Из жизни альткоинов
XRP In The Spotlight After Ripple CEO’s Stunning Disclosure That Could Change Its Outlook
A fresh debate has been ignited by the CEO of Ripple across the crypto market after delivering what many are calling a major bombshell for XRP holders. This new debate is centered around major upcoming updates that could shape the future of the token and its robust ecosystem.
Ripple CEO’s Update Has XRP Holders BuzzingGiven the latest update from Ripple Chief Executive Officer (CEO) Brad Garlinghouse, its ecosystem and XRP are poised for a bullish future. In a remark that swiftly went viral on social media and trade desks, the executive unveiled developments that could reshape expectations around XRP’s trajectory.
Stern Drew, a market expert and investor, stated that this update from the CEO is a massive bombshell for XRP holders. Regardless of its connection to institutional adoption, regulatory advancement, or strategic growth, the announcement has added a fresh round of speculation to the token’s future prospects.
According to Brad Garlinghouse, Ripple’s mission is to propel XRP and its ecosystem to success. The CEO expressed his confidence in a crypto company becoming a trillion-dollar firm, and Ripple is positioned and has the opportunity to reach this milestone.
In addition, Garlinghouse made references to XRP ecosystem initiatives without mentioning any; this is a relatively new technology. Meanwhile, Ripple’s aim is to champion this new technology, which would propel the payment firm to become a trillion-dollar company over the years.
As the crypto landscape evolves, it just so happens that every chain is trying to implement zk-privacy on its blockchain. However, as of 2026, the XRP Ledger (XRPL) is at the forefront of this trend, being the only project that is close to launching zk-privacy with DNA Protocol, a platform championing blockchain bio-identity.
XRP Could Outperform Bitcoin And EthereumDespite the ongoing downward pressure, XRP appears to be approaching a pivotal moment as its behavior in relation to Bitcoin indicates a possible breakout. After a protracted period of consolidation, relative strength indicators and changing capital flows indicate that momentum is starting to change in XRP’s favor.
The chart shared by crypto expert Bird shows a lengthy descending trend line that has formed since the beginning of 2025. Once this move kicks off, the altcoin is likely to surge to $27, flipping BTC and ETH.
Looking at the chart against Ethereum, Bird predicts that the altcoin’s price is on the verge of a breakout after 7-8 years. Numerous indicators indicate that XRP is poised to make a significant move and start heading in the direction of the final fifth wave, which is expected to reach the $27 price mark.
At the time of writing, the price of XRP was trading at the $1.35 level, with a nearly 2% drop in the last 24 hours. Investors’ sentiment remains bearish as indicated in its trading volume, which has fallen by more than 19% over the past day.
White House Crypto Adviser Warns Time Is Running Out To Pass CLARITY Act
Efforts to advance the long‑anticipated crypto market structure legislation, known as the CLARITY Act, are running into renewed headwinds as Washington’s attention gradually turns toward the 2026 midterm elections.
Despite ongoing discussions at the White House and behind‑the‑scenes negotiations among lawmakers, banking and crypto industry leaders, the bill remains stalled, with bipartisan consensus still out of reach.
Clock Ticks For Crypto Market Structure BillPatrick Witt, executive director of the President’s Council of Advisors for Digital Assets, cautioned that time is becoming a critical factor.
Speaking on Yahoo Finance’s Opening Bid, Witt urged policymakers not to lose momentum. “Let’s not let any moss grow here,” he said, warning that the opportunity to pass the legislation is “rapidly closing” as campaign season approaches.
Midterm election cycles, he noted, tend to dominate Capitol Hill’s agenda, leaving little room for complex policy debates. Witt emphasized that moving the bill forward will require flexibility from both the cryptocurrency sector and traditional financial institutions.
One of the primary sticking points centers on stablecoins and their potential impact on the banking system. Lawmakers, along with representatives from the banking industry, have raised concerns about a major drop in deposits from traditional banks if stablecoins are not subject to clear and appropriate regulations.
The issue of whether stablecoins should be permitted to offer yield has emerged as a particularly contentious obstacle, complicating efforts to secure enough votes for passage.
