Stein’s Comments

The interview, conducted by Jacquelyn Melinek of Talking Tokens, turned toward the question of blockchain use cases. The XRP army has had its eyes on Stein as he is set to speak at Ripple Swell 2026. Stein’s answer covered more ground than a standard institutional talking point.

He said BlackRock sees growing interest around stablecoins, tokenization, and agentic payments. He then added a key qualifier: “it’s agnostic to the blockchain.” His position is that whatever network ends up as the foundation for those use cases will be the beneficiary of the attention that follows.

Stein did not name XRP, but Digital Asset Investor’s stance suggests he did not need to. The logic he described applies directly to what Ripple has built.

The XRP BlackRock Moment pic.twitter.com/T6gfQQUXg3

— Digital Asset Investor (@digitalassetbuy) October 23, 2026

Connecting the Dots

Digital Asset Investor offered a direct translation of Stein’s comments. “You’re going to see the XRP BlackRock moment,” he wrote. That reading resonates in the XRP community because BlackRock has historically concentrated its crypto activity on Bitcoin and Ethereum. The firm launched spot ETFs for both assets.

XRP has not had that moment yet, but rumors have been circulating of BlackRock’s plans for an XRP ETF. Digital Asset Investor’s position is that Stein’s blockchain-agnostic stance signals a shift toward XRP is coming.

The Institutional Lens

Stein’s comments show how large institutions currently evaluate blockchain infrastructure. The technology is secondary to the use case. If stablecoins and tokenized assets scale on a particular network, that network gains institutional relevance regardless of its history or previous positioning.

XRP and the XRP Ledger are built specifically for payments, cross-border settlement, and tokenization. Experts have argued that people will use XRP without knowing. Ripple has pursued regulatory clarity in the U.S. and expanded its institutional partnerships globally. The infrastructure Stein described is already operational on XRPL.

BlackRock has not made any public moves toward XRP. However, Stein’s scheduled appearance at Swell puts one of the most powerful asset managers on earth in the same room as Ripple’s leadership. Digital Asset Investor believes the moment is approaching, and this appearance could start a major conversation.

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The images show two sessions that have caught significant attention across the XRP community. Speakers from both the International Monetary Fund and BlackRock will take the stage.

Two Sessions That Tell a Story

The first session is scheduled for 1:10 PM on Tuesday. Titled “From Allocation to Adoption: How Asset Managers are Building Digital Asset Strategies,” it features Max Stein of BlackRock alongside Brian Oliver of Ripple, Alastair Sewell of Aviva Investors, and Thomas Sy of New York Life. The session runs 30 minutes and sits squarely within the Platinum Summit track.

The second session begins at 2:30 PM the same day. “Accelerating Stablecoin Adoption” features Tobias Adrian of the International Monetary Fund, Ryan Lawler of Axios, Caroline Pham of MoonPay, and Luke Boland of Standard Chartered. That session also runs 30 minutes under the Platinum Summit label.

Both sessions are part of an invite-only institutional track, which means the audience in the room will likely be filled with senior finance executives.

THE IMF AND BLACKROCK ARE BOTH SPEAKING AT RIPPLE SWELL

Documented. pic.twitter.com/AT2Y55iJuj

— SMQKE (@SMQKEDQG) October 22, 2026

Who is in the Room?

Tobias Adrian serves as Director of the Monetary and Capital Markets Department at the IMF. His presence at a Ripple-hosted event focused on stablecoin adoption carries real significance. The IMF has previously highlighted XRP in key reports and has been one of the most active global institutions studying digital currency infrastructure.

Max Stein is BlackRock’s Director of Digital Assets. BlackRock has moved aggressively into the digital asset space, most visibly through its Bitcoin ETF. Rumors of a BlackRock XRP ETF have circulated for years. Stein appearing on a panel about how asset managers are building digital asset strategies signals that BlackRock’s interest extends well beyond Bitcoin.

