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The XRP community may have reason to be excited, as a Ripple Engineer announces that the ecosystem could soon undergo a transformative development. J. Ayo Akinyele, Head of Engineering at RippleX, has shared insights into the next evolution of XRP, suggesting that the crypto network might explore native staking. While the details of the new development are still under discussion, the announcement points to significant innovation aimed at enhancing XRP’s role in institutional finance and asset settlement.

Ripple Eyes Native Staking As Next Step For XRP

In a recent thread on X, Akinyele described how XRP has grown and changed over time. First, it started as a fast and efficient payment network, but it has evolved into a platform capable of handling tokenized assets and providing real-time liquidity. 

According to the RippleX Engineer, the launch of Canary’s first XRP Spot ETF represents a key milestone in institutional adoption, highlighting the growing acceptance of XRP within traditional financial markets. He also stated that the XRP ecosystem is clearly entering a new phase of growth, particularly as institutions embrace digital products such as tokenized treasuries and Money Market Funds (MMFs). 

Akinyele noted that all of these significant developments have led him and Ripple’s Chief Technology Officer (CTO), David Schwartz, to mentally explore and discuss the potential support of native staking on the XRP Ledger (XRPL) in the future and what it could look like in practice. The Ripple Engineer noted that, unlike many blockchain networks that rely on staking to incentivize validators, XRP operates differently.

He explained that, on the XRP network, transaction fees are burned rather than redistributed, and validators retain equal voting power regardless of the amount of XRP they hold. This unique approach prioritizes network stability and trust over rewards. He also highlighted that XRP is designed to settle any asset quickly, efficiently, and at a low cost. Building on this foundation, Akinyele explores how native staking could be introduced to complement this existing model. 

Challenges And Considerations In Introducing Native Staking

While the concept of native staking for XRP is intriguing, Akinyele emphasized that its implementation would require careful planning and consideration. He noted that any staking mechanism would need a clear source of rewards and a method to distribute them fairly across the XRP network. According to him, these changes could fundamentally alter how value flows within the XRP Ledger.

Notably, Akinyele has emphasized that the idea of a native staking is still being explored and discussed. Currently, the primary focus is to assess how this feature can shape the future of XRP, evaluating which aspects of the ecosystem can evolve and which should remain constant. The Ripple Engineer has invited the community to share their thoughts as they consider how native staking might affect XRP’s design and value flow. 

Ripple’s latest massive on-chain movement has once again stirred the broader crypto market, raising questions about the digital asset company’s intentions as a major XRP holder. A recent blockchain record shows millions of XRP leaving a wallet linked to Ripple, prompting speculation about whether this could signal a broader sell-off. With the price currently in a downtrend, showing no signs of a recovery in weeks, the transfer only adds to the growing unease in the community. 

Ripple Transfers 200 Million XRP To Unknown Destination

New reports from a popular blockchain monitoring system, Whale Alert has revealed that 200 million XRP, valued at approximately $445 million was recently moved from a wallet associated with Ripple. The large-scale transaction immediately caught the attention of the market, given both its size and origin, as Ripple Labs remains the largest single holder of XRP, controlling roughly 42% of its total supply. 

Notably, the transaction occurred on November 18, 2025, at 16:22:00 UTC and was sent from a Ripple-linked wallet address to an unknown destination. The transfer itself was inexpensive, incurring a minimal fee of just 0.00004 XRP. The movement also took place while XRP was still trading at approximately $2.22 per token. 

Considering Ripple’s influence on the altcoin, any significant outbound transfer tends to spark immediate reactions from its community about intent. Some market participants interpreted the transaction as a potential precursor of a sell-off, suggesting that it may be time to exit positions. 

However, other observers note that large wallets often redistribute holdings ahead of expected volatility, emphasizing that such internal rotations do not necessarily correlate with selling pressure. They argue that broader accumulation trends provide a more accurate picture than reactions to an isolated transfer. In addition, another commentator emphasized that Ripple has a long history of making large-scale movements for more treasury management, liquidity operations, or over-the-counter transactions—none of which translate directly into immediate market dumps. 

Whales Quietly Accumulate Billions

While Ripple’s 200 million XRP transfer has ignited speculation, new data from Santiment has highlighted  a significant uptick in whale activity. According to on-chain data, large holders have acquired more than $2.36 billion worth of XRP within a single week, pushing their combined balance to 9.74 billion XRP. This marks one of the strongest accumulations recorded recently, suggesting that whales may be positioning for the long-term rather than selling off. 

The increase in whale holdings comes at a time where the market is experiencing a notable downtrend. If these movements were distribution rather than accumulation, they could put additional pressure on the already weak price action. However, as more whales continue to buy XRP at lower price levels, it could provide underlying support for the cryptocurrency, potentially stabilizing the market. 

Cardano’s price action has been trending downwards alongside the rest of the crypto market, but the on-chain side of things shows the blockchain activity is failing to keep pace with expectations for a top-tier blockchain. 

Recent weeks have shown sluggish participation across key network indicators, and the stagnation has increased the long-standing ghost chain narrative. An example of this criticism came from a crypto observer on X, who added a more blunt assessment of why the network appears to be underperforming, calling it a “ghost chain.”

