stablecoins · X 热门 · 2026-09-16 19:21 UTC

# stablecoins — X 热门讨论 (2026-09-16 19:21 UTC)

## @binance (Binance) · 09-16 19:12 · ♥80 ↻20 💬36 What to Know About the CLARITY Act and What Happens Next https://x.com/binance/status/2100301723730428392

## @COTInetwork (COTI Foundation) · 09-16 18:50 · ♥84 ↻23 💬5 COTI privacy is live on Avalanche 🔺 Introducing Privacy Built for Business on @avax

→ Ready for L1s, institutions, and builders → Private by default, auditable when required → Privacy Portal & private stablecoins now live

Read more 👇 > 引用 @COTInetwork: COTI x Avalanche: Privacy Built for Business https://x.com/COTInetwork/status/2100296348713079204

## @solana (Solana) · 09-16 19:06 · ♥83 ↻9 💬26 BREAKING: @column, the FDIC-insured bank behind Brex and Slash, has built stablecoins directly into its banking core.

USDC and USDT on Solana, convertible to and from dollars 24/7, instantly. https://t.co/vdrO1dk1Vz > 引用 @williamhockey: We started @column with the insane idea to rebuild every component of the financial system from scratch. Today, I think we've finally completed that build.

We're releasing four new products, so any technology company can build at the frontier of financial services. https://t.co/Eq3ySD2Ksp https://x.com/solana/status/2100300307691655523

## @TheMysti (Mysti) · 09-16 18:16 · ♥48 ↻11 💬38 Arc went live today and @OpenSea supported it on day one

That caught my attention because OpenSea started as a place to trade NFTs. Now it increasingly sits across tokens, stocks, perps and new chains built for stablecoins and tokenised assets.

The bullish story may be that ‘NFT marketplaces’ are slowly becoming something much broader than marketplaces for NFTs. https://x.com/TheMysti/status/2100287779213349286

## @Xfinancebull (X Finance Bull) · 09-16 18:01 · ♥46 ↻4 💬5 Imagine being able to buy $XRP and $XLM under $2 right now. Years from now, I think we’ll look back at this level and wonder how it was possible.

For years people argued over which blockchain would “win.”

I’m starting to think that was the wrong question.

The future Will Peck described on this interview on the rollup looks much bigger than one chain replacing everything.

DTCC processed approximately $4.7 quadrillion of securities transactions in 2025 and provided custody and asset servicing for roughly $114 trillion of securities.

Now that same institution is building a multi-chain tokenization system.

That changes how I look at $XLM and $XRP.

Stellar already has the clearest connection.

DTCC plans to make DTC-tokenized assets available through Stellar during the first half of 2027.

Think about what could exist inside that environment:

Treasuries.

Russell 1000 securities.

Major-index ETFs.

WisdomTree digital funds.

Stablecoins.

Ondo assets.

Private credit.

And Stellar already has an institutional ecosystem around those categories.

WisdomTree is there.

Franklin Templeton is there.

Ondo is there.

Stellar’s institutional report counted around $1.4 billion of tokenized RWAs across 67 products from 10 regulated issuers, while Tradable committed to bring up to $1 billion of private credit onto the network.

Now look at XRPL from another angle.

Ripple Prime sits in DTCC’s Industry Working Group.

Oasis Pro Markets became the first tokenization platform admitted to DTCC Fund/SERV.

Ondo OUSG already operates on XRPL.

RLUSD provides the dollar side of subscriptions and redemptions.

Guggenheim Treasury Services brought Digital Commercial Paper onto XRPL.

XRPL is also building Credentials, Permissioned Domains, Multi-Purpose Tokens, permissioned trading and lending infrastructure.

That’s why I don’t see $XRP and $XLM competing for the exact same seat.

I can see Stellar becoming an important distribution rail for regulated tokenized securities.

I can see XRPL becoming a powerful environment around liquidity, stablecoins, credit, fixed income and settlement.

Different jobs. Same transformation.

And after watching crypto for years, this is the kind of development that excites me most.

Not another temporary narrative.

The financial system itself is changing shape.

$XRP $XLM > 引用 @Xfinancebull: 🚨🚨🚨 Why is anyone bearish on $XRP right now? Look at what BlackRock just did in Hong Kong, then follow every connection back to XRPL.

LONG READ AHEAD‼️ YOU’LL WANT TO READ THIS TO THE END.

This one made me sit with the details for a while because the headline alone doesn't tell the real story.

BlackRock is launching its first tokenized fund in Hong Kong and the wider Asia-Pacific region.

The fund is built around HKD liquidity.

Investors can subscribe and redeem using traditional cash or digital forms of money.

Standard Chartered is doing the heavy lifting across custody, administration, trustee services and tokenization.

And HKDAP, issued by Standard Chartered-led AnchorPoint Financial, becomes part of the digital-cash layer.

