Did u know Internet was gonna get big in the 90s?
XRP and XLM are the railroads of digital money in the very near future. Complain all we want but There’s no stopping the future.
XRP highlights its intended role as a fast, efficient, and cost-effective infrastructure for facilitating cross-border payments, analogous to how railroads facilitate the movement of goods.
Here's a breakdown of why this analogy is used and how XRP fulfills this role:
Speed and efficiency:
XRP transactions are known for their rapid settlement times, typically completing in 3-5 seconds, significantly faster than traditional international wire transfers which can take days. This speed and efficiency make it a compelling solution for real-time global payments and transactions where quick settlement is crucial.
Cost-effectiveness: XRP transactions incur extremely low fees, often a fraction of a cent. This makes it a more affordable alternative compared to traditional methods that involve multiple intermediary banks and associated fees.
Bridge currency: XRP acts as a "bridge currency" that facilitates the exchange between different fiat currencies or even other cryptocurrencies. This eliminates the need for financial institutions to pre-fund accounts in various currencies, freeing up capital and reducing costs.
Scalability: The XRP Ledger is designed to handle high transaction volumes, with a processing capacity of 1,500 transactions per second. This scalability makes it a viable solution for the increasing demand for cross-border payments and financial services.
Institutional Adoption: Ripple, the company behind XRP, focuses on collaborating with financial institutions and payment providers, according to Cointelegraph, and has formed partnerships with major players in the financial sector, including Santander, American Express, and MoneyGram. This indicates a growing adoption of XRP in enterprise payment solutions.
SWIFT alternative/complement: XRP is viewed as a potential alternative or complement to the existing SWIFT network, which is the current standard for international financial messaging. XRP offers advantages in speed and cost over SWIFT, although SWIFT has a significantly larger network and regulatory compliance history.
Because for the past decade XRP has been hard at work behind the scene setting up the "railroads" with countries all over the world and throughout Southeast Asia and China. All the foundations have been set, and with the help of other utility coins like Hbar and XLM which will be support for security and efficiency. It's a lot and you need to do own research I can't answer all your questions here and can only give you a general idea. Right now the price of XRP and other utility coins are just a reflection of retail. Wait til they pass regulatory laws to make it "safe (avoid lawsuits) for institutions to buy and they'll be loading that up. World runs through digital money flow and ledger makes it secure and prevents stealing, laundering and corruption, such as the case with USAID where we couldn't track every penny.
XRP is no different than a CBDC. It is created by a company and they can and will turn your money off. This is one of the properties that makes Bitcoin vastly superior. No one can block a transaction. There is no CEO, board of directors, or shareholders. Also no one in Space Force is writing books about XRP. Check out SoftWar by Space Force Major Jason Lowrey on how Bitcoin is the future of warfare. What happens when they can't control your money anymore? This is why the Trump admin has made a very clear distinction between Bitcoin vs Crypto (all shit). Look at the price of any coin in BTC over time and you will understand.
XRP was developed by the bankers for the bankers. They were trying to coupled it to CBDC, but have failed so far. XRP might get utilized for good in terms of soaking up all the fake fiat dollars, but who controls it now is unclear.
There is a war on Bitcoin and self-custody crypto ownership by all the exchanges now. They are using KYC unconstitutionally to prevent self-custody despite Bitcoin being legally declared as 4th/5th Amendment property. If we cannot stop KYC from being used to block transfers of Bitcoin from the exchanges to individual self-custody wallets, then it can never be used as an actual currency (per the globalist intent). Ethereum, Lumen, and others are likely backups to Bitcoin as a currency, but KYC effectively blocks ALL of them. Litigation is required against the exchanges to NULIIFY KYC usage across the board.
In the meantime you can get Bitcoin via private transactions and you can self-custody shares of MSTR to own it indirectly.
Can't say why but they are adding some shitcoins like XRP to a reserve. I believe this is diversion away from the main focus of Bitcoin. Everyone in Trump admin is holding large bags of BTC. Trump himself and his company just bought $2B worth last week alone. JD, Tulsi, Lutnick, Patel, Kennedy, Bessent all have spoken on Bitcoin. Trump and Kennedy and JD have spoken at Bitcoin conferences. They have not given nearly the attention to any other asset that I'm aware of.
XRP is not decentralized at all, it was a complete pre mine, where the XRP company got 80% of the initial tokens and slowly sells them off, and the company is in charge of who is allowed to run nodes.
