Despite the decline, Egrag Crypto continues to maintain significant exposure to XRP and believes the current price range offers an accumulation opportunity for his spot strategy.

In his update on X, Egrag Crypto explained his current market position, discussed the possibility of another decline, and outlined the price levels he expects XRP to approach during a potential recovery. His accompanying chart also identifies the conditions that could force him to reconsider his bullish outlook.

#XRP – I'M 97% IN THE MARKET! ONLY 3% LEFT FOR LEVERAGE TRADING!

Seriously, HOW MANY TIMES have I shared this chart, updated it, and highlighted $1.18 AS A POTENTIAL TARGET?

And here we are. $1.18 HAS BEEN TOUCHED!

This wasn't a last-minute prediction. I've been tracking… pic.twitter.com/gT20ThMxEx

— EGRAG CRYPTO (@egragcrypto) November 6, 2026

XRP Reaches Egrag Crypto’s Predicted $1.18 Level

Egrag Crypto reminded his followers that he had repeatedly updated his chart and identified $1.18 as a potential downside target. He noted that XRP has now reached that level, fulfilling the price objective he had tracked for several weeks.

His chart shows XRP declining from its previous highs and approaching the $1.18 region. It also displays several technical levels, including horizontal support and resistance zones and a long-term ascending trendline.

However, Egrag Crypto still sees room for another decline. He identified $1.11 to $1.07 as the next possible downside range, where XRP could experience another brief drop before attempting to recover.

Analyst Maintains 97% Market Exposure

Egrag Crypto also disclosed how he has managed his XRP position during the decline. He stated that he maintains 97% exposure to the market and reserves just 3% for leveraged trading.

The analyst explained that he feels comfortable with his existing spot entries. He also stated that another decline would not concern him, while a recovery would benefit his current holdings.

His comments show that he continues to prioritize his spot strategy despite the uncertainty surrounding XRP’s short-term price movement.

Egrag Crypto Identifies Conditions That Could Weaken His Outlook

Although XRP has reached his $1.18 target, Egrag Crypto warned that traders should monitor how the cryptocurrency behaves around this level.

He explained that consecutive daily closes below $1.18, accompanied by strong selling volume, would force him to reassess his bullish outlook. He also wants to see whether selling pressure extends into the three-day or weekly timeframe.

This distinction matters because the analyst does not consider a brief move below $1.18 sufficient to invalidate his outlook. Instead, he wants to see sustained weakness across higher timeframes before changing his position.

XRP Recovery Targets Extend to $1.80

For the recovery, Egrag Crypto identified four important price levels: $1.25, $1.43, $1.63, and $1.80.

His chart places $1.25 as the first level XRP needs to reclaim. A move toward $1.43 would bring the upper boundary of the marked yellow channel into focus. If XRP advances beyond that level, the analyst expects $1.63 and eventually $1.80 to become the next important targets.

Egrag Crypto considers the current price range suitable for accumulating XRP through his spot strategy. However, he acknowledges that the cryptocurrency could still revisit $1.11 or $1.07 before attempting a sustained recovery.

For now, he continues to monitor $1.18 as a critical level and will reconsider his bullish outlook if XRP records consecutive daily closes below it alongside strong selling volume.

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.

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He also admitted that he regrets buying XRP when he first entered the cryptocurrency market, saying he would have accumulated Bitcoin instead if he could make that investment decision again.

His remarks address one of the most debated expectations among XRP investors: how high the cryptocurrency can realistically climb. Kylo Tradez believes investors who expect XRP to reach thousands of dollars have misunderstood its potential and should reconsider their investment expectations.

When I first got into crypto, I bought ripple:native willingly (like an idiot) because I didn’t know much and all I heard was everyone talking about it going to $10,000.

Now that I’ve been in crypto for a few years, I realize how stupid that sounds, it’s never happening.

If I…

— Kylo Tradez (@KyloTradez) November 5, 2026

Kylo Tradez Regrets Buying XRP

Kylo Tradez explained in his tweet that he initially purchased XRP because he lacked experience in the cryptocurrency market. At the time, he frequently heard people predict that the asset would eventually reach $10,000, which influenced his decision to invest.

