XRP Weekly Newsletter #5

Hello. The picture depicts the setting on Monday morning where I’m writing this weeks newsletter from the Harbour Hotel, near Zoe’s mum’s in Mudeford, Dorset. Anyway, welcome to crypto week! Is this the week when the old rails are replaced with the new financial rails? It certainly looks like all the ducks are forming an orderly line. So let’s summarise what’s going on. This week we have three pieces of crypto regulation being debated and potentially passed, as well as Fedwire going live by integrating with the ISO20022 messaging standard. And it seems the markets see the significance of all this as Bitcoin has entered price discovery by hitting new all time highs and alt-season is primed and ready to go. More detail on all of this and more below.

Regulation: This week has been dubbed Crypto week by David Sachs, the Crypto Tzar, because lawmakers in the US are debating and potentially passing key cryptocurrency legislation, providing regulatory clarity for the digital asset industry. There are three major bills: the GENIUS Act, the CLARITY Act and the Anti-CBDC Surveillance Act. These comprehensive pieces of regulation are the result of years of political battling which finally bring much needed clarity to an industry which has for years battled the disruptors. With regulations in place the typically conservative and risk adverse financial industry will be given the green light to go.

The new financial rails: ISO20022 is a global standard for exchanging financial information. It defines a common language and structure for payment instructions, securities transactions, card payments, and more. It is designed to replace older standards like SWIFT MT (Message Type) with richer, structured data that improves automation, reduces errors, and enables better compliance and analytics. There are only a bunch of digital assets that are compliant with the new ISO20022 standard. These digital assets are XRP, XLM, ADA, QNT, ALGO, IOTA and HBAR. If you check coinmarketcap.com you will see that all the above are up in price dis-proportionately compared with other crypto which is an indication that the these digital assets are the ones that have been chosen or allowed to work within the walls of the new financial system.

Fedwire: Today, July 14, 2025, Fedwire Funds Service has officially transitioned to the ISO 20022 messaging standard, as confirmed by the Federal Reserve Financial Services. This implementation marks a significant modernisation of the U.S. financial system's critical payment infrastructure, replacing the legacy system. As of today, all wire transfers processed through the Fedwire Funds Service must comply with the new ISO 20022 format, which enhances global compatibility, streamlines wire processing, and improves cross-border payment efficiency. Financial institutions that were not ready by the deadline risk operational disruptions.

BNY Mellon partnership: Ripple last week announced they will be partnering with BNY Mellon who will custody RLUSD reserves. BNY aring America’s oldest bank, oversees $52 trillion in assets and now they will manage RLUSD’s safekeeping and liquidity. The XRP community have long known of this partnership but it’s good to see it being officially announced and this could be the first of many significant partnerships to be announced in the very near future. Remember, in the SEC case with Ripple, it was revealed to us that Ripple has 1,700 NDA’s with institutions.

Ripple banking licence update: As of today, July 14, Ripple’s application for a U.S. national banking licence remains under review by the Office of the Compcontroller of the Currency (OCC). The company formally submitted its application on July 2, 2025 and has expressed confidence in meeting federal regulatory requirements. Ripple also applied for a Federal Reserve master account through its subsidiary, Standard Custody & Trust, aiming to directly hold reserves for its stablecoin RLUSD at the central bank. This is in addition to being a Treasury Partner, Stable Coin Issuer, Tokenisation & Global Payments Provider and Global Prime Broker-Dealer-Clearing Company with it’s recent acquisition of Hidden Road. Ripple is positioning itself to be the power house of the new banking world.

XRP Price: As I write this XRP has just hit $3. I see $3 to be a significant resistance price that may take a bit of energy to get over but there does seem to be a lot of that energy behind XRP at the moment. Once it does surpass $3 I think it won’t be long until XRP finally goes into price discovery by beating it’s all time high of $3.84. This is the XRP chart I'm looking at right now.