XLM VS. XRP TOKENIZING TRILLIONS!?

Abs and Johnny Krypto talk about how RIPPLE & STELLAR PLAN TO REVOLUTIONIZE WALL ST!

Transcript

SPEAKER_00 0:00

Massive update for American crypto investors. The United States House of Financial Services subcommittee just confirmed a Clarity Act meeting is happening on July 17th. And during today's episode, we're going to be breaking down just how likely it is that the Clarity Act is signed by President Trump before the end of the summer in 2026. With the Clarity Act having officially been introduced here, we're now approaching the final stages before a Senate vote. And during today's episode, we're going to be highlighting just how likely it is this makes it through the Senate and onto President Trump's desk. We're also going to be breaking down how the DTCC just officially chose Stellar for the tokenization of real world assets. But once again, XRP is also involved in these conversations. Well, during today's show, we're going to be showing you a brand new breakdown out of Jay Claver and our friend Jesse from Apex Crypto Trading that highlight how Ripple was always a part of the plan and the interoperability layer for the DTCC. Hello and welcome back to another episode of Good Evening Crypto, your favorite crypto news related channel. If you enjoy this content, smash that like button and subscribe as you're going to get an update every single day, 5 30 p.m. Eastern time. And we're going to waste no time diving straight into this content we have prepared for today, but I would encourage all of our listeners to stick around until the end of the episode as you're going to see how XLM and XRP are working together to bring TradFi into the crypto space. But to kick off today's show, I wanted to give you guys an update on the state of the Clarity Act today. As the United States House of Financial Services subcommittee just announced an official Clarity Act meeting for July 17th, 2026. Now, no, this isn't the final Senate vote, but it is a pivotal discussion that happens before the Senate meets to break down these key issues. And now with us entering the final stages for the Clarity Act here in the summer of 2026, we're going to be watching these headlines and how they develop very closely. But the committee hearings are mostly done as the House already passed last year and the Senate committee approved this bill, but the full House vote is already done as well. That's why this final hearing here is so important. Because after this final hearing in the U.S. House, we are going to see a full Senate vote and potentially President Trump sign this bill by the end of the summer. Now, that August 3rd deadline is going to be very important for our listeners to keep an eye on because after August 3rd, Congress goes on recess, and it's very likely that the Clarity Act gets addressed once again until October at best. But I want to hear from you guys. Do you believe the Clarity Act will be signed in the calendar year of 2026? One's for yes, two's for no. Johnny, what are some of your thoughts on this one?

SPEAKER_01 2:24

This is a very critical thing. So obviously we've got the rework going back to the House again. They already passed the bill, but now it's going to come back to them very differently. And that's why they have this reconciliation state. They have to go and reconcile it and kind of say, okay, well, we're okay with these changes, or you know, are they going to go and make their changes? And so this is where it can get a little hairy, a little messy. Hopefully it's close enough, abs, where you know, the two sides kind of know right now how critical uh the the documents being pushed. So I'm hoping that they're actually working through this. So when they get to there, to this point where we come to reconcile, we're not that far apart. Because the House bill and the Senate bill, you don't want them being too far apart. If they're too far apart, then the reconciliation could that could also delay in driving. We want to minimize those delays. So I'm hoping that Patrick Witt, which we heard Senator Loomis say today, that he's done a very, very good job of keeping everybody on the same page and sharing back and forth. Hopefully, he's also keeping the house in the loop so that there's no surprises when they get the bill. And hopefully these guys are almost ready to kind of work on solutions rather than get, you know, get shocked of oh my god, what's in this bill now? How did this change significantly? Because remember, they're not sitting there, you don't have all these seminars working on this stuff all the time. There's a small subcommittee that's working. The rest don't know until they know. And that's what you don't want. It's a big surprise, and the next thing that we get hung up. I think because this has been there's been so much focus on this app, I think that hopefully this process will go smooth. Um, and we're gonna know a lot at the end of this week because we got the special meetings going on, which I think will help unveil, you know, how how much of a challenge we're gonna have. And then, of course, that 17th meeting will be another good one to keep an eye on to see if this thing's gonna happen by the end of August.

SPEAKER_00 4:03

Well, that's exactly what I was gonna emphasize, Johnny Crypto, is that we're gonna get some significant answers in the next 48 hours, as the Senate has until Thursday afternoon to resolve the Clarity Act before a two-week recess hits these markets. And as we know, June 22nd to June 26th was always the key deadline that we were watching here on Good Evening Crypto. If it doesn't get done this week, we're gonna have to change our game plans here, guys. But if you're enjoying this content, smash that like button as we're about to get into the most exciting part of today's episode, the comparison between XLM and XRP. Now, for long-term crypto investors, we know these are two projects that have always moved together. But with the DTCC now confirming their tokenizing assets using XLM, does that mean that XRP is now stuck on the sidelines? Well, according to industry expert Jay Claver here, guys, the answer is a definitive no. These two projects were always built to work together, and that's what's coming together here in the summer of 2026. But with that being said, we're gonna watch this brand new clip and break it down.

