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Crypto industry trade associations are meeting today with the Senate Banking Committee to review the legislative text of a compromise on stablecoin yield/rewards. Bank representatives follow tomorrow (March 24).
This is the direct result of a deal brokered last week between:
Senators Thom Tillis (R-NC) and Angela Alsobrooks (D-MD)
The White House Crypto Council
The compromise unblocks the CLARITY Act (the Senateโs comprehensive digital asset market structure bill). Itโs been stalled since January 2026 mainly over one issue: whether crypto platforms can pay customers yield or rewards on stablecoin holdings.
The Core Compromise (Still Under Wraps, But Hereโs What We Know)
Banks have been fiercely opposed, arguing that stablecoin yield causes customer deposits to flee traditional banks and hurts lending. The expected language:
Likely bans passive/idle-balance yield (anything that โsounds like bankingโ).
May still allow activity-based rewards (subject to review).
Senator Cynthia Lummis (R-WY) has already signaled: โAnything that sounds like banking product terminology will not appear.โ
Crypto reps get their first look today; banks tomorrow. Reaction from both sides will shape the final text.
Why This Matters (Bigger Picture)
This was the last major roadblock to advancing the CLARITY Act.
Once cleared, the Senate Banking Committee is targeting a markup (amendments + vote) before the end of April (after Easter recess).
The bill would create clear federal rules on:
Digital commodities vs. securities
DeFi
Token classification
Tokenization
Stablecoin regulation (building on the already-passed GENIUS Act)
Itโs bipartisan, has White House involvement, and Chairman Tim Scott (R-SC) has called it a priority to make America the โcrypto capital of the world.โ
This is the direct result of a deal brokered last week between:
Senators Thom Tillis (R-NC) and Angela Alsobrooks (D-MD)
The White House Crypto Council
The compromise unblocks the CLARITY Act (the Senateโs comprehensive digital asset market structure bill). Itโs been stalled since January 2026 mainly over one issue: whether crypto platforms can pay customers yield or rewards on stablecoin holdings.
The Core Compromise (Still Under Wraps, But Hereโs What We Know)
Banks have been fiercely opposed, arguing that stablecoin yield causes customer deposits to flee traditional banks and hurts lending. The expected language:
Likely bans passive/idle-balance yield (anything that โsounds like bankingโ).
May still allow activity-based rewards (subject to review).
Senator Cynthia Lummis (R-WY) has already signaled: โAnything that sounds like banking product terminology will not appear.โ
Crypto reps get their first look today; banks tomorrow. Reaction from both sides will shape the final text.
Why This Matters (Bigger Picture)
This was the last major roadblock to advancing the CLARITY Act.
Once cleared, the Senate Banking Committee is targeting a markup (amendments + vote) before the end of April (after Easter recess).
The bill would create clear federal rules on:
Digital commodities vs. securities
DeFi
Token classification
Tokenization
Stablecoin regulation (building on the already-passed GENIUS Act)
Itโs bipartisan, has White House involvement, and Chairman Tim Scott (R-SC) has called it a priority to make America the โcrypto capital of the world.โ
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๐ X Money WHAT ELON MUSK SAID
โข March 10, 2026: "X Money early public access will launch next month"
โข Post reached 64.9 million views
โข His goal: "Make X a $250 billion payments company"
โข "If it involves money, it'll be on our platform. You won't need a bank account."
๐ WHAT X MONEY OFFERS
โข P2P instant transfers between users
โข Direct deposit โ receive salary straight to X wallet
โข Debit card with cashback
โข 6% APY on balances โ higher than any US bank savings account
โข Visa Direct integration โ first official partner
โข Money transmitter licenses in 41 US states
๐ CRYPTO INTEGRATION
โข Launch: fiat only
โข But Nikita Bier (X Head of Product) confirmed: "crypto and stock data tools will follow"
โข Musk reposted third-party forecast including "crypto integration"
โข DOGE surged immediately after announcement
โข Official confirmation pending โ but the signals are clear
๐ WHY THIS MATTERS FOR XRP & XLM
โข X Money ร Visa Direct ร Cross River Bank โ Ripple connection
โข 557M users exposed to digital payment rails overnight
โข $XRP = wholesale settlement behind the scenes (B2B)
โข $XLM = retail payment layer (B2C) โ Visa, Mastercard, PayPal, now X
โข 6% APY collides directly with CLARITY Act bank lobby war
โข Musk is forcing the "stablecoin yield" debate into the mainstream
In 1998, Elon Musk co-founded X.com.
