ripple

Em 22 de outubro de 2026, a Arf (plataforma suíça regulada de liquidez e settlement) anunciou parceria estratégica com a Ripple para levar liquidez de settlement baseada em RLUSD ao XRP Ledger (XRPL). O foco é fornecer capital de giro de curta duração para empresas de pagamentos cross-border licenciadas.
Quem é a Arf
Empresa regulada na Suíça (membro da VQF, organização autorreguladora reconhecida pela FINMA para prevenção à lavagem de dinheiro).Sede em Zug.Especializada em PayFi (Payment Finance): fornece liquidez de curto prazo (tipicamente 1 a 5 dias) para empresas de remessas, cartões e pagamentos internacionais, permitindo que elas liquidem transações sem precisar pré-fundar contas em cada mercado de destino.
Escala reportada: cerca de US$ 10 bilhões anuais em volume de settlement, com capital girando aproximadamente 4 vezes por mês. Tem histórico de zero defaults em mais de 1.400 dias de operação (dados públicos da própria Arf).
Como funciona a parceria (fase 1)
Empresa de pagamento licenciada precisa de capital para liquidar um pagamento
cross-border enquanto espera os fundos chegarem.Arf fornece esse capital de giro em RLUSD (a stablecoin em dólar da Ripple)
diretamente no XRPL.A empresa usa a liquidez, completa o settlement e devolve o capital em 1-5 dias.O mesmo capital pode ser reutilizado várias vezes (modelo revolving).
A Arf continua fazendo a análise de crédito e underwriting off-chain. O XRPL serve como trilho rápido e eficiente de movimentação.
Fases futuras
Quando o protocolo nativo de lending do XRPL estiver ativo (amendments XLS-65 / Sirgle Asset Vaults e XLS-66 / Lending Protocol), a Arf pretende migrar parte da atividade pica o on-chain. Até lá, a fase atual é de provisão direta de RLUSD no ledger.
Papel de cada ativo
RLUSD: ativo principal dos fluxos de crédito (desembolso e reembolso).XRP: usado para taxas de transação da rede e reservas de contas/objetos no ledger.
Qualquer aumento de atividade gera uso recorrente de XRP, mesmo que o capital emprestado seja em stablecoin.
XRPL: ganha volume real de lending/settlement ligado a pagamentos do mundo real.
Citações oficiais relevantes
Ali Erhat Nalbant (CEO da Arf): "Estamos trazendo capital de giro em stablecoin para o XRP Ledger para ajudar empresas de pagamento a preencher essa lacuna e suportar mais volume."Jasmine Cooper (Head of Product for RippleX): "Settlement liquidity é exatamente o tipo de caso de uso para o qual XRPL e RLUSD foram construídos."
Por que isso é relevante para os investidores:
Exemplo concreto de utilidade institucional: stablecoin + blockchain resolvendo um problema real de capital de giro em pagamentos internacionais (prefunding). Não é especulação de preço; é infraestrutura de liquidez ligada a volume de pagamento existente da Arf. O impacto no preço do XRP depende do volume real que passar a usar o XRPL (taxas e reservas), não do valor nominal de US$ 10 bilhões (que se refere ao volume já processado pela Arf, não a um compromisso novo).#Xrp🔥🔥 #Ripple #defi #Web3 $XRP

La demanda que mantuvo a XRP en el limbo durante casi cinco años
Imagina que tu inversión cae con fuerza en pocos días, no por un hackeo ni por una estafa, sino por una demanda. Eso les pasó a quienes tenían XRP en diciembre de 2020.
La SEC, el regulador bursátil de Estados Unidos, demandó a Ripple y a dos de sus ejecutivos, Brad Garlinghouse y Chris Larsen. La acusación: haber vendido XRP como un valor no registrado, recaudando unos 1.300 millones de dólares. XRP se desplomó y varios exchanges importantes suspendieron su negociación.
Lo que vino después fue una de las batallas legales más largas y seguidas de todo el sector. En julio de 2023, la jueza Analisa Torres dictó un fallo dividido: XRP no es un valor cuando se vende al público en los exchanges, pero sí lo fue cuando Ripple lo vendió directamente a inversores institucionales.
En agosto de 2024 llegó la sanción: una multa de 125 millones de dólares, muy por debajo de los 2.000 millones que había pedido la SEC. Ambas partes apelaron en distintos momentos, y el caso parecía no tener fin.
En marzo de 2025, el CEO de Ripple anunció que la SEC retiraba su apelación, y Ripple retiró después su contra-apelación. XRP subió alrededor de un 15% con la noticia. Aun así, en junio, el juez rechazó un intento de las partes de reducir la multa, y el cierre definitivo tuvo que esperar.
Finalmente, en agosto de 2025, el tribunal aceptó que ambas partes retiraran sus apelaciones y el caso se dio por terminado, casi cinco años después de que empezara.
Para quienes tenían XRP, fueron años de vivir pendientes de cada audiencia, cada comunicado y cada mensaje del CEO, como quien espera un veredicto que nunca termina de llegar.
Más allá de quién "ganó", lo insólito es el tiempo: casi cinco años de incertidumbre en los que una moneda con millones de usuarios dependió de lo que dijera un tribunal. Y para el resto de la industria, el caso se volvió una referencia obligada sobre cómo se mira legalmente a las criptomonedas.
¿Quién crees que salió mejor parado: Ripple, la SEC o la comunidad XRP? Te leo.
Sígueme: el lunes vamos con una colección que se regaló gratis y llegó a venderse por millones.
$XRP #Ripple #sec