Coinbase CEO Sees ‘Win‑Win’ Path ForwardWhile recognizing the current challenges for the bill’s approval, Coinbase CEO Brian Armstrong expressed optimism that lawmakers could reach an agreement within months.
He told investors during the company’s earning call on Thursday that he is “quite optimistic” that some form of legislation will be approved “in the next few months,” pointing to what he described as a unified stance among major crypto companies.
Armstrong framed the situation as an opportunity to create balanced rules that benefit both financial institutions and digital asset firms. “There’s an opportunity to make a win‑win outcome here for everyone, for banks and crypto companies and the US citizen and everyone,” he said.
Despite the delays, Witt said the administration remains committed to refining the proposal and working with lawmakers on both sides of the aisle. The goal, he said, is to improve the legislation where necessary while preserving its core objectives.
In his view, the bill represents “a good product at the end of the day,” and the administration intends to keep pushing forward even as the political calendar grows more crowded.
Featured image from OpenArt, chart from TradingView.com
Ripple Announces New Partnership To Tokenize Funds On XRP Ledger
Ripple has entered a new institutional partnership aimed at converting conventional fund structures into digital tokens issued and managed on the XRP Ledger. The initiative marks a tangible step in the financial sector’s shift toward blockchain-based fund infrastructure, where asset creation, distribution, and settlement can operate with greater speed, lower costs, and enhanced operational transparency.
Ripple Drives Institutional Fund Tokenization Through Aviva InvestorsIn a post shared on X on February 11, 2026, Ripple announced its partnership with Aviva Investors to develop tokenized versions of traditional funds, immediately framing the collaboration as a strategic move into blockchain-enabled asset infrastructure.
At its core, the collaboration is built around converting fund units into digital tokens capable of operating on blockchain infrastructure instead of legacy administrative systems, thereby restructuring how issuance, ownership, and transfers are handled. The deal also represents Ripple’s first partnership with a Europe-based investment manager, extending its institutional tokenization footprint into a new geographic market.
For Aviva Investors, the project represents its first formal step into tokenized finance, aligning with its broader objective of integrating emerging technologies into established investment frameworks. Rather than launching isolated experimental vehicles, the firm intends to embed blockchain-based structures directly into its existing product lineup, ensuring continuity with current offerings while enabling operational efficiencies.
The partnership was also spotlighted during XRP Community Day, where Ripple’s Markus Infanger and Aviva Investors’ Alastair Sewell outlined how institutional assets are progressively moving on-chain and what fully operational tokenized fund structures could look like in live production environments.
Why The XRP Ledger Is Central To The InitiativeAccording to Ripple’s official statement, the tokenized funds will be issued and managed on the XRP Ledger, Ripple’s decentralized public blockchain built for financial transactions. Speed and cost efficiency are core advantages of this. Transactions on the XRPL settle quickly and carry low fees, which can reduce the administrative burden tied to subscriptions, redemptions, and transfers in traditional funds. Because the network does not rely on mining, it also consumes less energy—an operational factor that matters to large financial firms with sustainability targets.
Compliance tooling is built into the ledger’s design. Institutions can implement controls aligned with regulated markets, including permissioned access and asset tracking. This functionality is essential for asset managers operating under strict regulatory oversight.
The network’s operating history adds another layer of institutional comfort. Since launching in 2012, the XRPL has processed more than 4 billion transactions, supports over 7 million active wallets, and runs on a validator network of more than 120 independent operators. That scale demonstrates production readiness rather than early-stage infrastructure risk.
Moreover, Ripple has been expanding across custody, payments, and asset issuance, and this collaboration strengthens its positioning in the fund tokenization segment. By combining Aviva Investors’ asset management capabilities with XRPL’s settlement infrastructure, the initiative moves tokenized funds closer to mainstream financial distribution—bridging traditional investment products with blockchain execution layers.
This Key Bitcoin Metric Signals That The Downside May Persist A Bit Longer
After a sharp pullback in Bitcoin’s price, there are speculations that the cryptocurrency market has shifted into a bearish phase, marking an end to the bull market. Despite this significant drop, a key metric is showing signs that the market pain is likely to continue, reinforcing this current downward pressure.
