Из жизни альткоинов

The rivalry between XRP and SWIFT (Society for Worldwide Interbank Financial Telecommunication) is back in the spotlight following new findings from major Japanese banks. Recent data revealed that XRP is significantly cheaper and faster than SWIFT for cross-border payments. The report underscores the asset’s growing use in real-world transactions across Asian markets and highlights the speed at which the cryptocurrency’s adoption is increasing among financial institutions seeking more affordable and reliable payment solutions. 

XRP Payments Prove To Be 60% Cheaper Than SWIFT

Diana, an XRP advocate on X, made a striking revelation about the cryptocurrency on April 10. According to a crypto enthusiast, Japanese banks recently presented live data showing a staggering 60% cost savings when institutions use XRP compared to SWIFT for cross-border payments. 

At the 2026 XRP Tokyo conference in Japan, major banks in the country revealed live pilot results showing that the altcoin dramatically outperformed SWIFT across certain metrics. They had tested and directly compared XRP and SWIFT in real time, running transactions with the cryptocurrency through actual remittance corridors between Japan and Southeast Asia. The pilot test showed that not only was the cryptocurrency 60% cheaper than SWIFT, but that settlements could be completed in just under 4 seconds. 

This speed is a staggering gap compared to SWIFT, which typically takes 1-5 business days to complete a transaction. SWIFT works by routing payments through a chain of connected banks, where each institution must verify, process, and forward the transaction to the next before it reaches its final destination. Depending on the number of intermediaries involved, the process can take a long time to execute, making it inefficient, particularly for businesses and individuals who require fast, low-cost international transfers. 

How Ripple Keeps Transactions Extremely Low-Cost And Fast

In her post on X, Diana outlined three major reasons why XRP is more cost-effective than SWIFT. She noted that during cross-border transfers, it serves as a bridge asset to streamline and accelerate payments. How this works is that the XRP Ledger instantly converts a sender’s currency into XRP, transfers it across borders in seconds, and converts it into the recipient’s local currency upon arrival. This eliminates the need for multiple currency conversions via costly intermediaries. 

Diana further noted that funds move across the network in seconds because, unlike SWIFT, there are no intermediaries to slow down payments. She also pointed out that XRPL does not have pre-funded accounts like SWIFT, meaning banks are no longer required to lock up large sums of capital in overseas accounts to facilitate international transactions. According to her, this feature can unlock significant capital for financial institutions, freeing up billions of dollars that had been sitting idle and allowing banks to deploy that liquidity more productively across their operations. 

Notably, Diana revealed that during the XRP Tokyo conference, Ripple announced the expansion of its On-Demand Liquidity (ODL) platform to include 12 new currency pairs. This means that the crypto company can now facilitate instant, low-cost transactions across a significantly wider range of currencies, expanding the altcoin’s adoption into more corridors and increasing its daily demand with every transaction processed. 

Управляющая биткоин-активами компания Stack BTC купила 37 BTC на сумму 2 млн британских фунтов (около $2,7 млн). Stack BTC котируется на лондонской фондовой бирже Aquis Stock Exchange, компанию возглавляет бывший канцлер казначейства Великобритании Квази Квартенг (Kwasi Kwarteng)

Майнеры пытаются «маскировать майнинг под обогрев курятника», сообщил директор российской компании «Иркутскэнергосбыт» Андрей Харитонов. Сибирские энергетики нашли за все время около 8000 ферм, но реальное число нарушителей наверняка выше, сетует глава ресурсоснабжающей организации.

В падении биткоина на 50% от достигнутого осенью исторического максимума $126 198 уже заложены риски атак блокчейна первой криптовалюты квантовыми компьютерами, заявили аналитики инвестиционной компании Bernstein. Сейчас курс биткоина держится на уровне выше $71 000.

With geopolitical tensions building globally and influencing the cryptocurrency market, XRP has taken a hit, losing the $1.36 level in a sudden pullback. Alongside the pullback in price is a steady decline in XRP’s derivatives market, reinforcing the bearish narrative for the leading altcoin.

