Pierre Rochard claimed Ripple could manipulate XRPL, threatening decentralisation.
David Schwartz said forks and supply changes require validator consensus.
Finance Magnates
The ongoing debate over Ripple, the XRP Ledger (XRPL), and
the possibility of including XRP in a US crypto reserve continues to grow.
Allegations of centralisation have emerged, adding complexity to the
discussion.
In response, David Schwartz, Ripple’s Chief Technology Officer, has
defended the platform's decentralisation, arguing that XRP's structure and
mechanisms ensure resilience against manipulation,Dimsumdaily HK reported.
Meanwhile, XRPUSD has remained bearish, adhering to a
trendline. The H1 chart suggests it may have found support at a level where the
price previously reacted.
Ripple Faces Criticism Over XRPL
Critics, especially Bitcoin supporters, remain sceptical of
XRP’s structure. Pierre Rochard, Vice President of Research at Riot Platforms,
argues that Ripple could manipulate the XRPL software, adjust escrow locks, or
flood the market with additional XRP. He believes such actions would undermine
decentralisation and expose the ecosystem to risks.
Schwartz countered these concerns, explaining that XRPL uses
a consensus algorithm, unlike Bitcoin’s proof-of-work model. He also noted that
XRPL validators are not paid, reducing the likelihood of fraud or manipulation.
Furthermore, any changes to the network, including forks and supply
adjustments, require consensus from the validators, making unilateral
alterations by Ripple or any party highly unlikely.
Garlinghouse emphasized that Ripple’s efforts are consistent
with advancing the possibility of a US crypto reserve, which could include
Bitcoin, as reported by Finance
Magnates.
XRPUSD, H1 Chart, Source: TradingView
XRPUSD Tests Key Support Level
The XRPUSD H1 chart shows multiple rejections at the
trendline's resistance. During the latest rejection, an Evening Star pattern
formed, followed by a strong bearish move. On its way down, the price broke
significant levels, including 3.03350 and 2.92250.
The level of 2.75650 has
acted as support, holding the price steady. Traders may closely monitor price
action around this level to determine its next direction on the intraday
charts.
Ripple Makes Strategic Moves in 2025
Ripple has been involved in several notable developments
recently. CEO Brad Garlinghouse and Chief Legal Officer Stuart Alderoty attended
a private dinner with President-elect Donald Trump on January 6, which
sparked speculation regarding Ripple’s ongoing legal battle with the US
Securities and Exchange Commission (SEC).
In another initiative, Ripple
donated $100,000 in XRP to aid communities affected by California
wildfires, supporting organizations such as World Central Kitchen and
GiveDirectly through The Giving Block platform.
Additionally, the
SEC filed an appeal on January 15, 2025, challenging a federal court's
ruling that classified XRP sold to retail investors as non-securities. The SEC
seeks to overturn the decision made by Judge Analisa Torres in July 2023,
arguing that XRP issued as employee compensation and in business transactions
should be classified as securities.
On the expansion front, Ripple
has made significant strides in Japan, with banks expected to adopt the XRP
Ledger by 2025. This integration, announced by SBI CEO Yoshitaka Kitao, aims to
enhance cross-border payments and improve currency conversions for
international remittances.
The ongoing debate over Ripple, the XRP Ledger (XRPL), and
the possibility of including XRP in a US crypto reserve continues to grow.
Allegations of centralisation have emerged, adding complexity to the
discussion.
In response, David Schwartz, Ripple’s Chief Technology Officer, has
defended the platform's decentralisation, arguing that XRP's structure and
mechanisms ensure resilience against manipulation,Dimsumdaily HK reported.
Meanwhile, XRPUSD has remained bearish, adhering to a
trendline. The H1 chart suggests it may have found support at a level where the
price previously reacted.
Ripple Faces Criticism Over XRPL
Critics, especially Bitcoin supporters, remain sceptical of
XRP’s structure. Pierre Rochard, Vice President of Research at Riot Platforms,
argues that Ripple could manipulate the XRPL software, adjust escrow locks, or
flood the market with additional XRP. He believes such actions would undermine
decentralisation and expose the ecosystem to risks.