Bitcoin Metric Warns The Pullback Isn’t Over YetBitcoin’s ongoing downside movement does not seem to have reached its climax yet. An indicator of the Bitcoin market that is closely monitored indicates that the current dip has not ended, and the correction may continue for a short time.
This data from the Bitcoin Z-Score metric suggests that selling pressure and weak demand conditions are highly likely to continue in the upcoming days, weeks, or even months. Following an analysis of the metric, On-Chain Mind disclosed that BTC has hit a -3σ downside deviation in the recent crash.
The -3σ downside deviation, which is sitting at the $60,000 price mark, is the most extreme statistical stretch in the history of BTC. On-Chain Mind outlined that a continued severe breakdown below this level now would be historically unprecedented.
Given the data from the metric, the crypto expert predicts that the negative chop will continue for a little while longer. Interestingly, the final bottoms are created by monotonous, choppy compression and now vertical crashes. In the meantime, the possibility of a continued short-term weakness before a stronger recovery emerges remains high.
Darkfost, a market expert and author at CryptoQuant, has shed light on the current state of the BTC environment using the Bull Score Signals metric. This metric provides an overview of the market’s on-chain health and highlights multiple key elements affecting Bitcoin’s price behavior.
It further covers a variety of significant information regarding demand, liquidity, and the value of Bitcoin. Currently, the majority of these indicators are still in the red, which suggests that the environment is not improving yet. As long as this is the case, Bitcoin’s difficulty of reaching a new all-time high in the short term becomes extremely hard.
Whales Under Pressure Due To BTC’s DropWith a temporary break below $60,000, a wave of nervousness has been ignited across the market, putting Bitcoin whales under pressure. Despite popular opinion, these big holders do not consistently constitute a type of patient and logical smart money because they react to market shocks either opportunistically or under pressure.
Examining their inflows on the Binance platform, Darkfost has highlighted an increase in the monthly time frame. The monthly inflow rose from around 1,000 BTC to nearly 3,000 BTC, with a notable spike of roughly 12,000 BTC on February 6 alone. When there is significant price stress, this kind of action indicates that transfers to exchanges are more intense.
Since February 1, more than 50,000 BTC inflows were observed from this group, suggesting sensitivity to rapid market swings from the investors as they adjust their positions. These investors can abruptly influence price dynamics, which can be good in gauging the forces shaping the market. In an environment where overall market liquidity is tightening, rising inflows are often a sign of increased selling pressure.
Goldman Sachs Reveals $152 Million Bet On XRP
American multinational investment bank Goldman Sachs recently disclosed its massive altcoin holdings, revealing a substantial stake in XRP. The bank reportedly invested $152 million in Spot XRP ETFs, shocking the broader crypto market. Given the altcoin’s ongoing price slump, many in the crypto community see Goldman Sachs’ new interest as a major bullish development that could help propel the cryptocurrency forward.
Goldman Sachs Unveils Massive XRP BetIn a recent regulatory filing, Goldman Sachs disclosed a whopping $152 million exposure to XRP. This disclosure became public on February 10, based on the US SEC 13F filing. Many in the crypto space, including popular journalist Eleanor Terrett, shared the story on X, with community members expressing their views on why the traditional Wall Street bank is now dipping its toes into alternative cryptocurrencies.
Terrett clarified that Goldman Sachs does not hold the altcoin directly but has exposure to the cryptocurrency through Spot XRP ETFs. The American bank acquired XRP ETFs from issuers such as Bitwise, Franklin Templeton, Grayscale, and 21Shares. Its largest investment is a 1.9 million-share position in the Bitwise XRP ETF, which is worth $39.8 million.
In addition to the token, Goldman Sachs has also invested heavily in Solana Spot ETFs, highlighting a growing interest in altcoins. The SEC filing shows that the bank purchased approximately $108 million in Spot Solana ETFs from asset management firms such as Bitwise, Franklin Templeton, Grayscale, Fidelity, VanEck, and 21Shares. This recent disclosure of interest in altcoins indicates a strong shift toward broader crypto adoption, particularly from traditional financial institutions, which are typically cautious about digital assets
Exposure Comes Before White House Stablecoin MeetingAccording to Terrett, Goldman Sachs’ unexpected XRP disclosure comes as the bank appears as a representative in the latest White House meeting concerning stablecoin yield. Many community members view the bank’s disclosure of its crypto holdings right before the meeting as a bullish sign. One member said, “It felt less like transparency and more like positioning,” suggesting possible preparation for future regulatory changes.
