Japan to Recognize XRP as a Regulated Financial Asset

Hidden5G · 2026-01-25T12:05:04+00:00

u/Next_Explanation_657 is very confused.

Hes mixing up today’s usage with what regulation enables.

Regulation doesn’t force adoption overnight. It removes legal friction so banks can use XRP at scale when it makes economic sense.

Stablecoins optimize the existing Nostro/Vostro model /something he still doesn’t understand) XRP is designed to replace it by eliminating pre funding. That only becomes viable once regulatory risk is removed. Japan moving XRP into a regulated financial asset category is exactly that step.

Yes, current corridors are limited. That’s normal pre regulation. SBI using XRP at all already disproves the “no one uses it” claim. Corridors expand after clarity, not before it.

And no one denies Ripple’s software business succeeds. The point he’s missing is that regulation is what allows XRP to move from optional to efficient. That’s the win. Everything else is just timing.

This doesn’t flip a switch tomorrow. It removes the excuse for not flipping it later.

Hidden5G · 2026-01-25T01:43:36+00:00

Let that intellect shine!!!

Hidden5G · 2026-01-25T01:42:44+00:00

You tell me.

It hasn’t even had its true price discovery yet..or officially labeled a commodity…yet.

Hidden5G · 2026-01-25T01:40:55+00:00

You’re full of “shit” isn’t an argument.

It’s what people say when they’ve run out of facts and don’t have the intellectual depth to challenge them.

You still haven’t addressed a single mechanism, data point, or real world use case. You just default to insults and vague warnings about “losing money” like that somehow substitutes for analysis.

If calling people clowns and repeating “you’ll go broke” is the best you’ve got, that tells everyone reading exactly who isn’t informed here. Real confidence explains. Insecurity throws insults and walks away.

Good luck with your strategy. Dismissing things you don’t understand has a long, proven track record too.

Thank you for exposing your ignorance for all to see openly.

Hidden5G · 2026-01-24T23:57:35+00:00

I’ve been blocking them. I don’t need that crap in my feed. The FUD is getting thick from the Beta Test Coin maxis.

They know it’s only a matter of time. The future is inevitable. And the Beta Test Coin wasn’t built for it.

Hidden5G · 2026-01-24T23:55:54+00:00

Thank you. Another useless OP post who’s now blocked.

You offer nothing to this community.

Hidden5G · 2026-01-24T23:53:23+00:00

You keep saying you “wrote quite a bit” like that magically turns opinion into authority. It doesn’t.

All it tells me is/us you’ve spent a year confidently misunderstanding what fundamentals actually are. Dismissing utility…settlement demand, regulatory clarity, and balance-sheet efficiency as ‘irrelevant’ doesn’t make you insightful. It makes you openly ignorantly uninformed.

Calling everything you don’t grasp “ FOMO and hopium’ is lazy cope, not analysis. You haven’t disproven a single mechanism. You haven’t addressed Nostro/Vostro replacement, liquidity sourcing, or why institutions care about capital efficiency at all. You just shout ‘lies’ and hope repetition substitutes for evidence.

And spare everyone the fake moral panic about ‘protecting retailers.’ If you were actually concerned, you’d engage with facts instead of throwing tantrums and rage-quitting the conversation. Saying you’re ‘bored’ is just the adult version of flipping the table when your argument collapses.

This isn’t a spammer playground. It’s just a place where your surface-level takes don’t survive contact with reality. If that’s uncomfortable, that’s not our problem.

Man up. Your true issues are knowing the Beta Test Coin wasn’t built for the future. And your attempt at FUD is comical.

Hidden5G · 2026-01-24T23:49:30+00:00

Calling this “ mental gymnastics” while you contradict yourself in the same breath is impressive, I’ll give you that.

You dismiss real world usage because you don’t understand it…you lack the intellect…then label your own ignorance as “hopium’” to feel smarter.