Harsh Critiques Point To Liquidity And Usage Weakness

A closer look at Cardano’s liquidity profile revealed gaps that are difficult to ignore. Its stablecoin supply of just over $30 million is exceptionally small for a blockchain with a market value in the tens of billions, making Cardano’s DeFi economy shallow compared to both its peers and even smaller networks. 

A crypto observer known as hantengri on X summarized the situation in a pointed breakdown, stating that Cardano raised $62 million, generates zero revenue, processes only about one transaction per second, and hosts an ecosystem that is described as basically one DEX and one lending protocol that maybe seven people use per day. 

The account went further, arguing that the chain operates like a ghost network guarded by a fanatical community despite sitting at a fully diluted valuation of $21 billion.

He also highlighted concerns about supply mechanics, noting that although ADA is labeled as having a fixed supply, roughly 18% is still not in circulation, and staking rewards along with treasury emissions continue to enter the market without any burn mechanism. To him, these factors reinforce the idea that no one is using the chain in a meaningful way.

A More Practical Way To View The Ghost Chain Debate

The idea of Cardano being a ghost chain is not as straightforward as a simple yes or no. The label comes from doubts about whether the network’s growth matches the scale of its ambitions and the size of its market capitalization. 

When the conversation is framed purely around visible activity, such as the total value locked in its DeFi protocols, active applications, or stablecoin liquidity, Cardano does fall behind faster-moving competitors like Solana and Avalanche. Those surface-level metrics make the ecosystem appear quieter than what one would expect from a top-tier chain.

Interestingly, Cardano founder Charles Hoskinson had addressed this disparity, noting this is due to a lack of DeFi engagement from the 1.3 million users who are actively participating in Cardano staking.

According to data from DeFiLlama, the Cardano network currently has the 25th largest TVL, with only about $215.51 million in 61 protocols. 

At the time of writing, Cardano (ADA) is trading at $0.1581, down by 0.5% in the past 24 hours. The cryptocurrency is down by 10% and 18% in the larger seven-day and 30-day timeframes. Charles Hoskinson recently appealed to the community to avoid reacting emotionally and to refrain from panic selling.

After days of trading above the $90,000 price mark, Bitcoin has officially lost this key support level as the market turns increasingly volatile on Wednesday. While the price of BTC continues its downward trend, the ongoing selling pressure from long-term holders does not seem to be slowing down.

Long-Term Bitcoin Holders Extend Their Selling Trend

A persistent negative action from key investors is meeting Bitcoin’s current price pullback. Long-term Bitcoin holders, who are usually the most steadfast and resilient players in the cryptocurrency market, are increasingly showing signs of strain and uncertainty.

Related Reading: Veteran Whales Blamed For Bitcoin’s Sharp Slide, Crypto Boss Says

After examining the Net Position Change in BTC, Swissblock, an investment pioneer and on-chain data analytics platform, detected a continued selling pressure among long-term BTC holders. The cohort has continued to sell off sizable chunks of their holdings even as the flagship crypto asset battles to find stability.

This steady selling pressure from seasoned investors outlines a rising sense of caution and fear, pointing to weakening confidence in the current market structure. With these key investors persistently selling off their holdings, BTC’s price outlook becomes increasingly complicated, triggering crucial questions about where true market conviction currently resides.

During BTC corrections, the platform highlighted that long-term holders typically halt their distribution and slowly go into accumulation mode. However, the current trend is shifting away from this dynamic as selling pressure from the cohort is not fading. 

According to the investment pioneer, these shifting market dynamics are pointing to additional downside in price before long-term holders return to accumulation mode. When this happens, the price of Bitcoin is likely to undergo a rebound and possibly restore the bull market.

BTC Supply In Loss Is Steadily Increasing

With Bitcoin’s price dropping, it is starting to leave a deeper imprint beneath the surface. Darkfost, an author at the CryptoQuant platform, reports that the portion of BTC supply held at a loss has increased following the recent market pullback.

Related Reading: Bitcoin Current Downward Trend Fails To Shake Long-Term Holder Profitability – Here’s What To Know

The development indicates increasing pressure on the network as a whole, especially among investors who entered close to recent highs. A steady increase in BTC supply in loss puts the market in a more precarious state, which might influence the asset’s next major move.

In the report shared on X, the market expert revealed that more than 6.96 million BTC accumulated by investors are currently positioned at a loss as of Wednesday. Data from the BTC Supply in Profit/Loss metric shows that this is the largest level of unrealized loss since January 2024. 

What makes this so interesting is that the ongoing correction is still below the deepest drawdown of this market cycle. This implies that a significant amount of Bitcoin was recently amassed when it was trading close to its prior ATH, which helps to explain some of the panic selling, particularly from short-term BTC holders.

However, Darkfost noted that this kind of increase in unrealized loss levels during a bullish trend has historically created strong buying opportunities. According to the expert, this is the moment when the famous change of hands narrative, which is highly discussed in the sector, often takes place.

A new WhatsApp worm is sweeping through Brazil, stealing bank logins and crypto keys from ordinary users, security firms warn.