Others have suggested that Goldman Sachs’ XRP bag could signal that the CLARITY Act bill currently under discussion may be passed. On Tuesday this week, the White House held a meeting between banking and crypto stakeholders to discuss stablecoin yield. During the meeting, contrasting opinions were shared. However, Ripple’s CEO Brad Garlinghouse later revealed that bank representatives may finally be coming to a compromise.
With a stablecoin regulatory bill still in the works and globally recognized institutions like Goldman Sachs zeroing in on the cryptocurrency, market uncertainty persists. Crypto commentators say this is a sign that institutions are finally returning to the altcoin. Specifically, market analyst Xaif Crypto stated that Wall Street is no longer watching but is now allocating capital to cryptocurrencies. He added that this marks a notable step for institutional adoption within regulated markets.
Набиуллина объявила о невозможности запретить цифровой рубль
Cardano, Avalanche, Sui And IOTA Submit Joint UK Crypto Rules Response
Organisations around Cardano, Avalanche, Sui and IOTA have filed a joint response to the UK Financial Conduct Authority’s CP25/40 consultation, arguing that the rulebook should draw hard lines around “custody and control” and avoid sweeping non-custodial crypto activity into regimes designed for intermediaries.
The submission, led by the IOTA Foundation alongside the Sui Foundation, Cardano Foundation and the Avalanche Policy Coalition, is a targeted push on two areas the group says are most exposed to “scope, proportionality and technical interpretation” problems: staking and decentralized finance.
In a post on X, IOTA framed the core message as a scoping exercise as much as a policy one: “focus on custody & control, keep it proportionate, and support non-custodial, decentralized innovation for UK.”
Cardano, Avalanche, Sui And IOTA Warn Against OverregulationThe open letter expands that into a broader architecture: “A consistent theme across our feedback on both staking and decentralized finance is the importance of clearly distinguishing between infrastructure functions and intermediary functions. We recommend that regulatory obligations remain focused on entities that exercise custody, discretion, or commercial intermediation, while preserving the neutrality of public blockchain infrastructure.”
The letter adds that developers and infrastructure providers should be exempted: “[They] deliver software development, validation, communications, or other protocol-level services without controlling client assets or exercising unilateral decision-making are performing infrastructure roles rather than financial intermediation, and warrant a proportionate and differentiated regulatory treatment.”
That distinction matters, the group argues, because staking and DeFi aren’t single business models. They sit on a spectrum from fully custodial services where a firm safeguards assets and intermediates execution to protocol-native activity where users retain control of keys and assets.
On staking, IOTA’s X thread distilled the policy ask into a binary: “regulation must clearly distinguish custodial vs non-custodial/models.” It adds that custodial staking “where firms safeguard assets” warrants “appropriate retail disclosures, consent + record-keeping,” while “non-custodial/protocol-level staking (no control of user assets/keys) should not be swept into the same regime.”
The letter mirrors that framing and narrows it to where the risk sits: “Where staking is provided through a custodial arrangement, and the firm safeguards client assets and intermediates the staking process, we recommend applying the proposed requirements on information provision, key contractual terms, express prior consent for retail clients, and record-keeping.”
It then draws the line the signatories want the FCA to adopt: “For non-custodial and delegated staking arrangements, where firms do not control client assets or private keys, we recommend that such activities remain outside the scope of regulated staking activity, as this maintains proportionality and aligns regulatory obligations with the actual sources of risk.”
The second pressure point is the FCA’s concept of a “clear controlling person” in DeFi. IOTA’s post argues the term needs a “technical, objective definition,” warning that obligations should scale with “custody, discretion, and unilateral control; not with writing code, participating in governance, or providing neutral infrastructure.”
