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Here’s How a $10M in XRP Could Deliver Returns Over Time

Abdulkarim Abdulwahab
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Here’s How a $10M in XRP Could Deliver Returns Over Time

Crypto founder of Black Swan Capitalist and XRP advocate Vandell Aljarrah recently highlighted the potential investment returns on a $10 million stake in XRP.

In a post on X, he outlined how $10 million invested in XRP at the current price of around $2.30 could perform at various future price targets. He used the potential return on investment to explain why he believes institutions may be drawn to gaining greater exposure to XRP.

How $10 Million in XRP Could Perform

With XRP currently trading at approximately $2.30, a $10 million investment could acquire around 4,347,826 XRP tokens. According to Aljarrah’s projections, this portfolio could triple in value to $30 million if XRP price hit $6.90.

A price of $6.90 per XRP would represent a new all-time high, surpassing the previous peak of $3.84, which it set over seven and a half years ago. Specifically, reaching $6.90 would require XRP’s current price to increase by about 200%.

Considering XRP has already posted a 335% gain this year, many XRP proponents argue that a similar price surge is not out of reach. However, the token still remains 39% below its 2018 all-time high, attempting to break above $2.

Meanwhile, Aljarrah projected even more ambitious scenarios. He suggested that XRP could break into double-digit territory, significantly rewarding today’s investors.

He specifically proposed that XRP could reach $11.50, offering a potential 5X return. In this case, a $10 million investment today could grow to $50 million.

Aljarrah also projected a scenario in which XRP continues its uptrend and surpasses the $20 mark. His projections show XRP could hit $20.70, resulting in a 9X return and turning the original $10 million into $90 million.

It is worth noting that at $20.70 per XRP, the token’s market capitalization would reach approximately $1.21 trillion. This would make XRP a trillion-dollar asset, placing it alongside the likes of Bitcoin, Meta Platforms (formerly Facebook), and Berkshire Hathaway. In this hypothetical scenario, XRP would surpass the market value of companies like Visa, JPMorgan Chase, and Walmart.

Even Bigger Returns for Institutions

Despite these impressive figures, Aljarrah presented even more ambitious projections. He predicted that XRP could deliver 11X, 12X, or even 13X returns, corresponding to price targets of $25.30, $27.60, and $29.90, respectively.

In the most bullish scenario, a $10 million investment could grow to $130 million. Aljarrah believes that institutions with deep pockets will recognize this potential and consider it a compelling reason to enter the XRP market.

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Vandell Aljarrah’s projected returns on $10 million in XRP

Indeed, numerous institutions in the United States and abroad are already seeking exposure to XRP, primarily through ETF filings. Since last month, XRP has seen the launch of futures products by Coinbase and CME, along with ETF futures from ProShares and Teucrium. 

Additionally, spot ETFs from financial giants like Franklin Templeton, Grayscale, and Bitwise could launch in the final quarter of this year.

Interestingly, companies such as Wellgistics and Worksport have announced plans to adopt XRP as a strategic reserve asset. 

Others, like SBI Holdings, have received shareholder proposals to do the same. They are seeking to potentially mirror Michael Saylor’s Bitcoin strategy at MicroStrategy, which has generated over $19 billion in profit.

Bitcoin Makes Getting Rich Easier–Even 0.01 BTC Can Make You Rich: Rich Dad Poor Dad Author

Lele Jima
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Bitcoin Makes Getting Rich Easier–Even 0.01 BTC Can Make You Rich: Rich Dad Poor Dad Author

Financial literacy expert Robert Kiyosaki reveals how investing in Bitcoin has made getting rich easier for everyone. 

The author of Rich Dad Poor Dad issued a rallying cry to his 2.7 million X followers today, revealing how a small investment in Bitcoin could make them very rich. He expressed shock over how easy it is for people to become rich by investing in Bitcoin. 

“I cannot believe how easy Bitcoin has made getting rich…so easy,” Kiyosaki remarked. 

How a Small Bitcoin Investment Could Make People Rich By 2027

In his view, it is now easier to become rich by simply buying and holding Bitcoin rather than investing in traditional financial instruments like gold. 

This reasoning stems from the fact that Bitcoin has historically produced huge returns for investors who buy and hold the cryptocurrency compared to other assets. 

