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Features like "24/7 settlement" and "programmability" become useful when they deliver business value. Ian Kane Ian Kane, our Head of Partnerships, explains how tokenized deposits can power use cases like rapid cross-border settlement, high-yield savings, and better treasury management for banks. Cosmos offers tokenized deposit solutions that let you...

15,218 просмотров • 1 месяц назад •via X (Twitter)

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Executive Thesis - Ripple Bank 2025 If Ripple secures bank-like permissions (U.S. national bank charter or state ILC plus key foreign licenses) and runs RL-stablecoins and XRPL rails under a Basel-caliber risk, capital, and compliance stack, it can become a regulated global settlement and asset-services platform. That platform could let central banks, sovereign treasuries, and regulated financial institutions issue, custody, trade, and settle stablecoins and tokenized RWAs (stocks, bonds, commodities, derivatives) with ISO 20022 native messaging, BSA/AML–FATF controls, and Basel III capital/liquidity governance—collapsing today’s slow correspondent chains into a single, high-compliance operating layer. The “Boom” Implications With the right charter(s), prudential regime, and partnerships, Ripple can become a compliance-first global neo-banking platform that (1) absorbs cross-border payment flows from correspondent networks, (2) powers CBDC and sovereign tokenized markets, and (3) monetizes issuance, custody, settlement, and compliance at scale—all inside Basel III, BSA/AML, FATF, and ISO 20022 guardrails. Impact on XRP If Ripple Bank were formally approved and XRP became the primary liquidity and settlement token across its’ regulated ecosystem, the economic demand for XRP would expand exponentially - transforming it from a speculative asset into regulated financial infrastructure. Structural Shift in XRP Demand From Speculative to Utility-backed Demand • XRP’s value today is primarily market-driven by speculation on future adoption. • Under a Ripple Bank framework, XRP becomes a mandatory utility asset — required for: • Settlement liquidity between all tokenized assets on XRPL (CBDCs, stablecoins, RWAs, derivatives). • Transaction fees and compliance verification across billions of high-value financial messages. • Collateral in interbank, treasury, and derivative clearing functions. This converts XRP from “optional” to “indispensable” in regulated settlement flows - similar to how SWIFT messaging depends on correspondent Nostro/Vostro liquidity BUT executed on a frictionless, tokenized rail. Volume & Velocity Effects Token velocity decreases, float demand increases • Basel III and liquidity regulations require prefunded, high-quality settlement collateral. • As banks, sovereigns, and institutions hold XRP as a liquidity reserve (like Tier-1 capital equivalents for tokenized payments), circulating supply falls while volume increases—driving scarcity-driven price appreciation. An Example of Flow Scale • Global wholesale payments ≈ $250T/year. • If 10% settles through Ripple’s bank-backed network using XRP at a 3-day velocity (roughly 120 settlement turns per year): • Required float ≈ $2.1T equivalent demand. • Even at $100/XRP, that implies 20B XRP locked in active liquidity operations. • At today’s 15B non-escrowed supply, value equilibrium could theoretically exceed $140–$200 per token, depending on velocity and collateral requirements. From today’s ~$3 price, this implies a 46x to 66x price surge. Are we ready? Ripple Treasury Department OCC Comptroller Jonathan Gould

Rob Cunningham

10,911 просмотров • 11 месяцев назад

We Were Right About This Space $12.7 trillion is now moving toward tokenized money markets. JPMorgan Chase Wealth Management just released a document describing the tokenization of money market funds as a fundamental upgrade to the plumbing of global finance, not a simple technology enhancement. The global money market fund industry is ~$12.7T, with ~$8.1T in the U.S. alone. Their position is explicit: Tokenized money market funds extend the evolution from stablecoins and deposit tokens while enabling: • faster settlement • greater predictability • improved collateral efficiency • more transparent redemptions that may enhance financial stability This document is written for institutional, wholesale, and professional clients and references live infrastructure, not theory. Networks and systems mentioned or contextualized: • Hedera as a public permissioned DLT with built-in regulatory controls • Solana and Avalanche as scalable, widely adopted public blockchains • Bitcoin and Ethereum as foundational blockchain systems • Canton Network through JP Morgan–related settlement and market infrastructure activity Additional real-world deployments highlighted: • JP Morgan arranged a U.S. commercial paper issuance on Solana for Galaxy, purchased by Coinbase and Franklin Templeton Interesting connections uncovered: • Visa launched USDC settlement for U.S. banks on Solana, with Cross River Bank helping scale the program to billions in annualized volume • As early as 2016, Cross River Bank was among the first U.S. banks to adopt Ripple (the “IOU network”) for real-time, low-cost cross-border payments, long before today’s tokenization narratives By the numbers: JP Morgan’s global liquidity business manages ~$1.4T, including ~$1.1T in money market funds, and is actively developing tokenized versions to optimize liquidity. For context, total on-chain tokenized real-world assets today are still only ~$50B. JP Morgan alone is discussing tokenization at a multi-trillion-dollar scale. This isn’t speculation. Regulated financial institutions are preparing for tokenized markets to operate inside the existing system, not outside of it. Networks mentioned: SOL I HBAR I XRP I CC I LINK I ETH I AVAX I BTC Watch what they do, not what they say.

Ryan (King) Solomon

17,986 просмотров • 8 месяцев назад

🇦🇺 Hedera Just Completed the Most Advanced Tokenization in Australia's History Reserve Bank of Australia's Project Acacia used real central bank money. "We're not doing POCs anymore. Only proofs of value." PROJECT ACACIA (HEDERA OVERVIEW) • Real claims on central bank money. • Exchange settlement accounts tokenized as wholesale CBDCs on Hedera HashSphere. • Hedera synced CBDC movements between private and public chain in real time. • DvP atomic settlement. Both legs of every transaction fulfilled simultaneously. IMPERIUM MARKETS (HEDERA USE CASE) The only licensed marketplace in Australia for term deposits, NCDs, and annuities. They started on R3 Corda. They switched to Hedera. • Term deposits, certificates of deposit, and annuities tokenized as digital twins • Recorded, custodied, and traded onchain on public-permissioned Hedera • Settlement via Cuscal stablecoin backed by wCBDC on HashSphere Collaborating banks: National Australia Bank, Westpac, Bank of Queensland, Colonial First State, Challenger Limited, AustralianSuper AP+ TOKEN INTERCHANGE (HEDERA USE CASE) • AP+ built an interchange for different stablecoins and deposit tokens on Hedera • A wCBDC digital twin ("white coin") served as the bridge asset on the public network • Underlying wCBDC on private HashSphere ASSETTO (Why it Matters) Full production-grade tokenization is now deployable in weeks on Hedera. Not years. • Enterprise-ready out of the box. • Public, private, or both environments. WHAT COMES NEXT • $24B annual opportunity identified in Australia. Currently capturing $1B. • Clipper (CLPR) Cross-Ledger Protocol announced. • Bridgeless multichain interoperability coming. • Regulators, RBA, and Treasury aligned and moving toward production. Rob Allen.Ħ | Hashgraph | HashPack Wallet Watch our exclusive interview with Rob Allen, Head of the Hedera Enterprise Adoption Team (HEAT):

Generation Infinity

224,956 просмотров • 3 месяцев назад