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Wall Street is working out how to make real money from digital assets, and Ripple wants to sell it the plumbing. Jeff and Chip follow the money to the question XRP holders care about: when the banks and Ripple get paid, does any of it reach the people holding the token? Ripple spotlights a Boston Consulting Group report estimating a regional bank with a $200-300B balance sheet could add up to $100M to its P&L by pairing digital-asset services with the right custody setup. It's a modelled estimate, not booked profit.- Arf brings settlement liquidity to the XRP Ledger, using RLUSD for short-term working capital for licensed payment firms, and Jeff on why RLUSD volume and XRP value are not the same thing.- XRP finally gets its own @XRP handle and xrp.org, and Stuart Alderoty files Ripple's comment letter on the SEC's proposed crypto rules.- Coinbase research: stablecoins settled roughly $35T on-chain in 2025, but only about $390B of it was real payments.- Bit Water: a $900 water-heater element that mines Bitcoin, and the math on whether it ever pays for itself.- Also in the back half: Amy Acton's own mother cuts an ad against her, Trump warns Europe over NATO, Rubio names Iran as the Middle East's core problem, Elizabeth Warren on billionaire money, and France burns while Macron blames Trump. Watch the full show: https://www.youtube.com/watch?v=jdik2xa1nss

XRP holders want to get paid, but who pays? Jeff and Chip follow the money through Firelight, the Flare-based protocol now offering onchain cover for a Kraken DeFi Earn strategy. Stakers earn rewards for backing that protection, and a confirmed covered loss can hit their stake. Firelight's Jesus Rodriguez explains why XRP, which never had a native yield, makes cheaper insurance capital for DeFi than ETH insuring ETH. Also: Flare's Hugo Philion on Flare as the blockchain for data, DriveWealth using Ripple's RLUSD on the XRP Ledger, Swell 2026 in New York, XRPL Africa turning one, why the dollar wins the stablecoin race, how hackers pick DeFi targets, and why Main Street needs insured crypto. In the back half: Spencer Pratt on America, Greta Thunberg and France's riots, Macron, and Warsaw vs Paris. Watch the show: https://youtube.com/live/y63_tL54reY Show notes and links: https://onthechain.io/podcast/xrp-holders-getting-paid/

Stripe just came for XRP. Privy, the wallet company Stripe owns, is partnering with Ripple to put embedded wallets on the XRP Ledger, so developers can drop XRP and RLUSD straight into their apps. Jeff and Chip walk through what that opens up, then connect it to a week where the big names kept lining up behind the ledger. Standard Chartered is now custodying RLUSD on the XRP Ledger through its DIFC branch.Evernorth named Ripple, Coinbase, Kraken and BitGo as execution partners to put its 473M XRP treasury to work.France is weighing a 31.4% tax on crypto-to-stablecoin conversions.An HSBC whistleblower's letter to Scott Bessent lands the same week Treasury hits Bank of America with $1.21B in penalties, and the guys run through a decade of bank fines while Elizabeth Warren keeps blaming crypto.A viewer's Japanese XRP candy gets a live taste test.Also in the back half: Blakeman vs. Hochul, Jewish voters breaking from New York Democrats, the midterm Senate map, why sitting out the election costs your crypto bag, why third parties lose, and U.S. vs. Europe innovation.

MetaLawMan, securities lawyer James Murphy, joins Jeff and Chip to answer the question XRP holders keep asking: if XRP won, why hasn't the market treated it like clarity? His answer is that the US still has no crypto law passed by Congress. XRP is well positioned after Judge Torres's ruling and the SEC's interpretive guidance naming it one of 16 tokens that are commodities, not securities, but guidance can change with the next administration. We get into why a statute beats SEC guidance, the coming courtroom irony where the SEC has to make Gensler's own argument, what's next after Clarity stalled, the exchange protections Democrats voted down, and how the banks shaped the bill. Also: Deaton vs. Markey debate clips, including Markey's Siri-or-Claude answer on AI, and why MetaLawMan is all in on John Deaton. Guest: MetaLawMan - https://www.metalawman.io/ - https://x.com/metalawman Watch on YouTube: https://www.youtube.com/watch?v=kop27ReIw4w