Given Bitcoin’s growth potential, Kiyosaki seemed baffled that many have yet to invest in it. He suggested that people do not need to own a whole Bitcoin, which costs around $109,692 at press time. 

According to him, the value of a fraction of Bitcoin, like 0.01 BTC, could skyrocket massively in the next two years by 2027, potentially making early investors rich. 

This view aligns with the numerous predictions, suggesting that Bitcoin’s price will skyrocket tremendously in the coming years. 

Kiyosaki Ignores Bitcoin’s Volatility, Focuses on Its Prospects 

Meanwhile, he acknowledged Bitcoin’s volatile nature, suggesting that its price swings can be frustrating sometimes. However, he emphasized that Bitcoin’s rollercoaster movement is normal, just like everyday life. 

Further, given the asset’s scarcity, he urged his followers to overcome hesitation and acquire Bitcoin as soon as they could. The Rich Dad Poor Dad author confirmed that there are only 1 million—2 million Bitcoins left to be mined. 

Based on Bitcoin’s scarcity, he predicted a parabolic spike in its price–a move Raoul Pal describes as ‘going into the Banana Zone.’ 

Interestingly, he encouraged his followers to take advantage of Bitcoin’s opportunity to become rich. The financial literacy author recommended that investors only listen to high-profile Bitcoin bulls and educators like Michael Saylor and Anthony Pompliano. 

“Please do not be a yellow banana and miss the easiest time in history to become rich and financially free [through Bitcoin],” Kiyosaki remarked. 

Bullish on Bitcoin 

Kiyosaki has remained optimistic about Bitcoin’s potential, portraying the premier asset as the biggest opportunity in history. He believes that Bitcoin provides a hedge against global war caused by greed and fear. 

Like many proponents, Kiyosaki has also issued jaw-dropping predictions for the firstborn crypto. Last month, he forecasted that Bitcoin would reach an ambitious target of $200,000 by the end of the year, marking a surge of 82.32% from the current price. 

He expects Bitcoin to soar to greater heights and eventually clinch a target price of $500,000 – $1 million, potentially driven by hyperinflation in the U.S. economy.

XRP or Solana? Brandt Asks Which Is Better Option for $100,000 Investment

Sam Wisdom Raphael
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XRP or Solana? Brandt Asks Which Is Better Option for $100,000 Investment

Veteran market technician Peter Brandt recently asked investors to choose the better investment option between XRP and Solana.

Notably, in a recent post, Brandt asked his audience to choose where they would place $100,000 if they were limited to only one of the two options: XRP or SOL. He suggested that participants provide their case in under 40 words.

The market veteran presented charts of both assets to highlight their current positions and help investors make the right choice.

XRP Retesting Triangle Breakout

Specifically, the 3-day XRP chart shows a multi-year symmetrical triangle that had just resolved to the upside. This breakout occurred above a long-standing descending resistance line and sent the asset to $3.4 in January before a pullback occurred.

XRP is now retesting the breakout, with a potential push toward the upside once the retest concludes. The target for this breakout, based on the measured move of the triangle’s height, is $4.43. 

XRP 3D Chart Peter Brandt
XRP 3D Chart | Peter Brandt

Currently, XRP trades at $2.34 amid a 12.88% gain year-to-date. Technically, it hovers slightly above the 8-period simple moving average (SMA) of $2.36 and just above the 18-period weighted moving average (WMA) of $2.29, indicating near-term support and momentum convergence. 

However, the Average Directional Index (ADX) sits at 14.17, signaling that the strength of the trend remains weak for now. The Average True Range (ATR), at 0.2588, points to a phase of low volatility, which indicates consolidation but typically follows a strong directional move.

Solana Attempting Cup N Handle Breakout

On the other hand, the weekly Solana chart reveals a cup and handle pattern. The cup began forming after the asset’s peak in late 2021 and found its bottom in 2022. The handle took shape in early 2025 and now appears to break to the upside. 

SOL is currently trading for $177.17, showing a year-to-date decline of 6.31%. This puts it beneath XRP in terms of 2024 performance, where XRP has outperformed SOL by 102%. 

Solana 1W Chart Peter Brandt
Solana 1W Chart | Peter Brandt

From a technical view, SOL is above both its 8-period SMA of $147.85 and its 18-period WMA of $150.89. The projected target from the cup and handle breakout is approximately $518.73, but the asset still needs to confirm the breakout. 