However, after spending several years in crypto, he no longer believes those predictions make sense. He described his earlier investment decision as a mistake and said he would have preferred to accumulate as much Bitcoin as possible.

The trader also made a stronger prediction about XRP’s future price. He claimed that the cryptocurrency would never reach $10, dismissing even the more modest target as unrealistic.

Kylo Tradez further addressed investors who hold XRP because they hope a major price increase will resolve their financial difficulties. He warned them against depending on a $10,000 price target to change their circumstances. Instead, he identified HYPE as the cryptocurrency he believes offers a better opportunity.

Crypto Community Responds To His XRP Predictions

His comments attracted several responses from other cryptocurrency users, although not everyone approached the discussion from the same perspective.

Pitino Drama supported the bearish outlook and made an even more pessimistic prediction. He claimed XRP would not reach $2 within the next 15 years and predicted that the cryptocurrency would eventually become worthless.

Mogwai also rejected the possibility of XRP achieving significant price growth, responding that it would never happen.

Sophie the Russian Maine Coone took a different approach. Rather than debating XRP’s price potential, she questioned why Kylo Tradez continued discussing an asset he clearly disliked. She advised him to sell his holdings and move on.

Market Capitalization Becomes Part Of The Argument

Mr. Shakur offered a different perspective on the $10,000 prediction. He explained that most XRP investors reasonably expect the cryptocurrency to reach $10, while individuals promoting products and investment opportunities often push the much higher $10,000 target.

Meanwhile, 21M/infinity focused on market capitalization. He noted that some XRP investors ignored this important factor when making ambitious price predictions. He added that disregarding market capitalization would allow people to justify virtually any target, including $1 million per XRP.

Kylo Tradez’s comments ultimately reflect his preference for Bitcoin over XRP and his rejection of the ambitious price expectations surrounding the cryptocurrency. However, his predictions represent his personal opinion, not a confirmed outcome for XRP.

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.

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In her tweet, she used Garlinghouse’s remarks at Ripple Swell to defend her position on XRP’s real-world utility. She recalled purchasing XRP when she was 26 and noted that she is now 38. Despite holding the cryptocurrency for years, she complained that XRP still trades around $1 and continues to follow Bitcoin’s price movements.

She also criticized members of the XRP community who previously dismissed her concerns about the cryptocurrency’s adoption. Emily maintained that she had questioned XRP’s actual usage before Garlinghouse addressed the subject publicly.

I got XRP at 26 and am now 38; it still at a dollar, still following Bitcoin.

Brad stated directly in your face at Swell, “we are trying to find ways to use XRP.”

I told these people it was not being used. Yet some prefer to be tards and get mad at the truth.

BRAD explicitly… pic.twitter.com/0Ph6G8r0c2

— Emily (@Emilyaaqt) November 5, 2026

What Garlinghouse Reveals About Ripple Treasury Payment

During his appearance at Ripple Swell, Garlinghouse discussed Ripple Treasury’s performance and the opportunities its customer base could create for blockchain-based payments.

The Ripple CEO revealed that the business handled approximately $13 trillion in payment transactions during 2025. However, he explained that virtually 99.9% of those transactions did not involve cryptocurrency payment networks or stablecoins.

Garlinghouse repeated this figure while explaining the scale of the opportunity available to Ripple. Although Ripple Treasury already handles substantial payment activity, most of its transactions still rely on traditional financial infrastructure rather than blockchain-based payment systems.

He described the existing customer base as a captive audience that Ripple could potentially move onto blockchain networks.

Emily cited this admission to support her earlier criticism. She argued that people had accused her of spreading fear, uncertainty, and doubt whenever she questioned the extent of XRP’s adoption.

Ripple Wants to Expand XRP Liquidity and Utility

Garlinghouse also connected Ripple’s business expansion and acquisitions to the company’s objectives for XRP. He identified three priorities: increasing XRP liquidity, expanding its utility, and building greater trust in the cryptocurrency.

His remarks suggest that Ripple wants to use its existing business relationships to introduce more customers to blockchain-based financial services. Ripple Treasury already serves businesses that process significant payment volumes, giving the company an opportunity to introduce additional payment options.

