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In crypto, the most powerful shifts rarely announce themselves with price spikes. They emerge through regulation, infrastructure, and the people capable of translating law into functional markets. As the United States moves closer to defining its long-awaited digital asset framework, one personnel move is drawing growing attention for its potential to reshape how capital enters and moves through crypto—particularly XRP.That move centers on Caroline Pham. A High-Impact Transition at a Critical Moment As highlighted by X Finance Bull, Caroline Pham, former Acting Chair of the U.S. Commodity Futures Trading Commission, has joined MoonPay as Chief Legal Officer. The timing is significant. 🚨WHAT @CarolineDPham DOES NEXT COULD SHIFT $XRP AND CRYPTO FLOWS FOREVER 🚨 She helped save hundreds of millions in compliance costs. Now she’s in the driver’s seat of a platform @moonpay that moves $XRP and $RLUSD Repost if you trust her move 👇pic.twitter.com/IQcGGY8xaE — X Finance Bull (@Xfinancebull) December 25, 2025 Pham spent years inside the regulatory engine, most notably leading efforts to unwind layers of duplicative and costly rules left behind by early Dodd-Frank implementation. She has publicly estimated that these reforms saved market participants hundreds of millions of dollars in compliance costs. Her transition from regulator to infrastructure executive places that hard-earned expertise directly inside one of crypto’s most important access points. MoonPay’s Expanding Role in XRP and Stablecoins MoonPay is not a passive player in the digital asset ecosystem. As a leading fiat-to-crypto on-ramp, it enables direct access to assets like XRP and Ripple’s RLUSD stablecoin, which launched in December 2024. On-ramps increasingly define market behavior, especially as institutions demand compliant, low-friction entry into digital assets. With Pham guiding legal and regulatory strategy, MoonPay is positioned to anticipate regulatory expectations rather than react to them. That matters as capital flows become more selective and compliance-driven. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Market Structure, Rulemaking, and the 2026 Window In a video clip shared by X Finance Bull, Pham addressed the urgency surrounding U.S. market structure legislation, noting that 2026 is a decisive period. She emphasized that while Congress passes laws, agencies ultimately shape markets through rulemaking. Drawing from her experience at the CFTC, Pham warned that poorly designed rules can take decades to correct. She also stressed the importance of technical expertise within regulatory bodies, pointing out that writing durable rules requires hands-on legal precision, not political shortcuts. Her perspective reflects why implementation—not just legislation—will determine whether crypto innovation accelerates or stalls. Why XRP Is Uniquely Positioned XRP has long been designed for regulated financial environments, prioritizing liquidity efficiency and cross-border settlement. As regulatory clarity improves and compliant access points strengthen, assets aligned with institutional workflows stand to benefit disproportionately. Pham’s role at MoonPay does not guarantee policy outcomes, but it meaningfully improves the alignment between regulation and infrastructure—precisely where XRP operates best. A Structural Shift, Not a Headline Moment This development is not about short-term speculation. It is about financial plumbing. When regulatory architects move into transaction infrastructure, capital flows adjust quietly before transforming markets at scale. If executed well, this convergence could redefine how XRP—and crypto more broadly—moves through the global financial system for years to come. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter, Facebook, Telegram, and Google News

At a moment when market sentiment around XRP appears increasingly fragile, a recent commentary from BullRunners founder Nick Anderson presents a sharply different perspective. Rather than focusing on short-term price weakness, Anderson points to a series of institutional developments that, in his view, suggest strategic accumulation is underway. At the same time, retail investors remain focused on losses. Anderson notes that XRP has declined significantly from recent highs, trading below the two-dollar level after being near $3.65 only months ago. He describes rising fear across social platforms and private messages, with many holders questioning whether to exit their positions. Against this backdrop, he argues that major financial players are moving in the opposite direction. Ripple #XRP WARNING! Why Smart Money is Scaling NOW Breaking Crypto News? pic.twitter.com/WARf7rHPou — BULLRUNNERS (@BullrunnersHQ) December 23, 2025 XRP ETFs Pass a Major Milestone Central to his analysis is the rapid growth of XRP exchange-traded funds. According to Anderson, XRP-focused ETFs have surpassed one billion dollars in total assets under management. Products launched by firms such as Grayscale, Bitwise, Franklin Templeton, and Canary Capital are reportedly reaching this level faster than any other digital asset ETF, except Bitcoin and Ethereum. He emphasizes that these funds are physically