SPEAKER_03 4:58

Here it is. The relationship between the DTCC and Stellar actually stretches almost a decade. In 2023, DTCC acquired a company called Securrency and they rebranded it as DTCC Digital Assets. So, what is Stellar and the XRP connection? Well, they also have a very shared history, just like the DTCC and Stellar. Stellar was founded in 2014 by Jet McHaylor. And if his name sounds familiar, it's because Jed was a co-founder of Ripple back in 2012, but he left Ripple in 2013 and created Stellar a year later. Both networks were designed from the ground up to solve cross-border payment. And really, Stellar is almost a direct replica of the XRPL. Even though they have sword band smart contracts and been a bit more progressive on some of the DeFi and things that they've implemented on that network, a lot of the underlying infrastructure and the way that it's been created almost exactly the same. So let's talk about the technical issues. They have very similar consensus mechanisms. Neither relies on energy-intensive, you know, proof of work or proof of stake to be able to settle these transactions. And they both settle transactions in seconds. Stellar finalizes in under six seconds. The XRP ledger typically settles in three or five. But both have transaction fees that are paid in the underlying asset and are fractions of a penny. Even the price has been pretty well correlated. If you've been watching the charts, it's very unusual that one moves without the other. So what's the key difference? They are very similar, but they target different markets. XRP targets institutions, banks, payment providers, and large institutional entities and also enterprises. XRP focuses on high value transfers and liquidity for enterprise use cases. Stellar, on the other hand, targets individual, the unbanked, peer-to-peer transactions, permittance, and financial inclusion. So, you know, you need the same infrastructure to be able to have real-time settlement for both, but their target markets are definitely different. XRP is the bridge asset for institutional cross-border payments, whereas XLM is the bridge currency for individual and small business transactions. They solve fundamentally the same problem. Slow and expensive cross-border payments, but they serve at opposite ends of the financial system. But before I explain XRP's role in all this, I want you to stay ahead of how tokenization is rapidly reshaping the financial system. XRP and its role with the DTCC. If the DTCC chooses Stellar, does that mean that they're not going to use XRP? Well, it's not the case. Tokenization is not a zero-sum game. The market opportunity is measured in trillions of dollars, potentially even quadrillions, maybe a lot more than that over the long term. So there's enough to go around for multiple networks to thrive. XRP and Stellar can serve different parts of the same ecosystem. Stellar handles the securities tokenization, and the settlement layer would then be settled through XRP. XRP handles the liquidity and the cross-border transactions between the different counterparties. Over time, we'll have a unified global network of exchanges. Right now, a lot of it's siloed and segmented, but this is what galvanizes all of these systems. And that's what Ripple's been building for over a decade. Interoperability between chains is growing. The future, as we all know at this point, is likely multi-chain, not just one winner take all. Analysts expect the DTCC to run pilots testing cross-chain interoperability between Stellar and other permission ledgers. So nothing stops the DTCC or other institutions from using XRP for liquidity while Stellar handles the asset issuance, so the tokenization of the stocks themselves. Ripple has its own tokenized initiative with ROUSD and the XRPL, and both networks benefit from the broader shift of traditional finance onto the blockchain rails. So why is this announcement bullish for both of them? Well, the DTCC validation proves that public blockchains that allow for private instances can meet institutional compliance and requirements. This opens the door for institutions to consider public blockchains instead of their own privatized blockchains that they've been using and trialing on the back end for years. And if companies then settle that $114 trillion annually and they trust these public blockchains, that changes the conversation for everybody. So XRP is already positioned. XRP has regulatory clarity from the court case between them and the SEC and Ripple. Ripple also has, you know, over 75 regulatory licenses globally and they operate in 55 plus countries. If the DTCC can use Stellar, there's no reason other institutions wouldn't use the XRPL for their own use cases. And again, tokenization of the stocks themselves and backend settlement are two very different things.

SPEAKER_00 9:05

And so what I think Jake is clearly explaining in this very short clip is the different use cases that XLM has versus XRP. XLM was built to tokenize real world assets and bring them on chain, where the XRP ledger is what's going to make those assets liquid. And I think the majority of people in this space would rather be attacking the liquidity layer because that's where the majority of opportunity is. It's in the real world value that's shifting on chain and making these assets liquid. It's not in the tokenized representation of these stocks that will exist on Stellar. And so I think there's massive opportunity, but look at the price charts as well, guys. Something that we've been highlighting for several years is the correlation on the XLM and XRP price chart, it's uncanny. And some would say it's scripted by looking how close it is. You're looking at over 10 years of data here, and XLM and XRP move in almost exact correlation with one another. So with XLM having already moved over these last couple of weeks, one, it could be the writing on the wall that some movement's coming for XRP. But two, it goes to show that these two projects were always built to move together.