Its ADX at 15.91 slightly surpasses that of XRP. Notably, this suggests marginally stronger trend development. Further, the ATR of 37.23 indicates healthy trading volatility.

Analysts and Investors Choose Between XRP and Solana

Notably, several analysts and investors responded to Brandt’s question with different perspectives. Australian trader CJ picked XRP, pointing out that it faces fewer institutional sellers compared to Solana, which he believes is weighed down by over-the-counter distribution pressure from institutions. 

Another user, IL Gallon, chose XRP as well, citing Wyckoff accumulation signals that suggest XRP’s price behavior indicates a stronger accumulation phase than that of SOL.

Further, trader Peter Detwiller also leaned in favor of XRP. After reviewing daily charts, he felt Solana’s pattern lacked clarity and described it as appearing overly optimistic without a solid foundation. 

However, analyst Chris Huber picked Solana. Specifically, he noted that since April’s selloff, SOL has consistently respected its 20-day exponential moving average (EMA). He pointed to a possible breakout past January highs near $261.43.

Meanwhile, analyst “Guy on the Earth” emphasized that XRP’s set-up has persisted for long. He noted the asset had undergone a seven-year compression, which often precedes massive price expansions. 

XRP Already Making Higher Highs; SOL Structure More Compelling

Trader Vievie also chose XRP, noting that the token has already made higher highs and seems to be forming a solid base. According to her, XRP’s current setup provides a favorable stop at $2.27, indicating manageable downside risk. 

Meanwhile, Trader Studios Stoic favored Solana. He argued that the asset’s cup and handle structure is more compelling than XRP’s continuation breakout from a relatively short consolidation phase. He described SOL as a more tightly coiled setup with greater explosive potential.

Essentially, both assets present bullish setups. Particularly, XRP appears to be in a post-breakout retest phase, while Solana is on the verge of confirming a major long-term pattern.

Shiba Inu to $1 is Not a Joke But a Challenge: Details

Lele Jima
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Shiba Inu to $1 is Not a Joke But a Challenge: Details

Recent disclosure from the Shiba Inu team indicates that while SHIB’s potential surge to $1 is not a joke, it frames the prediction as an achievable target that requires the alignment of multiple factors. 

Since its launch in August 2020, Shiba Inu has welcomed multiple bullish predictions from notable crypto analysts. This trend gained momentum after the 2020/2021 bull run when SHIB stunned investors with its remarkable rally.  

Of all the predictions issued for Shiba Inu, the $0.01 target has sparked the biggest debate in the community, with members weighing in on whether the projection is achievable. Notably, Shiba Inu’s marketing lead, Lucie, is among those who think SHIB is capable of hitting $0.01 in its lifetime.

SHIB to $1? 

While the community was still debating the $0.01 forecast, Lucie ignited a larger conversation by sharing her ChatGPT session on whether SHIB could soar to $1. Interestingly, the chatbot affirmed that SHIB’s potential surge to the $1 mark is ‘not impossible.’ 

According to ChatGPT, hitting the $1 mark demands a perfect storm. The factors expected to drive the token to this target are SHIB’s integration into everyday payment systems and gaming apps, widespread Shibarium adoption, a broader market rally of up to 10x, and massive utility from other Shiba Inu ecosystem tokens like BONE and TREAT. 

Further, the chatbot highlighted the importance of consistent SHIB burns as a major factor that could drive the token’s price to $1. It suggested that this consistent burn could help Shiba Inu remove trillions of tokens from its supply over time. 

Not a Joke, But a Challenge 

Consequently, ChatGPT asserted that Shiba Inu’s potential surge to the $1 mark is not a promise nor a joke. Instead, it frames it as a daunting challenge that requires the alignment of multiple factors, such as widespread adoption of Shiba Inu and Shibarium, consistent SHIB burns, and broader market bull run. 

Shiba Inu to $1 forecast I ChatGPT
Shiba Inu to $1 forecast I ChatGPT

Is $1 a Realistic Target? 

For context, Shiba Inu is currently trading at $0.00001442, marking a 24-hour increase of 6.42%. However, its price has slightly increased by 8.68% in the past 30 days. Therefore, reaching the $1 target demands a whopping surge of 6,934,712% from the current price. 

At $1, Shiba Inu would have a jaw-dropping market cap of $589.5 trillion, assuming its supply remains constant–a milestone that surpasses the valuation of major assets and companies. 