Especially ethereum companies. Right now the ETH treasuries are down, but I think that's because there's just no hype anymore right now. But once things start spitting up, especially Q3, expect movement
What I've been wondering about coins and BTC is this......will we have dollar bills in our billfolds or will that go away? If we want to pay for a stick of gum with a dollar bill, will be be able to have one? How will small business, like Dollar General or the local hair dresser ever have access to the zillion different types of coins? Will the hair dresser need to set up an account with one hundred different coins so that every one of her customers can use a different coin? Where will be the good old green back be in a few years? Will it be a viable currency or will it be gone?
I had a bad time with crypto in 2017 buying a whole lot right before the crash. Had a bunch of shit coins that went to 0 and had to wait years before the price on btc and eth got back to what I paid. I ended up selling most of what was left for silver in 2021 basically took a 25% loss over those years. then held silver at a loss for a couple more years.
I should have hundreds of thousands of $ if not a mil of investments. But instead I haven't gained shit in 8 years. So don't take any advice from me I have terrible timing
S Tominaga
@CsTominaga
·
May 23
#Stellar. #XLM. The spiritual successor to the spiritual failure. The coin that said, “Hey, what if we took (c)Ripple—already a flaming piñata of centralised nonsense—and made it even more useless, but with extra virtue signalling?” A coin so bland, so aggressively pointless, it makes you nostalgic for Monero’s trench coat and Bitcoin’s deranged libertarian screeds.
Stellar is the half-skim soy milk of crypto—technically still in the same aisle as the rest, but completely void of flavour, substance, or purpose. It’s the one you sip politely at a UN conference while nodding along to terms like “financial inclusion” and “cross-border micro-remittances,” pretending you’re changing the world one sub-cent transaction at a time.
Let’s unpack this beige-coloured farce. XLM’s supposed to “bank the unbanked,” which in practice means onboarding people who don’t own smartphones, don’t have electricity, and live in places where the central bank is a guy named Rick who keeps the cash in a drawer under his chicken coop. You know what does work in those places? Cash. You know what doesn’t? A digital token with a validator network so centralised it makes the Chinese Communist Party look like a public square.
XLM is so pointless, even Stellar themselves stopped pretending they knew what it was for. They gave it to NGOs, airdropped it to exchanges, buried it in wallets like it was a raffle ticket, and still couldn’t get traction. It’s the only project in history whose main use case is “sitting there doing nothing.”
And let’s not forget the laughably predictable “supply burn.” One day Jed wakes up and says, “Let’s burn half the coins.” Boom, billions gone. Why? Who cares! It’s theatre. It's tokenomics as performance art. Not deflationary pressure. Just attention-seeking disguised as monetary policy. Imagine the Fed saying, “We torched half the money supply because we thought it’d look cool in the press release.”
And of course, there’s the classic post-apocalyptic delusion. Just like with Monero, they imagine the world ends, the dollar collapses, and somehow Stellar rises from the rubble like some shining phoenix of decentralised finance. But again—no internet, no validators, no functioning protocol. Just dust, chaos, and Barry the bandit kicking your teeth in for a bottle of water.
What are you going to do? Flash your XLM wallet in the ruins of society and hope the guy selling black market insulin takes tokens? Stellar doesn’t work when AWS sneezes. What the hell is it going to do when a solar flare takes out the Eastern seaboard?
XLM is not a financial revolution. It’s a screensaver. It exists. It moves. It does nothing. It’s the crypto equivalent of corporate wallpaper—inoffensive, interchangeable, and utterly forgettable. The protocol isn’t designed to fail—it was simply never designed to do anything. It’s the IT department’s idea of crypto. A coin for people who think “blockchain” means “password-protected spreadsheet.”
So yes, in the grand pantheon of apocalyptic delusion, XLM deserves its spot—right between Monero’s invisible money for invisible crimes and XRP’s central bank LARPing simulator. A coin with no audience, no use, and no future. But hey, it’s stellar, right?
Did u know Internet was gonna get big in the 90s?
XRP and XLM are the railroads of digital money in the very near future. Complain all we want but There’s no stopping the future.
Do you have sauce that they are the railroads of digital money that is coming?
XRP highlights its intended role as a fast, efficient, and cost-effective infrastructure for facilitating cross-border payments, analogous to how railroads facilitate the movement of goods.