backed, meaning real XRP must be purchased to support new shares. Despite declining prices, Anderson reports that institutions continue to buy millions of dollars’ worth of XRP daily. He adds that further momentum is expected, with additional issuers, including 21Shares, receiving approval to bring new XRP ETF products to market. For him, the combination of falling prices and steady inflows points to long-term positioning rather than short-term speculation. Exchange Supply Tightens as Buying Continues Another data point highlighted is the reduction of XRP held on exchanges. Anderson states that more than one billion XRP have been left on trading platforms over the past two months. In his assessment, this trend suggests decreasing available supply at the same time ETFs require continuous purchases to back new shares. He contrasts this activity with what he describes as retail panic selling, arguing that professional fund managers and large institutions are accumulating while individual investors react emotionally to price movements. The imbalance between shrinking exchange supply and rising institutional demand, he says, creates conditions that often precede market recoveries. Banks pen the Door to Broader Access Anderson also points to regulatory developments in the United States. He explains that the Office of the Comptroller of the Currency has cleared national banks to facilitate XRP transactions for customers as riskless principal trades. This would allow major banks to offer XRP buying and selling directly through standard banking apps, without holding the asset on their balance sheets. In his view, this approval could expose XRP to millions of users who are unlikely to engage with cryptocurrency exchanges. He argues that banks do not invest in such infrastructure without anticipating future demand, suggesting that institutional clients are already signaling interest. Ripple’s Strategy and Long-Term Positioning Turning to Ripple’s corporate actions, Anderson highlights the company’s application for a U.S. bank charter, which would grant access to the Federal Reserve system. He frames this as a step toward embedding XRP into regulated financial infrastructure rather than treating it purely as a speculative asset. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 He also references Ripple’s recent billion-dollar acquisitions, including firms focused on institutional trading and corporate payments, as well as the rollout of its RLUSD stablecoin. According to Anderson, while institutions may prefer stable instruments for balance sheet management, XRP remains essential as the bridge asset enabling cross-currency movement within this framework. Fear, Fundamentals, and Market Timing Anderson concludes that current conditions reflect a familiar pattern in financial markets. While sentiment remains pessimistic and price action weak, he believes the underlying fundamentals are strengthening through ETF growth, banking access, and Ripple’s expansion. He cautions that further downside or sideways movement is still possible in the near term, but maintains that periods of elevated fear often coincide with strategic accumulation by large players. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X, Facebook, Telegram, and Google News

The XRP ecosystem is once again navigating a moment where influence, interpretation, and technical accuracy collide. As XRP’s role in global payments, liquidity provisioning, and institutional blockchain infrastructure continues to expand, community discussions have grown more complex—and, at times, more contentious. In such an environment, clarity matters just as much as conviction, especially when widely shared content begins shaping market perception. Against this backdrop, Jesse of Apex Crypto Insights issued a public message addressing rising concerns sparked by a recently circulated video discussing XRP flows, utility, and ledger architecture. While reaffirming his respect for long-standing contributors within the community, Jesse made it clear that certain claims now gaining traction do not align with verified, current realities surrounding the XRP Ledger and Ripple’s enterprise ecosystem. 🚨 VERY IMPORTANT MESSAGE TO THE XRP COMMUNITY 🚨 Dear XRP Community,Regarding the recent video and post by Lewis Jackson on XRP's flow, utility, private ledgers, shared ledgers, and related topics, I want to address this directly. I have genuine respect for Lewis Jackson and… — Apex Crypto Insights (NFA) (@APEXCONSULTNFA) December 24, 2025 Context Behind the Controversy The discussion centers on interpretations of how XRP interacts with private ledgers, shared ledgers, and institutional systems. According to Jesse, several technical conclusions presented in the video are fundamentally flawed. He noted that within the first portion alone, multiple inaccuracies stood out—enough to warrant a direct response due to the confusion they were causing among XRP holders. This concern is not abstract. Jesse revealed that numerous community members reached out privately seeking reassurance and technical clarification, underscoring how quickly uncertainty can spread when complex infrastructure topics are oversimplified or mischaracterized. The XRPL Architecture and Utility Publicly documented information from Ripple and XRPL developers confirms that the XRP Ledger is a public, decentralized blockchain. Private ledgers used by financial institutions are separate systems designed for regulatory compliance and operational privacy. Interaction between these environments occurs through structured interoperability frameworks, not through undocumented or speculative XRP “flow” mechanisms. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Misrepresenting this distinction can distort expectations around liquidity movement, token utility, and institutional adoption—particularly at a time when Ripple’s infrastructure strategy includes regulated products such as RLUSD, which launched in December 2024 and is now fully operational. Addressing Misinformation and Platform Friction Jesse also disclosed that an earlier post outlining his concerns and promising detailed follow-ups was removed from the platform, prompting the release of a more direct public statement. Despite this setback, he stressed that there is no cause for alarm and advised the community to disregard the disputed claims until a full technical breakdown is presented. What Comes Next for the XRP Community To ensure transparency and accuracy, Jesse confirmed that a series of fact-based response videos will be released within the next four to eight days. Each will address specific errors using verifiable data and established XRPL documentation. For now, his message is one of reassurance: informed analysis, not reactionary fear, remains essential as XRP continues its evolution within global finance. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter, Facebook, Telegram, and Google News

As decentralized finance continues to mature, the focus is gradually shifting away from speculative yield toward structurally sound financial models that can survive market stress. On the XRP Ledger (XRPL), this challenge is even more pronounced. Designed for speed, determinism, and large-scale value transfer, XRPL was never built to mirror Ethereum-style DeFi. Instead, lending on XRPL is evolving along a more disciplined, risk-aware path—one that aligns closely with traditional financial principles. That framework was recently clarified by Vet, a respected XRPL validator and long-standing ecosystem contributor, who outlined how a lending protocol can function on XRP without compromising depositor safety or ledger integrity. His explanation offers a rare look into how yield generation on XRPL can be both sustainable and accountable. Vault-Based Deposits and Asset Structure The protocol begins with depositors placing XRP or XRPL-issued IOUs—such as Ripple’s RLUSD—into a vault. These assets remain transparently accounted for on the ledger, leveraging XRPL’s native support for trustlines and issued currencies. Lending Protocol on XRP 1. Depositor put XRP or IOU like RLUSD into a vault. 2. Loan Broker gives out one or multiple XRP loans out to Borrowers 3. Borrowers pay interest to Loan Broker 4. Loan Broker puts collected interest into vault 5. Vault value increases - Depositors… pic.twitter.com/DfYN4TObgx — Vet (@Vet_X0) December 23, 2025 Rather than interacting directly with borrowers, depositors gain exposure to yield through the collective vault, simplifying risk distribution and asset management. The Loan Broker as Intermediary A central feature of the design is the Loan Broker. This entity draws liquidity from the vault and issues one or multiple XRP-denominated loans to borrowers. Borrowers repay these loans over time with interest, which is collected by the broker. Crucially, the interest is not retained as profit alone; it is routed back into the vault, steadily increasing its value and generating yield for depositors. This intermediary-based structure mirrors conventional credit markets more closely than peer-to-peer DeFi, prioritizing credit assessment, borrower selection, and capital discipline. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Buffer Mechanism and Default Protection What truly distinguishes this model is how it handles default risk. Vet emphasized that the Loan Broker must provide a buffer—its own capital locked specifically to absorb losses. If a borrower defaults, losses are covered by this buffer first, shielding depositors from immediate harm. Only if defaults exceed the buffer would depositor funds be affected. This requirement forces the broker to maintain “skin in the game,” aligning incentives and discouraging reckless lending. It also addresses one of DeFi’s most persistent weaknesses: risk being socialized while profits remain private. Why This Model Fits XRPL’s Design Philosophy The lending structure Vet described works within XRPL’s architectural constraints rather than against them. It avoids complex on-ledger smart contracts, preserves XRPL’s performance guarantees, and leverages its strengths in settlement, transparency, and asset issuance. As the XRPL ecosystem expands—driven by stablecoins like RLUSD and broader institutional adoption—this approach demonstrates that DeFi on XRP is evolving with intention. Rather than chasing experimental yield, it is building financial infrastructure designed to last. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter, Facebook, Telegram, and Google News