Ripple’s Position in Institutional Finance

Swell 2026 runs October 27 to 29 at The Shed in Hudson Yards, New York. This year’s event combines Ripple’s flagship Swell conference with XRPL Apex, its developer summit, for the first time. Organizers expect over 1,500 attendees and more than 100 speakers across 80+ sessions.

The Platinum Summit sessions featuring the IMF and BlackRock reflect how seriously institutional players now engage with Ripple’s ecosystem. These are not exploratory conversations. They are scheduled sessions built around adoption, strategy, and infrastructure.

For XRP, that institutional presence is significant. As asset managers build digital asset strategies and global bodies discuss financial frameworks, XRP sits at the center of the rails being evaluated.

The participation of the IMF and BlackRock at a Ripple-hosted event confirms that those conversations are happening at the highest levels of global finance.

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Crypto enthusiast XRPMoonWalk connected the figure to speculation about BlackRock and suggested that large XRP holders may already know something about the asset manager’s plans.

However, the claim about a $33 sell wall remains unverified, while the research behind the price figure does not represent a BlackRock price target.

XRPMoonWalk Raises Question About $33 Sell Wall

XRPMoonWalk tweeted that whales may know “BlackRock is coming” and suggested this could explain a supposed $33 sell wall for XRP. The post then asked whether someone could check Coinbase to determine if the sell wall still exists.

So it seem like the whales know Blackrock is coming and that’s why they have a $33 sell wall for ripple:native.

I wonder if someone could check Coinbase to see if they still exist?

Would be interesting.$XRP https://t.co/IKmWv69uvm

— XRPMoonWalk (@XRPMoonWalkK) October 12, 2026

The comment appears to connect the alleged sell wall with a post from Global Macro Investor, Pumpius, which cited a $32.91 XRP valuation from research co-authored by Robert Mitchnick and Stanford economist Susan Athey.

However, there is no verified evidence presented with the post showing that a $33 sell wall currently exists on Coinbase or another exchange.

A sell wall consists of a large group of sell orders around a particular price. Traders can place or cancel those orders at any time, so the presence of such orders would not by itself establish that large holders have information about BlackRock.

Where the $32.91 Figure Comes From

The $32.91 figure does appear in a June 2018 paper titled A Fundamental Valuation Framework for Cryptoassets, which Mitchnick co-authored with Athey.

The research examined potential cryptocurrency valuations under different scenarios. For XRP, the success case produced a range from $6.37 to $32.91 per unit. The authors assigned that success scenario a 25% probability at the time.

The paper therefore did not establish $32.91 as a guaranteed XRP price. It also did not present the figure as a BlackRock investment target.

Mitchnick later joined BlackRock and now leads its digital assets operations. His current position, however, does not turn research he produced before joining the company into an official BlackRock forecast.

Research Does Not Equal a BlackRock Price Target

The viral claim that “BlackRock has a $32.91 XRP target” leaves out several details from the original research.

It omits the lower $6.37 figure, the 25% probability assigned to the success scenario, and the authors’ 75% probability for the failure case. It also does not make clear that the research predates Mitchnick’s role at BlackRock.

They also disclosed that she held a board position at Ripple Labs and owned equity in the company when the research was published.

No Evidence Links Whales to BlackRock

Even if a $33 sell wall existed, there is no evidence connecting it to BlackRock or the 2018 research paper.

The suggestion requires several assumptions: that large XRP holders know BlackRock’s intentions, that they know about the old valuation research, and that they have positioned sell orders around its $32.91 figure. XRPMoonWalk’s post doesn’t provide evidence for those assumptions.

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In a video posted alongside his tweet, he linked BlackRock’s research on AI-driven demand for digital assets to his belief that major companies understood crypto and artificial intelligence from their early stages. He also focused on XRP and BlackRock’s head of digital assets, Robert Mitchnick, who previously worked at Ripple.

BlackRock Explores AI And Digital Assets

Digital Asset Investor opened the video by referencing BlackRock’s latest research on the relationship between AI and digital assets. He said BlackRock’s research examines how broader AI adoption could create new demand for digital assets.