The open letter keeps the same structure: it accepts the FCA’s intent to capture cases where an identifiable party is “effectively carrying on regulated cryptoasset activities,” but pushes back on triggering regulatory status based on development and infrastructure. Instead, it urges the FCA to anchor expectations to “demonstrable, unilateral control over protocol operation, governance or economic outcomes,” particularly because DeFi “rel[ies] on self-custody, automated execution and open participation.”
IOTA positioned the argument as pro-scope, not anti-rules: “smarter scoping = better consumer protection where risk is real, plus legal certainty that keeps non-custodial innovation from being regulated out of existence.” The letter closes on the same trade-off: obligations tied to “custody, discretion and unilateral control” would, the group says, “strengthen legal certainty, enhance consumer protection where it is most needed, and reinforce the UK’s position as a jurisdiction that understands the architectural realities of decentralized technologies.”
At press time, Cardano traded at $0.264.
Распродажа криптовалюты продолжается: что будет с крипторынком дальше
CFTC Expands Advisory Team With Top Coinbase, Ripple Figures
The Commodity Futures Trading Commission (CFTC) moved this week to build a new bridge with the crypto industry, naming a 35-member Innovation Advisory Committee that includes top exchange and blockchain leaders.
Reports say the roster gives industry executives a formal line into policy talks, and it lists a mix of crypto founders, exchange bosses and traditional market players.
CFTC Execs Granted A Seat At The TableAmong those tapped are Coinbase chief executive Brian Armstrong and Ripple chief executive Brad Garlinghouse, whose firms have been central to recent debates over how digital assets should be regulated in the US.
.@CFTC Announces Innovation Advisory Committee Members: https://t.co/Inpqzo0ujd
— CFTC (@CFTC) February 12, 2026
The committee’s purpose is to give the regulator up-to-date industry perspective as it considers rules for derivatives, market structure, token classification and other technical issues.
CFTC Chair Mike Selig said Thursday that the committee’s 35 members will help “align the CFTC’s decisions with real market conditions” and allow the commission to “establish clear guidelines for what he called the Golden Age of American Financial Markets.”
Honored to be named to the @CFTC Innovation Advisory Committee. Thank you @ChairmanSelig and look forward to working alongside @passalacqua_mj and this impressive group to help the CFTC develop clear rules of the road for crypto founders. https://t.co/ZO9mcyORZN
— Chris Dixon (@cdixon) February 12, 2026
What The Roster Looks LikeThe membership list reads like a cross-section of the market: centralized exchanges, DeFi founders, trading-venue operators and a handful of established financial firms.
Some reporting highlights that around 20 members have direct ties to crypto firms, while others represent legacy market infrastructure, which creates a mix of viewpoints the commission can tap when drafting guidance or vetting ideas.
Why Industry Leaders JoinedReports note executives accepted the roles for different reasons. For some, it is an opportunity to press for clearer rules. For others, it may be a way to protect business models as regulators decide which activities fall under commodity rules and which fall under securities laws.
The move follows a period of public lobbying and high-profile disputes over jurisdiction that have left firms searching for predictability.
Voices And RisksGiving industry a formal advisory channel can shorten feedback loops. But it also raises questions about how the regulator will manage conflicts and preserve impartiality.
Some observers say close engagement may help craft workable policy that recognizes market realities.
Others warn that heavy industry presence could shape rules in ways that favor incumbents over smaller innovators or the public interest.
Reports say the commission will have to balance open input with careful governance.
What Comes NextThe committee will begin meeting in the coming weeks, and the public will be watching for the topics it raises and the recommendations it produces.
Meetings are likely to focus on custody rules, how tokenized assets are classified, oversight of derivatives, and the handling of market data.
Whether those talks lead to concrete rule proposals will show if this new advisory setup truly shifts how digital asset policy is shaped in the US.
Featured image from V-graphix | Istock | Getty Images, chart from TradingView
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Bitcoin Developers Kick Off Quantum-Safety Track With BIP-360
Bitcoin’s quantum-security discussion just gained a concrete new artifact in the code-and-spec pipeline: an updated draft of BIP-360 has been merged into the official Bitcoin Improvement Proposals repository, proposing a Taproot-adjacent output type designed to limit exposure to future quantum key-recovery attacks.