It became PayPal โ and changed payments forever.
In 2026, he's doing it again.
557,000,000 users. One app. No bank required. ๐
#XRP #XLM #XMoney #ElonMusk #CryptoForecast #BullRun2026
โข March 10, 2026: "X Money early public access will launch next month"
โข Post reached 64.9 million views
โข His goal: "Make X a $250 billion payments company"
โข "If it involves money, it'll be on our platform. You won't need a bank account."
๐ WHAT X MONEY OFFERS
โข P2P instant transfers between users
โข Direct deposit โ receive salary straight to X wallet
โข Debit card with cashback
โข 6% APY on balances โ higher than any US bank savings account
โข Visa Direct integration โ first official partner
โข Money transmitter licenses in 41 US states
๐ CRYPTO INTEGRATION
โข Launch: fiat only
โข But Nikita Bier (X Head of Product) confirmed: "crypto and stock data tools will follow"
โข Musk reposted third-party forecast including "crypto integration"
โข DOGE surged immediately after announcement
โข Official confirmation pending โ but the signals are clear
๐ WHY THIS MATTERS FOR XRP & XLM
โข X Money ร Visa Direct ร Cross River Bank โ Ripple connection
โข 557M users exposed to digital payment rails overnight
โข $XRP = wholesale settlement behind the scenes (B2B)
โข $XLM = retail payment layer (B2C) โ Visa, Mastercard, PayPal, now X
โข 6% APY collides directly with CLARITY Act bank lobby war
โข Musk is forcing the "stablecoin yield" debate into the mainstream
In 1998, Elon Musk co-founded X.com.
It became PayPal โ and changed payments forever.
In 2026, he's doing it again.
557,000,000 users. One app. No bank required. ๐
#XRP #XLM #XMoney #ElonMusk #CryptoForecast #BullRun2026
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ICE has helped totally CLEAR OUT the TSA lines at Southwest Florida Airport
"This morning, travelers experienced a wait time, but since I got here, the lines are moving SMOOTH."
"COMPLETELY empty!"
"This morning, travelers experienced a wait time, but since I got here, the lines are moving SMOOTH."
"COMPLETELY empty!"
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Radical activists are screaming at ICE agents during a detention of a woman whoโs in the country illegally.
She had a young child with her and claimed it was her daughter, but couldnโt provide any documentation.
Situations like this are exactly why agents have to verify everything.
People underestimate how often children are brought across the border without clear proof of parentage or legal status and then go on to be trafficked.
She had a young child with her and claimed it was her daughter, but couldnโt provide any documentation.
Situations like this are exactly why agents have to verify everything.
People underestimate how often children are brought across the border without clear proof of parentage or legal status and then go on to be trafficked.
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๐จ JUST IN: Africans and Indians are FURIOUS after trying to go to Nayib Bukele's El Salvdor, but realizing they charge a $1,000+ "airport IMPROVEMENT FEE" before they can enter the country
"If you are Indian, do not travel to El Salvador!" ๐๐ฅ
"If you are Indian, do not travel to El Salvador!" ๐๐ฅ
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Iran just released this video!
๐ฅ ๐ฅ ๐ฅ
What are we supposed to think about this?
What are we supposed to think about this?
Please open Telegram to view this post
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THE BANK FOR INTERNATIONAL SETTLEMENTS (BIS) ๐ฆ HAS REVEALED THAT #XRP NOW RANKS AMONG THE TOP FIVE CRYPTO ASSETS BANKS REPORT EXPOSURE TO, MARKING A NOTABLE STEP INTO THE CORE OF INSTITUTIONAL FINANCE! ๐๐ผ
https://coinpaper.com/15674/bis-reveals-xrp-has-broken-into-banks-top-5-crypto-exposures
https://coinpaper.com/15674/bis-reveals-xrp-has-broken-into-banks-top-5-crypto-exposures
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Franklin Templetonโs tokenized funds (often referred to in this context as tokenized ETFs or money market funds) trade 24/7 directly in crypto wallets because the underlying shares are issued as blockchain tokens on the XRP Ledger (XRPL).