However, the $13 trillion figure does not represent XRP transaction volume. Garlinghouse explicitly stated that approximately 99.9% of those payments did not touch cryptocurrency payment networks or stablecoins.

XRP Adoption Remains a Key Question

Emily’s criticism centers on the difference between Ripple’s growing payment business and XRP’s actual usage. Although Ripple Treasury processes substantial payment volumes, those figures do not automatically translate into demand for XRP.

Garlinghouse’s comments also show that Ripple intends to increase XRP’s role in its expanding financial ecosystem. His emphasis on liquidity, utility, and trust indicates that the company still sees room to expand the cryptocurrency’s applications.

For XRP holders, the challenge lies in seeing more of Ripple’s payment activity translate into transactions that actually use XRP. Until that happens, the distinction between Ripple’s business growth and XRP adoption will remain important.

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.

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As prices fall across the market, he has encouraged XRP holders to remain calm and focus on the developments shaping the future of global finance.

Laresca believes changes in banking infrastructure could create new opportunities for XRP and other digital assets, and he expects the current market uncertainty to become less important by next year.

Laresca Tells XRP Holders To Ignore Market Fear

In a post on X, Laresca delivered a direct message to cryptocurrency investors who feel concerned about the latest market decline.

“DO NOT PANIC. THIS IS WHERE MILLIONAIRES ARE MADE!” he wrote.

He noted that investors should avoid reacting emotionally whenever cryptocurrency prices fall. Instead, he encouraged them to stay informed, understand the broader financial developments, and keep their attention on XRP.

Laresca also suggested that the global financial system could enter a new era of banking and finance. He believes the changes taking place could make the next chapter for XRP bigger than many investors currently anticipate.

His accompanying video provided further details about his position. He warned that panic selling during market declines could lead investors to make decisions based on fear rather than an understanding of their investments.

“The worst thing you can do now is you see everything going down is panic. That’s trading on fear and emotion,” Laresca stated.

Banking Infrastructure Remains A Major Focus

Beyond the immediate market decline, Laresca directed attention to the infrastructure supporting the changing financial system.

“You need to remember fundamentals matter. Infrastructure. The new banking system is changing,” he said.

His comments suggest that he considers developments in banking infrastructure more important than temporary price movements. Rather than concentrate entirely on daily market performance, he wants investors to examine how financial institutions and payment systems are evolving.

Laresca also expressed confidence that the current uncertainty would not last indefinitely.

“By next year, all of this noise is going to mean nothing,” he added.

Although he did not identify particular developments that could drive this transformation, he maintained his positive outlook on XRP and the potential opportunities associated with changes in global finance.

XRP Community Members React To The Message

Several members of the XRP community responded to Laresca’s message, with some describing how they handle market declines.

Dana Aldridge explained that she prefers buying dips rather than panicking when her investments lose value. She added that remaining in the red does not bother her because she ignores short-term market noise.

Ben offered his own perspective, stating, “Money does not disappear. It moves from stocks to Xrp.”

Bill Grund used humor to express his confidence, repeating, “I’m not panicking” three times before declaring himself comfortable.

Another commenter, Slownicklefastdime, joked about taking the opposite approach by saying, “I’m going to start PANIC BUYING.”

The responses showed that several community members shared Laresca’s preference for staying calm during market declines. His broader message remains that investors should pay attention to financial infrastructure and XRP’s potential role in the changing banking environment rather than allow short-term price movements to dictate their decisions.

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.

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He cited BNY’s decision to expand its digital asset custody services, Ripple’s regulatory approval in the United States, and the growing use of blockchain technology by established investment firms. He also referenced Hong Kong’s plans for around-the-clock settlement of tokenized transactions.

In his tweet, X Finance Bull listed these developments as evidence of increasing institutional involvement in digital assets. He then asked his followers what other developments they would add to the list.

Your friend says $XRP is a scam.

Send them this

BNY now custodies XRP and RLUSD.

Ripple got final OCC approval for a national trust bank.

Aviva and Franklin Templeton put real funds on XRP Ledger.

Hong Kong's central bank is building 24/7 tokenized settlement.

Scams… https://t.co/qagDJZDYVl

— X Finance Bull (@Xfinancebull) November 5, 2026

BNY Expands Custody Services to Include XRP and RLUSD

X Finance Bull began with BNY’s decision to add XRP and RLUSD to its Digital Asset Custody platform.