For instance, precious metal gold is currently valued at $22.54 trillion. Additionally, Shiba Inu’s projected market cap at $1 exceeds the global broad money supply estimated at around $129.3 trillion in Q2 2024. 

Therefore, for Shiba Inu to stand a chance of reaching the $1 mark, the token must undergo consistent burns, as ChatGPT recommended. In a scenario where 99% of Shiba Inu’s current supply goes up in flames, SHIB would be left with 5.89 trillion tokens. 

With 99% of Shiba Inu’s supply burned, a $1 price tag would translate to an ambitious but far more attainable market cap of $5.89 trillion. 

Here’s Where a 64,000% Rally Like 2017 Could Take XRP Price

Abdulkarim Abdulwahab
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Here’s Where a 64,000% Rally Like 2017 Could Take XRP Price

Analyst “GalaxyBTC” has reignited aggressive sentiment in the XRP community with a chart comparison showing XRP’s current price action closely mimicking its 2017 breakout.

According to the chart, XRP has completed a six-year consolidation phase. This culminated in a breakout and retest that resembled the setup preceding XRP’s legendary bull run from 2017 to early 2018.

Two Key Historical Phases Defining XRP’s Trajectory

Specifically, GalaxyBTC’s chart highlights two key phases of price behavior in XRP’s history. The first was a 1,267-day consolidation period before the 2017 rally, following a cooldown from the earlier 2013 price surge when XRP traded above $0.05.

However, XRP dipped massively after that and added another zero in the following years, until early 2017, when the trend dramatically reversed. XRP surged to over $3, marking a more than 70,000% gain from the end of that consolidation period to its peak.

The second key phase in XRP’s history was a much longer 2,471-day accumulation phase that ended in late 2024. GalaxyBTC’s chart shows XRP breaking through a multi-year descending resistance line, nearly identical to the one that triggered the 2017 breakout.

Notably, XRP’s recent breakout has already resulted in a 5X surge before experiencing a brief cooldown. GalaxyBTC emphasized that XRP closely mirrors its historical chart patterns. He suggested that an even more explosive move could follow the prolonged consolidation.

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XRP historical chart by GalaxyBTC

While he provided no exact targets, the chart includes a potential upside to nearly $40 by next year. This would represent a 1,580% increase from the current price of around $2.38. However, some believe this is a conservative estimate based on XRP’s historical performance.

XRP to Hit $1,700 in a 64,000% Rally?

GalaxyBTC’s post drew attention from several XRP advocates, including commenter Remi Relief, who asserted that XRP would repeat history. He predicts a 64,000% increase that could send XRP to $1,700 by Q4 2025 or Q1 2026. For 2025 alone, his “conservative” estimate is $1,200 per XRP by year-end.

Remi also mentioned his broader expectations of an 80,000% to 150,000% increase this cycle, should XRP follow the same trajectory as it did in 2017. “History will be made,” he added.

Reality Check: Market Cap Math Still Matters

While excitement builds, such bullish forecasts raise eyebrows due to the sheer scale of the projections. A price of $1,700 per XRP would imply a market cap of approximately $100 trillion, which seems impossible and unrealistic.

This far exceeds the combined capitalization of Bitcoin and gold and is nearing the total value of the global bond market.

While projections of 64,000% to 150,000% gains are extreme, repeated calls for such outcomes highlight the community’s optimism that this cycle could mark a new chapter in XRP’s history, after more than seven years below its all-time high.

Here is How High Shiba Inu Price Could Reach if SHIB Matches 10% of Gold’s Market Cap

Lele Jima
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Here is How High Shiba Inu Price Could Reach if SHIB Matches 10% of Gold’s Market Cap

Shiba Inu could smash its all-time high record and set a new one if it matches only 10% of gold’s market capitalization. 

Shiba Inu’s Market Cap if it Matches 10% of Gold’s Valuation 

Interestingly, the Crypto Basic also joined the frenzy by estimating how much one Shiba Inu token would be worth if Shiba Inu matches at least 10% of gold’s current market cap. 

At press time, CompaniesMarketCap estimates gold’s valuation to be around $21.534 trillion, making it the most valuable asset in the world. Therefore, 10% of gold’s market cap translates to about $2.153 trillion. For Shiba Inu to clinch this valuation, its market cap must rally by 24,761% from its current value of $8.66 billion. 