“Look, according to BlackRock, they’re just figuring it out. Their latest research explores the growing connection between AI and digital assets and explains why broad AI adoption may drive new demand,” he said.

Digital Asset Investor then connected BlackRock’s research to his broader view of the crypto and AI industries. He said he believes BlackRock and other major entities helped develop both sectors from the beginning.

“I contend that BlackRock and others were involved in crypto and AI creation from the very get-go,” he said.

BlackRock XRP Endgame pic.twitter.com/HrvvweqPyH

— Digital Asset Investor (@digitalassetbuy) September 24, 2026

Digital Asset Investor Focuses On XRP

Digital Asset Investor narrowed his comments to XRP. He said he believes BlackRock has been involved with XRP since the asset’s early stages.

“And I think specifically XRP BlackRock’s been involved in since early on,” he said.

The video does not establish that BlackRock participated in XRP’s creation or early development. Digital Asset Investor presented the claim as his own belief and used BlackRock’s current research as part of the broader point he wanted to make about the company’s relationship with digital assets.

He also noted Robert Mitchnick, BlackRock’s head of digital assets, as another part of his reasoning.

Robert Mitchnick’s Ripple Background

Digital Asset Investor specifically referenced Mitchnick’s previous connection to Ripple. He said Mitchnick’s background is significant because of his current role at BlackRock and his earlier work at the company behind XRP.

“It’s not a coincidence the guy that runs BlackRock’s digital assets came from Ripple, Robert Mitchnick,” Digital Asset Investor said.

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He then emphasized his belief that BlackRock and other major participants have understood the crypto sector for a long time. “Write it down. They’ve known a long, long time,” he added.

Digital Asset Investor concluded by reiterating his broader belief about the origins of the crypto and AI industries. “I believe they were involved in the creation of all of this,” he said.

His comments therefore connect three points: BlackRock’s research into AI and digital assets, his belief that the firm has maintained an early connection with XRP, and Mitchnick’s professional background at Ripple. The video presents these points as part of Digital Asset Investor’s broader view of BlackRock’s role in developing the digital asset industry.

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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XRPMoonWalk Connects BlackRock Filing to $100 XRP

In the post, XRPMoonWalk stated that if BlackRock files for a spot XRP ETF “later today or tomorrow,” XRP would “instantly climb to $100.” The crypto enthusiast added that about 35 hours remaining to determine whether the prediction would be correct.

XRPMoonWalk also highlighted a post from another X user, Seer, which read: “XRP Mr Pool: $100 9/5.” The reference appears to connect the $100 price target with September 5 and the broader community’s ongoing attempts to interpret cryptic posts attributed to the account known as Mr Pool.

Within the XRP community, Mr Pool has become associated with posts containing dates, numbers, and other symbols that followers attempt to decode as potential clues about XRP or broader financial developments. However, these interpretations remain speculative, and no established evidence that the account has inside information about XRP or future market events.

September 5 and September 11 Enter the Discussion

XRPMoonWalk further stated that if the expected development does not occur on September 5, “something is lining up for 9/11.” The enthusiast connected September 5 to “Bearableguy,” another figure frequently referenced within XRP-related speculative discussions.

The post stopped short of presenting the dates as confirmed events. Instead, XRPMoonWalk described the theory as a personal feeling, writing that they believed BlackRock may have already filed an application but that the announcement could be temporarily withheld.

No confirmed evidence supporting the claim that BlackRock has secretly filed an XRP ETF and is withholding the information.

BlackRock Remains a Major Point of XRP ETF Speculation

BlackRock’s potential entry into the XRP ETF market has remained speculative because of the firm’s position in the digital-asset investment industry. The asset manager already operates major spot Bitcoin and Ethereum ETF products.

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Recent reporting has continued to note BlackRock’s absence from the XRP ETF race. CoinMarketCap reported that several asset managers recently amended their XRP ETF filings, including Grayscale, Bitwise, Canary, CoinShares, Franklin, 21Shares and WisdomTree, while BlackRock was notably absent.

Earlier reports also indicated that BlackRock had no immediate plans for a U.S. spot XRP ETF, although expectations surrounding a future filing have persisted.