Here's a breakdown of why this analogy is used and how XRP fulfills this role:
Speed and efficiency: XRP transactions are known for their rapid settlement times, typically completing in 3-5 seconds, significantly faster than traditional international wire transfers which can take days. This speed and efficiency make it a compelling solution for real-time global payments and transactions where quick settlement is crucial.
Cost-effectiveness: XRP transactions incur extremely low fees, often a fraction of a cent. This makes it a more affordable alternative compared to traditional methods that involve multiple intermediary banks and associated fees. Bridge currency: XRP acts as a "bridge currency" that facilitates the exchange between different fiat currencies or even other cryptocurrencies. This eliminates the need for financial institutions to pre-fund accounts in various currencies, freeing up capital and reducing costs.
Scalability: The XRP Ledger is designed to handle high transaction volumes, with a processing capacity of 1,500 transactions per second. This scalability makes it a viable solution for the increasing demand for cross-border payments and financial services.
Institutional Adoption: Ripple, the company behind XRP, focuses on collaborating with financial institutions and payment providers, according to Cointelegraph, and has formed partnerships with major players in the financial sector, including Santander, American Express, and MoneyGram. This indicates a growing adoption of XRP in enterprise payment solutions.
SWIFT alternative/complement: XRP is viewed as a potential alternative or complement to the existing SWIFT network, which is the current standard for international financial messaging. XRP offers advantages in speed and cost over SWIFT, although SWIFT has a significantly larger network and regulatory compliance history.
What is stopping another from coming into use?
Because for the past decade XRP has been hard at work behind the scene setting up the "railroads" with countries all over the world and throughout Southeast Asia and China. All the foundations have been set, and with the help of other utility coins like Hbar and XLM which will be support for security and efficiency. It's a lot and you need to do own research I can't answer all your questions here and can only give you a general idea. Right now the price of XRP and other utility coins are just a reflection of retail. Wait til they pass regulatory laws to make it "safe (avoid lawsuits) for institutions to buy and they'll be loading that up. World runs through digital money flow and ledger makes it secure and prevents stealing, laundering and corruption, such as the case with USAID where we couldn't track every penny.
XRP is no different than a CBDC. It is created by a company and they can and will turn your money off. This is one of the properties that makes Bitcoin vastly superior. No one can block a transaction. There is no CEO, board of directors, or shareholders. Also no one in Space Force is writing books about XRP. Check out SoftWar by Space Force Major Jason Lowrey on how Bitcoin is the future of warfare. What happens when they can't control your money anymore? This is why the Trump admin has made a very clear distinction between Bitcoin vs Crypto (all shit). Look at the price of any coin in BTC over time and you will understand.
XRP was developed by the bankers for the bankers. They were trying to coupled it to CBDC, but have failed so far. XRP might get utilized for good in terms of soaking up all the fake fiat dollars, but who controls it now is unclear.
There is a war on Bitcoin and self-custody crypto ownership by all the exchanges now. They are using KYC unconstitutionally to prevent self-custody despite Bitcoin being legally declared as 4th/5th Amendment property. If we cannot stop KYC from being used to block transfers of Bitcoin from the exchanges to individual self-custody wallets, then it can never be used as an actual currency (per the globalist intent). Ethereum, Lumen, and others are likely backups to Bitcoin as a currency, but KYC effectively blocks ALL of them. Litigation is required against the exchanges to NULIIFY KYC usage across the board.
In the meantime you can get Bitcoin via private transactions and you can self-custody shares of MSTR to own it indirectly.
I will stick with the iso tokens, thank you very much
Thanks for the info. Wonder why Trump is having XRP in the strategic reserve
Can't say why but they are adding some shitcoins like XRP to a reserve. I believe this is diversion away from the main focus of Bitcoin. Everyone in Trump admin is holding large bags of BTC. Trump himself and his company just bought $2B worth last week alone. JD, Tulsi, Lutnick, Patel, Kennedy, Bessent all have spoken on Bitcoin. Trump and Kennedy and JD have spoken at Bitcoin conferences. They have not given nearly the attention to any other asset that I'm aware of.
Also this guy has an entire podcast on Rumble Badlands called Rug Pull Radio. It's all about how Bitcoin is part of the Q plan. Here is a recent episode that Gen Flynn was on. Pretty huge signal if you ask me. https://rumble.com/v6qxavi-rugpull-radio-ep-113-special-guest-general-flynn.html?playlist_id=N6IFHf2pPm8
Get in early while you still can….its coming whether we like it or not and it appears XRP is gonna be a huge player.
