🅾️🅾️🅾️ START. THE LOUDEST INVESTIGATION ABOUT ISO 20022 BEGINS ⚠️⚠️⚠️
⚠️ Disclaimer: this is analytical material. It is not financial advice. Based on open SWIFT/ISO 20022 data and my personal analysis.
Everyone is discussing cards, CBDC, digital codes, banks, future restrictions… But almost no one understands what has already been quietly integrated into the new global banking standard ISO 20022.
🔻 Trading volumes and the total market capitalization of meme coins are rapidly declining - the market is entering a downturn phase.
🐶 Dogecoin (DOGE) holds over 50% of the sector's capitalization, but even its leadership does not change the overall downward trend.
🧨 Many meme projects have lost liquidity, and a significant portion of them will disappear from the market in the near future. Hype has a limited lifespan.
⚠️ Meme coins remain extremely risky assets: high volatility and lack of fundamental value make them dependent on crowd sentiments.
📌 The market increasingly shows: long-term potential lies with projects that have real technology and utility - not with coins created for a joke.
🌐 THE INTERNET HAS "FALLEN" AGAIN. WHY AND WHY IS THIS IMPORTANT?
Today Cloudflare experienced a massive outage: due to an update in the internal firewall settings, many websites and services - from cryptocurrency exchanges to messengers - were temporarily unavailable. 🔒 Who was affected Cryptocurrency exchanges: Coinbase, Kraken - users could not log in, trade, or withdraw funds. DeFi and blockchain services, frontend interfaces of many platforms - also went offline. Popular online platforms, games, and applications - dozens of websites around the world went down simultaneously. ⚠️ What does this mean It shows how much the vast world of Web3 depends on the "invisible" Web2. One failure - and everything "breaks" Even global exchanges and services - are not a guarantee of reliability. If the infrastructure fails - we all suffer. Emphasizes: centralized infrastructure remains a weak link, even if the platforms are decentralized. 💡 What is important to understand It doesn't matter how "decentralized" the project is - if it depends on one CDN or one provider - it is vulnerable. Today it's Cloudflare - tomorrow it could be someone else. Without backups and fault tolerance, even top services can go "offline". If you are working with crypto, dApp, API - think about how to reduce dependence on a single provider.
❓🇺🇸❓ THE U.S. BOUGHT BACK ITS DEBT FOR $12 billion. WHY? AND WHY did this alarm everyone?
Recently, the U.S. Treasury conducted the largest buyback of its own bonds in history - over $12 billion of debt was removed from circulation. This is not a coincidence or a whim. It is a signal.
🔍 What is happening
The government is buying back previously issued bonds and redeeming them. Formally, the debt "decreases", but in fact - it is a complex financial maneuver.
institutional investors are betting on XRP and Solana Investors are changing their strategy again. While funds for Bitcoin and Ethereum faced outflows, interest is shifting towards altcoins - Solana and XRP
Where the money is going The ETF on SOL recorded a recent inflow of ~$4.6 million - and since its launch, it has already accumulated ~$623 million The ETF on XRP received ~$12.8 million in a single day, with a total investment volume since launch of about $887 million
Outflows from BTC and ETH The Bitcoin ETF lost ~$194.6 million in one day, but the amount in assets still remains impressive - around $57+ billion Ethereum funds recorded an outflow of ~$41.6 million
What this means It seems that large investors are looking for a new "growth point" - SOL and XRP may have more potential against the backdrop of BTC/ETH correction New ETFs on altcoins and infrastructure tokens are being launched - this expands access to investments and simplifies diversification Despite the outflows, BTC and ETH remain the backbone of the crypto market - but interest in other assets is growing
Conclusion: The year 2025, when the focus of institutional and retail investors gradually shifts from "traditional" cryptocurrencies - Bitcoin and Ethereum - to altcoins like Solana and XRP. This may be the beginning of a new wave of recognition and growth for lesser-known tokens
Funds based on $XRP have recorded capital inflows of over $845,000,000 in just the first weeks of operation - surpassing Ethereum and Solana in the pace of institutional entry.