Falling XRP Open Interest On Exchanges

XRP’s price is struggling with renewed bearish pressure, driven by recent war tensions between the US and Iran. After this sudden decline in price, a noticeable shift is unfolding in the derivatives landscape of the altcoin.

Related Reading: XRP Waning Price Action Drives Supply Deeper Into The Loss Territory

Xaif Crypto, a market expert and investor, took to the X platform to announce that XRP’s Open Interest (OI) continues to decline across major cryptocurrency exchanges. The wave of outflow of leveraged positions indicates that traders are withdrawing in the face of heightened uncertainty or locking in gains to prevent further losses on their investments.

According to the expert, the open interest has been bleeding out since the blow-off in November 2025. Looking at the chart on the 30-day time frame, the OI change is currently barely above level 0 across Binance, the world’s leading trading platform, Bybit, and OKX.

This decline in open interest frequently indicates a cooling period in market activity or a consolidation phase, during which speculative momentum starts to wane. As a result, the market expert has predicted an explosive move for the altcoin in the near future, allowing it to recover key resistance levels.

In another X post, Xaif Crypto has drawn the attention of market participants to the XRP Taker Buy/Sell ratio on the Binance platform. As of Saturday, the metric has surged to a new all-time high, a classic positive condition that could shape the short-term outlook for the altcoin.

It is worth noting that this metric measures between market buy and sell orders, and currently, buyers are taking over the order flow. Xaif Crypto stated that sellers are exhibiting signs of exhaustion, which points to renewed conviction among investors as bullish pressure intensifies.

Despite waning market action, buyers are demonstrating aggressive buying activity, with smart money steadily stacking up their holdings, a clear indication of a real accumulation phase among holders.

Crypto Exchanges’ Reserves Are Drying Up Fast

A striking trend is turning across the XRP market, as tokens are leaving crypto exchanges at a rapid pace. When coins are leaving trading platforms, it often points to growing conviction as traders choose to hold their assets in private custody rather than sell them on these exchanges. It also reflects tightening market liquidity, which could play a role in determining the next significant price move.

Related Reading: User Activity On XRP Ledger Contracts With Declining Active Wallet Numbers

As reported by SMQKE, there are just 1.7 billion XRP available across all crypto exchanges, suggesting a smaller amount of the altcoin available for sale or trading. This is the lowest level of the altcoin held on trading platforms over the past 7 years. 

In a 21Shares report, the asset manager referred to this trend, which collides with growing institutional ETF (Exchange-Traded Fund) demand, as “the supply-shock mechanism.” The company added that “this intersection of scale and scarcity is the primary engine for a non-linear repricing throughout 2026.”

Мелкие розничные инвесторы становятся все менее активными на крипторынке, а финансовые учреждения все больше расширяют свое присутствие, заявил гендиректор компании-оператора криптокошелька Exodus Джея Пи Ричардсона (JP Richardson). Именно крупные компании способны ускорить бычье ралли крипторынка, верит бизнесмен.

Ten years of careful saving wiped out in a single afternoon. That’s what happened to Garrett Dutton, the American musician known as G. Love, who lost 5.9 Bitcoin — worth roughly $420,000 — after a malicious app tricked him into giving away the one thing he was never supposed to share.

A Retirement Fund Built Over Years

Dutton had been stacking Bitcoin since 2017, treating it as a long-term retirement plan. On Saturday, he posted about the loss on X, telling his 67,500 followers the coins had vanished in an instant.

He said he downloaded what appeared to be the Ledger Live app — a self-custody crypto application — from Apple’s App Store on a new MacBook. The app was fake. Once inside, it prompted him to enter his seed phrase. He did. The money was gone.

“I been in the crypto circus since 2017,” he wrote in a follow-up post. “Today they caught me off guard. It was my own damn fault for not being more diligent. But let it serve as a warning. There’s so many scams.”