That sounds like a BlackRock story.

But once I started tracing the companies and products involved, it turned into an XRP story for me.

Not because BlackRock has suddenly announced an XRPL fund.

Because the financial architecture BlackRock is choosing is colliding with things already happening around XRPL.

The easiest place to see it is Ondo.

Ondo's OUSG sits on XRP Ledger.

Qualified institutional investors can use RLUSD to subscribe and redeem around the clock.

OUSG itself holds institutional assets from multiple managers.

One of the biggest components is BlackRock BUIDL.

As of September 10, Ondo had roughly $335.9M of underlying OUSG assets, with around $101.6M in BlackRock BUIDL.

That is almost one-third of OUSG.

So you already have BlackRock-managed exposure embedded inside a tokenized Treasury product operating on XRPL.

Then the May transaction showed what can happen once that product becomes connected to the rest of finance.

Ripple, Ondo, Mastercard and Kinexys by J.P. Morgan executed a real cross-border redemption.

XRPL settled its asset leg in under five seconds.

Mastercard moved the payment instructions.

J.P. Morgan infrastructure handled the bank side.

The fiat arrived through traditional correspondent banking.

I keep coming back to that transaction because it explains what I think the next financial system looks like.

It is not:

blockchain destroys banking.

It is:

blockchain becomes another layer inside banking.

-The bank stays. -The asset manager stays. -The custodian stays. -The currency stays.

But settlement becomes programmable.

-Assets move faster. -Cash becomes digital. -Collateral becomes mobile. -Different systems start communicating.

Now fast-forward to BlackRock's Hong Kong product.

Same pattern.

-Institutional fund. -Digital cash. -Bank custody. -Tokenization. -Onchain redemption.

The architecture is starting to repeat across markets.

And the more it repeats, the more important the infrastructure connecting those markets becomes.

This is where Standard Chartered becomes one of the most interesting names in the whole story.

Standard Chartered is deeply involved with BlackRock's new tokenized fund.

But this is also a bank that has known Ripple for years.

-It invested directly in Ripple. -It was involved in Ripple's global-payments initiatives. -It deployed Ripple-related corporate-payment infrastructure.

And today its digital-asset strategy spans far beyond payments.

Look at Zodia Custody, originally built with Northern Trust.

Institutional XRP custody is already part of that world.

Then look at XSGD.

StraitsX's Singapore-dollar stablecoin exists on XRPL.

Part of the reserve banking infrastructure involves Standard Chartered alongside DBS.

So Standard Chartered today touches:

an XRPL stablecoin reserve relationship, institutional XRP custody, tokenization, digital cash, and now BlackRock's first tokenized Asia-Pacific fund.

That is a very different picture from Standard Chartered being some distant bank with no connection to XRP.

And now Standard Chartered-led AnchorPoint has another digital currency:

HKDAP.

HKDAP is the piece BlackRock is using in Hong Kong.

Think about how powerful this becomes as a model.

-RLUSD gives you tokenized USD. -XSGD gives you tokenized SGD. -HKDAP gives you tokenized HKD.

MXNB through Bitso gives the Ripple ecosystem a Mexican-peso digital-money direction.

These are all different currencies.

And that is exactly why XRP can matter.

The biggest misconception I still see is people assuming stablecoins compete with XRP.

I see the opposite possibility.

If every country ends up with its own digital cash, you create a giant matrix of markets.

-USD/HKD. -USD/SGD. -USD/MXN. -HKD/SGD. -SGD/MXN.

And then layer tokenized financial assets on top.

-BlackRock funds. -U.S. Treasuries. -Corporate credit. -Other money-market funds. -Private assets. -Potentially equities.

Now there are hundreds or eventually thousands of pools.

That is where liquidity routing becomes valuable.

If two pools have deep direct liquidity, great.

If they don't, an intermediary bridge can reduce the amount of capital that has to sit everywhere.

That is the old XRP argument, except now the market around it is finally becoming tokenized enough for the argument to be tested properly.

And that is what excites me.

Back when people first talked about XRP bridging currencies, most of the world's money still lived in closed banking databases.

Now the MONEY itself is becoming programmable.

That creates a much more natural environment for XRPL.

-BlackRock is putting funds onchain. -Standard Chartered is building digital cash. -Ondo is distributing institutional products onchain. -Ripple is building stablecoins and payment infrastructure. -Mastercard is connecting blockchain to payments. -J.P. Morgan is connecting blockchain to banking settlement.

This is not some future concept anymore.

We are watching each layer appear one by one.

Then there is BlackRock's earlier collaboration with Standard Chartered and OKX.

BlackRock BUIDL became usable as institutional yield-bearing collateral.

That detail matters more to me than people realize.

An asset becomes much more important when it stops simply sitting there.

When BUIDL can serve as collateral, it enters the machinery of finance.