Schwartz countered these concerns, explaining that XRPL uses
a consensus algorithm, unlike Bitcoin’s proof-of-work model. He also noted that
XRPL validators are not paid, reducing the likelihood of fraud or manipulation.
Furthermore, any changes to the network, including forks and supply
adjustments, require consensus from the validators, making unilateral
alterations by Ripple or any party highly unlikely.
Garlinghouse emphasized that Ripple’s efforts are consistent
with advancing the possibility of a US crypto reserve, which could include
Bitcoin, as reported by Finance
Magnates.
XRPUSD, H1 Chart, Source: TradingView
XRPUSD Tests Key Support Level
The XRPUSD H1 chart shows multiple rejections at the
trendline's resistance. During the latest rejection, an Evening Star pattern
formed, followed by a strong bearish move. On its way down, the price broke
significant levels, including 3.03350 and 2.92250.
The level of 2.75650 has
acted as support, holding the price steady. Traders may closely monitor price
action around this level to determine its next direction on the intraday
charts.
Ripple Makes Strategic Moves in 2025
Ripple has been involved in several notable developments
recently. CEO Brad Garlinghouse and Chief Legal Officer Stuart Alderoty attended
a private dinner with President-elect Donald Trump on January 6, which
sparked speculation regarding Ripple’s ongoing legal battle with the US
Securities and Exchange Commission (SEC).
In another initiative, Ripple
donated $100,000 in XRP to aid communities affected by California
wildfires, supporting organizations such as World Central Kitchen and
GiveDirectly through The Giving Block platform.
Additionally, the
SEC filed an appeal on January 15, 2025, challenging a federal court's
ruling that classified XRP sold to retail investors as non-securities. The SEC
seeks to overturn the decision made by Judge Analisa Torres in July 2023,
arguing that XRP issued as employee compensation and in business transactions
should be classified as securities.
On the expansion front, Ripple
has made significant strides in Japan, with banks expected to adopt the XRP
Ledger by 2025. This integration, announced by SBI CEO Yoshitaka Kitao, aims to
enhance cross-border payments and improve currency conversions for
international remittances.
Tom Lee Cuts $250K Bitcoin Price Prediction on Thanksgiving, but Cathie Wood Stays BTC Bull
Marketing in 2026 Audiences, Costs, and Smarter AI
Marketing in 2026 Audiences, Costs, and Smarter AI
As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
- A nuts-and-bolts account of acquisition costs across platforms and geos
- Analysis of today’s multi-layered audience segments and differences in behaviour
- First-hand account of how global brokers balance consistency and local flavour
- Notes from the field about intelligently using AI and automation in marketing
Speakers:
-Yam Yehoshua, Editor-In-Chief at Finance Magnates
-Federico Paderni, Managing Director for Growth Markets in Europe at X
-Jo Benton, Chief Marketing Officer, Consulting | Fractional CMO
-Itai Levitan, Head of Strategy at investingLive
-Roberto Napolitano, CMO at Innovate Finance
-Tony Cross, Director at Monk Communications
#fmls #fmls25 #fmevents #FintechMarketing #AI #DigitalStrategy #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As brokers eye B2B business and compete with fintechs and crypto exchanges alike, marketers need to act wisely with often limited budgets. AI can offer scalable solutions, but only if used properly.
Join seasoned marketing executives and specialists as they discuss the main challenges they identify in financial services in 2026 and how they address them.
Attendees of this session will walk away with:
- A nuts-and-bolts account of acquisition costs across platforms and geos
- Analysis of today’s multi-layered audience segments and differences in behaviour
- First-hand account of how global brokers balance consistency and local flavour
- Notes from the field about intelligently using AI and automation in marketing
Speakers:
-Yam Yehoshua, Editor-In-Chief at Finance Magnates
-Federico Paderni, Managing Director for Growth Markets in Europe at X
-Jo Benton, Chief Marketing Officer, Consulting | Fractional CMO
-Itai Levitan, Head of Strategy at investingLive
-Roberto Napolitano, CMO at Innovate Finance
-Tony Cross, Director at Monk Communications
#fmls #fmls25 #fmevents #FintechMarketing #AI #DigitalStrategy #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Much like their traders in the market, brokers must diversify to manage risk and stay resilient. But that can get costly, clunky, and lengthy.
