hodler

23 Jan 2026, 07:23

Schiff Claims Wall Street Killed Bitcoin

The veteran gold bug argues that the institutionalization of Bitcoin has transformed it from a contrarian winner into a stagnant "crowded trade.".

23 Jan 2026, 07:16

DXC Teams Up with Ripple to Power Next-Gen Crypto Custody for Global Banks

DXC Partners with Ripple to Empower Global Banks with Scalable Digital Asset Custody and Payments DXC Technology has formed a strategic partnership with Ripple to accelerate the adoption of digital asset custody and payment solutions across the global banking sector. By combining DXC’s enterprise-grade banking infrastructure expertise with Ripple’s proven blockchain technology, the collaboration aims to help regulated financial institutions move beyond pilots and into scalable, real-world deployment of digital asset services. Joanie Xie, Ripple’s VP and Managing Director for North America, hailed the partnership as a major step toward institutional adoption, stating : “Banks are under increasing pressure to modernize while continuing to operate on complex infrastructure. Our partnership with DXC brings digital asset custody, RLUSD and payments directly into the core banking environments institutions already trust. Together, we're enabling banks to deliver secure, compliant digital asset use cases at enterprise scale without disruption.” As banks accelerate digital transformation, secure, compliant, and scalable blockchain infrastructure has become a critical competitive edge. Through their partnership, DXC and Ripple are enabling banks and fintechs to seamlessly integrate digital asset capabilities, bridging legacy financial systems with on-chain finance. The joint solution supports programmable payments, as well as the tokenization, custody, and transfer of digital assets, allowing institutions to deploy regulated digital asset use cases without disrupting core banking operations. This momentum is further reinforced by Ripple’s recent collaboration with UC Berkeley to translate academic innovation into real-world XRP utility. Well, a cornerstone of the initiative is DXC’s Hogan core banking platform, which powers over 300 million deposit accounts and supports more than $5 trillion in deposits globally. By embedding Ripple’s digital asset custody and payments technology into Hogan, the partnership gives existing DXC clients a seamless, low-friction path to launch digital custody and payment services. Crucially, this integration avoids costly system overhauls, making digital asset adoption faster, more affordable, and more accessible for large, established financial institutions. The collaboration delivers critical “last-mile” connectivity between regulated banking infrastructure and digital asset platforms, enabling banks to move from pilots to production-grade blockchain deployments. With this bridge in place, institutions can roll out real-time cross-border payments, tokenized asset custody, and programmable settlement workflows within a compliance-ready framework. Fintechs also gain a major advantage. The combined DXC–Ripple solution simplifies access to the banking relationships and infrastructure needed for compliant custody and payments, lowering barriers to entry and accelerating digital finance innovation, without compromising the regulatory standards expected by enterprise clients and supervisors. Conclusion The DXC–Ripple partnership marks a critical turning point for institutional digital finance. By embedding Ripple’s custody and payments technology directly into DXC’s Hogan core banking platform, the collaboration bridges the long-standing gap between legacy banking systems and on-chain infrastructure. This integration enables banks and fintechs to launch regulated, production-ready digital asset services without sacrificing security, compliance, or operational resilience. More broadly, the initiative moves blockchain in banking from proof-of-concept to real-world deployment, signaling a shift from theoretical potential to practical, scalable execution.

