hodler

9 May 2026, 13:23

5 Things to Know Before Investing in Tokenized Gold

Tokenized gold has crossed $6 billion in market value across all products as of early 2026, up from under $1 billion in 2022. The category has expanded materially in both size and structural diversity, with vault-backed tokens now sharing space with production-backed protocols and yield-bearing variants. The five facts below cover what investors should understand before allocating to any tokenized gold product. None of them is behavioral advice; they're structural realities about how the category works that determine investment outcomes. 1. Vault-Backed and Production-Backed Tokens Are Different Products PAXG, XAUT, KAU, and Comtech Gold are vault-backed: each token corresponds 1:1 with physical bullion held in LBMA-certified vaults . Holding the token is functionally equivalent to owning a fractional claim on the underlying gold bar. Ayni Gold operates on a different model. It's a production-backed gold protocol, with tokens tied to ongoing extraction at a real mining concession instead of stored bullion. Returns flow from production activity, not from gold-price appreciation on a fixed reserve. The production-backed model represents a smaller but distinct category within tokenized gold. The distinction determines what each token does in a portfolio. Vault-backed tokens deliver gold-price exposure with no income component. Production-backed tokens generate cash flow from real operations and pay scheduled distributions denominated in PAXG or another commodity-backed asset. Choosing between them depends on whether the goal is gold-price tracking or gold-denominated income. 2. Custody and Jurisdiction Vary Substantially Paxos issues PAXG under New York Department of Financial Services oversight, with bullion stored at Brink's vaults in London. Tether's XAUT operates under Hong Kong custody arrangements. Kinesis (KAU and KAG) uses LBMA-certified vaults across Singapore, London, Liechtenstein, and Switzerland. Each model carries different regulatory protections, attestation cadence, and bankruptcy-remote structures protecting holders if the issuer fails. These vault-backed gold tokens sit under one regulatory perimeter covering the issuer and custodian. Production-backed protocols add a second perimeter for the physical operation. A yni Gold's mining runs through Minerales SH San Hilario S.C.R.L. (Tax ID 20606465255) registered with INGEMMET , Peru's mining authority, under concession No. 070011405. The token issuer (AYNI TOKEN INC., BVI) sits as a separate legal entity from the mining operation. Two regulatory perimeters covering different functions: one for token economics, one for physical extraction. 3. Most Tokenized Gold Doesn't Pay Yield PAXG, XAUT, KAU, and most vault-backed instruments are price-tracking products without income. A $10,000 PAXG position held for a year delivers gold-price appreciation if gold rises but no scheduled payments along the way. The structure works for investors seeking gold exposure as a store of value, not for those seeking gold-denominated income. Gold yield protocols change the math by funding distributions from operational output. Ayni Gold is a DeFi protocol that turns gold mining output into on-chain yield, with stakers receiving PAXG rewards quarterly from mining production at the Minerales San Hilario concession in Peru. Kinesis distributes platform transaction fees as additional KAU or KAG, generating a modest yield from network usage. For investors looking for a gold-backed stable yield as part of an allocation, the distinction between price-tracking and yield-bearing tokens determines what the position delivers over time. The two are different investment theses with different risk-return profiles. 4. Audit Standards Differ from Spot Crypto Tokens A standard ERC-20 token typically gets audited for smart contract logic alone. Tokenized gold needs additional verification layers because the value depends on something off-chain: physical bullion in a vault or active mining production at a real concession. Vault-backed tokens publish monthly attestations from independent firms confirming that token supply matches physical bullion holdings. Paxos uses WithumSmith+Brown for PAXG attestations; Tether publishes BDO attestations for XAUT. Production-backed protocols add complexity. Ayni Gold's smart contracts were audited by CertiK and PeckShield in October 2025, with a CertiK Skynet score of 70.81 (top 25% of audited projects, against an industry average of 65). The 2025 Kangari Consulting scoping study estimated 9-10.7 tonnes of conceptual recoverable gold at the concession, with on-chain attestations covering extraction rates, operational costs, and net gold value distributed quarterly. 5. Liquidity and Redemption Rules Aren't Standardized Trading volume, redemption windows, and minimum withdrawal sizes differ widely across products. PAXG redeems to physical bullion at a minimum of 430 oz (one Good Delivery bar) at Paxos's discretion. XAUT requires 50 oz minimum for redemption. KAU and KAG offer physical redemption through Kinesis's vault network at smaller sizes accessible to retail. Production-backed tokens like AYNI typically don't offer physical redemption at all. Value flows through PAXG distributions to stakers and through token sales on secondary markets. The token isn't designed as a claim on physical metal; it's a position in operational output. Secondary market liquidity also varies. PAXG trades on Coinbase, Kraken, and Binance with deep order books supporting large position changes. Smaller tokens often have thinner liquidity outside their native platform, which means selling large positions can move the price meaningfully and require staged exits. Tokenized Gold Is Now a Category, Not a Single Product Tokenized gold in 2026 covers vault-backed bullion exposure, production-backed yield protocols, and hybrid platforms with their own redemption mechanics. Each model carries different structural characteristics affecting custody risk, yield potential, audit requirements, and exit liquidity. Understanding the five facts above gives investors the vocabulary to evaluate any specific tokenized gold product against their goals, whether the allocation calls for pure gold-price exposure, gold-denominated income, or operational diversification across mining and storage models. The right choice depends on what the position is meant to do in the broader portfolio. Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