On October 27, 2026, Ripple and BNY announced an expanded collaboration that allows eligible institutional clients to store and transfer both assets through the bank’s custody platform.

BNY already served as the primary custodian for RLUSD reserves since July 2025 and maintained an existing custody relationship with Ripple Prime. The latest agreement extends its digital asset custody services to XRP.

However, neither company has disclosed which institutional clients will receive access to XRP custody or when the specific service will begin.

Ripple Secures Final OCC Approval

The commentator also cited Ripple’s regulatory progress in the United States. On October 26, 2026, the Office of the Comptroller of the Currency (OCC) granted final approval for Ripple to establish Ripple National Trust Bank.

This decision completes a process that began with conditional preliminary approval on December 12, 2025.

Ripple National Trust Bank will provide fiduciary digital asset custody services, manage segregated reserves backing RLUSD, and serve as collateral trustee for those reserves.

The approval gives Ripple a federally supervised structure for its planned trust banking operations and expands its ability to serve institutional clients.

Aviva Launches Tokenized Fund on XRP Ledger

X Finance Bull also mentioned Aviva Investors and Franklin Templeton in connection with institutional tokenization.

Aviva Investors has launched a tokenized share class for its US Dollar Liquidity Fund on the XRP Ledger. The initiative launched with £50 million, allowing investors to access the fund through tokenized shares.

Franklin Templeton requires a separate distinction. Although the investment firm continues to develop tokenization through its Benji platform, its 2026 activities do not establish a new live fund launch on the XRP Ledger alongside Aviva’s initiative.

Therefore, Aviva provides the confirmed example of a fund bringing tokenized investment products to XRPL.

Hong Kong Advances 24/7 Tokenized Settlement

The final development concerns Hong Kong’s efforts to support continuous settlement of tokenized financial transactions.

On November 2, 2026, the Hong Kong Monetary Authority announced a new chapter for EnsembleTX. The initiative will support 24/7 interbank settlement of tokenized deposit transactions using tokenized central bank money.

However, the project does not specifically involve the XRP Ledger. Participating banks will use their own blockchain infrastructure to connect with the HKMA’s EnsembleTX platform.

X Finance Bull concluded his post by asking followers what other developments they would add to his list.

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.

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He wrote an open letter to the community laying out exactly how he expects them to engage with him, and what happens when they don’t.

The post comes amid heavy criticism directed at both Schwartz and Ripple CEO Brad Garlinghouse. But the message goes beyond responding to critics. He is also asking his own supporters to change their behavior.

Recently, there's been a significant increase in people responding to replies of mine that have nothing to do with crypto with insults or crypto content. I hate to do it, but I pretty much have to block for this because otherwise the people I'm replying to have no choice but to…

— David 'JoelKatz' Schwartz (@JoelKatz) November 7, 2026

David Schwartz Message to the Community

Schwartz opened by noting a rise in replies to his posts that have nothing to do with the topic he is discussing. People use his threads to insult him or push irrelevant crypto content. He says he has to block those accounts, because ignoring them means they spam the followers of whoever he is replying to.

He also addressed fraud and scam accusations. He wrote that he does not mind people “criticizing me or accusing me so long as it doesn’t reduce to slurs and has some actual content.” His condition is that it stays relevant and appears in an appropriate thread.

The Stalking Concern

This is where the post moves into less familiar territory. Schwartz described a specific behavior he finds unacceptable. Some accounts follow him across the platform and inject XRP-related comments into unrelated conversations.

Even something as positive as “XRP is great!” becomes a problem when it appears in a thread where he is discussing something else. It disrupts the people he is replying to, and he will not tolerate it going forward.

This is not simply about handling critics. Schwartz is saying he wants people to stay out of his conversations unless they belong there. His privacy and his ability to engage on the platform without being trailed are both part of this.

XRP Army Reacts

The responses were mixed. One user suggested a constructive solution, recommending that Schwartz host a weekly post inviting new ecosystem members to introduce themselves. Schwartz responded positively to that idea.