It bears mentioning that Shiba Inu has never edged close to this market cap throughout its existence. Despite ranking among the most successful tokens following its remarkable performance in the 2020–2021 cycle, Shiba Inu’s market cap topped at roughly $38 billion when its price peaked at $0.00008845 on October 28, 2021.

How Much SHIB Will Trade If It Captures 10% of Gold’s Market Cap 

Matching 10% of gold’s market cap is expected to significantly impact Shiba Inu’s price action, as SHIB could potentially rally to an unprecedented level. 

If Shiba Inu’s valuation matches 10% of gold’s market cap and soars to $2.153 trillion, one SHIB token would be worth $0.003653. This estimate assumes that Shiba Inu’s circulating supply continues to remain at the same level of 589.25 trillion tokens. 

At the $0.003653 target, a blockchain address containing 500 million SHIB, which is valued at $7,355 today, would be worth $1.82 million. 

SHIB to $0.003 Prediction 

Meanwhile, some crypto experts have previously forecasted Shiba Inu’s potential rise to the $0.003 mark. Last year, a famous analyst who goes by the pseudonym Wizard Crypto projected that Shiba Inu would achieve the milestone during this bull cycle. 

Leading chatbots like Gemini and ChatGPT have also provided insights on when SHIB could clinch the $0.003 target. While Gemini expects this projection to materialize by 2044, ChatGPT forecasts that SHIB will clinch the target sooner, by 2029. 

Further, fresh insights from experts affiliated with crypto trading firm Changelly suggest that the $0.003 target could materialize for Shiba Inu by early 2040. 

Here’s How Holding 4,545 XRP Could Perform by 2030

Abdulkarim Abdulwahab
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Here’s How Holding 4,545 XRP Could Perform by 2030

Market commentators have issued various predictions regarding the performance of XRP by the end of the decade. 

Most believe that XRP could be worth significantly more than it is today. Based on the widespread optimism surrounding XRP’s outlook for 2030, The Crypto Basic examines how much a $10,000 investment in XRP today could be worth by then.

Value of 4,545 XRP by 2030: Case 1

XRP is currently trading at $2.30; at this price, a $10,000 investment today would purchase approximately 4,545 XRP tokens.

Notably, analysts from the Changelly exchange predict that XRP could be worth a minimum of $12.82 and a maximum of $21.25 by 2030. To reach $12.82, XRP would need to surge by 482.72% from today’s price. In this scenario, 4,545 XRP XRP today would grow to $58,272.

In Changelly’s most optimistic scenario, XRP would rise by 865.91% to hit $21.25. Notably, 4,545 XRP would be worth approximately $96,590 in this case. This is an almost 9X return over five years.

Value of 4,545 XRP by 2030: Case 2

Other prediction platforms like Telegaon present a more ambitious outlook for XRP by 2030. Asset manager Bitwise suggests XRP could reach the $30 mark by then, though it considers this the most optimistic scenario.

However, Telegaon projects that XRP’s minimum price by 2030 could be $36.86. At that price, 4,545 XRP tokens purchased with $10,000 today would be worth approximately $167,545. This would represent a 1,575% return.

Telegaon also predicts XRP could reach as high as $48.03 by 2030. At this lofty price point, a $10,000 investment would grow to about $218,318 — a staggering return of 2,083%.

Value of 4,545 XRP by 2030: Case 3

According to ChatGPT, these are four XRP price scenarios for 2030, varying from bearish to super bullish, as shown in the image below.

XRP 2030 price predictions from Bearish to super bullish
XRP 2030 price predictions from Bearish to super bullish

If you hold 4,545 XRP, your potential returns by 2030 will vary significantly depending on market conditions. In a bearish scenario, where XRP is priced at $1.47, your holdings would be worth approximately $6,682.

Under a moderate growth (base case) scenario with XRP reaching $5.51, your investment would grow to around $25,049.

In a bullish case, assuming stronger adoption and partnerships push the price to $13.79, the value would rise to about $62,678.

Finally, in a super bull scenario where XRP becomes a global bridge asset and hits $27.57, your 4,545 XRP could be worth as much as $125,313.

Case 3: Bearish and Ultra-Bullish Extremes

This third scenario considers both extremes in XRP’s projected 2030 valuation. For example, Bitwise also cautions that XRP could plummet by as much as 94% to just $0.13. In that bearish case, a $10,000 investment today (4,545 XRP) would shrink to merely $590.90.