9 May 2026, 11:40

XRP Ledger Sidechain Completes Major Roadmap Milestone

XRP Ledger sidechain gains utility in Blockchain-Based settlement launched for Euro remittances.

9 May 2026, 11:00

Pundit Says XRP At $1,000 Is Nothing Big, The Real Value Is Much Higher

Crypto pundit Remi has declared that an XRP rally to $1,000 is nothing big, indicating that the altcoin could easily reach this target. The pundit also revealed why he believes that XRP could rally much higher, outlining potential use cases for the token. Pundit Explains Why XRP Can Rally Well Above $1,000 In an X post, Remi remarked that those who think an XRP rally to $1,000 is something “big” haven’t been out in the real world. First, he alluded to the DTCC, stating that XRP can’t be less than $100 solely because of the DTCC utility, as this could drive in “quadrillions” of dollars. The pundit is alluding to the DTCC working with Ripple on its tokenization goals, which could be bullish for XRP. Related Reading: These Catalysts Can Trigger The Next XRP Price Run, But Can It Reach $3? Furthermore, Remi noted that the inclusion of SWIFT, tokenization, U.S. debt, the Special Drawing Rights (SDR), and the entire banking system makes it impossible for XRP to support such use cases without slippage unless the token is worth over $1,000. In line with this, he declared that if the bull cycle ends quickly, then XRP is likely to have only a three-digit price tag. However, if the cycle extends, then the altcoin could rally above $1,000. The pundit also noted that XRP needs volume and adoption percentage, which he believes will only come with time. He declared that it will be a quick adoption. XRP is already seeing significant adoption with increased activity on the XRP Ledger. The total tokenized value on the network has surpassed $3 billion, according to data from RWA.xyz. The CLARITY Act Factor Remi stated that if the CLARITY Act gets signed into law by July, and the bull cycle ends in September, then XRP won’t have time to mature before the cycle ends. However, he believes the token will keep rising while the economy tanks, and that it could rally above $1,000 at year-end 2027 rather than at the start of the year. Related Reading: XRP History Is About To Repeat Itself And Price Could Rally 1,008% To Cross $10 Interestingly, the pundit also raised the possibility of XRP rallying to $100,000 in the near future, stating that this could happen when they make XRP an e-SDR. He declared that this would happen as the token becomes the settlement rail for the global financial system. He doubled down on the e-SDR angle, predicting that XRP could reach as high as $5,000 overnight if the International Monetary Fund (IMF) or the Bank for International Settlements (BIS) labels the token as an e-SDR. Remi also expressed confidence that this will eventually happen. At the time of writing, the XRP price is trading at around $1.42, up over 3% in the last 24 hours, according to data from CoinMarketCap. Featured image from Peakpx, chart from Tradingview.com