For now, the claim that a BlackRock filing would immediately send XRP to $100 remains highly speculative.

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The interviewer first asks whether BlackRock would pursue another ETF. He then asks, “How about an XRP ETF?” Fink responds, “I can’t.” When the interviewer presses him for an answer, Fink again declines to comment, saying, “I can’t,” before the interview moves on.

Good Evening Crypto accompanied the clip with the comment, “The More I Watch This BlackRock Clip, The More Interesting It Gets For XRP.” The post presents Fink’s refusal to answer as an interesting detail for XRP holders, although the video itself does not confirm that BlackRock plans to launch an XRP ETF.

The More I Watch This BlackRock Clip, The More Interesting It Gets For $XRP … https://t.co/0rIl2vfKBY

— Good Evening Crypto (@AbsGEC) September 4, 2026

BlackRock Still Has No XRP ETF Filing

The clip has gained attention in the expanding spot XRP ETF market, but BlackRock has not filed for a spot XRP ETF. The asset manager continues to concentrate its cryptocurrency ETF offerings on Bitcoin and Ethereum through products such as the iShares Bitcoin Trust and iShares Ethereum Trust.

Meanwhile, other asset managers have already entered the XRP ETF market. Seven spot XRP ETFs, including offerings from 21Shares, Bitwise and Canary Capital, are currently trading. The market has accumulated more than $1.55 billion in net inflows, while total assets stand at roughly $1.4 billion.

Industry analysts and ETF executives have suggested that BlackRock generally prefers to see significant liquidity and scale before entering a new segment. Reports show the firm could be waiting for the broader XRP ETF market to approach $3 billion in assets before considering its own product.

Debate Over the Age of the Video

The post also drew criticism from some users who questioned the footage’s relevance. One commenter, Reckless, said Fink would likely have given the same response if asked about another cryptocurrency, calling the link to XRP speculation.

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Another commenter, Lary_K, focused on the video’s age. He claimed that the interview is almost three years old and argued that using the footage to assess BlackRock’s current position in the cryptocurrency market is misleading.

That distinction remains important because BlackRock’s current ETF strategy provides no direct indication that an XRP product is imminent. The firm has maintained involvement in tokenization through its BUIDL fund and partnerships such as Securitize, including interactions with the broader XRP Ledger ecosystem and RLUSD-related infrastructure.

The resurfaced clip therefore provides another point of interest for XRP observers, but Fink’s comments do not constitute confirmation of a BlackRock XRP ETF. For now, BlackRock remains outside the spot XRP ETF market while competing issuers continue to build assets and liquidity in the sector.

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 BlackRock Angle

The former BlackRock MD pointed to major financial institutions actively adopting Ripple’s technology as the key signal. “I think it’s inevitable,” he said. “It will actually grow.” He added that if big institutions are adopting XRP, “it will succeed.”

Digital Asset Investor extended that logic to ETFs. He stated, “A BlackRock XRP ETF is inevitable.” Nate Geraci, president of The ETF Store, has predicted that BlackRock will file for a spot XRP ETF and a Solana ETF, suggesting the firm may be waiting on a formal regulatory framework before submitting.

XRP $100+ Predictions & BlackRock: Success Inevitable
Watch The Full Youtube Video Here:https://t.co/kgd1OEQkhx pic.twitter.com/V4rJGiVSFG

— Digital Asset Investor (@digitalassetbuy) August 30, 2026

Institutions Are Already Moving

The ETF data supports the conviction. XRP ETFs recorded eight straight days of inflows, pulling in $127 million in August alone. Institutions now hold 1.63% of XRP’s circulating supply. Digital Asset Investor sees that number growing significantly. He asked rhetorically what the price looks like when institutional holdings reach 20%, 30%, or 40%.

XRP’s market cap currently stands near CME Group. Digital Asset Investor noted that companies like BlackRock are paying close attention to XRP and that figure.