The change matters less because it “solves” quantum risk today, and more because it formalizes a specific, opt-in path that preserves Taproot’s script-tree functionality while removing the spending route considered most problematic under a quantum-threat model.
Bitcoin Devs Make First Formal Quantum-Resistance MoveAnduro, a research-focused platform incubated by Marathon Digital (MARA), said on X that the merged update “introduces Pay-to-Merkle-Root (P2MR), a proposed new output type that omits Taproot’s quantum-vulnerable key-path spend while preserving compatibility with Tapscript and script trees.”
In BIP terms, the proposal is scoped as “Consensus (soft fork)” and defines P2MR as a new SegWit v2 output that commits directly to the Merkle root of a script tree, rather than to a tweaked public key as in Pay-to-Taproot (P2TR). The practical implication is straightforward: P2MR outputs can only be spent via script-path logic; the key-path spend is removed entirely.
The BIP’s abstract frames the goal in terms of minimizing changes while providing an option set for users who want additional protection:
“This document proposes a new output type: Pay-to-Merkle-Root (P2MR), via a soft fork. P2MR outputs operate with nearly the same functionality as P2TR (Pay-to-Taproot) outputs, but with the key path spend removed.” It adds that the intended protection is against “long exposure attacks by Cryptographically Relevant Quantum Computers (CRQCs),” as well as “future cryptanalytic approaches that may compromise the elliptic curve cryptography (ECC) used by Bitcoin.”
A key element of the BIP is definitional discipline: it distinguishes “long exposure” attacks (where public keys are available on-chain for extended periods) from “short exposure” attacks, which would target public keys revealed briefly in the mempool during an unconfirmed spend.
The document is explicit that P2MR is not a complete quantum shield. “It is worth noting that proposed P2MR outputs are only resistant to ‘long exposure attacks’ on elliptic curve cryptography; that is, attacks on keys exposed for time periods longer than needed to confirm a spending transaction,” the BIP states.
“Protection against more sophisticated quantum attacks, including protection against private key recovery from public keys exposed in the mempool while a transaction is waiting to be confirmed (a.k.a. ‘short exposure attacks’), may require the introduction of post-quantum signatures in Bitcoin.” The authors add they “intend to offer a separate proposal for this purpose upon further research.”
That split is also why the proposal emphasizes tapscript compatibility. It positions P2MR as a script-tree output type that could, if Bitcoin ever adopts post-quantum signature opcodes, provide a cleaner upgrade runway than older script mechanisms that don’t support tapscript’s evolution path.
Anduro highlighted that the change is designed as a soft fork and “does not affect existing Taproot outputs.” P2MR would be a new output type (with bech32m addresses starting with bc1z) rather than a retrofit of existing bc1p Taproot UTXOs.
The proposal also doesn’t pretend the swap is free. By removing key-path spends, P2MR gives up Taproot’s most compact witness path (a single Schnorr signature). The BIP estimates that a minimal P2MR spend witness is 37 bytes larger than a Taproot key-path spend, though it can be smaller than an equivalent Taproot script-path spend because P2MR’s control block omits an internal public key.
Privacy shifts too. Because every spend is script-path, P2MR users necessarily reveal they are spending from a script tree—something Taproot key-path spends can avoid signaling.
Anduro said the update also “addresses criticism about Bitcoin devs not taking the quantum threat seriously,” and noted the addition of Isabel Foxen Duke as co-author to make the BIP clearer “to the general public, not just the Bitcoin developer community.”
BIP-360 remains in “Draft” status. But its merge into the canonical repository is still a meaningful process marker: it moves the quantum-safety conversation from abstract worry and mailing-list hypotheticals toward a specific consensus change proposal that wallets, libraries, and reviewers can now analyze line-by-line.
If the debate has a next phase, it’s likely to center on whether “prepared not scared” opt-ins like P2MR are sufficient groundwork or whether Bitcoin will eventually need to grapple directly with post-quantum signatures and the operational realities of migrating value at scale.
At press time, BTC traded at $66,558.
