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XRP the Standard is a daily, feel-good XRP news show for the XRP Army. Every morning: adoption, partnerships, institutional moves, legal and regulatory wins, XRP Ledger developments and ETF flows,...
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XRP the Standard is a daily, feel-good XRP news show for the XRP Army. Every morning: adoption, partnerships, institutional moves, legal and regulatory wins, XRP Ledger developments and ETF flows, plus the wider crypto market, in about four minutes. Not financial advice.
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Episodes & Posts
Episodes
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13 NOV 2026 · The XRP Army has gone public — an open community letter to Ripple CEO Brad Garlinghouse asks the question that's been building for months: how does Ripple's explosive growth translate into value for XRP holders? With sixteen trillion dollars in transaction volume and RLUSD expanding rapidly, the community wants a direct answer. Whether Garlinghouse responds — and how — will signal a great deal about Ripple's relationship with its token holders.
Meanwhile, the XRP Ledger is quietly advancing one of its most significant upgrades yet. The native lending protocol amendment is approaching the validator threshold needed to trigger a fourteen-day activation countdown, sitting at twenty-two to twenty-three votes out of the thirty-five required. Each new vote adds serious institutional-grade utility to the XRPL — exactly the kind of infrastructure that matters when large players evaluate a chain.
A testnet reset scheduled for late November caused brief confusion this week, but XRPL validator Vet clarified the situation clearly: only Testnet and Devnet are affected. Mainnet, live transactions, and real XRP holdings are completely untouched. Routine maintenance, clearly communicated — a healthy sign for how the network is managed.
On price, US spot XRP ETFs have seen outflows of ten to eighteen million dollars over recent days, pushing XRP to around $1.04 alongside broader crypto weakness. The structural fact that XRP ETF products exist at all remains a long-term win, regardless of short-term flow volatility.
Finally, the XRPN stock issued by Evernorth dropped sharply after a resale filing — but that move was entirely separate from XRP the token. Bitcoin weakness and ETF outflows drove XRP's modest decline. Understanding that separation keeps the picture clean. This episode includes AI-generated content.
AI-generated content
12 NOV 2026 · The XRPL lending protocol just took its biggest step toward mainnet activation. In today's episode, we break down how the LendingProtocol and SingleAssetVault amendments have reached 63 and 66 percent validator support respectively — just seven votes away from triggering a two-week countdown to live deployment. These amendments introduce pooled vaults and fixed-term lending, letting users deposit XRP or RLUSD while brokers issue off-chain assessed loans. This is real infrastructure progress, not a roadmap promise.
Alongside the technical milestone, the XRP Ledger Foundation has announced a $40,000 education program to support developer tutorials on the lending protocol, with the XRPL Lending Network adding a 10,000 XRP rewards pool for content creators. The ecosystem is actively preparing builders and users for launch day.
On price: XRP is holding around $1.06 after a rough week — down 19% — with $18 million in combined ETF outflows across the last two sessions adding pressure. We discuss why $1.00 holding as a floor matters and why long-term holders should stay focused on what's being built beneath the price chart.
We also unpack the Evernorth stock drop: secondary equity volatility following a resale filing, with the company's 473 million XRP treasury completely untouched. Backed by Ripple, Kraken, and Pantera, Evernorth's model is simple — and share price noise doesn't change what's in the vault.
Key watchpoints: validator count on both amendments, institutional confirmation of real-world XRP payment use, and whether ETF flows stabilise. Those are the signals that matter. This episode includes AI-generated content.
AI-generated content
11 NOV 2026 · BNY Mellon — one of the world's largest custodian banks — has added XRP and RLUSD to its institutional digital asset custody platform, a foundational move for large-scale capital deployment into XRP. The partnership also explores tokenized trade finance and RLUSD issuance, signalling that the custody infrastructure institutions need is now materially in place.
On the technology front, the XRP Ledger's quantum-resistant upgrade is taking shape, and critically, self-custody holders will not need to migrate their coins or change their wallet addresses. The draft ML-DSA-44 amendment adds a new key type alongside existing credentials, leaving your address and holdings intact. Validators still need to approve the amendment before it reaches mainnet, with a target window of 2028 — well ahead of the NIST quantum deadline of 2030–2035.
ETF flows saw their largest single outflow day since March, with approximately $10.42 million leaving US spot XRP ETFs on November 9th, Bitwise accounting for the bulk. Context matters: the preceding week showed near-zero flows, and RSI readings are deep in oversold territory — a pattern that has historically preceded stabilisation. Meanwhile, Binance XRP funding rates hit a one-year high on a 30-day cumulative basis even through the correction, a signal worth watching.
Finally, the XRP Ledger Foundation has launched a $40,000 education grant program, funding content creators to cover the Lending Protocol, Confidential Transfers, and core XRPL fundamentals ahead of upcoming validator votes. Smart sequencing: build understanding before the vote.
Nothing in this episode is financial advice. Do your own research. This episode includes AI-generated content.