Victims get a message that looks familiar — a delivery note, a government alert, or an invite to a group — and one click can let the threat spread through their contacts while a hidden trojan strips data from their machines.

How The Worm Spreads

According to security reports, attackers send ZIP files over WhatsApp that contain a malicious .LNK shortcut. When opened, that shortcut runs deceptive commands which load more code into memory so little is written to the hard drive.

This “fileless” step helps the malware avoid some antivirus tools. Based on reports, the infection also hijacks WhatsApp Web sessions to send the same bait to the victim’s friends, making the attack behave like a worm.

One analyst group said more than 400 “customer environments” and over 1,000 endpoints showed signs of compromise, while another firm blocked roughly 62,000 infection attempts in the first 10 days of October.

Targets And Techniques

Reports have disclosed two main strains that are active in Brazil. One is a banking trojan called Eternidade Stealer that uses a Gmail account as a hidden command channel.

The other, known as Maverick, relies on automation tools such as WPPConnect to operate WhatsApp Web and to push malicious messages from infected accounts.

The threats look for local settings before fully activating, checking timezone and language so the code runs mainly on machines set to Brazil.

Security researchers say the malware can snapshot screens, log keystrokes, and overlay fake login pages on banking or exchange websites.

The list of targets is wide: it includes 26 Brazilian banks, six crypto exchanges, and one payment platform.

Smart Filtering Makes It Worse

The attackers appear to avoid business or group contacts. That choice seems designed to keep messages within small personal circles and to reduce early detection.

Once a contact family or friend opens the link, the same cycle can repeat. Because the worm spreads by using trusted accounts, people are more likely to fall for the bait.

The use of widely available services like Gmail for control instructions makes it harder for defenders to block a single command server.

What To Do If You’re Exposed

According to security experts, if funds are at risk, act fast. Freeze or lock accounts when possible, alert your exchange or bank, and report the incident to local authorities.

Enable strong multi-factor authentication on every financial account and use withdrawal whitelists where offered. According to experts, do not open ZIP or .LNK files from WhatsApp, even from known contacts, without verifying by a separate message or a phone call.

Brazil At No. 5

Chainalysis figures show Brazil sits at the top of Latin America in crypto use, and the country holds the fifth spot in the platform’s 2025 Global Crypto Adoption Index Top 20.

Featured image from Gemini, chart from TradingView

В ближайшее время сильнее всего на биткоин будет давить политика Федеральной резервной системы США, заявили аналитики XWIN Research. По их мнению, если американский центробанк откажется снизить процентную ставку в декабре, курс актива рискует упасть ниже $80 000.

Franklin Templeton CEO’s comments about Bitcoin have resurfaced ahead of the asset manager’s XRP ETF launch. The CEO suggested that Bitcoin might not be the biggest tech in the crypto space, as she outlined other areas that will disrupt the financial system. 

Franklin Templeton’s CEO Bitcoin Comments Resurface Ahead Of XRP ETF Launch

Crypto pundit Nick shared Franklin Templeton CEO Jenny Johnson’s comments at the CNBC Delivering Alpha conference, in which she stated that Bitcoin is the greatest distraction from the greatest disruption that is coming to financial services. She further remarked that the core value of blockchain technology lies in payments, smart contracts, and tokenization. These comments have reemerged just as the $1.53 trillion asset manager is set to debut its XRP ETF. 

Nick explained that what the Franklin Templeton CEO was really suggesting is that Bitcoin lacks the viable tech to be utilized for what institutions want. He further noted that tokenization leads to institutional DeFi, which brings the entire financial system on-chain. The pundit added that the demand is far too much for inefficient networks that can’t scale. He claimed that this includes networks whose gas fees drastically increase once demand does too. 

The pundit is believed to be making a case for the XRP Ledger over other networks, including Ethereum, whose gas fees increase during high demand. Nick advised that market participants should focus on the right and most efficient tech, and that is where they will find the holy grail. 

It is worth noting that Franklin Templeton offers a tokenized U.S. government money fund available on the Ethereum, Solana, Base, Arbitrum, Aptos, and Stellar networks, but not on the Ledger. However, it remains to be seen if that will change as XRPL developers work on new features to promote tokenization on the network. 

Franklin Templeton Likely To Roll Out ETF Next Week

Bloomberg analyst James Seyffart stated that Franklin Templeton’s XRP ETF is likely to launch next week on November 24. He also opined that the Grayscale fund will go live on the same day. Franklin Templeton’s fund had earlier been projected to launch this week, based on its updated S-1 filing, which removed the delaying amendment. 

Meanwhile, Bitwise has confirmed that its XRP ETF will launch today on the NYSE under the ticker ‘XRP.’ The asset manager listed some of the things that make the altcoin interesting, including the fact that the XRPL is one of the longest-running blockchains, with a 13-year track record. The asset manager also stated that the token is used to settle payments in 3 to 5 seconds for fractions of a cent. It also noted that a growing list of assets is being tokenized on the ledger. 

At the time of writing, the altcoin price is trading at around $2.13, down almost 2% in the last 24 hours, according to data from CoinMarketCap.