-Borrowing. -Liquidity. -Margin. -Capital efficiency.

This is where tokenization becomes useful rather than decorative.

And Ripple is moving XRPL into that same type of financial environment.

Tokenized Treasuries are already there through Ondo.

RLUSD provides a stable settlement asset.

XSGD gives another fiat currency.

The native DEX gives exchange infrastructure.

Credentials and Permissioned Domains create tools for institutional access controls.

Ripple's wider strategy is expanding around institutional liquidity and credit.

All of these things begin connecting.

This is why I think people looking only for one gigantic announcement are missing how institutional adoption works.

A bank doesn't wake up tomorrow and say:

“We have replaced everything with XRPL.”

Instead:

an asset manager puts one fund onchain.

-A bank supports one regulated stablecoin. -A custodian supports XRP. -A Treasury product lands on XRPL. -A stablecoin becomes the redemption asset. -A Mastercard network routes instructions. -A J.P. Morgan system handles another leg.

Then another jurisdiction adopts the same architecture.

Then eventually these systems start becoming interoperable.

That is how change spreads through financial infrastructure.

Slowly at first.

Then suddenly the number of connections becomes impossible to ignore.

And BlackRock has enough scale that every repetition of this model matters.

The company manages roughly $15.3T.

Its first-half 2026 net inflows were around $321B.

When a company that large keeps moving deeper into tokenized funds and tokenized collateral, it tells me the direction has been decided.

The competition now is about rails.

-Who handles the asset? -Who handles the cash? -Who handles custody? -Who handles data? -Who handles settlement? -Who handles liquidity? -Who connects different ledgers and currencies?

This is where I put XRP.

Not at the center because I want it to be there.

At the liquidity layer because that's where its design fits.

And the more fragmented the tokenized world becomes, the more valuable neutral routing can become.

I can imagine an institution holding a BlackRock-linked tokenized asset through Ondo on XRPL.

It may want to redeem into RLUSD.

-Another institution may hold XSGD. -Another may operate in HKD. -Another may want Treasury exposure. -Another may want liquidity in MXN.

One network does not need to own everything.

But someone needs to move value between all of it.

That is why I care much more about financial interoperability than some headline saying one chain “won.”

And Standard Chartered is giving us a fascinating bridge between these worlds.

Historical Ripple relationship.

-Institutional XRP custody. -XSGD reserve infrastructure. -BlackRock tokenization.

HKDAP.

Hong Kong digital funds.

That is a lot of overlapping infrastructure.

Then add Ondo.

BlackRock BUIDL inside OUSG.

OUSG on XRP Ledger.

RLUSD subscription and redemption.

Ripple participating in liquidity.

Mastercard and J.P. Morgan already touching an institutional redemption.

Again, I am not waiting for someone to hand me a perfect straight line.

The financial system is forming through networks of relationships.

And XRP Ledger is increasingly inside that network.

The catalyst I would watch hardest from here is additional regulated currencies arriving on XRPL.

Imagine if the ledger eventually supports a much wider currency map.

USD. SGD. MXN. HKD. Others.

Now combine that with tokenized assets.

-Treasuries. -Funds. -Credit. -Collateral.

The native XRP liquidity layer becomes more interesting with every additional pair.

This is what I mean when I say the stablecoin boom can actually strengthen XRP's long-term utility thesis.

One stablecoin is easy.

Fifty currencies represented digitally is a routing problem.

Hundreds of tokenized financial assets sitting beside them makes it a bigger routing problem.

And XRPL was built to route value.

That is the part I think the market still hasn't fully priced into the XRP narrative.

People still talk about XRP like it has to beat the dollar.

No.

-Let the dollar win. -Let HKD win. -Let SGD win. -Let tokenized Treasuries grow. -Let BlackRock put more products onchain. -Let banks create more regulated digital money.

The larger that ecosystem becomes, the larger the need to efficiently move between the pieces.

That is where $XRP can win.

And this BlackRock announcement is one more sign that the world required for that thesis is no longer theoretical.

BlackRock is tokenizing assets.

Standard Chartered is tokenizing money and providing custody.

Ondo is moving institutional assets onto XRPL.

Ripple is putting regulated dollar liquidity beside them.

Mastercard and J.P. Morgan have already touched the same transaction flow.

XRP sits natively inside the ledger connecting those financial products.

That is why I am still paying attention.

Not because one headline guarantees anything.

Because the infrastructure surrounding $XRP is becoming far more serious, far more institutional and far more connected than the market most people remember from the previous cycle.

And if all these pieces eventually start interacting at scale, the question won't be:

“Why does XRP need to exist?”

It will be:

“Which route gives institutions the fastest and most capital-efficient way to move between all this digital money and all these tokenized assets?”

That is the question $XRP was built to answer. https://x.com/Xfinancebull/status/2100283827025498285