This is part of a partnership Franklin Templeton announced in September 2025 with Ripple and Singaporeโs largest bank, DBS. The key product is sgBENJI โ the tokenized version of Franklin Templetonโs U.S. dollar short-term money market fund (Franklin OnChain U.S. Dollar Short-Term Money Market Fund). These tokens are:
Issued directly on the XRP Ledger (a public, enterprise-grade blockchain).
Listed on DBS Digital Exchange (DDEx) alongside Rippleโs RLUSD stablecoin.
Tradable 24/7/365 by accredited/institutional investors in crypto wallets that support XRPL.
Settle instantly with atomic, low-cost transactions (no traditional T+1 or T+2 clearing).
This setup lets investors swap stablecoins for tokenized fund shares in minutes, earn yield on โstableโ assets during volatility, use the tokens as collateral for lending/repo trades, and move them peer-to-peer โ all without leaving the blockchain.
Where Ripple and XRP fit into the equation
Ripple (the company): Ripple Labs is the fintech firm that originally developed the XRP Ledger and continues to drive its enterprise adoption. In this deal, Ripple provides the blockchain infrastructure (XRPL), its RLUSD USD stablecoin (used as the trading pair and liquidity layer), and the overall ecosystem for tokenized real-world assets (RWAs). Rippleโs role is the bridge that lets a traditional $1.6T+ asset manager like Franklin Templeton bring regulated money-market fund shares โon-chainโ in a compliant, scalable way. Franklin has explicitly highlighted XRPL as a โpayments-first blockchainโ that enables real-time, low-cost global settlement โ exactly what makes 24/7 wallet trading possible.
XRP (the digital asset): XRP is the native cryptocurrency of the XRP Ledger. It is not the tokenized ETF itself (the fund shares are sgBENJI tokens), but it powers the entire network:
Pays tiny transaction fees (fractions of a cent).
Provides on-ledger liquidity for fast, cheap cross-border and on-chain transfers.
Enables the instant settlement and atomic swaps that make 24/7 trading in wallets seamless.
Acts as a neutral bridge asset in broader XRPL DeFi and payments use cases.
In short: XRPL + XRP = the rails that Franklin Templeton is using to tokenize its funds so they behave like native crypto assets (24/7, wallet-native, programmable). This is separate from (but complementary to) Franklin Templetonโs spot XRP ETF (ticker: XRPZ), which simply holds physical XRP for traditional stock-exchange investors.
Why this matters
Traditional ETFs/funds normally settle only during stock-market hours and require brokers/custodians. By tokenizing on XRPL, Franklin Templeton turns fund shares into borderless, instantly transferable digital assets โ exactly the โreal-world assetโ (RWA) tokenization trend that Wall Street is racing toward. Ripple/XRP supply the proven, battle-tested public blockchain that already handles billions in daily volume with institutional-grade speed and cost efficiency.
This is one of the clearest examples yet of traditional finance (TradFi) and crypto infrastructure converging: Franklin brings the regulated money-market product, DBS brings the distribution to institutions, and Ripple + XRP Ledger bring the 24/7 blockchain rails that make it all work in your crypto wallet.
This is part of a partnership Franklin Templeton announced in September 2025 with Ripple and Singaporeโs largest bank, DBS. The key product is sgBENJI โ the tokenized version of Franklin Templetonโs U.S. dollar short-term money market fund (Franklin OnChain U.S. Dollar Short-Term Money Market Fund). These tokens are:
Issued directly on the XRP Ledger (a public, enterprise-grade blockchain).
Listed on DBS Digital Exchange (DDEx) alongside Rippleโs RLUSD stablecoin.
Tradable 24/7/365 by accredited/institutional investors in crypto wallets that support XRPL.