The $100 Prediction and Reality Check

On price predictions, Digital Asset Investor took a measured position. He acknowledged that prediction markets on Kalshi place the odds of XRP reaching $6 or above at only 7%. He called talk of “hundreds, thousands of dollars this year” an attempt to generate views rather than serious analysis. His own target, contingent on the passage of the CLARITY Act, sits between $5 and $20.

Seasonal XRP Growth

Historical data from BankXRP (@BankXRP), another well-known commentator, shows XRP finished green in four out of five Septembers since 2021. August 2026 closed up 31.29%. Digital Asset Investor agrees that September could be a strong month for XRP.

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Regulatory Clarity as the Catalyst

Congressman Warren Davidson, speaking on the CLARITY Act, outlined why clear legislation matters. “The remedy is a law so it’s clear this is legal, and that’s illegal,” he said. The act aims to define where crypto sits relative to existing securities and commodities frameworks. Digital Asset Investor believes passage of that legislation is the primary catalyst for the next major price move in XRP.

The former BlackRock executive’s comments, the ETF inflow data, and the regulatory progress all point in the same direction. The institutional case for XRP continues to grow stronger.

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 clip comes from an interview where Dowd speaks directly about large financial institutions adopting Ripple’s technology.

What Dowd Said About Ripple

Dowd made his position clear. He said he believes XRP’s success is inevitable given the direction major institutions are moving. His reasoning centers on adoption. When large companies begin integrating Ripple’s technology into their operations, Dowd sees that as a signal that the network will grow. He stated, “I think it will succeed if these big institutions are adopting it.”

Dowd also acknowledged that XRP carries divided opinion. He noted that “you get people with very different opinions on it,” but suggested that institutional behavior ultimately matters more than public sentiment. For Dowd, large firms’ actions carry more weight than retail debate.

Former BlackRock Managing Director: Ripple / XRP success is inevitable.

When Wall Street's own start saying the quiet part out loud, that's not hype that's institutional consensus forming in real time. https://t.co/ONOMVFbC1m pic.twitter.com/xT3OmqpJSn

— Xaif Crypto (@Xaif_Crypto) August 29, 2026

The Institutional Adoption Argument

The interview also touched on a point that often gets lost in XRP discussions. Ripple doesn’t need to capture the entire payments market to be successful. The interviewer made this explicit, and Dowd agreed. He noted that institutions do not have to be “all in” for the network to generate significant value.

Critics of XRP often point to competitive pressure from other payment networks. Dowd’s position suggests that even a portion of global payment flow through Ripple’s infrastructure represents a substantial outcome. The total addressable market in cross-border payments runs into the trillions annually. A smaller share of that market still produces enormous transaction volume.

The Importance of the Source

Dowd is not a retail investor or anonymous online commentator. He held a senior position at BlackRock, one of the world’s largest asset management firms. When someone with that background says XRP success is inevitable based on institutional adoption trends, it draws more attention than typical crypto commentary.

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CryptoSensei, a prominent figure in the community, replied, “When people from inside traditional finance start saying it out loud, you know the conversation is changing.”

Where XRP Stands

Institutional interest in Ripple’s technology has grown steadily. Several major financial firms have explored or announced integrations with Ripple’s payment infrastructure. Dowd’s comments align with that trajectory. His assessment shows the trend is established enough that the outcome, at this point, is a matter of when rather than if.

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Yet XRP, one of the biggest assets in the crypto space, remains absent from its catalog. Crypto analyst Digital Asset Investor (@digitalassetbuy) believes that absence is temporary.

Nate Garacci’s Position

Digital Asset Investor highlighted a post from Nate Geraci, president of The ETF Store. Geraci called it “still wild” that BlackRock is “refusing to launch spot crypto ETFs other than Bitcoin and Ethereum, not even an index-based crypto ETF.” He cited the firm’s ETF success as the reason the current posture carries risk.

He concluded that he is “standing by my prediction that they capitulate at some point and launch additional spot crypto ETFs.”