💥 WHAT DOES THIS MEAN -Money is ALREADY coming in not from retail - but from funds, banks, and major players. -XRP is becoming an infrastructure asset, not just a coin. -Institutionals are not studying memes - they are buying the future of settlements.
📌 WHY THIS IS IMPORTANT ETF - is a bridge between crypto and traditional finance. When nearly $1 billion enters the bridge - this is not hype. This is the beginning of a new financial architecture.
🔥 WHO UNDERSTANDS WILL BE ABLE TO ACT While the majority argues 'will it rise or not', capital votes with its wallet.
XRP has already entered the zone where decisions are made not by bloggers, but by the markets.
XRP - record transaction speed! The XRP Ledger network recorded a powerful surge in activity: velocity jumped to 0.0324 - the highest figure for the entire 2025 year according to CryptoQuant.
📈 What does this mean? Transaction speed (velocity) is an indicator of how actively the token is used within the network. The higher the value, the faster the coins change hands.
And now the main point ⤵️
💡 Such a surge almost always signals two things:
1️⃣ High liquidity. XRP is not lying idle - it is actively bought, sold, and used in transactions.
2️⃣ Movement of large players. Such anomalies rarely occur without the involvement of whales or institutions. Someone is strategically moving volumes, and these are not retail traders.
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📌 Why is it important to monitor this now?
high transaction speed = preparation for a major event;
such peaks have previously preceded price increases;
the XRP network is becoming an increasingly demanded infrastructure element of the new financial system.
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🟣 The question is not "if"... the question is "when?" When the foundation of liquidity becomes this solid, the market later catches up with reality.
⚠️⚠️⚠️⚠️Crowd behavior is once again perfectly describing the price of Bitcoin
According to social media - X, Reddit, Telegram, 4Chan, BitcoinTalk, and Farcaster - huge swings from greed to fear completely mirror Bitcoin's movements.
🔴 Red circles - days when there are abnormally many bullish comments about Bitcoin. This is the greed zone. 🟢 Green - when bearish comments sharply dominate. This is the fear zone.
And the most interesting part. When the crowd goes into fear, Bitcoin almost always shows a rebound. Conversely - spikes of greed perfectly coincide with local peaks.
Now retail is once again switching to greed mode. The rise has done its job. But if the rally quickly exhausts itself, emotions can evaporate just as quickly.
Ripple IS PREPARING THE FOUNDATION FOR A $16 TRILLION ECONOMY
To unlock the potential of tokenized assets, merely holding crypto is no longer sufficient. Banking-level infrastructure is needed - and Ripple understands this.
🔐 Ripple Custody combines:
• HSM modules with FIPS certification - key protection like in central banks • Architecture validated by cryptography and stress tests • SOC 2 Type II and ISO 27001 certifications - access to the global financial system • Speed and security without compromise
💬 "In digital assets, security in Russia is not a feature, but the foundation of trust. The stakes are too high to settle for less," - Akshay Vattal, Head of Security, Ripple.
📍 Why This Matters
📌 Tokenization is a key driver of the new financial order 📌 Market forecast - up to $16 trillion in the coming years 📌 Banks and funds will not enter the market without a custody solution at Ripple's level 📌 XRP is the liquidity transport layer for these processes
🟢 Conclusion
Ripple is not building a 'wallet'. Ripple is building a digital vault for global assets.
The infrastructure is ready. Institutionals are coming in. Tokenization has already begun.
The question now is only one: are you in or watching from the sidelines?
Details on Strategy are taken from their official reports and mNAV metrics, this is not my fantasy. If you have corrections to the data - I would be happy to hear specifics, not emotions. If you provide a fact in the comment - we will discuss it. If it's just emotions - thank you for the traffic and engagement 😉
Shari Modi aUGs
--
Post of an idiot for idiots🤦🏻. First study the topic, then write about Strategy.
