: Archax & abrdn CBDCs: EMTECH & Accenture Open Sourced Tech: Linux Fdn Every vertical displaying innovation has been deployed on Hedera

$XDC is one of the most uniquely positioned in all of enterprise DLT Built to disrupt all of trade finance... they've done EXACTLY that With a seasoned team directly tied to all of the sector building DLT fit for global trade on-chain ✅Regulated Entities ✅Trade Technology ✅Financial Infrastructure ✅Top Grade Cybersecurity Thee are all parts of the global trade & supply chain process that are required for global trade scale What we've seen out of XDC Network's accomplishments in regards to MLETR is barely a sniff of the greater vision within the XDC ecosystem The team is heavily connected to some fo the top entities in the world of global trade Just look at Andre Casterman (4) & Andrea Frosinini (5) for examples of where these guys are connected to in the legacy established world of trade SWIFT, ITFA, ICC, Trade Finance Global, Hyperledger These are all either legacy trade leaders or established names in the DLT space setting industry standards When we look to the regulated finance side of things, we see connections across the board With the most notable being through MonetaGo Most interestingly, XDC cofounder Athul Khekade was a founding member of MonetaGo & served as the regional Managing Director for India! This is a FinTech fraud prevention platform that's backed by the likes of: SWIFT, ITFA, BAFT, Lloyds & more To have multiple members at high level positions from MonetaGo building out XDC with the same respective connections still present sure is an interesting sign... Additionally we see more public sector connections beyond trade bodies like ITFA From Research & Innovation for Tokyo's Tech Labs, to the Japan Representative for the UAE/Africa Development Consortium As we know, XDC has built quite a fair share of connections within the UAE region Could Japan be coming next especially with the TradeFinex x SBI connection?👀 These connections all align perfectly with not just XDC Network directly, but even the applications built within the $XDC ecosystem Whether it's.... • Enigio for trace:original trade documents • TradeFinex to aggregate trade finance platforms • TradeTeq for tokenizing trade instruments on-chain • Impel for bridging DLT based ISO20022 messages • Globiance for fiat to digital asset conversion These regulated connections to establishments in the public/private sector are the keys to unlocking full trade finance utility on XDC What's opened my eyes most about the XDC team is their focus on cybersecurity As we can see from Solomon Morale's background, XDC has grabbed the best of the best While not a common topic of focus, the supply chain and trade industry requires utmost security & data privacy This is due to the procedures required between certain parties in data exchange across specific parts of the supply chain procedure One security breach could cause serious issues This is why XDC has decided to go with truly top national grade cybersecurity Having served in military cybersecurity for the US Department of Defense is about as good as it gets When paired together you get $XDC the team, A team that's truly capable of building out the vision of a globally distributed platform for all trade finance operations to take place in a single ecosystem🌐

🌐Blockchain is at the epicentre of all innovations Digital finance: $XRP $XLM $NXRA $WTK E-Business: $HBAR $IOTA $CSPR $FIL Globalization: $QNT $FLR $LINK $ATOM Tech Discovery: $TAO $RNDR $FET $TRIAS Data Leverage: $DAG $STATS $OCEAN Tokenization: #TOKO #IPWE #TRADA Privacy/Security: $ROSE $AZERO $HAPI Digital Twins: $XDC $MNW $TRAC $VET Identity: $EWT $CHEQ $KILT $ID Governance: TC 307/SATP/MiCA Academia: $KAS $ROSE $ALGO $VXV This is just a list of current innovations regularly being discussed in blockchain As these develop it'll inevitably unlock new expansive use cases Healthcare Entertainment Construction Public Safety That's still just barely cracking the surface There's MUCH more that'll come in time as we watch this industry continue to exponentially evolve

I really don't have a good way to describe $ALGO. Whether you need it for payments, RWAs, sciences, retail & consumer. The network simply... Just works. This is visible in their wide versatile array of use cases built overtop of the network. You've got everything from giants in the financial space like the Bank of Italy/Bank of Sweden & HesabPay. The former two obviously showcase approval and consideration for use at the central bank level. About as good it gets when it comes to adoption by financial leaders. And then with HesabPay it shows demand and use for digital payments in areas without the proper banking infrastructure... Banking the unbanked. As the leading digital payments provider app in Afghanistan, this is a huge approval for Algorand. And if you want to dive further to FinTech innovation on Algorand there's Quantoz, Koibanx & Archax. Each showing their utility in everything ranging from regulated stablecoins, tokenization & DLT payments. On top of this we know there's a variety of academias that have backed & collaborated with Algorand. But beyond this we've since seen names like the United Nations & CERN turn to Algorand. The UNDP is directly looking to Algorand to bring knowledge on blockchain to the UN specialized agencies. Whereas PlanetWatch, a spinoff of CERN for tracking air quality data is leveraging Algorand for immutable data. And even within general government adoption, we've seen interest from both the state government of Plateau in Nigeria & El Salvador. As we can see, whether it's government, enterprise, consumers or consortiums. When it comes to Enterprise DLT innovation, Algorand truly encompasses a broad ecosystem. ––––––––––––––––