On the other hand, an analyst known as BarriC argues that XRP could reach as high as $100 by 2030. He even suggests that $100 might be considered a “cheap” buying opportunity then. If XRP were to hit $100, a $10,000 investment today could be worth nearly $454,500, turning XRP into one of the most lucrative crypto plays of the decade.

Analyst Says Charts Don’t Lie, XRP Could Surge 1,050% to 2,700%

Abdulkarim Abdulwahab
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Analyst Says Charts Don’t Lie, XRP Could Surge 1,050% to 2,700%

Despite the sweeping bearish sentiment surrounding XRP, Egrag, a well-known crypto analyst, has made bold bullish predictions about the asset’s future.

He suggests that XRP could experience a massive price surge of either 2,700%, pushing its value to $45, or 1,050%, bringing it to $19. These projections are based on historical data and technical analyses of XRP’s performance across previous market cycles.

“Charts Don’t Lie”

Egrag emphasized the power of historical patterns in forecasting future trends, stating, “Men lie, women lie, but charts don’t!” He pointed to XRP’s previous cycles, noting that the asset could replicate historical market behavior that led to explosive price growth.

Specifically, Egrag highlighted technical indicators such as the 21 EMA (Exponential Moving Average) and the 33 MA (Moving Average).

According to his analysis, the last two major XRP rallies (in 2017 and 2021) were preceded by bearish crossovers of these indicators. Then, price consolidation followed, and significant breakouts occurred after about 770 days.

In 2017, XRP surged 2,772%, reaching $3.25. Then, in 2021, it gained 1,052%, climbing to around $1.81, according to Egrag’s chart. These moves occurred after consolidation periods of 777 days (from the 2018 peak) and 770 days (from the 2021 cycle top), respectively.

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XRP chart by Egrag

Based on these historical movements, Egrag believes XRP may now be entering another “blow-off top” phase of a new bullish cycle. This cycle started taking shape in late 2024, when XRP’s value increased nearly sixfold.

Egrag and other bullish commentators suggest this rally could continue, potentially culminating in a dramatic price spike similar to previous cycles. If history repeats, a 2,700% increase could bring XRP to $45, while a more conservative 1,050% surge could send it to $19.

Strategy to Employ on the Journey

While one of Egrag’s ultimate targets remains around $27, he urges caution. The analyst recommends a Dollar-Cost Averaging (DCA) approach to mitigate risk and gradually build a position in XRP. Similarly, he advises taking profits using the same measured strategy of selling at strategic levels rather than all at once.

Caution for XRP Enthusiasts

Despite Egrag’s optimism, not all analysts share the bullish outlook. Market watcher Koroush AK warns that this is not the time to be bullish on XRP. He believes it’s time to short the asset. The pundit points to increasing bearish momentum and predicts a possible drop to $1.30.

Other prominent voices echo this sentiment. Analyst Cole Garner strongly advocates for shorting XRP, while trader Crashius Clay argues that XRP is significantly overvalued with limited support and weakening retail demand. Notably, Clay has disclosed a short position of $1 million on the asset.

‘You’re Not Thinking BIG Enough about XRP’ Think 1,000,000,000x Bigger’, Says BankSocial CEO After Ripple Meeting

Abdulkarim Abdulwahab
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‘You’re Not Thinking BIG Enough about XRP’ Think 1,000,000,000x Bigger’, Says BankSocial CEO After Ripple Meeting

John Wingate, CEO of BankSocial and Hedera developer, recently sparked excitement in the XRP community after revealing that he had a meeting with Ripple’s team.

His post on X described the encounter as possibly “the greatest meeting in the history of international settlements.” This dramatic language hints at a game-changing collaboration potentially involving Ripple, Hedera, and BankSocial.

HBAR Remains Core, But XRP Enters the Picture

While reaffirming that Hedera and its native token HBAR remain a major part of BankSocial’s strategy, Wingate confirmed a new addition: XRP.

This may mark an evolution in BankSocial’s roadmap. Specifically, it suggests an effort to leverage HBAR’s enterprise-grade speed and XRP’s liquidity and cross-border settlement capabilities.