9 May 2026, 10:02

Banks Are Minting USD on XRP Ledger. Here’s the Latest

The expansion of real-world asset activity on the XRP Ledger is beginning to reveal new trends involving stablecoins, banks, and tokenized finance. A recent exchange between crypto lawyer Bill Morgan and software engineer Vincent Van Code focused on one development that surprised many observers tracking XRPL adoption: the growing supply of bank-issued USD stablecoins on the network. The discussion started after Bill Morgan reviewed the latest XRP Ledger real-world asset league tables and noticed that RLUSD was not the only major dollar-backed stablecoin operating on XRPL. According to the data he shared, Braza USDB had reached a supply of approximately $90 million on the network, placing it among the larger tokenized assets currently issued on the ledger. Banks are minting USD on XRPL. So wait, even less use of XRP. EXCEPT, all these USD stablecoins at some point need to interchange right? One bank has USDB, another USDG, another RLUSD. Then you get into it, LPs/AM, dex, and guess what the swap denominator (aka bridge) will be… https://t.co/GYbdWfhyIN — Vincent Van Code (@vincent_vancode) May 8, 2026 Bill Morgan Highlights Braza USDB Activity on XRPL In his post on X , Bill Morgan said he was surprised to discover the size of the Braza USDB supply on XRPL. He explained that the stablecoin is minted by a Braza Group entity that operates as a licensed foreign exchange bank regulated by Brazil’s central bank. Morgan pointed out that the entire reported supply of roughly $90 million exists on XRPL. He contrasted this with RLUSD, which currently has issuance across multiple blockchain networks, including Ethereum. His comments focused mainly on the significance of a regulated financial institution choosing XRPL as the sole network for the stablecoin’s issuance. The image attached to Morgan’s post showed the “XRP Ledger RWA League Table,” where RLUSD ranked first with a reported value of $396.7 million, followed by Ondo at $323.2 million. Braza Crypto appeared fourth on the table with a reported value of $90 million and a 30-day increase of 17.28%. Vincent Van Code Says XRP Could Become the Bridge Asset Responding to Morgan’s observations, Vincent Van Code addressed concerns that growing stablecoin issuance on XRPL could reduce XRP’s importance within the ecosystem. He initially acknowledged the argument by writing, “Banks are minting USD on XRPL. So wait, even less use of XRP.” However, he quickly shifted to what he believes is the more important long-term implication. According to Vincent, the existence of multiple bank-issued dollar stablecoins on XRPL could eventually increase the need for interoperability between them. He explained that different institutions may issue their own versions of dollar-backed assets, including USDB, USDG, and RLUSD. Once those assets need to interact across liquidity pools, automated market makers, and decentralized exchanges, a bridge asset may become necessary to facilitate swaps. Vincent argued that XRP is positioned to serve that role . In his post, he suggested that XRP could become the denominator to connect liquidity for stablecoins on XRPL. His comment reflects a view held by some XRP supporters who believe stablecoin growth on XRPL does not directly compete with XRP , but instead increases the network activity that could require XRP-based liquidity solutions in the future. 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 Banks Are Minting USD on XRP Ledger. Here’s the Latest appeared first on Times Tabloid .