Another community member noted that Schwartz’s lack of responses to people is part of why they kept pushing. This echoes this sentiment shared by many in the community who feel ignored, and is more pressing now as XRP’s price struggles.

Schwartz Leaves the Door Open

Schwartz ended on a calmer note. He told anyone who was blocked and is willing to stop the behavior to find a way to reach him. He said he will unblock them, and he holds no personal hatred toward his critics. He just wants engagements to stay on topic and the harassment to stop.

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.

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The asset manager calculated that processing 50,000 fund transactions cost approximately $75,000 through traditional systems, compared with just $1.13 on the Stellar blockchain.

Crypto commentator X Finance Bull believes this difference demonstrates why financial institutions could increasingly adopt blockchain technology, creating long-term opportunities for XRP and XLM.

In a detailed tweet, X Finance Bull connected Franklin Templeton’s established operations on Stellar with its expanding tokenization activities on the XRP Ledger. He believes both networks could benefit as major financial institutions move investment products and transactions onto blockchain infrastructure.

$XRP and $XLM holders, do you know how big this is?

For years, traditional finance has been charging investors a fortune to maintain and move their money.

Franklin Templeton just put a number on it: 50,000 fund transactions cost $75,000 through traditional processing.

On… https://t.co/lQ7PuPvEOe pic.twitter.com/F1TmY6Dezu

— X Finance Bull (@Xfinancebull) November 5, 2026

Franklin Templeton Demonstrates Stellar’s Cost Advantage

X Finance Bull highlighted comments from Sandy Kaul, Franklin Templeton’s Head of Innovation, who discussed a comparison covering approximately six months of actual operations.

Traditional transfer-agency processing cost around $1.50 per transaction, while Stellar charged approximately $0.0000226 in blockchain fees.

The difference represents roughly 99.9985% lower transaction-processing costs. The commentator also highlighted Franklin Templeton’s BENJI product, which allows investors to access its Stellar-based money market fund with approximately $20. This compares with around $500 typically required to open an account in a conventional money market fund.

Franklin Templeton launched its Franklin OnChain U.S. Government Money Fund, known as FOBXX, on Stellar in April 2021. BENJI tokens represent shares in the regulated fund, which invests primarily in short-term U.S. government securities, cash, and eligible repurchase agreements.

X Finance Bull cited approximately $605 million in BENJI assets on Stellar as of October 6, 2026, alongside more than $211 million in peer-to-peer share transfers through March 31, 2026.

Institutional Tokenization Expands To XRP Ledger

The commentator also examined Franklin Templeton’s activities on XRPL. In September 2025, Franklin Templeton, DBS Bank, and Ripple announced a collaboration involving the sgBENJI money market fund, DBS Digital Exchange, and RLUSD.

The institutions planned to tokenize sgBENJI shares on XRPL, support trading between the fund shares and RLUSD, and explore lending arrangements using tokenized investments as collateral.

X Finance Bull highlighted October 24, 2026 reporting that Franklin Templeton had added approximately $150 million in sgBENJI shares to XRPL, bringing the reported total to around $200 million.

He believes these developments could create opportunities for institutional financing and increase demand for liquidity. He specifically sees potential for XRP to facilitate exchanges between tokenized financial products through XRPL’s decentralized exchange and auto-bridging functionality.

Aviva And DTCC Add To Institutional Developments

X Finance Bull also referenced Aviva Investors’ October 26 announcement of a tokenized share class for its Sterling Liquidity Fund on XRPL. The underlying fund held approximately £22 billion in assets, while Aviva’s two tokenized share classes had attracted more than £86 million.

He further highlighted DTCC’s collaboration with the Stellar Development Foundation. Announced in May 2026, the initiative aims to make eligible securities, including U.S. Treasuries, equities, and ETFs, available through Stellar during the first half of 2027.

Why X Finance Bull Remains Bullish On XRP And XLM

X Finance Bull believes increasing institutional adoption could create long-term opportunities for both cryptocurrencies. He explained that XLM supports Stellar’s network operations through transaction fees and account reserves, while XRP supports XRPL through transaction fees, reserves, and its potential role as a bridge asset.

He also referenced McKinsey’s estimate that tokenized financial assets could reach $2 trillion by 2030 in its base-case scenario, with a bullish projection of $4 trillion.