23 Jan 2026, 07:15

XRP Position Strengthened? Ripple Holds Over 75 Global Backings

Ripple has strengthened its position as a regulated crypto leader, now holding over 75 global licenses. This milestone highlights the company’s commitment to compliance and positions XRP for wider adoption across financial markets. Crypto researcher SMQKE (@SMQKEDQG) posted verified documentation of Ripple’s global reach. This confirms the company’s regulated approach to digital assets and payments. RIPPLE NOW HOLDS OVER 75 GLOBAL REGULATORY LICENSES Documented. pic.twitter.com/Afqv8wfElQ — SMQKE (@SMQKEDQG) January 21, 2026 U.K. Approvals Advance Services The company has secured recent approvals in the United Kingdom, obtaining both an Electronic Money Institution license and a Cryptoasset Registration from the Financial Conduct Authority. These licenses allow Ripple to operate fully within the U.K.’s financial system , providing digital payment and asset services in a key international market. Previously, Ripple has also obtained licenses from other major jurisdictions, including the Dubai Financial Services Authority and the Monetary Authority of Singapore, reflecting its strategic focus on global expansion. License Progress in the U.S. In the United States, Ripple is pursuing a banking license and has received conditional approval . This represents a significant step toward operating as a regulated bank, enabling Ripple to provide more integrated financial services. This move would also improve XRP’s role as a settlement solution. Combined with over 50 state Money Transmitter Licenses and a New York BitLicense, these approvals strengthen Ripple’s credibility with both financial institutions and retail markets. Licensing Drives XRP Adoption Ripple’s regulated presence directly benefits XRP adoption. By securing licenses in major financial hubs, the company builds trust with banks, payment providers, and corporations. XRP’s role in cross-border payments becomes more accessible, as institutions are more willing to work with a company recognized and approved by regulators. Increased institutional participation can drive demand for XRP, supporting price growth and market liquidity. Licenses across Europe, Asia, the Middle East, and North America also support Ripple’s long-term strategy to integrate XRP into the digital finance infrastructure . With the U.K. approvals and progress on the U.S. banking license, Ripple demonstrates a commitment to working within existing financial frameworks while expanding XRP usage. Partnerships with institutions such as BBVA, DBS, and Société Générale’s crypto division further extend the token’s reach in regulated markets. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 XRP Growth Potential The conditional U.S. banking license is important. It would allow Ripple to offer digital asset custody, payment services, and liquidity solutions directly through a regulated banking structure. XRP could see increased adoption as a settlement asset in these transactions, providing both speed and cost efficiency for global payments. Ripple’s licensing strategy signals a clear pathway for XRP to move beyond speculative trading into practical financial use. SMQKE and many experts believe the asset’s price will reflect this increased growth and adoption. 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. Follow us on X , Facebook , Telegram , and Google News The post XRP Position Strengthened? Ripple Holds Over 75 Global Backings appeared first on Times Tabloid .