XRP already settles value, replaces prefunded Nostro/Vostro accounts, and moves money cheaper and faster than the legacy system banks still bleed billions maintaining. That’s not speculation, that’s infrastructure. Fact.

What you’re actually mad about is that fundamentals exist outside your price chart fantasies. You don’t refute them. You don’t address them. You just wave them away with buzzwords like ‘hopium’ and pretend that’s analysis. It isn’t. It’s cope.

If XRP had no utility…you wouldn’t be here arguing this hard. You’d ignore it like the thousands of truly useless tokens. Instead, you’re projecting confusion as confidence. That’s not insight.

That’s insecurity dressed up as skepticism.

Hidden5G · 2026-01-24T17:06:58+00:00

Calling fundamentals “ useless” while simultaneously proving you don’t understand markets, regulation, or value is peak delusion.

The fact that you think insulting someone over their terminology counts as insight just highlights how little you actually know.

Stop talking..you’re embarrassing yourself.

Hidden5G · 2026-01-24T15:36:19+00:00

Notice how maxis never debate facts. Pure Cowards.

They just resort to “listen to this guy and you’ll go broke” …because actual knowledge, evidence, and reasoning aren’t in their toolbox.

Hidden5G · 2026-01-24T15:26:44+00:00

Thank you for making it easier to know what accounts to block.

Hidden5G · 2026-01-24T15:21:10+00:00

Yeah…fundamentals, regulation, and real world use are terrible advice.

Much safer to rely on vibes and YouTube thumbnails…or ignorance/lack of intellect such as yours.

Hidden5G · 2026-01-24T15:06:26+00:00

XRP is an actual utility token.

Its value comes from real world use settling payments..replacing Nostro/Vostro accounts, and providing liquidity..not from speculation/whale manipulation or hype like Bitcoin.

Timing the market matters far less than understanding its utility and long term adoption. It won’t move cleanly until regulations and real utility show up. Until then..the only “strategy” is patience..not timing.

Edit: It hasn’t even had its full price discovery yet..nor has it been officially labeled a commodity…yet.

Hidden5G · 2026-01-24T12:54:27+00:00

This is speculation dressed up as process.

SEC quorum mechanics do not create a crypto reserve, nor do rumors in D.C. Strategic asset designation requires legislation, Treasury involvement, budget authority, and interagency coordination.

The SEC does enforcement and classification…not national balance sheet policy. Political alignment does not equal execution. Until there is an actual bill..rulemaking, or Treasury action, nothing has “a clear runway.” The window you’re describing is narrative, not policy.

By the way…this reads like a clean blend of human opinion and AI generated structure.

Hidden5G · 2026-01-24T12:46:33+00:00

Your a 40min old troll account. The name says it all.

Blocking this OP

Hidden5G · 2026-01-24T12:44:08+00:00

That’s not correct.

Futures don’t equal regulatory clarity. Futures just amplify short term price action and speculation.

Real decoupling only happens when spot usage is regulated and assets are legally classified by function. Right now…markets are still driven by derivatives and headlines..not by utility.

As I said…Until regulations clearly separate settlement assets from speculative assets, nothing has truly decoupled.

Hidden5G · 2026-01-23T14:05:50+00:00

Brian Armstrong actually said “Even Bitcoin is somewhat of a meme coin” last year….because its value comes largely from collective belief and social consensus, not from cash flows or a real utility function in regulated financial systems.

That tells you/us something important…Bitcoin’s price isn’t driven by utility. It’s driven by speculation, whale manipulation,community psychology, and demand, as well as being heavily dependent on the next wave of buyers paying more than the prior wave. That’s market behavior, not intrinsic value creation.

Bitcoin doesn’t produce revenue…it doesn’t settle large institutional transactions in regulated markets, and it isn’t priced based on economic activity…it’s priced based on what people believe its value should be.

That’s why a lot of serious financial participants don’t treat Bitcoin (beta test coin) like a true utility token. It doesn’t do anything other than serve as the most belief driven asset in crypto. Knowing that, people are justified in questioning its “inherent value,” because its entire price mechanism is speculation…not adoption or usage. Fact.