Settle instantly with atomic, low-cost transactions (no traditional T+1 or T+2 clearing).
This setup lets investors swap stablecoins for tokenized fund shares in minutes, earn yield on โstableโ assets during volatility, use the tokens as collateral for lending/repo trades, and move them peer-to-peer โ all without leaving the blockchain.
Where Ripple and XRP fit into the equation
Ripple (the company): Ripple Labs is the fintech firm that originally developed the XRP Ledger and continues to drive its enterprise adoption. In this deal, Ripple provides the blockchain infrastructure (XRPL), its RLUSD USD stablecoin (used as the trading pair and liquidity layer), and the overall ecosystem for tokenized real-world assets (RWAs). Rippleโs role is the bridge that lets a traditional $1.6T+ asset manager like Franklin Templeton bring regulated money-market fund shares โon-chainโ in a compliant, scalable way. Franklin has explicitly highlighted XRPL as a โpayments-first blockchainโ that enables real-time, low-cost global settlement โ exactly what makes 24/7 wallet trading possible.
XRP (the digital asset): XRP is the native cryptocurrency of the XRP Ledger. It is not the tokenized ETF itself (the fund shares are sgBENJI tokens), but it powers the entire network:
Pays tiny transaction fees (fractions of a cent).
Provides on-ledger liquidity for fast, cheap cross-border and on-chain transfers.
Enables the instant settlement and atomic swaps that make 24/7 trading in wallets seamless.
Acts as a neutral bridge asset in broader XRPL DeFi and payments use cases.
In short: XRPL + XRP = the rails that Franklin Templeton is using to tokenize its funds so they behave like native crypto assets (24/7, wallet-native, programmable). This is separate from (but complementary to) Franklin Templetonโs spot XRP ETF (ticker: XRPZ), which simply holds physical XRP for traditional stock-exchange investors.
Why this matters
Traditional ETFs/funds normally settle only during stock-market hours and require brokers/custodians. By tokenizing on XRPL, Franklin Templeton turns fund shares into borderless, instantly transferable digital assets โ exactly the โreal-world assetโ (RWA) tokenization trend that Wall Street is racing toward. Ripple/XRP supply the proven, battle-tested public blockchain that already handles billions in daily volume with institutional-grade speed and cost efficiency.
This is one of the clearest examples yet of traditional finance (TradFi) and crypto infrastructure converging: Franklin brings the regulated money-market product, DBS brings the distribution to institutions, and Ripple + XRP Ledger bring the 24/7 blockchain rails that make it all work in your crypto wallet.
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Oncologist Dr. Angus Dalgleish points out that the Pfizer mRNA injections "are all full of SV40".
"SV40 was whatโin my dayโwe put into mice to make them grow tumours... and we're putting this into humans."
"These people behind Moderna and Pfizer are just pure, pure evil and they must be held to account."
"SV40 was whatโin my dayโwe put into mice to make them grow tumours... and we're putting this into humans."
"These people behind Moderna and Pfizer are just pure, pure evil and they must be held to account."
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British political strategist Thomas Corbett-Dillon caused an uproar recently by suggesting that indigenous Brits are the victims of "a genocide".
"There is an indigenous population that have lived on that island for thousands of years."
"It is being taken over by different people that are not indigenous to that land, and I think that's a sad thing to happen."
"If there was an island of indigenous people in the Pacific, and all of a sudden a bunch of white people moved there and were having babies, and the number one name in that country became Tom... the UN would be there saying this is outrageous."
"But do it to England and no one seems to care."
"There is an indigenous population that have lived on that island for thousands of years."
"It is being taken over by different people that are not indigenous to that land, and I think that's a sad thing to happen."
"If there was an island of indigenous people in the Pacific, and all of a sudden a bunch of white people moved there and were having babies, and the number one name in that country became Tom... the UN would be there saying this is outrageous."
"But do it to England and no one seems to care."
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Raise your hand โ๏ธ if you think this 23 yr old punk Kamel Hawkins should spend the rest of his life in prison for pushing this 45 yr old man in front of an incoming train in (NYC)
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