$XRP 🌊🔥AVATAR is no longer just a movie - it’s a textbook of the era. In 2022, we are shown "The Way of Water" - the death of the old world through acceptance, dissolution, and return to the source. This is the water phoenix: calm, deep, inevitable. In December 2025, "Fire and Ash" will be released. Now the phoenix is no longer hidden. Fire is not chaos, but fiery rebirth. To be born anew, the old world must burn. Ash is not the end, but the beginning of code. James Cameron is not making a movie. He is creating modern mythology from five elements, where each part is a stage of global transformation of humanity. And this is not the only message embedded in mass culture. Water and fire are archetypes of systems: Water - a network of liquidity, transparency, bridges. This is Ripple/XRP. Fire - impulse, launch, distribution of sparks. This is Stellar/XLM. The two X's in the two names are not a coincidence. Two X's that must be together to gain immense power and form the Phoenix, XRP and XLM. When XRP and XLM unite, they are not competitors - they are two elements of one phoenix. And only together do they provide the energy that screenwriters, directors, and corporations hint at: water carries code - fire launches the process. The phoenix is not a bird. It is a new financial architecture.
The real asset market in blockchain (RWA) is heating up to its peak: capital is flowing in quickly, and leaders are starting to change for the first time
📊 Fresh data for December 2025
BlackRock BUIDL over 30 days: -18% TVL now: $2.32 billion
And this against the backdrop of the entire RWA sector already surpassing $35+ billion and continuing to grow
BUIDL was the "undisputed king" of RWA, but now it looks vulnerable for the first time:
-yield on treasuries is declining -competitors are becoming multi-chain -gold as a tokenized asset is back in fashion -Ondo, Circle, and a whole slew of new players are biting off a share
BlackRock is still #1, but for the first time in a year and a half, its dominance is declining
Why is this important?
RWA is not a hype word, but the foundation of a new financial cycle:
real assets → into tokens trillions of dollars → onto chains institutions → already here
Whoever takes liquidity in this sector will become the new center of digital markets.
Will BUIDL bounce back, or are we witnessing a change of eras? Place your bets:
BUIDL/ONDO/Ethena/gold - who will become the new king of RWA?
$XRP 🚨 EMERGENCY WHALE ALERT: a major play is starting in the Ethereum market
A wallet with a balance of $10+ billion (the same one that made ~$200 million on the short during the crash on October 10) just executed a strategic maneuver with $ETH
What happened in the last few hours:
- Unstaked 119,280 ETH → equivalent to ~$361M
- Collateralized the entire volume in Aave (V3) → increased the credit leverage
- Withdrew $160M in USDT as collateral
- Instantly sent all USDT to Binance
This is not just a transfer of funds - it's a signal of a market phase change
Whale:
✔️ is not selling ETH, which means - does not consider the current price a peak ✔️ is freeing up liquidity to be ready for a major move ✔️ is accumulating firepower in stablecoins on CEX (Binance)
Such a maneuver is usually made by someone who:
is waiting for volatility is ready for aggressive actions does not want to lose position in ETH but wants cash right now
Possible scenarios
1. Buying the dip - the whale is waiting for a deep drop to average down 2. Futures attack - liquidity is needed for a major derivative move 3. Rotation - possible capital shift to other networks/assets
When such a player moves $361M in ether and $160M in stablecoins, it is not a coincidence. He has proven he can move the market with the flick of a finger
🔴🔐🔴 NOW: Ripple HAS BLOCKED 500,000,000 XRP (worth over 1 billion dollars) in the company's deposit. This is not a liquidity withdrawal from the market - it is a reverse movement. The coins have effectively been removed from circulation.