A bug that sat in the XRP Ledger's payment engine for about 10 years could have minted 18 trillion XRP out of nothing, against a fixed supply of 100 billion. Jeff and Chip break down how it worked, who found it, why the fix skipped the usual validator vote, and why it lands right as Evernorth's XRPN is expected to open on the Nasdaq Monday. Plus the $250,000 bug bounty fight, AI guardrails and pen testing, Bitcoin, Ether and Solana ETF outflows, and in the back half: James Carville's meltdown, Bessent's letter to Elizabeth Warren, Europe's migration and military service push, and the UK digital ID fight. Watch the show: https://youtube.com/live/aiPbhQtB4eY Show notes: https://onthechain.io/podcast/they-almost-printed-trillions-of-xrp/

Ripple is now collecting fees from Wall Street’s leveraged-ETF business, and Jeff and Chip spend the morning on the question every holder is asking: when Ripple gets paid, where does that leave XRP? Their answer: Ripple’s revenue belongs to Ripple, and XRP holders benefit indirectly, through more builders and more activity on the XRP Ledger. Ripple Prime on Wall Street: The Wall Street Journal reports Ripple Prime is financing leveraged ETFs through swap deals, a category of 593 U.S. funds holding more than $256 billion, and it just signed hedge fund Brevan Howard for prime brokerage, clearing and financing. Company vs. asset: Jeff argues Ripple’s job is Ripple’s profitability, and banks will reach for RLUSD before a volatile asset. Chip says XRP’s role is liquidity, and that ETFs are what move the price. Evernorth: XRPN is expected to start trading on Nasdaq Monday with about 473 million XRP. There is no pre-sale, no airdrop and no early-access link. Batch is live on the XRP Ledger: up to 8 transactions can settle as one, which opens the door to delivery-versus-payment and OTC trades without an escrow agent. Ripple’s other moves: Ripple Custody 1.43 adds Canton Network support, Jack McDonald explains the Notabene investment, and Chip lays out why Ripple has no reason to go public. Also in the back half: a hardware-wallet supply-chain warning (buy direct from the maker), the H-1B visa fight and India’s IT outsourcers, the Michigan Senate debate between Mike Rogers and Abdul El-Sayed, and Marco Rubio on sanctioning the International Criminal Court.

XRP is being sold at the worst possible time: three red days in a row, in the same stretch that a $35 billion hedge fund signed with Ripple Prime, Paxos switched on XRP trading, and Ripple's president put a $30 billion target on the XRP Ledger. Here is what the sellers missed. Brevan Howard picks Ripple Prime for multi-asset prime brokerage, clearing and financing. Monica Long's 2027 targets at XRP Seoul: $30 billion in tokenized real-world assets on the XRP Ledger (about $6 billion today) and 100 million+ AI agent transactions. Spot XRP ETFs hold about $1.7 billion but took in about $4 million last week. Evernorth's Nasdaq debut (XRPN, about 473 million XRP) moves to October 12. Also tonight: AI agents on the XRP Ledger with t54, Coinbase and Citi on stablecoins, Grape's XRP Man game, iTrustCapital's Q, a live reaction to Founders episode 3, Rubio in Athens, CNN's new owners, Quebec's separatist win, Canada's assisted-dying law, France's school protests, and the UK's arrests over online posts.

Wall Street, Korean banks and AI agents are all reaching for XRP at the same time, and there is only so much of it. Evernorth is expected to hit the Nasdaq on October 8 (ticker XRPN) with about 473 million XRP, and that's the small number: US spot XRP ETFs already hold 1.19 billion XRP. Four Korean financial institutions took the stage at XRP Seoul in front of 5,000+ people, XRPL validators are voting on the LendingProtocolV1_1 amendment, and the XRP Ledger passed 10 million x402 AI agent payments. Also today: XRP Asia launches, Ripple's RLUSD insurance pilot in Uganda, RLUSD ranks #2 in Q3 stablecoin growth, Ripple Swell in New York, the federal noncitizen voting ruling, Trump's Oklahoma rally, the school riots in France, and Canada's trade fight. 🔴 LIVE every Sunday 8 PM ET · Wednesday 8 PM ET · Saturday 8 AM ET ⏱ CHAPTERS 00:00 Cold open (full chapters added after the show) ☕ SUPPORT Badassery Coffee https://badasserycoffee.com OTC Mint https://otc.one/mint OTC Merch https://onthechain.shop Support On The Chain on Ko-fi https://ko-fi.com/onthechain 🔗 ON THE CHAIN Website https://onthechain.io Subscribe https://onthechain.io/subscribe/ X https://x.com/On_The_Chain Jeff https://x.com/Jeff_OnTheChain Chip https://x.com/stephenchip ⚠️ DISCLAIMER The information contained in this video is for informational and entertainment purposes only and should not be considered financial, investment, legal, or tax advice. The opinions expressed are those of the hosts and guests and do not necessarily reflect the views of On The Chain. Always do your own research and consult with a qualified professional before making financial decisions. #XRP #XRPL #Ripple #Evernorth #Crypto