Looking ahead, X Finance Bull expects greater institutional adoption of tokenized funds, collateral arrangements, and blockchain-based settlement.

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.

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“If my XRP ever gets back to ‘break even’ I’m selling that junky shit!” he wrote. The post quickly gathered responses from other holders sharing similar frustrations.

His sentiment reflects a growing impatience within the XRP community as the asset continues to slide.

If my XRP ever gets back to “break even” I’m selling that junky shit!

— Shaney Boy (@ShaneyBoyzz) November 5, 2026

XRP Fails to Hold Ground

XRP currently trades at $1.20, down 8.05% in the past 24 hours and 17.55% over the past month. The asset has failed to capitalize on recent bullish developments in the crypto space like the OCC’s approval of Ripple National Trust Bank.

The market staged a brief recovery following the U.S. midterm elections. This was short-lived and major assets are now falling, with XRP experiencing greater losses than Bitcoin and Solana. Ethereum beat it slightly, as it is down approximately 8.3%. The decline puts significant pressure on holders who entered at higher price levels and are now sitting on losses.

The Election Effect on Crypto Regulation

The midterm elections delivered Democrats control of both the House and Senate. Many XRP holders dread this outcome because of the poor relationship between the Democrats and the crypto community.

Democrats blocked the CLARITY Act, which would have provided clear rules and given the industry an easier path to broader institutional adoption. With the party now controlling both chambers, the path toward crypto-friendly regulation grows significantly more difficult.

The Community Reacts

Shaney Boy’s post drew a range of responses from holders and observers across the crypto community. One well-known crypto commentator asked Shaney Boy to confirm his break-even price, holding him to his stated commitment.

Another user expressed solidarity, noting that many holders find themselves in the same position. One respondent directed his frustration at Bitcoin maximalists, suggesting they had been correct in their skepticism about XRP all along.

One holder expressed doubt that XRP would ever sustain a price above $1, citing what he sees as resistance from powerful global interests to XRP’s use in international trade. He added that he has personally lost money on every token he holds.

Notably, a prominent analyst predicted in October that XRP would drop to $1 by the end of the year. With the asset now sliding rapidly, it could reach that level if things don’t change.

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.

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While many XRPL projects use relatively simple issuer-account configurations, Yellow has adopted a more demanding security structure designed to meet institutional requirements. The project’s approach also reflects its ambitions to attract larger participants and develop financial infrastructure on the network.

Yellow’s Captain, Alexis Sirkia, has now explained the thinking behind the launch, including the team’s decision to use native XRPL multisignature technology, the initial trading volatility and its plans to improve the tools available to other developers.

Paving the way for institutional-grade tokens on the XRP Ledger.

Yesterday we launched $YELLOW on $XRP. The reaction was loud, so I want to address what happened, why we built it this way, and where we go from here.

In July 2017, we raised funds from investors into a Parity… pic.twitter.com/eVkBxfMTZ3

— Alexis Sirkia (@AlexisYellow) November 4, 2026

Yellow Builds Its Token Around Institutional Security

In his statement on X, Sirkia traced the project’s security priorities to an incident in July 2017. At the time, his team raised funds through a Parity multisignature contract, but hackers exploited the contract and drained every dollar before the project could launch.

That experience convinced him that security infrastructure must receive the same attention as the product.

Sirkia explained that most XRPL tokens use a single issuer key, which can suit projects with simpler requirements. However, institutional investors typically demand multisignature arrangements that distribute signing authority across multiple parties and keep keys in deep cold storage.

To accommodate those requirements, Yellow developed its deployment process directly on xrpl.js because existing XRPL ecosystem tools generally default to single-signature configurations.

The $YELLOW issuer account now uses native XRPL multisignature security across hardware wallets. The team also separated the liquidity pool from the issuer account and secured it through another multisignature arrangement before blackholing it. Sirkia confirmed that the final signature received confirmation on the day of his announcement.

He also announced plans to open-source the team’s multisignature deployment toolkit, giving other developers access to the tools needed to establish similar security arrangements.