23 Jan 2026, 07:15

Whale's Insight: Onchain Utility, Offchain Control

Summary The NYSE plans to launch a 24/7 blockchain-based platform for trading tokenized stocks and ETFs, signaling that regulated financial incumbents are increasingly leading tokenization efforts. Gold’s historic rally has driven rapid growth in tokenized gold trading, with assets like XAUT and PAXG surpassing most gold ETFs in volume and increasingly being used in DeFi to generate yield. Ethereum’s recent surge in transactions and active addresses is largely driven by low-cost address-poisoning scams rather than genuine user adoption. User-side security burdens complicate mainstream blockchain adoption. NYSE Plans 24/7 Trading Platform for Tokenized Stocks and ETFs The New York Stock Exchange (NYSE) announced plans to develop a blockchain-based trading platform later this year which would enable 24/7 trading of tokenized stocks and exchange-traded funds. The platform will use multiple blockchain networks to enable real-time settlement, dollar-denominated order sizing, and stablecoin-based funding. Tokenized securities traded on the venue will be fungible with traditional issued shares with all shareholder rights, including dividends and governance participation. Intercontinental Exchange ((ICE)), which is the parent company of NYSE, is developing a broader digital strategy leverage blockchain, which also includes working with major banks such as BNY and Citi to support tokenized deposits, enabling clearing members to move funds, meet margin requirements, and manage liquidity outside traditional banking hours. Key Take With tokenized real-world assets becoming a major narrative in the industry, this shift brings challenges for existing crypto companies. As seen with DTCC and now the NYSE stepping in, tokenization is increasingly being led by regulated financial incumbents. It is difficult for crypto-native firms to compete in these highly regulated areas, where established giants benefit from scale, regulatory status, and deep institutional trust. This development also poses challenges for Layer 1 blockchains such as Ethereum ( ETH-USD ) and Solana ( SOL-USD ). Despite language about “supporting multiple blockchains” in the announcement, it’s far more likely that settlement will run on permissioned, institution-controlled networks, not open public chains. NYSE operates in one of the most heavily regulated environments. Settlement systems must support identity, access controls, reversibility, compliance, and supervisory oversight, requirements that are far easier to enforce on private or consortium blockchains than on permissionless networks. In regulated tokenized asset markets, where investors already trust centralized institutions for issuance and custody, and comply with all regulatory requirements, the value proposition of decentralized and trustless public blockchains becomes less compelling. Gold’s Rally Fuels Surge in Tokenized Gold Trading Gold prices have been surging to all-time highs one after another, recording their strongest performance in nearly half a century. As geopolitical tensions intensified and tariff war threats resurfaced, both institutional and retail investors turned to gold as a defensive asset in a turbulent world. Tokenized gold has been one standout beneficiary in this backdrop. Two top tokenized gold, Tether's XAUT ( XAUT-USD ) and PAX Gold ( PAXG-USD ) recorded explosive growth, with trading activity even surpassing most traditional gold exchange-traded funds. While the total market cap of $4.4 billion for tokenized gold is still small compared to the $32 trillion global gold market, its rapid expansion highlights the appeal of the tokenized version of assets. Fractional ownership, low barriers to entry, and global accessibility make it particularly attractive to retail investors, especially in emerging markets, where most people lack other channels to invest in gold-related financial instruments. Key Take Beyond simple buying and holding, tokenized gold has opened up new use cases in DeFi. Crypto investors are deploying gold-backed tokens in various yield-generating strategies, putting their gold to work, while historically gold investing earning nothing in yield. For example, Uniswap’s PAXG/USDC pool allows traders to swap between tokenized gold and the USD stablecoins. Liquidity providers in this pool earn trading fees. LPs earn passive income while maintaining exposure to gold, making it an appealing option, especially during periods of heightened gold interest and trading activity. As the world has entered a commodity bull cycle, both precious and industrial metals have recorded strong performance over the past year. This creates a significant opportunity for DeFi, as traditional commodity investments do not generate yield, and the ability to earn yield represents a meaningful enhancement that could accelerate DeFi adoption. Ethereum Activity Surge Masks Address-Poisoning Scams Ethereum has recently recorded a sharp increase in daily transactions and active addresses, but the surge may not reflect genuine network growth according to studies both from Citi and crypto researchers. The spike in network activities is closely linked to address-poisoning scams rather than user adoption, and a large share of recent transactions is less than $1 value. Onchain research shows that stablecoins account for roughly 80% of recent activity growth, driven by smart contracts sending tiny amounts of USDT and USDC to hundreds of thousands of wallets. Since Ethereum has greatly reduced the transaction gas cost in the past year, it is now inexpensive for malicious actors to flood the network with small amount transfers which aimed to mimic legitimate wallet addresses to mislead users. When the victim copies an address from their history without fully verifying it, they might accidentally send funds to the scammer's wallet instead. Key Take Rising on-chain metrics do not necessarily equate to real network growth. Large-scale scam tactics such as address poisoning can significantly inflate transaction counts and active addresses. It is thus difficult to assess genuine adoption without deeper analysis. While address-poisoning scams rarely succeed against experienced users, they pose a real risk for those who are not sufficiently careful. The tactic relies on routine behavior by using similar addresses that resemble those users commonly interact with, increasing the risk of accidental sending to the wrong addresses. This also highlights a broader usability challenge for blockchains. The cost of malicious behavior is so low, while the burden of safety falls heavily on users themselves. Expecting everyone to exercise constant vigilance is not a viable path to mass adoption. Weekly Market Chart: Polymarket’s Brand Overtakes the Category Google search interest for “Polymarket” ( POLYMARKET ) has reached 100 in early 2026, its highest level on record, even surpassing the November 2024 U.S. election peak of 99, when the platform processed $3.7 billion in election-related volume. Notably, this new high comes without a comparable headline event, meaning Polymarket has moved beyond its image as an election-only platform to a general prediction market. At the same time, search interest for the generic term “prediction market” has fallen to below 20 in January, indicating declining attention at the category level. An interesting comparison is Google, which became the default search engine as users began to simply “Google it.” This pattern, rising brand recognition alongside falling category-level searches, suggests Polymarket may be on a similar path toward becoming the default destination for prediction markets, much as Google became synonymous with web search. Source: Google Disclaimer: The information provided herein does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and should not be treated as such. All content set out below is for informational purposes only. Original Post Editor's Note: The summary bullets for this article were chosen by Seeking Alpha editors.

23 Jan 2026, 07:11

XMR Market Commentary: January 23, 2026 Critical Support Test and Bearish Momentum

XMR made a daily 5% jump but the downtrend remains intact; critical supports around $117 are nearing a test. RSI at 38 and bearish MACD indicate weak momentum, with BTC correlation heightening risks.

23 Jan 2026, 07:10

Binance’s CZ Says Buy Crypto And Retire in Few Years, as AI Would Make You Jobless

Amid rising fears that AI will trigger widespread job losses, Binance founder Changpeng Zhao (CZ) has positioned crypto as a long-term alternative to traditional work. The former Binance CEO stated that while AI will cut jobs, crypto ownership could remove the need for salaried work. Visit Website