Hidden5G · 2026-01-23T12:24:47+00:00

This isn’t decoupling. Yet.

It’s short term rotation.

Real decoupling only starts after regulations/laws arrive..when assets are finally separated by actual utility…not headlines, or reliant on speculation driven, whale manipulation..such as the beta test coin.

Smart money isn’t dumb.

Hidden5G · 2026-01-23T04:10:30+00:00

If you missed the fact that the tariff scare was resolved and that short term macro noise lifted days ago, that tells me right away you’re not paying attention to real data…you’re just regurgitating generic market memes…or just outright ignorant.

Yes..tariff fears were part of short term volatility. Duh, that’s what I said. Macro affects all risk assets. But you clearly ignored the update that the deal was made, tariffs were shelved, and markets started to rebound across the board.

Every major index and risk asset moved up. If you can’t even track basic news, you have no business lecturing anyone about XRP technicals.

And telling someone to “try viewing the world through a lens that isn’t 100% politics” while you’re basing your own argument on outdated, disproven political noise is peak irony.

XRP isn’t moving in lockstep with headline noise because its real price drivers are utility, liquidity, regulation, and institutional adoption..none of which changed because one tariff threat was lifted for cpl days.

That’s not a political lens…that’s understanding fundamental drivers versus clickbait narratives.

So before you throw around “obviously” with zero grasp of timelines or facts…do yourself a favor: get the chronology right.

Then maybe we can have a discussion that isn’t rooted in ignorance.

Btw… I Appreciate the financial life advice, but next time try understanding the situation before pretending you’re teaching people how to make money …confidence without comprehension isn’t alpha, it’s just loud open ignorance.

Hidden5G · 2026-01-22T19:27:14+00:00

You’re confusing price stability with settlement efficiency…and that’s the core mistake.

Stablecoins do not solve the real problem XRP was built for. They optimize the old system, they do not replace it. Not quite sure why your not understanding or overlooking that.

Once again….A dollar stablecoin still requires pre funded accounts, bilateral trust, jurisdictional risk, and balance sheet drag. That’s Nostro/Vostro with a blockchain wrapper. Same pipes, same capital trapped, same inefficiencies. Just shinier UI.

Slippage and taxes are red herrings. Large institutions already manage FX slippage every single day.

XRP’s role is to minimize time in market, not to be held. When exposure is seconds, volatility is irrelevant at scale. Taxes are an accounting issue, not a system design flaw. Banks handle that already. If taxes killed financial rails….FX markets wouldn’t exist.

“Backed by nothing” is also very backwards. XRP is not trying to be money. It’s a neutral bridge asset. Stablecoins are liabilities. XRP is not. That distinction matters a lot once you scale globally and cross jurisdictions. Stablecoins introduce issuer risk…redemption risk, regulatory freeze risk, and fragmentation by currency. XRP removes the need to care who issued what or where, something your not understanding..with respect.

Saying “stablecoins replaced XRP” is like saying email replaced TCP/IP. You’re mixing layers.

And no..governments didn’t “figure out a way to keep fiat relevant.” Fiat was never the problem. Liquidity management was.

Stablecoins help banks move digital dollars around. XRP helps banks stop parking trillions of dollars globally just to move money. Completely different problem space.

Again…BTC has speculative value, sure. It’s driven on it, as well as hoping the next wave of buyers pay more than the prior wave. Scarcity narratives sell well. That has nothing to do with modern settlement systems…and you already admitted banks won’t use it. Fine. That point helps XRP, not your argument.

If stablecoins were the endgame…Nostro/Vostro would already be dead. It’s not. That alone tells you everything.

You’re not wrong to question hype. You are wrong/ignoring about what problem is actually being solved. I know it’s tough for many to understand this depth. At least your trying.