This candid panel brings together builders across the trading infrastructure space to uncover the shifting dynamics behind tools, interfaces, and full-stack ambitions.
Attendees will hear:
-Why platform dependency has become one of the most overlooked risks in the trading business?
-Buy vs. build: What do hybrid models look like, and why are industry graveyards filled with failed ‘killer apps’?
-How AI is already changing execution, risk, and reporting—and what’s next?
-Which features, assets, and tools gain the most traction, and where brokers should look for tech-driven retention?
Speakers:
-Stephen Miles, Chief Revenue Officer at FYNXT
-John Morris, Co-Founder at FXBlue
-Matthew Smith, Group Chair & CEO at EC Markets
-Tom Higgins, Founder & CEO at Gold-i
-Gil Ben Hur, Founder at 5% Group
#fmls #fmls25 #fmevents #Brokers #Trading #Fintech #FintechInnovation #TradingTechnology #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Much like their traders in the market, brokers must diversify to manage risk and stay resilient. But that can get costly, clunky, and lengthy.
This candid panel brings together builders across the trading infrastructure space to uncover the shifting dynamics behind tools, interfaces, and full-stack ambitions.
Attendees will hear:
-Why platform dependency has become one of the most overlooked risks in the trading business?
-Buy vs. build: What do hybrid models look like, and why are industry graveyards filled with failed ‘killer apps’?
-How AI is already changing execution, risk, and reporting—and what’s next?
-Which features, assets, and tools gain the most traction, and where brokers should look for tech-driven retention?
Speakers:
-Stephen Miles, Chief Revenue Officer at FYNXT
-John Morris, Co-Founder at FXBlue
-Matthew Smith, Group Chair & CEO at EC Markets
-Tom Higgins, Founder & CEO at Gold-i
-Gil Ben Hur, Founder at 5% Group
#fmls #fmls25 #fmevents #Brokers #Trading #Fintech #FintechInnovation #TradingTechnology #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Educators, IBs, And Other Regional Growth Drivers
Educators, IBs, And Other Regional Growth Drivers
When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers.
This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025.
Key Themes:
- Building trader communities through education and local expertise
- Aligning broker incentives with long-term regional strategies
- Regional regulation and the realities of compliant acquisition
- What’s next for performance-driven partnerships in online trading
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets
-Brunno Huertas, Regional Manager – Latin America at Tickmill
-Paul Chalmers, CEO at UK Trading Academy
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
The Leap to Everything App: Are Brokers There Yet?
The Leap to Everything App: Are Brokers There Yet?
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place.
This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced.
Speakers:
-Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association
-Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co.
-Jordan Sinclair, President at Robinhood UK
-Simon Pelletier, Head of Product at Yuh
Gerald Perez, CEO at Interactive Brokers UK
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
Mind The Gap: Can Retail Investors Save the UK Stock Market?
Mind The Gap: Can Retail Investors Save the UK Stock Market?
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task.
Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint:
-Are they happy with the Leeds Reform, in principle and in practice?
-Is it the government’s job to affect the ‘saver’ mentality? Is it doing well?
-What can brokers and fintechs do to spur UK investment?
-How can the FCA balance greater flexibility with consumer protection?
Speakers:
-Adam Button, Chief Currency Analyst at investingLive
-Nicola Higgs, Partner at Latham & Watkins
-Dan Lane, Investment Content Lead at Robinhood UK
-Jack Crone, PR & Public Affairs Lead at IG
-David Belle, Founder at Fink Money
#fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance
Connect with us at:
🔗 LinkedIn: / financemagnates-events
👍 Facebook: / financemagnatesevents
📸 Instagram: / fmevents_official
🐦 Twitter: / f_m_events
🎥 TikTok: / fmevents_official