9 May 2026, 07:02

Pundit Says If you think a $1000 Price Is Not Too Big for XRP. Here’s why

Expectations surrounding XRP’s long-term price potential continue to divide the digital asset community, but one crypto enthusiast believes current projections remain far too conservative. In a post on X, crypto commentator The Real Remi Relief argued that XRP would need to trade at significantly higher levels to support the type of institutional activity many supporters believe is coming to the XRP Ledger. The commentator stated that anyone who considers a $1,000 XRP price target unrealistic has not fully considered the scale of the financial systems that could eventually rely on the asset. According to the post, XRP would need to operate at much higher values to efficiently handle global liquidity demands without causing major transaction slippage. The post specifically referenced the Depository Trust & Clearing Corporation (DTCC), which processes massive volumes of financial transactions annually. The commentator claimed that XRP could not realistically support settlement activity connected to institutions of that size while remaining at low price levels. He argued that XRP would need to trade between $100 and $300 based only on DTCC activity. If you think a $1000 XRP is something “big” for this run then you haven’t been out in the real world Let’s start with The DTCC. It’s literally impossible for XRP to be less than $100-$300 just for DTCC alone. We are talking QUADrillions of dollars Now add SWIFT,… — The Real Remi Relief (@RemiReliefX) May 7, 2026 Banking and Cross-Border Payments Central to Prediction The crypto enthusiast expanded the argument by adding other sectors that XRP supporters frequently associate with the asset’s future use case. These included SWIFT-related payment activity, tokenization markets, U.S. debt infrastructure, Special Drawing Rights (SDRs), and the global banking system. According to the post, the combination of those systems would require XRP to maintain extremely high liquidity and price stability during transfers. The commentator argued that low-priced XRP would create severe slippage problems during large transactions, especially for banks moving millions of dollars internationally in seconds. To illustrate the point, the post used a hypothetical example involving Bank of America transferring $50 million through the XRP Ledger to Japan. The commentator claimed that major institutions could not tolerate situations in which transaction volatility reduced the received value by millions of dollars within seconds. He argued that a much higher XRP valuation would reduce that risk and improve settlement efficiency for institutions processing high-value transfers. The post further suggested that XRP prices around $10,000 would be “optimal” for institutional operations, while adding that even higher levels could eventually become necessary if adoption accelerates globally. Timeline Depends on Regulation and Market Cycle Beyond price targets, the commentator also discussed timing. The post claimed that XRP’s path toward four-digit prices depends heavily on adoption rates, regulatory developments, and the duration of the current crypto market cycle. According to the argument presented, a shorter cycle ending later this year could limit XRP’s immediate upside because institutional adoption would not have enough time to mature before broader market momentum weakens. However, the commentator said a prolonged “super cycle” extending into 2027 could create conditions for XRP to surpass $1,000 as liquidity and usage expand. The post also referenced possible regulatory clarity in the United States, including the potential passage of the Clarity Act. The commentator suggested that stronger regulation could help accelerate adoption across financial institutions, even if price appreciation continues after the current cycle. IMF and BIS Mentioned in Speculation About Future Role The most ambitious prediction is that international financial organizations will eventually recognize XRP as an electronic SDR, or “e-SDR.” The commentator specifically mentioned the International Monetary Fund and the Bank for International Settlements, claiming that such recognition could rapidly increase XRP’s valuation. According to the post, if global financial institutions formally integrated XRP into international settlement infrastructure, the asset could potentially rise to between $1,000 and $5,000 “overnight.” The commentator maintained that this outcome would result from XRP’s proposed role in moving and settling large portions of the global financial system. 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 Pundit Says If you think a $1000 Price Is Not Too Big for XRP. Here’s why appeared first on Times Tabloid .

9 May 2026, 06:30

Peter Schiff Mocks Bitcoin Drop as Gold, Stocks Outperform BTC in 2026

Peter Schiff mocked Bitcoin as gold, silver, and major stock indexes posted gains in 2026. Schiff renewed attacks on Michael Saylor’s STRC model, calling it unsustainable. Strategy posted a $12.5B Q1 2026 loss as Saylor admitted the company could sell Bitcoin. Bitcoin critic Peter Schiff took aim at BTC holders after the asset posted an 11% decline so far in 2026, even as traditional markets and metals moved higher. In a post on X, Schiff compared Bitcoin’s performance against several major assets. Gold gained 9% this year, silver climbed 11%, the NASDAQ rose 13%, and the Russell 2000 advanced 14%. Bitcoin, meanwhile, moved in the opposite direction. Schiff mocked the idea that Bitcoin had become an “uncorrelated asset,” arguing that BTC continued falling even while both risk-on and defensive assets rallied. The comments came as Bitcoin continues to f… Read The Full Article Peter Schiff Mocks Bitcoin Drop as Gold, Stocks Outperform BTC in 2026 On Coin Edition .