Why would someone not like it?
XRP is not decentralized at all, it was a complete pre mine, where the XRP company got 80% of the initial tokens and slowly sells them off, and the company is in charge of who is allowed to run nodes.
I'll have what POTUS is having...
I think Ethereum is the better play.
Especially ethereum companies. Right now the ETH treasuries are down, but I think that's because there's just no hype anymore right now. But once things start spitting up, especially Q3, expect movement
Experimental Rocket Propulsion and Extra Large Margaritas? I could go for that.
What I've been wondering about coins and BTC is this......will we have dollar bills in our billfolds or will that go away? If we want to pay for a stick of gum with a dollar bill, will be be able to have one? How will small business, like Dollar General or the local hair dresser ever have access to the zillion different types of coins? Will the hair dresser need to set up an account with one hundred different coins so that every one of her customers can use a different coin? Where will be the good old green back be in a few years? Will it be a viable currency or will it be gone?
Great questions I do not have the answer too unfortunately.
I had a bad time with crypto in 2017 buying a whole lot right before the crash. Had a bunch of shit coins that went to 0 and had to wait years before the price on btc and eth got back to what I paid. I ended up selling most of what was left for silver in 2021 basically took a 25% loss over those years. then held silver at a loss for a couple more years.
I should have hundreds of thousands of $ if not a mil of investments. But instead I haven't gained shit in 8 years. So don't take any advice from me I have terrible timing
Neither XLM nor XRP, scales.
S Tominaga @CsTominaga · May 23 #Stellar. #XLM. The spiritual successor to the spiritual failure. The coin that said, “Hey, what if we took (c)Ripple—already a flaming piñata of centralised nonsense—and made it even more useless, but with extra virtue signalling?” A coin so bland, so aggressively pointless, it makes you nostalgic for Monero’s trench coat and Bitcoin’s deranged libertarian screeds.
Stellar is the half-skim soy milk of crypto—technically still in the same aisle as the rest, but completely void of flavour, substance, or purpose. It’s the one you sip politely at a UN conference while nodding along to terms like “financial inclusion” and “cross-border micro-remittances,” pretending you’re changing the world one sub-cent transaction at a time.
Let’s unpack this beige-coloured farce. XLM’s supposed to “bank the unbanked,” which in practice means onboarding people who don’t own smartphones, don’t have electricity, and live in places where the central bank is a guy named Rick who keeps the cash in a drawer under his chicken coop. You know what does work in those places? Cash. You know what doesn’t? A digital token with a validator network so centralised it makes the Chinese Communist Party look like a public square.
XLM is so pointless, even Stellar themselves stopped pretending they knew what it was for. They gave it to NGOs, airdropped it to exchanges, buried it in wallets like it was a raffle ticket, and still couldn’t get traction. It’s the only project in history whose main use case is “sitting there doing nothing.”
And let’s not forget the laughably predictable “supply burn.” One day Jed wakes up and says, “Let’s burn half the coins.” Boom, billions gone. Why? Who cares! It’s theatre. It's tokenomics as performance art. Not deflationary pressure. Just attention-seeking disguised as monetary policy. Imagine the Fed saying, “We torched half the money supply because we thought it’d look cool in the press release.”
And of course, there’s the classic post-apocalyptic delusion. Just like with Monero, they imagine the world ends, the dollar collapses, and somehow Stellar rises from the rubble like some shining phoenix of decentralised finance. But again—no internet, no validators, no functioning protocol. Just dust, chaos, and Barry the bandit kicking your teeth in for a bottle of water.
What are you going to do? Flash your XLM wallet in the ruins of society and hope the guy selling black market insulin takes tokens? Stellar doesn’t work when AWS sneezes. What the hell is it going to do when a solar flare takes out the Eastern seaboard?
XLM is not a financial revolution. It’s a screensaver. It exists. It moves. It does nothing. It’s the crypto equivalent of corporate wallpaper—inoffensive, interchangeable, and utterly forgettable. The protocol isn’t designed to fail—it was simply never designed to do anything. It’s the IT department’s idea of crypto. A coin for people who think “blockchain” means “password-protected spreadsheet.”
So yes, in the grand pantheon of apocalyptic delusion, XLM deserves its spot—right between Monero’s invisible money for invisible crimes and XRP’s central bank LARPing simulator. A coin with no audience, no use, and no future. But hey, it’s stellar, right?