Why Yellow Selected the XRP Ledger

Sirkia identified the XRP Ledger’s built-in trading infrastructure as another reason behind the project’s decision. Unlike networks that depend heavily on smart contracts for essential financial applications, XRPL provides native decentralized exchange order books, automated market makers and automatic bridging at the protocol level.

He believes this architecture can reduce certain security risks associated with external smart contracts and bridges.

Sirkia also brings considerable experience to the project, having worked as one of the early market makers on XRPL since 2013. He confirmed that Yellow has started making markets on the network’s native DEX to keep its liquidity synchronized with Ethereum pools such as Uniswap while minimizing bridge exposure.

Sirkia Adds Liquidity After Initial Volatility

The launch did not proceed exactly as the team expected. Sirkia revealed that Yellow initially seeded a $10,000 test liquidity pool, but community participation exceeded expectations and caused significant price volatility.

To improve trading conditions, he added 68,888 XRP and 436,245 YELLOW to the liquidity pool. He also acknowledged that the team should have consulted the community before deploying the initial pool.

Looking beyond the launch, Sirkia wants developers to create applications that attract institutional capital to the XRP Ledger. He compared this opportunity with Ethereum, where applications such as Uniswap, MakerDAO and Aave helped establish a broader ecosystem around the underlying network.

He credited Ripple with providing the XRP Ledger infrastructure but believes developers must now build the financial products that encourage institutional participation.

For Yellow, the priority is to establish the security and liquidity infrastructure that can support that development.

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.

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Although his comparison paints a difficult picture for XRP’s current ecosystem activity, Versluis insists that he has not lost confidence in the cryptocurrency.

After holding XRP for seven years, he still believes the asset serves a purpose that differs from Solana’s focus on decentralized applications and retail participation.

In a recent video, Versluis described XRP as technically a dead chain compared to Solana. He then presented figures from both networks to explain his position.

$XRP = DEAD CHAIN?!

Warning: This one is for objective high IQ’s only! pic.twitter.com/pEtuoNkccE

— MASON VERSLUIS (@MasonVersluis) November 4, 2026

XRP And Solana Network Activity Compared

Versluis began his comparison with the XRP Ledger’s performance over a 24-hour period. According to the figures he presented, the network generated approximately $1,300 in chain fees, while applications built on the network produced around $2,000 in revenue.

He also reported fewer than 60,000 active addresses and approximately $6 million in decentralized exchange volume.

Solana recorded considerably higher figures across the same metrics. Versluis cited approximately $584,000 in chain revenue and $500,000 in chain fees. He also reported that applications operating on Solana generated around $4 million in revenue, while application fees reached approximately $10 million.

The difference in active addresses also stood out in his comparison. Solana recorded approximately 2.4 million active addresses, significantly exceeding the figure he presented for XRP.

Versluis used these numbers to argue that Solana currently attracts substantially more activity than the XRP Ledger.

Solana Has Attracted More Developers, Versluis Says

Versluis attributed Solana’s performance to its success in attracting developers, entrepreneurs, and businesses that build applications for the network.

He specifically mentioned Phantom as an example of a major cryptocurrency application that operates within Solana’s ecosystem. He believes Solana has successfully attracted talented application developers and created an ecosystem where several projects generate considerable activity and revenue.

According to Versluis, XRP has not achieved comparable success in attracting developers and building applications. He believes this difference explains much of the gap between the two networks’ daily activity figures.

However, he clarified that his criticism does not mean he intends to sell his XRP holdings.

Why Versluis Remains Bullish On XRP

Versluis revealed that he has held XRP for seven years and intends to maintain his position. He explained that he does not believe retail participation represents the primary purpose of XRP.

Instead, he sees XRP as a banking-focused cryptocurrency designed to serve a different function from networks such as Solana.

Several commenters challenged his assessment. Panthro_650 referenced Franklin Templeton, SBI Japan, Rakuten, Bitwise, and the Bank for International Settlements, questioning how Versluis could describe the XRP Ledger as dead despite institutional interest and research involving the network.

Another commenter, RonBrungSun, raised a question about the network’s adoption, asking, “Have we seen full utility yet?”

That question touches on an important distinction in the debate. Current network activity measures what users and applications generate today, while institutional adoption and financial infrastructure represent different aspects of a blockchain’s potential use.

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.

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