Big money is coming for XRP. The XRP Ledger added $2.4 billion in tokenized real-world assets this year, one of the top three chains for RWA growth. US spot XRP ETFs added 34 million XRP this week and now hold 1.16 billion XRP. And on October 5, XRPL's Permission Delegation upgrade is scheduled to go live, letting an XRP account hand specific permissions to another account (including one run by an AI agent) without ever sharing its keys. Also on this episode: FXRP turns one on Flare, Brian Armstrong on AI agents as the new API users, the CLARITY Act fallout, the 49-50 Senate vote on the Iran war, the arrests near RAF Fairford, and Iran's 74-lash sentence for a singer. LIVE every Sunday 8 PM ET, Wednesday 8 PM ET, Saturday 8 AM ET on YouTube: https://www.youtube.com/@OnTheChainLIVE Badassery Coffee: https://badasserycoffee.com OTC Merch: https://onthechain.shop Support On The Chain: https://ko-fi.com/onthechain Website: https://onthechain.io X: https://x.com/On_The_Chain | Jeff https://x.com/Jeff_OnTheChain | Chip https://x.com/stephenchip The information in this episode is for informational and entertainment purposes only and is not financial, investment, legal, or tax advice. Always do your own research.

On October 5, XRP goes to war, and the weapon isn't a price pump. It's a key. The XRP Ledger's Permission Delegation upgrade has entered its 14-day activation countdown and could go live October 5 if validator support holds. Master keys stay locked in the vault. Delegates get a badge instead: up to ten specific permissions, and never the keys. Jeff and Chip break down why that's the feature compliance departments, stablecoin issuers and AI agents have been waiting for, while XRP sits at $1.50 and everybody else stares at red candles. Also on the show: Amazon Web Services joins the XRP Ledger Hackathon with Amazon Bedrock AgentCore; the XRPL AI Starter Kit adds the Open Wallet Standard, MPP from Tempo and Stripe, and x402; Evernorth teams up with The Bear Champ; RLUSD and the APAC stablecoin map; BlackRock's "tokens" chart; the ECB's digital euro pilot; the FOUNDERS sitcom parody; and in the back half, Trump vs. Biden at the UN, Milei, Rubio and Cuba, the Denmark–Greenland deal, and Around the World. Watch the show: https://www.youtube.com/watch?v=tSjeFZVOI0s Show notes and links: https://onthechain.io/podcast/xrp-goes-to-war-on-october-5/ ☕ Badassery Coffee: https://badasserycoffee.com | OTC Merch: https://onthechain.shop | Support On The Chain: https://ko-fi.com/onthechain X: @On_The_Chain | Jeff: @Jeff_OnTheChain | Chip: @stephenchip The information in this episode is for informational and entertainment purposes only and should not be considered financial, investment, legal, or tax advice. Always do your own research.

XRP spot ETFs now hold 1.13 billion XRP and $1.46 billion in assets, after another 6.3 million XRP of inflows this week and 645.3 million XRP walking off exchanges. Every part of the bullish mechanism fired at once, and XRP sat at $1.43. Jeff walks the Week 38 supply report line by line, and Chip puts beside it the number nobody else quotes: the ETFs and index funds hold 1.129% of total supply, while exchange wallets hold roughly 21%. The ETF bid is real. It is not yet large enough to see. Also in this episode: the Fed's unanimous 12-0 hike to 3.75%-4.00% and why XRP didn't blink; where all 100 billion XRP actually lives; Ripple Treasury and the trapped-cash problem; XRP and RLUSD landing in Stripe and Tempo's AI payments kit; Stuart Alderoty on why politics beat policy on CLARITY; wallet security and the dead-phone cold storage protocol; and the Greenland agreement that Trump calls permanent American control while Denmark's own statement calls sovereignty preserved. Full show notes, every article we covered, and the video: https://onthechain.io SUPPORT ON THE CHAIN Badassery Coffee https://badasserycoffee.com Mint a Badass Yeti https://otc.one/mint OTC Merch https://otc.one/shop Subscribe https://onthechain.io/subscribe/ Buy Us a Coffee https://buymeacoffee.com/onthechain FOLLOW On The Chain https://x.com/On_The_Chain Jeff https://x.com/Jeff_OnTheChain Chip https://x.com/stephenchip DISCLAIMER - The information discussed on On The Chain is for educational and entertainment purposes only and should not be considered financial, investment, or legal advice. Jeff, Chip, and their guests may hold digital assets discussed during the show. Always do your own research and consult a qualified financial advisor before making any investment decisions.

