Terry Payne

If you’re thinking about selling your $XRP during this sell-off, watch this again. Brad Garlinghouse just explained something I think a lot of people are missing. Evernorth is giving traditional investors a way into the XRP economy through XRPN on Nasdaq, then taking the next step by trying to make XRP productive through yield, lending, liquidity and institutional treasury strategies. Evernorth already holds roughly 473M XRP, came public with about $300M in gross cash proceeds, and named Ripple, Kraken, Coinbase and BitGo as its first institutional execution partners. Deployment is expected to begin in Q4 2026. The door is now open to traditional retail investors, asset managers, hedge funds, family offices, wealth managers and equity funds that are comfortable buying a Nasdaq-listed company but may not want to manage crypto wallets and custody directly. XRPN gives them a familiar structure. Then Evernorth can raise capital, deploy XRP, earn from the treasury and potentially reinvest those earnings into more XRP. That is how traditional capital can eventually turn into underlying XRP demand. And look at the names already around this. Citigroup Global Markets served as Evernorth’s sole private placement agent and capital-markets adviser. The investor group includes SBI Holdings, Pantera Capital, Arrington Capital, GSR, Kraken and Ripple. Then NH Investment & Securities, acting as trustee for Kyobo AIM Corporate Finance General Private Investment Trust No. 3, participated in a $30M convertible-note financing that can support XRP acquisition and XRP ecosystem activity. This is traditional finance starting to wrap familiar capital-market structures around an XRP treasury company. Evernorth also hired Hugo Jeandesboz as CIO. His background runs through Coinbase Asset Management, HSBC and Société Générale, with experience in derivatives, fixed income, cross-currency swaps and institutional portfolio management. That tells me exactly how seriously they want to manage this treasury. Not like a wallet. Like professional financial capital. Then comes the onchain part. XRPL is developing XLS-65 Single Asset Vaults and XLS-66 Lending Protocol. The structure is easy to understand: Evernorth allocates XRP. XRP enters lending infrastructure. Approved borrowers access liquidity. Credit managers handle underwriting. Loans repay principal and interest. Evernorth can retain or reinvest the proceeds. As of October 15, SingleAssetVault had 21 of 35 supporting validator votes and LendingProtocol had 19 of 35, making activation one of the clearest next catalysts. Evernorth is already connected to Doppler Finance, which reported more than 14,000 depositors and over $150M deposited into XRP and RLUSD vaults. Doppler also works with Bybit, Bitget Wallet, SBI Ripple Asia and SBI Digital Finance, and partnered with OpenEden around tokenized Treasury products including TBILL and USDO. Now XRP liquidity, yield strategies and tokenized fixed income are starting to sit inside the same ecosystem. Then zoom out further. Brevan Howard is working with Ripple Prime around prime brokerage, clearing and financing. Standard Chartered, Ripple and LMAX are building around RLUSD custody and collateral. DriveWealth is working with Ripple across settlement, funding, custody and potential equity financing. Meritz Securities is working with Ripple on institutional custody and tokenization. Ondo Finance is bringing OUSG tokenized Treasuries to XRPL, using assets including BlackRock’s BUIDL in its backing structure and supporting RLUSD creation and redemption. Then comes the number I think could eventually become huge: XRP per share. Starting from 473M XRP: A hypothetical 1% annual increase adds 4.73M XRP. 3% adds 14.19M XRP. 5% adds 23.65M XRP. If Evernorth grows its XRP holdings faster than its share count, each XRPN share can represent more XRP over time. Institutional capital → larger treasury → income strategies → retained XRP earnings → higher XRP per share → more investor interest. And the treasury already shows how multiple capital sources can combine. Roughly 211.32M XRP came from Arrington XRP Capital, 126.79M from Ripple, 50M from a Ripple-affiliated investor, 0.8M from others, and 84.37M XRP was purchased using about $214M in cash funding. Now imagine the model spreads. 10 institutions allocating $50M each = $500M. 25 allocating $100M = $2.5B. 50 allocating $200M = $10B. That is when XRP demand starts coming from many directions at once: treasury accumulation, lending, liquidity, settlement, credit markets and investment products. Brad’s message is bigger than “institutions can buy XRP.” He is talking about institutions being able to put XRP to work. And I think that could completely change how Wall Street looks at $XRP.

La sobrecogedora, implacable y absolutamente demoledora evidencia que acaba de registrarse en los cielos de Irlanda... hace pedazos el teatro del silencio oficial esta misma noche. 🛸👽 Los arquitectos de la censura mundial están colapsando de terror. Una cámara de vigilancia en el condado de Donegal capta un estruendo ensordecedor y el paso rasante de una entidad lumínica. No hubo cohetes comerciales. No hubo ejercicios militares. ¡Es un despliegue de propulsión categórica y definitivamente NO HUMANA! Nuestros visitantes cósmicos están rompiendo la barrera del sonido sobre zonas residenciales y ya no les importa ocultarse. ¡La intrusión es frontal, la verdad aplastante nos ha acorralado y el telón del encubrimiento se ha derrumbado para siempre!

Question! Do you think the WH correspondent dinner was a fake staged assassination attempt? (A: Yes (B: No

OMFG... AGAIN! RFK Jr. just doubled down on Trump's FAKE math: He claims that if a drug drops from $600 to $100 that’s a "600% savings". No you Imbecile, once again if a drug drops from $600 to $100, that’s a drop of 83.33%, not 600%. My 9-year-old son in 3rd grade understands this.

He’s MAD

This stupid bitch is Trump’s official “Spiritual advisor”

Fuckface signs an executive order and then says “you think Biden can do that?” Yes, he can. And unlike you, Joe Biden can think, he can ride a bike, and he can walk in a straight line. Oh, and he’s not a convicted felon and a child-raping pedophile.

Ireland has the most democratic election system in the world. The far-right have never & will never get enough votes to be a serious political threat here. Even those who protested won't vote for them because Irish people are inherently decent & caring & shun hate

Fuck!!! Not again!!! 5 days before my birthday too!!!!