MAGA | #BillsMafia | Cofounder @on_the_chain | NFT Creator @getbadassery | Crypto + Geopolitics | Decentralization = Freedom | Podcast https://xitter.twitterapi.xyz/t.co/NnH9q6s9RA
Boca Raton, Florida
Joined June 2009
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When the pandemic hit, I kept saying, "Don't worry, everything will be fine."
I learned something valuable along the way.
What I could do better than before.
@mmhmmapp #betterthanbefore
Chip – onthechain.io retweeted
⚡️ BREAKING: DTCC today announced its Tokenization Service will connect to Solana (SOL) in 2027.
DTC custodies $114 trillion in assets.
Which chain is next?
I’ve seen some embarrassing things come out of the crypto space, but this letter deserves its own category of stupidity.
Imagine sitting down, typing out an entire letter to the CEO of a multibillion-dollar company, dressing it up with a fancy letterhead and a dramatic signature, just to publicly announce that you have absolutely no understanding of the asset you invested in.
This isn’t an open letter. It’s a financial temper tantrum formatted like a business memo.
The sheer arrogance of calling yourself “The XRP Community” while begging a CEO to make your bags worth more is almost impressive.
First, who appointed you to speak on behalf of millions of XRP holders?
Second, Ripple is a private company, not your personal investment manager. Brad Garlinghouse doesn’t owe you a higher XRP price because you’ve been holding a bag for years.
Third, Ripple’s success and XRP’s market price are two entirely different things. XRP is a decentralized digital asset traded in an open market. Its price is determined by supply, demand, liquidity, speculation, and actual utility. Not by how many partnerships Ripple announces.
And here’s the part that really exposes the ignorance. You’re demanding that Ripple somehow translate its corporate success into higher XRP prices while simultaneously claiming to support a decentralized asset.
Do you even understand what you’re investing in?
Ripple has spent years fighting regulatory battles, building infrastructure, expanding globally, and developing use cases for blockchain technology. None of that comes with a contractual obligation to make your portfolio profitable.
If you want guaranteed returns, you’ve picked the wrong asset class.
And signing this embarrassing letter “The XRP Community” is the icing on the cake.
You don’t speak for me. You don’t speak for millions of holders.
You speak for yourself.
The XRP Ledger doesn’t owe you a profit. Ripple doesn’t owe you a profit. And Brad Garlinghouse certainly doesn’t owe you an apology because your investment hasn’t performed to your expectations.
This isn’t activism. It’s entitlement dressed up as advocacy.
Learn what you own, stop speaking for people who never asked you to, and do better.
He Sold 23 Million XRP xitter.twitterapi.xyz/i/broadcasts/2onzVkaJg…
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Chip – onthechain.io retweeted
From @Interledger’s October Hackathon in Medellín:
"Behind Every Protocol is a Person”
300+ People, 3 Days, One Mission: make money move freely with ILP
& Open Payments. Stefan Thomas hacked on Dassie, the next generation of ILP networks. Follow @Interledger for more.
#ILP #OpenPayments #Interledger #Fintech #Medllín
FluidVoice (@FluidVoiceApp) is hands down the best dictation software out there. Been using it since the beginning. Used it to write this post.
Wispr Flow is a $2 billion company
It sells dictation software to people who never heard of GitHub.
GitHub has a free dictation app that:
* handles transcripts on your computer (not the cloud)
* is faster
* is open source
* doesn't send your voice to someone else's computer
* will even give you meeting transcripts
Meet the woman behind @FluidVoiceApp, the speedy dictation app I've used for months.
Tell your friends it's as easy to install as the paid apps. (Actually, it's easier, since it doesn't onboard you with endless marketing surveys.)
Chip – onthechain.io retweeted
Lots of scare about an iOS exploit. Yes you should update your phone and keep it safe, but @XamanWallet users are not at risk from this exploit:
Xaman is fully self custodial so yes: your keys are on your phone and your phone alone, but:
1. The keys are in a vault and encrypted at rest
2. They thus are not readable on the phone's filesystem
3. The exploit needs App Group entitlement and Xaman doesn't use those 👌🏽
You're good with Xaman! Always update, keep things tidy, but no need to be scared about this exploit and @XamanWallet (but no guarantees about the safety practices from other crypto apps).
My agentic agent Otto is crushing it!
Win: a Wednesday call with someone I knew nothing about. Dug into the public record first, filings, career, the works. Full background in hand before the meeting. Know who you are talking to before you talk.
@stephenchip @Jeff_OnTheChain
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Chip – onthechain.io retweeted
🚨 ALERT: Binance warns an iOS flaw could expose wallet seed phrases, private keys and logins stored in app files.
The flaw "worse_query" lets malicious apps read other apps’ files on iOS 26.7.1, 27.0.1 and 27.2.
Stay safe: Update iOS and remove apps from untrusted sources.
Chip – onthechain.io retweeted
Launching the @XRP Ledger Education Month.
Up to $40,000 in awards for educators and content creators who explain upcoming amendments like the Lending Protocol, or teach how the XRP Ledger works, the role of XRP and the core protocol philosophies.
Is XRP Going Under $1? xitter.twitterapi.xyz/i/broadcasts/2EmrAyJNv…
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I can’t think of another project that’s done more for XRP than Flare.
Sentiment is down because XRP’s price is down, but there’s a much bigger picture here. Don’t let short-term price action overshadow the progress being made and the long-term potential.