Democrats blocked the CLARITY Act, leaving the United States without the digital asset framework the crypto industry spent years fighting to secure. Now, some of the senators responsible cannot clearly explain why they voted against it. But XRP isn't waiting for Washington. While Congress fails to deliver clarity, XRP and RLUSD are moving deeper into the infrastructure being built for AI-powered commerce, open wallets and machine payments. We break down who stopped the CLARITY Act, what happens next and why the financial system continues building around XRP. We also cover Ripple Swell 2026, the XRPL AI Starter Kit, the critical D'CENT security warning and the growing battle over AI. SHOW NOTES AND EVERY LINK WE DISCUSS https://onthechain.io/podcast/democrats-blocked-clarity-act-xrp-wont-wait/ TIMESTAMPS 0:00 Cold Open - They Blocked Clarity, And We Called It 1:21 Welcome to On The Chain 2:38 Ripple Swell 2026 - The Full Agenda Goes Live 10:18 XRPL Joins The Open Wallet Standard - Tempo And Stripe 11:52 Another Wallet Warning - D'CENT And What We Still Don't Know 14:27 So Much For The Clarity Act 16:45 Garlinghouse: "This One Stings" 21:29 Nobody Knows The Democrats Better Than Ripple 25:44 Michael Bennett Votes Against The Bill He Asked For 29:03 Senator Hirono Has Nothing To Say 31:38 Tom Tillis And The Motion To Reconsider 34:31 Dick Durbin: The Bubble And Social Security 39:04 Josh Hawley, Small-Town Banks And The Farmers 41:35 The Chat Weighs In - Iran, Turkey And The Real Enemy 49:48 AI Safety Is The New Climate Change 51:04 Anthropic, OpenAI And The Effective Altruism Crowd 54:33 Why American Builders Reach For Chinese Models 55:42 JD Vance On Frankenstein 1:04:27 Andrew Ng On Fear-Mongering And Regulatory Capture 1:08:21 Every Democrat Is Doing An Obama Impression 1:11:21 Around The World - Time Magazine, Canada And The EU 1:15:54 Mitch McConnell And The Wheelchair Videos 1:18:49 Sign-Off SUPPORT ON THE CHAIN Website https://onthechain.io Badassery Coffee https://badasserycoffee.com OTC Mint https://otc.one/mint OTC Merch https://onthechain.shop FOLLOW ON THE CHAIN ON X On The Chain https://x.com/On_The_Chain Jeff https://x.com/Jeff_OnTheChain Chip https://x.com/stephenchip DISCLAIMER This content is for informational and entertainment purposes only. Nothing discussed on this show constitutes financial, investment, legal, accounting, or tax advice. Jeff, Chip, On The Chain, and any guests appearing on the show are not financial advisors. Always conduct your own research and consult a qualified professional before making financial decisions. Digital assets are highly volatile and involve substantial risk. Past performance does not guarantee future results.

Something much bigger is being built around XRP, and the pieces are getting harder to ignore. RLUSD is expanding its liquidity and distribution through Spark’s Stablecoin FX Layer. At the same time, the XRP Ledger Foundation is talking openly about writing TradFi primitives directly into the XRPL, including lending, infrastructure and agentic payments. Flare is experimenting with new ways to generate XRP rewards. Canton continues advancing institutional settlement infrastructure. And while all of this is happening, another XRPL project bites the dust. Then Washington enters a critical week for crypto as the CLARITY Act heads toward a major Senate vote. And we’re going around the world: Trump in Ireland, the growing conversation around a reunited Ireland, Scotland, Wales and Northern Ireland challenging the future of the UK, Putin warning about Europe and Russia, and Trump declaring that whoever wins the AI race wins. The financial system is changing. The infrastructure is being built. And XRP keeps showing up in places that matter. At some point you have to ask: What are they building... and why does XRP keep ending up in the middle of it? 🔥 SUPPORT ON THE CHAIN ☕ Badassery Coffee https://badasserycoffee.com 🧊 Mint a Badass Yeti https://otc.one/mint 👕 OTC Merch https://otc.one/shop 📧 Subscribe To OTC https://onthechain.io/subscribe/ ☕ Support OTC on Ko-fi https://ko-fi.com/onthechain 🌐 On The Chain https://onthechain.io 🐦 FOLLOW US ON X On The Chain https://x.com/On_The_Chain Jeff https://x.com/Jeff_OnTheChain Chip https://x.com/stephenchip #XRP #Ripple #XRPL #RLUSD #Crypto #Cryptocurrency #XRPNews #CryptoNews #Blockchain #OnTheChain