Crypto has rebounded in recent months, prompting investors to seek opportunities in the sector.
After struggling for most of the year, crypto has rebounded in recent months and drawn renewed interest, as investors look for oversold cryptocurrencies that could surge in another crypto bull market.
Many of the largest cryptocurrencies have pared a majority of their losses this year. Two of the more intriguing cryptocurrencies from a technical perspective are XRP (
XRP
+1.33%
) and Solana (
SOL
-1.14%
), both of which run on blockchain networks capable of processing many transactions per second.
Which is the better buy?
XRP: Leveraging Ripple to build an ecosystem
XRP is the fifth-largest cryptocurrency in the world, with a market cap of nearly $82 billion. XRP is also one of the older cryptocurrencies, launching in 2012.
In crypto's early days, the XRP Ledger, or the token's network, was viewed as one of the stronger technical networks because it could process more transactions per second (TPS) than most blockchain networks.
XRP uses a uniqure set of trusted validators to confirm transactions. While critics argue that this method makes the network less decentralized because fewer nodes vote to approve transactions, the network can process more TPS. XRP can supposedly natively scale to 1,500 TPS.
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One of the more compelling parts of XRP's story is Ripple, a company that leverages the XRP Ledger to give companies faster payment settlement and custody solutions, among other services. Ripple has also developed a U.S. dollar stablecoin called RLUSD. Ripple was initially founded by some of the creators of XRP.
Ripple's solutions enable companies to accept stablecoin and fiat currency payments globally, and send global payments in minutes.
Ripple is also winning deals. For instance, Cross River Bank recently signed a deal with Ripple to integrate the XRP Ledger and RLUSD into its core banking infrastructure, providing faster payment capabilities for customers.
Furthermore, a Ripple-backed company called Evernorth, an XRP-treasury company, went public through a special purpose acquisition company earlier this month, meaning it's mainly in the business of buying and holding XRP as a balance sheet asset.
Some question how the progression of Ripple and RLUSD will actually benefit XRP's price. All of these new deals are likely to increase activity on the XRP Ledger, which could boost XRP demand, potentially as a bridge currency. But it's also possible that customers and users will just use RLUSD, so it is a fair question to ask.
Solana: The fast major blockchain network
While there are plenty of competitors out there, Solana operates the fastest blockchain among the major networks. It's currently the seventh-largest token by market cap, at $61 billion.
Solana's network operates on a proof-of-stake consensus mechanism, meaning investors can stake tokens to have the opportunity to validate transactions and earn rewards.
Additionally, Solana pairs its proof-of-stake consensus with proof of history, a cryptographic clock that assigns a time stamp to transactions. This reduces a bottleneck many blockchains face, where validators must communicate to agree on when transactions occurred.
This is why Solana's network is so fast. It can currently process thousands of TPS, but it has surpassed 100,000 TPS during a network stress test.
It's in a somewhat similar boat to XRP, signing deals with customers, particularly among major payment networks. Visa, Western Union, and Fiserv have all either launched or migrated existing stablecoins on Solana's network, demonstrating real-world utility.
In fact, Solana's network ranks among the top three for stablecoin activity, with more than $16 billion in circulating supply and roughly $500 billion in 30-day transfer volume, as of last year.
Which is the better buy?
Given that each token operates on a network with strong technical capabilities, I don't think either one is a bad buy, and I don't generally recommend buying too many cryptocurrencies.
However, I'd give the edge to Solana because its network sees more activity and overall usage than XRP. Furthermore, it appears to be able to process more TPS and has an edge in stablecoins as well.
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#solana #Xrp🔥🔥 #Ripple #sol