Blockchain investigator ZachXBT traced the stolen funds shortly after, finding that the Bitcoin had been moved to deposit addresses tied to the crypto exchange KuCoin across nine separate transactions.

I had a really tough day today I lost my retirement fund in a hack/Scam when I switched my @Ledger over to my new computer and by accident downloaded a malicious ledger app from the @Apple store. All my BTC gone in an instant.

— G. Love (@glove) April 11, 2026

KuCoin responded to ZachXBT’s post with a statement typically addressed to its customers. Dutton did not disclose which link led him to the fraudulent download.

Fake Wallet Apps Have Fooled People Before

This is not the first time scammers have pulled off this exact move. Back in 2023, a counterfeit version of the Ledger Live app appeared on Microsoft’s app store and drained nearly $600,000 from multiple users before it was removed.

Hi I traced out your 5.92 BTC stolen and it was all laundered via @kucoincom deposit addresses in the following transactions:

6f5c8eb6b01774626f33527e0cb03c0d1860447acacd6079e69bf41b459bcf1f 9ee1288f941b2c3775ebd125eefeebdc713aa160bf2cf9d18661fd07f84ce891…

— ZachXBT (@zachxbt) April 12, 2026

Microsoft later acknowledged the app had made it through its review process undetected. Apple had not responded to a request for comment.

Bitcoin Losses Across The Country Keep Growing

Dutton’s case is one piece of a much larger problem. According to the US Federal Bureau of Investigation, Americans lost more than $11 billion to crypto-related fraud in 2025 — up from $9 billion the year before.

Seed phrases are the master keys of self-custody crypto wallets. No legitimate wallet application asks users to type one into a screen. That’s the line Dutton crossed without realizing it — and by the time he did, there was nothing left to recover.

Featured image from Pexels, chart from TradingView

Компания Strategy, крупнейший корпоративный держатель биткоинов, с 6 по 12 апреля приобрела 13 927 BTC на $1 млрд по средней цене $71 902 за монету.

XRP pundits have drawn attention to Ripple CEO Brad Garlinghouse’s comments in which he made a Bitcoin prediction of $200,000. The Ripple CEO alluded to the current regulatory landscape and how it could drive BTC to this psychological level. 

Ripple CEO’s Comments About Bitcoin Resurface

XRP pundits COACHTY and XRP Queen drew attention to a FOX interview by the Ripple CEO, in which he predicted last year that Bitcoin could reach $200,000. He noted that this was an upgrade from his earlier prediction of $175,000. Garlinghouse explained that he believed a BTC rally to $200,000 was not ‘unreasonable’ given the current regulatory landscape. 

The Ripple CEO stated that people underestimate how the United States, the world’s largest economy, has gone from a headwind to a tailwind. It is worth noting that Garlinghouse was responding to a question highlighting that Cardano founder Charles Hoskinson had predicted Bitcoin could reach $250,000 by year-end 2025. 

However, the Ripple CEO didn’t provide a timeline for when Bitcoin could reach $200,000, which means his prediction remains valid. The focus is currently on the CLARITY Act, which pundits have predicted could spark the next bull run for Bitcoin and the broader crypto market when it passes. 

One of these pundits includes Fergani, who recently predicted that Bitcoin could rally to $200,000, in line with the CEO’s prediction, partly thanks to the CLARITY Act. The pundit also noted that institutional interest in crypto is increasing, which will also contribute to this rally to a new all-time high (ATH) for the leading crypto. The CLARITY Act is also expected to boost crypto adoption by providing regulatory certainty for institutional investors, who remain on the sidelines. 

Garlinghouse Fails To Give XRP Prediction

The Ripple CEO said that he could not give an XRP prediction because the altcoin is too “close to home,” alluding to his company’s massive XRP holdings. Ripple also notably uses XRP for the majority of its operations, including its payment services, as a bridge currency. However, it is worth noting that Garlinghouse has become more vocal about XRP since the settlement of the SEC lawsuit last year. 