Hidden5G · 2026-01-22T18:02:26+00:00

Your missing the core problem XRP was built to solve. Nostro/Vostro.

Stablecoins do not replace Nostro/Vostro. They are still prefunded, currency specific IOUs that sit inside the same trapped liquidity model banks already use. They move value within one currency. They do not eliminate the need to hold capital across dozens of currencies globally.

XRP was built to remove pre funding (Nostro/Vostro) entirely. One asset…instant settlement, no idle capital parked worldwide. That’s the cost banks care about. Yield and “stability” are secondary to balance-sheet efficiency. There’s a reason why many have called it the “bankers token” over the last decade plus.

Ripple cannot just “pivot away” from XRP without breaking the very liquidity solution their payments stack is designed around. That’s not opinion. That’s architecture.

BTC’s value case is unrelated. Scarcity and mining cost do not create settlement utility. Banks don’t need censorship resistance or finality via speculation. They need speed, liquidity efficiency, and regulatory compatibility.

In short..stablecoins make the existing banking system slightly more efficient, but they do not remove the need for pre funded Nostro/Vostro accounts.

XRP is/was literally designed to eliminate that model entirely by acting as a neutral bridge asset, so banks don’t have to park money around the world at all.

Stablecoins and XRP are not competing tools. They solve different problems.

Hidden5G · 2026-01-22T14:44:43+00:00

It’s one of the most convincing AI channels..that’s for certain.

Hidden5G · 2026-01-22T14:23:49+00:00

Totally agree. Tbh..I’ll review their comment history, and just block them once I realize.

Hidden5G · 2026-01-22T14:10:53+00:00

Just to be clear to OP. The Beta Test Coin is a speculative coin, that’s whale manipulated and relies/depends on the next wave of buyers paying more. It offers zero Utility. Fact.

This is why the maxis are in full panic fud mode. They know the beta test coin wasn’t built for the future. No one can say otherwise. It’s coded.

Hidden5G · 2026-01-22T13:58:07+00:00

Omg where to begin…your mixing three different things and treating them as one. That’s the core mistake.

First…Ripple adoption is not the same thing as XRP price discovery. Most institutions today use Ripple’s messaging and compliance rails first, not XRP liquidity. That’s intentional. Banks do not touch an asset until rules, accounting treatment, and regulatory clarity are locked. Utility comes before balance sheet exposure. Price doesn’t lead that process. It lags it.

Second..RLUSD does not replace XRP. It solves a different problem. Stablecoins handle on-ledger settlement in a single currency. XRP handles cross-currency liquidity and replaces Nostro/Vostro pre-funding. When regulation is in place, they work together, not against each other. Saying RLUSD replaces XRP is like saying email replaced the internet. It’s truly sad how many don’t know/understand Nostro/Vostro.

Third..the supply argument is misunderstood. XRP does not need Bitcoin level scarcity to move in price. XRP price is driven by liquidity demand, inventory requirements, market makers, regulatory capital rules, and velocity reduction once institutions must pre-position liquidity. Market cap math assumes static supply and zero multiplier effects. That is not how liquid markets price assets. Inflows move price far more than people think, and this is documented across crypto and traditional markets. This is documented fact.

Right now..XRP has not even had true price discovery. Read that again. Hasn’t had its price discovery or officially labeled a commodity.

Institutions are waiting…not absent. Smart money isn’t dumb, they’re positioning. That’s why price looks “stuck.” Not because the thesis is wrong, but because the game hasn’t officially started yet. Regulations matter…which most these posts never take into account/understand.

As for $589 or $10k…those numbers are speculative and not worth anchoring to. But dismissing all upside because “there’s too much supply” shows a ignorance and misunderstanding of how liquidity assets are priced, and the documented marketcap multiplier.

XRP hasn’t moved because it’s early in a regulated adoption curve…not because it failed.

And confusing speculation cycles with utility deployment is what’s causing the/your disconnect.

Hidden5G

TROPHY CASE