AI-generated content
10 NOV 2026 · XRP is back at a support level it has successfully defended twice before — $1.00 to $1.07 — and the ecosystem around it keeps building regardless of where the weekly candle closes. In today's episode, we break down what this third test of support really means, why an 11.5% pullback against Bitcoin's 3% decline reflects token-specific pressure rather than structural breakdown, and why patient capital has historically entered at exactly these moments.
Spot ETF inflows went quiet for four consecutive days in early November. That's the honest read. But a pause at a known support level is not the same as institutional demand evaporating — and the ETF structure exists precisely because that demand is real and recurring.
On the ecosystem front, Ripple's RLUSD stablecoin added $229 million in market cap over the past month, confirming that Ripple is building revenue depth well beyond any single price cycle. Meanwhile, the Qivalis consortium — a 37-bank group spanning 15 European countries, including BBVA, ING, BNP Paribas, DZ Bank, and UniCredit — received Dutch central bank authorization to operate as an electronic money institution. This is not a pilot. It is serious institutional infrastructure moving toward launch.
On the regulatory front, the CLARITY Act missed a Senate vote by a single vote in September. No new vote is scheduled, but the bill has until January 2027. The political appetite for crypto-friendly regulation hasn't gone away — it's just on a slower timeline.
Two signals to watch: does institutional buying return at this support level, and does the CLARITY Act find a path back to the Senate floor. Both have resolved positively before. This episode includes AI-generated content.
AI-generated content
9 NOV 2026 · XRP touched a 30-day low of $1.15 this week, triggering one of the XRP community's most vocal episodes of public frustration in recent memory — and sparking a candid response from Ripple CTO David Schwartz. This episode unpacks why Ripple's institutional momentum and XRP's price are diverging, and what that gap actually signals for the road ahead.
Ripple's fundamentals continue to build quietly in the background. OCC approval for Ripple National Trust Bank arrived in late October, the XRP Ledger now ranks sixth globally for tokenised real-world assets with roughly $5 billion on-chain, and around 50% of RLUSD stablecoin issuance runs on XRPL. CEO Brad Garlinghouse reaffirmed XRP as Ripple's strategic north star, with the company's $2.5 billion acquisition spree in 2025 framing 2026 as an integration year.
Meanwhile, U.S. spot XRP ETFs recorded zero net flows from November 3rd through November 6th. Cumulative inflows since launch remain at $1.81 billion — a meaningful base, but flat flows during a price dip mean institutional buyers aren't currently absorbing sell pressure.
On the regulatory front, the CLARITY Act now faces roughly 18% odds of becoming law before 2028 following the November election result — a real headwind, though Ripple's parallel institutional track doesn't depend on Congressional timing.
For context, Solana also hit 30-day lows near $89 this week. XRP's recovery path to its July 2025 all-time high of $3.65 requires a 216% gain — marginally shorter than Solana's 229% climb. The base is there. The metrics to watch now: ETF inflow resumption, RLUSD on-chain adoption, and whether Ripple's integration year shows up in ledger activity.
Nothing here is financial advice. Always do your own research. This episode includes AI-generated content.
AI-generated content
8 NOV 2026 · XRP ETF flows cooled sharply in October, dropping from September's $121.4 million to just $18.8 million — with zero net flows in the most recent week. This episode breaks down what that slowdown means for institutional momentum, why the underlying ETF infrastructure still represents a structural win, and what signals to watch for a potential return of demand.
Brad Garlinghouse defended XRP's role across Ripple's growing financial stack — payments, prime brokerage, treasury, custody, and RLUSD stablecoin — while CTO David Schwartz acknowledged Ripple's real but limited influence on XRP's price. With $2.5 billion in acquisitions still in early integration, the case for patience is real, even as community frustration builds against a 66% gap from all-time highs.
On the network side, the XRP Ledger activated the fixCleanup340 amendment on November 4th, closing a token-permission loophole for issued assets. This is exactly the kind of quiet, compounding infrastructure progress that strengthens XRPL's case to institutional issuers.
Elsewhere, approximately 86 million XRP stolen from Binance has been converted to around 1,650 Bitcoin via THORChain, with 148 million XRP still held by the attackers — a live reminder of why on-chain transparency matters.
Finally, Democrats winning both houses of Congress on November 6th puts Elizabeth Warren on a path to chair the Senate Banking Committee, raising the stakes for the CLARITY Act before its January 3rd expiration. Regulatory clarity, in whatever form it arrives, favours projects with Ripple's institutional depth. This episode includes AI-generated content.
XRP the Standard is a daily, feel-good XRP news show for the XRP Army. Every morning: adoption, partnerships, institutional moves, legal and regulatory wins, XRP Ledger developments and ETF flows,...
show more
XRP the Standard is a daily, feel-good XRP news show for the XRP Army. Every morning: adoption, partnerships, institutional moves, legal and regulatory wins, XRP Ledger developments and ETF flows, plus the wider crypto market, in about four minutes. Not financial advice.
show less
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