On several occasions this year, the CEO has described XRP as their “North Star,” highlighting how important the token is to their operations. At the start of the year, he also reiterated that XRP has always and will remain the heartbeat of their vision. As part of this vision, it is worth noting that Ripple recently integrated XRP and RLUSD into Ripple Treasury, marking the first native on-chain enterprise treasury.

At the time of writing, the XRP price is trading at around $1.32, down in the last 24 hours, according to data from CoinMarketCap.

Сенатор-реcпубликанец от штата Вайоминг Синтия Ламмис (Cynthia Lummis) призвала Конгресс как можно скорее принять законопроект о распределении полномочий по контролю за рынком цифровых активов и выплате процентов доходности по стейблкоинам. Если это не сделать сейчас, CLARITY Act не будет принят как минимум до 2030 года, опасается Ламмис.

Хедж-фонд Alameda Research снял со стейкинга токены Solana общей стоимостью около $16 млн и перевел на адрес, служащий для выплат кредиторам рухнувшей в 2022 году обанкротившейся криптобиржи FTX. Операцию отследили аналитики платформы Arkham.

Bitcoin has retraced back to the $71,000 level, as on-chain data shows profit-taking behavior among investors has once again witnessed a spike.

Bitcoin Realized Profit Crossed $20M/Hour During Rally

In a new post on X, on-chain analytics firm Glassnode has talked about the latest trend in the Bitcoin Realized Profit, which is an indicator that measures, as its name suggests, the total amount of profit that BTC addresses/investors are realizing through their transactions.

Below is the chart shared by Glassnode that shows how the 24-hour simple moving average (SMA) of this Bitcoin metric has fluctuated over the last few months.

As is visible in the graph, the 24-hour SMA of the Bitcoin Realized Profit has seen a couple of spikes of a notable scale during the last few days. The spikes came as BTC recovered from its recent lows and broke back above the $73,000 level. Thus, it would appear that investors took the recovery opportunity to exit with profits.

During the spikes, profit-taking exceeded $20 million per hour. Since this investor is selling, BTC has retraced back below $71,000, indicating that the profit realization likely played a role in the rally topping out.

This is actually a pattern that has been witnessed a few times during the recent consolidation range already. “Every approach to the $70k–$ 80k band faces thin liquidity and profit-taking pressure, capping the bounce,” noted the analytics firm. Given that the latest rally has also been obstructed by profit-taking, it would appear that fresh liquidity capable of absorbing the selling pressure is still absent from the market.

The continued sideways movement from Bitcoin has meant that a chunk of the userbase has remained stuck underwater. As Glassnode has pointed out in another X post, a huge number of addresses on the BTC blockchain continue to be in loss.

As displayed in the above graph, the Bitcoin Number of Addresses in Loss, an indicator tracking wallets holding coins at a net unrealized loss, has seen some temporary declines alongside price surges, but as BTC has failed to maintain any recovery, the indicator has kept touching high levels.

Currently, there are 13.5 million addresses sitting in a loss. “This indicates that a meaningful portion of the network acquired coins above the current spot price,” explained the analytics firm. In the scenario that BTC’s current pullback continues, the metric could reach back to the highs above 16 million from earlier in the year.

BTC Price

Bitcoin is back at $70,800 following its pullback over the weekend.

Майнинг биткоина становится все более централизованным — вычислительные мощности концентрируются в руках немногих крупных игроков, делая добычу первой криптовалюты практически недоступной подавляющему большинству желающих, заявил глава отдела исследований Galaxy Digital Алекс Торн (Alex Thorn).

Правительственная комиссия по законопроектной деятельности одобрила проект закона об уголовной ответственности за организацию незаконного обращения цифровой валюты, если это привело к крупному ущербу. Об этом «Интерфаксу» сообщил источник, знакомый с документом. Издание не уточняет, что именно будет считаться незаконным оборотом цифровых активов.