SPEAKER_01 10:02

And in terms of from a from a functionality perspective, they serve different purposes. And then, you know, I've been talking about this for a while now, where you're going to have layers or they call them stacks in software. We have a layer of code that's a stack. And then that does one job. And then you have another stack, and then that does another job, and it builds on top of, you know, or does something that the other layer doesn't do. And that's really the way to think about these things is there's going to be more stacks in just XRP and XLM, but as you talked about, XLM may work in the tokenization part, XRP to move the tokenization across. Then you may have a smart contracts uh option. You know, there's so many, you may have interoperability, so you may need link or quant built on top of this too, so it could talk to other things. So my point being is there is going to be a number of different blockchain technologies that are going to all kind of coexist together to build the perfect highway. Think of a highway. It's not just concrete, it's got rebar in there, there's cement, there's stone in there, there's a bunch of different materials inside the concrete. There's um uh what do you call it? There's guardrails, right? So to build it, you need all there's exit signs, there's off ramps, there's on ramps. You need all these different elements and different things for the highway to actually work is a highway. It's not just one material does it all, right? And that's kind of the way to think about it from a blockchain perspective as well, is that you need multiple, uh, you're gonna need multiple blockchains to do the job correctly. And that's what Jake is trying to, I think, describe there is hey, these two, he was describing particularly how those two can work together in the situation of a DTCC uh uh adoption.

SPEAKER_00 11:35

And what gets me excited, guys, is that we're here before the highway is even active. The groundwork is being laid, the construction is happening before our very eyes. We're gonna see trillions of dollars worth of assets begin to flood onto these public blockchains, and inevitably that will have an impact on the XRP price chart as well as Stellar and Chainlink, whatever chain decides to dominate the tokenization of real world assets. But you don't have to take our word for it. Let's listen to our friend Jesse from Apex Crypto describe exactly how this is gonna work and why XRP is definitively building the internet of value. Here it is.

SPEAKER_02 12:08

When I say quant is the operating system for everything for this whole fourth industrial age, and I'm gonna explain a bit something about XRP that I was the first one to crack the code. A lot of people don't know this. I'll explain that and then I'll tie it in with quant. In these BIS documents, these central banks documents and massive, massive projects all over the world, Project Embridge, Project Agora, the regulated library network, all these things. What they're doing is they're using five different terminologies for the XRP ledger, and this ties into quant, I promise. They're using five different terminologies for the XRP ledger without seeing the XRP ledger. They're saying unified ledgers, shared ledger concept, regulated library network, regulated settlement network, and the finter net. They say finternet instead of saying financial internet or internal value, because everybody knows the internal value is ripple, because ripple's been screaming on top of their lungs for the last seven years. We are building the internal value. Even Vitaly Buterin said literally, we are not the internal value, ripple is the internal value. So nobody argues that ripple is the internal value. Blockchain itself is not the internal value. Blockchain as a whole is the fork industrial age, the tokenization age, but XRP is the internal value. So now they're using these five different names. The regulated library network used to be called the regulated internet of value. The first time it was ever mentioned in a city document in 2021, Citibank, it was called the regulated internal value, but it changed the name real quick because everybody knows it's Ripple. So in my deep dives, I clearly prove that it's all the same thing because Tony McLaughlin of Citibank said that the regulated library network and the shared ledger are the same thing. We've got Swift saying, we've got the BIS saying that, you know, if we had a unified ledger and we replaced all the corresponding banking, the banks, he describes exactly what Ripple does, and he says if we replace Swift, you know, if we have the unified ledger, we can replace SWIFT. So I proved my deep dive from their own documents, from their own mouth, that the regulated library network, unified ledger, it's it's all the same thing. Regulated Libya network, shared ledger content, unified ledger, it's all it's all the same thing. Now, only Ripple has a CBC platform. Central banks are building their C BDCs mostly on Ripple because Ripple has a private has private ledgers. It has the CBDC private ledgers that central banks can build their CBCs on. But these ledgers are private versions of the public XRP ledger. So they are carbon copy clones of the public XRP ledger, and these are the private ledgers that central banks are building on the XRP ledger, all around. But these are private ledgers. They will touch the public ledger later on when they go cross-board.

SPEAKER_00 14:31

So after listening to Jesse clearly explain how the central banks are aligning themselves to put to make these private blockchains public, leveraging the XRP ledger. But it's also clear that if XRP is going to be the liquidity layer between the tokenized assets, it is sitting in massively undervalued territory. $79 billion in market cap. There is more volume done on Swift every day than the entire market cap of XRP. Elon Musk alone is worth over 10 times the market cap of the XRP token. And I think that just goes to show how undervalued this crypto market is today. But if you're optimistic and you can see the writing on the wall for XRP, smash that like button, subscribe to the channel, and we'll see you all in the next one. So if you're looking to implement the same strategies that we do here on Good Evening Crypto, I would encourage all of our listeners to click on the iTrust Capital link below and sign up to take advantage of tax-free crypto gains. Now that's not the best part. By leveraging the iTrust link below, you're going to get a hundred dollar free signup bonus to start funding your iTrust Capital account. This is going to give our listeners access to crypto assets in a Roth IRA product, allowing them to compound those gains tax free until they're 59 years old and held these funds for five years. So a really unique advantage. So if you're excited about the future of digital assets, I would encourage everybody and sign up for iTrust Capital so you can take advantage of those compounding gains tax free.