In response to a commenter who asked how Ripple, Hedera, and BankSocial fit together, Wingate broke it down:

  • HBAR is for backend operations, state checks, and application networks via Hedera Consensus Service (HCS).
  • XRP facilitates international money movement, especially into specific jurisdictions.
  • BSL, BankSocial’s native token, powers lending, staking, and decentralized governance within the DAO.

According to Wingate, these projects jointly create “a new financial paradigm.”

This layered integration suggests an ambitious approach to decentralized finance, one where each token plays a specialized role in building next-generation global financial infrastructure.

The Billion-X Vision for XRP

Wingate closed his original post with a challenge: “You’re not thinking BIG enough. Think BIG, then 1,000,000,000x it.”

This implies a vision of monumental scale, a cross-chain financial infrastructure uniting banks, blockchains, and global jurisdictions. 

While no formal partnership between Ripple and BankSocial has been announced, Wingate’s tweet suggests that XRP is becoming a key part of a strategy previously centered around Hedera.

This aligns with a May 19 post on X in which BankSocial replied, “Multichain. XRP too,” to a tweet promoting their upcoming platform, which will allow users to buy crypto and stocks directly from their bank and credit union accounts. 

The platform, built on Hedera, now appears to expand its blockchain support to include the XRP Ledger.

Past Hints at Dual-Chain Strategy

Meanwhile, this isn’t the first time Wingate has suggested a multichain approach. In a March tweet, he shared that BankSocial works with financial institutions and governments worldwide on real-world asset tokenization and money movement. Specifically, he noted that both XRP and HBAR are “major components” of the strategy.

Wingate emphasized each asset’s unique strengths and noted that XRP and HBAR are members of the DeRec Alliance. This reinforces a shared commitment to decentralized infrastructure.

Europe’s Largest Bank HSBC Launches First-Ever Crypto Settlement Service in Hong Kong

Elendu Benedict
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Europe’s Largest Bank HSBC Launches First-Ever Crypto Settlement Service in Hong Kong

HSBC has launched the first-of-its-kind crypto settlement program in Hong Kong, simplifying blockchain-based transactions.

The $3 trillion financial institution has brought blockchain technology closer to its Hong Kong corporate clients. In a press release on Thursday, HSBC announced that users can now settle transactions using digital assets, increasing efficiency and reducing costs.

Hong Kong Users Gain Access to Crypto Settlements

Notably, the blockchain-based settlement service is the first ever in Hong Kong, as crypto-focused innovations continue to broaden their reach. HSBC launched the platform on May 22, allowing for quick and secure payments within its clients in the city.

The service instantly tokenizes fiat deposits, converting them into cryptocurrencies on the platform. Leveraging blockchain technology’s fast and reduced transactional acumen, HSBC corporate clients can make instant Hong Kong and USD payments more efficiently.

Furthermore, users can move funds digitally among HSBC Hong Kong wallets around the clock at a meager fee compared to traditional banking systems. Remarkably, this service is only currently accessible to Hong Kong users, but HSBC revealed plans to expand to Asia and Europe in the second half of 2025.

HSBC Completes First Transaction

Following the launch, HSBC’s blockchain solution processed its first transaction for a client. Notably, it did this with Ant International, an affiliate of Alibaba Group Holdings.

The duo completed the platform’s first-ever instant fund tokenization and transfer. Ant initiated the transaction from its treasury management platform, and HSBC’s DLT protocol digitized and moved the funds to their destination.

Moreover, Ant International and HSBC have other business ventures in common. On Thursday, they successfully pilot-tested Ant’s Whale platform, a digital treasury and tokenization solution.

Hong Kong’s Crypto Hub Push

Lewis Sun, the global head of domestic and emerging payments for global payment solutions at HSBC, described Hong Kong as an innovation-driven hub. He noted that the service perfectly blends the traditional and digital worlds and reflects the solutions that tokenized deposits offer.

In truth, Hong Kong has made efforts to establish itself as a global crypto hub. Meanwhile, to attract the innovation, the Hong Kong Securities and Futures Commission (SFC) issued licenses to four new exchanges, including Accumulus Global and DFX Labs.

Hong Kong also allows wealthy immigrants to disclose their net worth in Bitcoin and Ethereum during visa applications, further demonstrating its friendly disposition towards cryptocurrencies. In May, the city passed a stablecoin bill, requiring issuers to obtain an operational license from the Hong Kong Monetary Authority (HKMA).

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