Основатель блокчейна Tron Джастин Сан (Justin Sun) обвинил связанный с семьей президента США Дональда Трампа криптопроект World Liberty Financial (WLFI) в необоснованной блокировке токенов управления и непрозрачном голосовании. Бизнесмен назвал проект «ловушкой, замаскированной под дверь».

Неизвестный атаковал криптовалютный протокол Hyperbridge в сети Эфириума: хакер подделал межсетевое сообщение от платформы Polkadot и, используя уязвимость, получил административные права над контрактом нативного токена DOT. Об этом сообщили аналитики компании CertiK, специализирующаяся на безопасности блокчейна.

Mining costs in parts of the US have climbed past $100,000 for a single bitcoin, pushing operators to pack up and move. Paraguay and Ethiopia have emerged as top destinations, both offering surplus hydroelectric power that keeps electricity bills low.

According to crypto exchange KuCoin, the shift is already underway, with hash rate actively migrating toward what analysts are calling the “Global South.”

That geographic spread, KuCoin argues, actually strengthens the Bitcoin network by reducing its exposure to any one country’s political or energy shocks.

It is a different kind of decentralization — not the kind Satoshi Nakamoto imagined, but decentralization just the same.

The Opposite Paths Of Two Technologies

While Bitcoin mining grows more concentrated in terms of hardware and industrial scale, artificial intelligence may be moving the other way.

Alex Thorn, head of research at Galaxy, made that case on Sunday, pointing out that AI started its life in massive, corporate-controlled data centers.

bitcoin mining began decentralized (CPUs, GPUs) and became centralized (ASICs, industrial-scale farms)

AI may follow the opposite path: it started centralized in giant hosted clusters, but as frontier model gains slow (from data scarcity, context limits, and memory bottlenecks)… pic.twitter.com/J2indQsTt8

— Alex Thorn (@intangiblecoins) April 12, 2026

Now, as frontier models run into constraints — data scarcity, memory limits, context bottlenecks — open-source alternatives are gaining ground. Smaller models are getting cheaper and more capable. Some already run directly on phones and laptops.

“If local models keep getting smaller, cheaper, and more efficient, AI may become increasingly personal and on-device,” Thorn said.

Bitcoin mining started the opposite way. Ordinary people once mined coins from home computers. That era is long gone.

Today, mining requires either specialized ASIC hardware or access to an industrial-scale facility. The gap between a casual participant and a serious miner has never been wider.

A $119 Billion Market Taking Shape

The push toward on-device AI processing has a name: edge computing. It refers to running AI models locally — on the device itself — rather than routing data to a remote server.

Data shows the global edge AI market was valued at roughly $25 billion in 2025. Based on projections from Grand View Research, that figure is expected to reach close to $120 billion by 2033, a jump of nearly 300% over eight years.

The growth is being driven by the spread of connected devices, demand for real-time processing, and growing concern over data privacy. Industries that cannot afford delays — manufacturing, healthcare, logistics — are among those pushing adoption forward.

For Bitcoin, the concern runs in the other direction. Increasing concentration of mining power raises questions about long-term network security.

A network where just a handful of large players control most of the hash rate is more vulnerable to disruption than one spread across thousands of independent operators.

Geographically, the migration away from the US may ease some of that pressure. Whether it is enough remains an open question.

Featured image from Unsplash, chart from TradingView

Президент хедж-фонда Weiss Multi-Strategy Advisers Джорди Виссер (Jordi Visser) заявил, что для закрепления бычьего тренда биткоину необходимо преодолеть уровень $76 000.

Основатель аналитической компании Coin Bureau Ник Пукрин (Nic Puckrin) заявил, что восстановление биткоина остается хрупким и может стать устойчивым лишь к концу года.

Американский музыкант Гаррет Даттон (Garrett Dutton), известный под псевдонимом G. Love, потерял почти шесть биткоинов после установки поддельного приложения криптокошелька Ledger.