📉 What this means:
The free volume of XRP is decreasing
Selling pressure is decreasing
Deficit is increasing
Ripple is preparing liquidity for large settlement systems
📌 At the moment when demand from banks and ISO 20022 systems is growing, the reduction in XRP supply is a strategic trigger. These are not just numbers - this is an element of the future price spike.
The supply is shrinking. The system is launching. The game becomes irreversible.
🔴🔐🔴 Ripple UNLOCKED 1 billion XRP. WHY THIS EVENT IS A MARKER OF FUTURE GROWTH?
Today, Ripple conducted two large operations from escrow accounts - 500 million XRP each. A total of 1 BILLION tokens passed through the escrow system. It took only a few minutes for everything.
Many people believe that unlocking is negative. Historically, this was true for ordinary projects. But XRP is not an ordinary asset, and what Ripple has been doing in recent years is subtle financial engineering aimed at a global transition to a new settlement model.
🔗🌐🔗 "WE ARE FREE PEOPLE. THE NEW FINANCIAL ORDER WILL TELL US WHAT TO WANT AND WHAT TO OWN"
We continue to live with a sense of freedom, but the rules are already being rewritten without our participation. "Financial order" is not about money. It's about access to managing human behavior. It is being formed right now and includes:
◾ISO-20022 - a new language of global payments ◾CBDC - central bank digital currencies ◾Tokenization of property - assets that can be disabled ◾Abolition of transaction privacy - every payment leaves a trace ◾Digital identification - a key without which there is no access to the system
In the old world, money was a medium of exchange. In the new one - a tool of control. The financial order does not ask if you are ready. It simply changes the rules - and calls it convenience.
🌐💫🌐 WHY XRP MUST BE VALUABLE - and this is not an opinion, but mathematics
The global financial system processes more than $7.5 trillion dollars daily. Source? SWIFT, report for 2025.
Now pay attention:
If at least 5-10% of these flows go through XRP as a bridge asset - that's $375-750 billion a day.
❌ NO token with a low price can handle such volumes of liquidity.
For an asset to transfer value between banks, funds, and CBDCs, it must have:
✔ a high price per unit ✔ low volatility ✔ instant liquidity
This is not a wish of holders. This is an architectural necessity.
> The more global liquidity flows through the network - the higher the unit price of the asset must be to avoid overloading the supply.
If XRP costs, for example, $10 - to cover the flows, 75 billion tokens of circulation are needed per day. If it costs $500 - only 1.5 billion tokens are needed.
📌 Conclusion: The rise in the price of XRP is not speculation. It is a mechanism for scaling a new financial order.
When an asset is at the core of settlements, an expensive token = stable liquidity.
🚨 CRASH OF BITCOIN WHALE? Strategy STARTS TO BURN!
❗ Company Strategy - the largest corporate holder of Bitcoin - has officially acknowledged: the sale of BTC is no longer a theory. This is a PROGRAM, and the conditions are already coming.
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💣 TWO TRIGGERS AFTER WHICH THE DUMP WILL START
🟥 1. mNAV < 1 If the company's value drops below the value of its Bitcoins - Strategy will be forced to SELL BTC to avoid collapsing.
➡️ Last month, the indicator already fell below 1. Now it hovers around 1.2 - on a razor's edge.
🟥 2. NO access to capital The company can no longer attract funds to continue buying BTC. That is, the buying machine has stopped. The next step is obvious.
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🧨 RESULT
📉 If mNAV drops again - the sale of Bitcoins begins. Not the whole batch at once - they will sell slowly to avoid crashing the market in a single day.
But the fact remains:
> The main institutional bull of Bitcoin has publicly acknowledged for the first time that it is ready to sell BTC.
This is no longer FUD - this is a survival strategy.
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🕯 Why is this dangerous?
Strategy - a symbol of the "Bitcoin church"
Their sales break the narrative "BTC only goes up"
Portfolio scale → every step they take moves the market
If they start selling - it’s a new era for the BTC chart.