XRP may be becoming the key to something much bigger than payments. Ripple is challenging the idea that every regulated stablecoin is created equal. A money transmitter license, state trust charter, and federal prudential supervision each carry different reserve requirements, verification standards, and consequences if an issuer fails. As stablecoins become part of the financial system, the level of regulatory oversight behind them could determine which assets institutions are willing to trust. Clearpool is also expanding to the XRP Ledger, bringing institutional-ready credit and lending infrastructure directly to XRPL. The proposal includes migrating from CPOOL to CLEAR and recapitalizing the treasury to fund incentives, adoption, and the platform’s next phase of growth. Institutional credit remains largely untapped on XRPL, but Clearpool believes the opportunity is massive. At the same time, RippleX is working with Common Prefix to formally verify the XRP Ledger. This effort goes directly to the reliability and security institutions require before moving serious financial activity onchain. We are also looking at the XRPL validation stream, where UNL validators vote on the same ledger hash until consensus is reached and the ledger sequence advances. Ripple Treasury is pushing even deeper into the Office of the CFO with GSmart and what Ripple describes as Treasury-Native AI. Instead of placing AI beside treasury operations, Ripple is embedding intelligence directly into existing financial policies, data, workflows, and deterministic financial logic while keeping people responsible for the final decisions. Solana is also developing confidential transfers and batch functionality, reinforcing the institutional demand for privacy, scale, and controlled financial operations on public blockchain infrastructure. Tonight, Chip and Jeff connect all of it. Regulated stablecoins. Institutional credit. Formal verification. Treasury-native AI. Confidential transfers. Batch transactions. These are not isolated developments. They are pieces of the financial infrastructure being built for the next era of money. Please like, subscribe, and click the bell to be notified when the next video drops. 🔥 SUPPORT ON THE CHAIN ☕ Badassery Coffee https://badasserycoffee.com 🧊 Mint a Badass Yeti https://otc.one/mint 👕 OTC Merch https://otc.one/shop 🔔 Subscribe to On The Chain https://onthechain.io/subscribe/ ☕ Buy Us a Coffee https://buymeacoffee.com/onthechain FOLLOW ON THE CHAIN 🌐 Website https://onthechain.io 𝕏 On The Chain https://x.com/On_The_Chain 𝕏 Jeff https://x.com/Jeff_OnTheChain 𝕏 Chip https://x.com/stephenchip This is Badassery. Creators of Badassery, Badass Yetis, Badassery Coffee and On The Chain. #XRP #Ripple #XRPL #Stablecoins #InstitutionalFinance #DeFi #AI #Treasury #Blockchain #DigitalAssets #OnTheChain ⚠️ DISCLAIMER The information discussed on On The Chain is for educational and entertainment purposes only and should not be considered financial, investment, or legal advice. Jeff, Chip, and their guests may hold digital assets discussed during the show. Always do your own research and consult a qualified financial advisor before making any investment decisions. Views expressed are solely those of the hosts and their guests.

The fight over XRP just started! Please like, subscribe, and click the bell to be notified when the next video drops. 🔥 SUPPORT ON THE CHAIN ☕ Badassery Coffee https://badasserycoffee.com 🧊 Mint a Badass Yeti https://otc.one/mint 👕 OTC Merch https://otc.one/shop 🔔 Subscribe to On The Chain https://onthechain.io/subscribe/ ☕ Buy Us a Coffee https://buymeacoffee.com/onthechain FOLLOW ON THE CHAIN 🌐 Website https://onthechain.io 𝕏 On The Chain https://x.com/On_The_Chain 𝕏 Jeff https://x.com/Jeff_OnTheChain 𝕏 Chip https://x.com/stephenchip This is Badassery. Creators of On The Chain, Badass Yetis and Badassery Coffee. #XRP #Ripple #XRPL #RLUSD #Crypto #BIS #AI #Blockchain #DigitalAssets #OnTheChain ⚠️ DISCLAIMER – The information discussed on On The Chain is for educational and entertainment purposes only and should not be considered financial, investment, or legal advice. Jeff, Chip, and their guests may hold digital assets discussed during the show. Always do your own research and consult a qualified financial advisor before making any investment decisions. Views expressed are solely those of the hosts and their guests.