🔎 $XRP RECEIPT CHECK I’m replacing my $XRP INFLUENCER AUDIT series with $XRP RECEIPT CHECK. Apparently, some people can’t handle an audit without getting their feelings hurt over some insignificant comment I made. I can spend hours going through somebody’s content, checking sources, and putting the information together, and somebody will still find one little thing to cry about. Then the entire conversation becomes about that instead of the actual information. I’m not wasting any more time on that bullshit. From now on, we’re checking the claims people are putting out to the $XRP community. If something sounds questionable, I’m going to look into it, find the original sources, and see what actually checks out. And if somebody has evidence I missed, bring it. I’ll gladly correct myself. First up is @pumpius. He posted that Deutsche Bank is weeks away from launching its crypto custody service and that Ripple is powering the infrastructure. The first part is accurate. Reuters reported on October 16 that Deutsche Bank is weeks away from launching its custody service. But where did Ripple come from? Deutsche Bank published an announcement on September 16 confirming its custody plans. They said outside technology providers would be involved, but there’s no mention of Ripple, XRPL, or $XRP. What we can actually confirm is that Deutsche Bank partnered with Taurus back in September 2023 for digital asset custody technology. That doesn’t automatically rule Ripple out. But I haven’t seen anything from Deutsche Bank confirming Ripple is the technology behind this launch either. And that’s where I have a problem with the post. You’re telling people Ripple is powering one of the world’s largest banks’ crypto custody infrastructure, but where’s the evidence? I build on the XRPL. I’ve invested years of my life into this ecosystem, and I want to see Ripple succeed. But I’m not going to pretend something is confirmed just because it sounds good for $XRP. So @pumpius, show me the official Deutsche Bank announcement or a statement from one of the technology partners confirming Ripple is powering this custody service. If you’ve got the receipts, I’ll gladly look at them. Until then, that part of your claim is unsupported.

A Bank Just Put RLUSD Next to ACH and Wires Cross River just integrated RLUSD on XRPL directly into its banking system, right next to ACH, wires and real-time payments. That gets a lot more interesting once you understand what Cross River actually is. Cross River is a Banking-as-a-Service and sponsor bank that sits behind more than 100 technology and fintech partners. Companies use its banking infrastructure for accounts, payments, cards, lending, compliance and money movement without having to build all of that themselves. Most customers will never see the Cross River name because the fintech owns the app and the customer experience. Some of the names tied to Cross River over the years include Stripe, Affirm, Coinbase, Plaid, Upstart, DailyPay, BILL, Remitly and 𝕏 Money. Cross River handles the regulated banking side underneath products people already use every day. Its Core Operating System is the API-driven platform those companies use to access banking rails like ACH, wires and real-time payments. RLUSD on XRPL is now another option inside that same system, which means fintech partners can access it through infrastructure they already use. A fintech using Cross River can move between U.S. dollars and RLUSD, use it for eligible cross-border payments and move treasury money 24/7. RLUSD on XRPL can settle in a few seconds, and the company doesn’t have to build a separate blockchain setup from scratch just to use that rail. ACH still has processing windows, wires have their own operating hours and processes, and real-time payment networks have their own rules and access. Cross River can now give its fintech customers another choice through the same banking platform they’re already connected to. If ACH makes sense, they can use ACH. If a wire makes sense, they can use a wire. If an eligible payment or treasury movement makes sense using RLUSD on XRPL, that option is sitting inside the same core too. The announcement says RLUSD has grown past $2.5 billion in market cap, with more than $1 billion issued on XRPL. Cross River is now giving eligible fintech customers a regulated banking path into that rail through infrastructure already sitting behind major payments, lending, fintech and crypto companies. The rollout is still limited to certain states, and we don’t have real usage numbers yet. Volume will show how much business actually starts moving through it, but the infrastructure itself is already there. Cross River already gives fintech companies access to ACH, wires, real-time payments and other banking rails through one core system. RLUSD on XRPL now sits in that same system, which puts XRPL settlement directly inside banking infrastructure already being used by companies millions of people interact with every day.

$XRP INFLUENCER AUDIT @ChadSteingraber This one’s been highly requested, so I finally went through the whole account. Chad’s been around the $XRP community for a long time. He tracks ETF flows, shares real announcements, and he’s been pushing his $20,000 $XRP theory since 2022. The basic idea is banks and institutions eventually accumulate huge amounts of $XRP, hold it like a reserve asset, remove most of it from public circulation, and the tradable supply eventually gets crushed down to something like 21 million $XRP. He does call it a theory. I’ll give him that. My problem is everything that has to happen for the theory to work. Banks would have to accumulate massive amounts of $XRP and keep holding it. They wouldn’t sell, rebalance, recycle, or move much of it back into markets. Institutions would have to keep pulling more supply out until public liquidity basically disappears. That’s a lot of shit that has to happen before you get to $20,000. The scarcity argument itself makes sense. If institutions buy a lot of $XRP and keep it off the market, available liquidity drops. Nobody is arguing that. What I want explained is how we get from where we are now to only 21 million $XRP available for public trading and what evidence shows institutions are actually going to behave the way his theory needs them to. Then there’s the Goldman Sachs email. In July 2025 Chad posted a screenshot claiming Goldman Sachs predicted $260.56 $XRP in an internal 2021 email and said he wouldn’t tell people how he got it. That’s a pretty big fucking claim. There’s no official Goldman confirmation, no filing, and no independent verification of that email or the $260.56 prediction. If you’re going to post an internal Goldman Sachs price prediction to 77,000 people and tell everyone you somehow got the email, I’m going to want more than trust me bro. His ETF work is much better. The daily flows, volume, custody totals, and cumulative numbers generally line up with public trackers. He also shares a lot of real Ripple and XRPL announcements. Cross River Bank, RLUSD, Ripple Prime, CSD BR, custody, tokenization. A lot of that checks out. Credit where it’s due. That’s what makes the rest more important to separate. When somebody gets a lot of the real stuff right, people are more likely to carry the bigger claims right along with it without stopping to ask which part is confirmed and which part is theory. He recently said only a small amount of $XRP will remain tradable, something like 21 million. That isn’t the current public float. It isn’t an announced institutional target. Ripple, banks, ETF issuers, and regulators haven’t established that number. It’s part of his theory. So I asked him publicly for the calculations, the sources, and how he got there. His response was LOL! Thanks for that… 🤣🤣 Seriously, Chad? Four years of $20,000 $XRP, banks holding it like a reserve asset, disappearing public supply, and 21 million left trading, and when somebody asks you to show the math we get laughing emojis. Come on. If you’ve spent four years building the theory, show the work. My rating HIGH RISK I’m not calling the whole account bullshit because it isn’t. Chad gets plenty right. His ETF tracking is useful. He shares real announcements. He clearly spends time on this stuff. The problem is the parts that still don’t have receipts. The Goldman email is unverified. The 21 million public float isn’t established. Banks permanently hoarding $XRP at the scale his theory needs isn’t established. The road from institutional adoption to $20,000 is still a theory. Repeat something to 77,000 people for four years and eventually plenty of them stop hearing theory and start repeating it like fact. If the numbers are real, show the math. LOL! Thanks for that… 🤣🤣 still isn’t math.

GM. Big results come from big ambitions. Chase something that scares you a little.