BlackRock XRP ETF Showtime
Watch The Full Youtube Video Here:https://t.co/5MGgNGMfcZ pic.twitter.com/kMQcPC7NLb

— Digital Asset Investor (@digitalassetbuy) August 28, 2026

The Robbie Mitchnick Connection

Digital Asset Investor expanded on Garacci’s post, focusing on Robbie Mitchnick. Mitchnick moved from BlackRock to Ripple. He produced a valuation of XRP in 2018 while still at BlackRock. Digital Asset Investor says that document reveals an understanding of XRP’s technical advantages and positions it favorably against Bitcoin.

Digital Asset Investor’s take on Mitchnick is clear: “This guy knows.” He added that Mitchnick “clearly, inside of that valuation, talks about all the advantages.” This report, co-authored by Susan Athey, puts XRP’s fair-market value at $4,813.

Digital Asset Investor claims that institutional knowledge about XRP already exists inside Ripple through someone who came directly from BlackRock.

The XRP ETF Case

BlackRock already knows XRP. A person central to early institutional research on the asset now works at Ripple. The firm has every structural capability to launch a spot XRP ETF, as it has launched similar products before. The only variable is timing.

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Garacci reinforces that point. A firm with 500 ETFs covering nearly every asset class has the infrastructure. The absence of a BlackRock XRP ETF is a choice, not a limitation. Digital Asset Investor believes that choice changes eventually.

Investor Positioning

Digital Asset Investor concluded his commentary with a clear recommendation. He called BlackRock’s current approach a strategic move and told his audience to “lock in.” He views the firm as not ignoring XRP, but managing the sequence of its market entries.

Garacci’s post and Digital Asset Investor’s commentary together show a growing institutional argument. BlackRock’s ETF expansion has a direction. XRP fits the profile of assets the firm has historically moved toward, and it could launch a spot XRP ETF soon.

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Notably, Ripple had a seat at the table, sharing that space with BlackRock, Goldman Sachs, J.P. Morgan, Morgan Stanley, HSBC, Barclays, UBS, and more. Crypto commentator BankXRP (@BankXRP) shared the official taskforce member list on social media, highlighting the scale of institutional participation.

The image shows Ripple listed alongside some of the most powerful names in global finance, a coalition targeting up to £33 billion in additional UK economic output by 2035.

Ripple joins BlackRock and J.P. Morgan to tokenize £33 billion UK debt https://t.co/RuBktLpwXs pic.twitter.com/tihBuZuO1x

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) July 13, 2026

Ripple’s Role Goes Beyond Membership

Ripple is not simply a name on a list. The company has a defined operational role within the taskforce. Ripple is actively contributing to building secondary markets, tokenizing collateral, and supporting the issuance of the UK Digital Gilt Instrument, known as DIGIT, over the next 12 months.

The DIGIT pilot is central to the taskforce’s ambitions. Its success would make the UK the first G7 nation to issue tokenized sovereign debt. The taskforce has set a live tokenized repo trial by spring 2027 as its first milestone, with fixed income and derivatives to follow.

Ripple’s Credentials Speak for Themselves

Ripple’s acquisition of prime broker Hidden Road for $1.25 billion features in the Treasury-backed report as evidence of institutional-grade infrastructure converging with crypto-native capabilities. Santander UK’s white-label use of Ripple’s rails receives similar recognition.

Ripple’s track record with these same institutions runs deeper still. In May, it completed the first cross-border tokenized Treasury settlement on the XRP Ledger alongside Ondo Finance, Mastercard, and J.P. Morgan.

The XRP Ledger as Financial Infrastructure

Ripple has positioned the XRP Ledger as the underlying infrastructure for this new financial era. Earlier in 2026, Ripple partnered with Aviva Investors to launch tokenized traditional funds on the XRP Ledger. Through tokenized instruments on the XRPL, the company can offer a cheaper, better, and faster alternative to legacy equivalents.

The taskforce’s projected global market for tokenized real-world assets sits at $88 trillion by 2035. Ripple is one of only a handful of crypto-native firms granted full participation in the coalition driving that shift. The gap between XRP as a payments asset and XRP as institutional financial infrastructure is closing.

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