Keep your eyes on the bigger picture. Stay strong.
There is renewed fud around XRP. Much of it based around what Ripple may or may not be doing.
IMO this has always been the wrong attitude to take. XRP’s value and narrative should never have been perceived as being based solely on the actions of one player. One of the reasons we built Flare is that we think that there has always been more that can and should be done with XRP.
If you want improved value and narrative, IMO the right questions to ask are:
1) “What are you doing to put your XRP to work?”
2) “What are you doing to demonstrate to those that don’t currently hold XRP that it is worth holding?”
3) “What are you doing to convert XRP from a speculative asset into usable capital?”
If you want to play your part in decoupling XRP from the false narrative that its value relies solely on the actions of one player - Flare is a great place to do that.
This is like saying, the Titanic's not sinking, it looks like it's repositioning for a better view of the iceberg! 🤣
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Chip – onthechain.io retweeted
Seven years in, most people would’ve sold at -90%. You didn’t maybe.
If you bought XRP in 2018, you’re not wrong to be disappointed. If you bought in 25’ & 26’ wait your turn should you choose too.
Below are the numbers if you were to have bought XRP as of January 1 of that year and held it to date. Based off of a $1.16 USD $XRP
Jan 1, 2013 — $0.006. +19,200% entry to present. ~46%/yr. WIN
Jan 1, 2014 — $0.024. +4,700% entry to present. 35%/yr. WIN
Jan 1, 2015 — $0.006. +19,200% entry to present. 56%/yr. WIN
Jan 1, 2017 — $0.0065. +17,700% entry to present. 69%/yr. WIN (best Jan entry)
Jan 1, 2016 — $0.0065. +17,600% entry to present. 61%/yr. WIN
Jan 1, 2018 — $2.30. −50% entry to present. −7.5%/yr. LOSS
Jan 1, 2019 — $0.36. +222% entry to present. 16%/yr. WIN
Jan 1, 2020 — $0.19. +511% entry to present. 30%/yr. WIN
Jan 1, 2021 — $0.22. +427% entry to present. 33%/yr. WIN
Jan 1, 2022 — $0.83. +40% entry to present. 7%/yr. WIN (barely)
Jan 1, 2023 — $0.34. +241% entry to present. 38%/yr. WIN
Jan 1, 2024 — $0.63. +84% entry to present. 24%/yr. WIN
Jan 1, 2025 — $2.08. −44% entry to present. −27%/yr. LOSS
Jan 1, 2026 — $1.84. −37% entry to present (10 months). −42% annualized. LOSS (too early)
Bonus: March 12, 2020 crash low ~$0.10. +1,060% entry to present. ~45% compounded. Best possible entry if you caught it.
Scorecard: 11 wins, 3 losses on Jan 1 entries. Wins were massive; losses were capped. XRP punished late/cycle-top buyers and rewarded early ones. 2017 was the golden ticket.
Compounded is the honest number; simple ROI ignores gains stacking.
Note: entry prices are approximate historical references for illustration — actual fills varied by exchange and liquidity, especially in 2013–2015 when XRP barely traded.
Not Financial Advice.
🚀🚀🚀
Best thing I've read all day.
Keep building. Find the commonalities. Division is counter productive.
When leaders of projects fight with each other publicly, it divides the community.
Many holders are invested in both projects.
Making people choose sides is really counterproductive for everyone.
Can we just agree to disagree and keep building?
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The anti-crypto Democrats have been blocking this bill every step of the way for over a year, since the House passed it on July 17, 2025. The Senate received the bill and referred it to the Banking Committee on September 18, 2025, and that is when deliberations began.
From that point, they demanded stronger consumer protections, tighter illicit-finance rules, limits on stablecoin yields, and less federal preemption of state authority. Those were the opening asks. Republicans incorporated a long list of them as negotiations dragged on through 2025 and into 2026.
The demands kept shifting. Later they focused on ethics restrictions for officials’ crypto holdings. They specifically wanted state attorneys general to have their own enforcement power instead of leaving it only to the U.S. Attorney General and the Justice Department. Trump and Republicans agreed to about 80% of the Tillis-Gallego ethics proposal, including divestiture or a blind trust, and put state AGs in the loop. Still not good enough.
By the final text in September 2026, Senators Cynthia Lummis, Tim Scott, and John Boozman said they had taken in more than 100 other Democratic-requested changes. Democrats still voted no on advancing the bill. Every single one.
They were never going to pass it.
Sens. Ruben Gallego (D-AZ) and Elissa Slotkin (D-MI) each received roughly $10 million in support from the crypto super PAC Fairshake (and affiliated groups) during their 2024 campaigns. No other Democratic senator received a comparable amount at that level. Other so-called pro-crypto Democrats who took industry support or helped negotiate the bill, including Sens. Angela Alsobrooks, Kirsten Gillibrand, and Mark Warner, still voted no along with every other Senate Democrat.
This failure belongs entirely to the Democrats, not to Brian Armstrong (@brian_armstrong), the crypto industry, or the Republicans.
🚨NEW: Former House Financial Services Chair @PatrickMcHenry just delivered blistering criticism of the crypto industry on @BloombergTV for squandering its best opportunity to pass market structure legislation this year:
“Frankly, you had a crypto coalition that blew it. They had an opportunity to legislate, and they were holding out for something that was unattainable, a perfect piece of legislation. And rather than take something that was good, many of them held out for perfection, and now have ended up with nothing legislatively.”