What changed in Q3 2026
All developments · 2026 roundup
- Company-reported
Armada II shareholders approve the Evernorth merger Armada Acquisition Corp. II shareholders approved the business combination with Evernorth at the extraordinary general meeting on September 30, 2026, Evernorth said in its October 1 release. Closing is expected on October 7, 2026; then the company will operate as Evernorth Holdings, Inc. (Shareholders Approve Evernorth Business Combination; Transaction and Related Private Placements Have Raised Over $1 Billion; Nasdaq Trading Under "XRPN" Expected to Begin on October 8)
→ What does Evernorth's Nasdaq listing change, and is it new buying of XRP?
→ What is Evernorth, who backs it, and how much XRP does it hold?
→ Could an XRP treasury company be forced to sell its XRP? - Confirmed
UK FCA opens its crypto authorisation gateway The FCA said on September 30, 2026 that crypto firms can apply for authorisation from that day. Firms that intend to keep operating in the UK should apply by February 28, 2027, ahead of the new regime coming into force on October 25, 2027. (FCA opens the gateway to regulated crypto)
→ How is XRP classified and regulated outside the US (EU, UK, Japan, Singapore, Canada)? - Company-reported
Ripple Announces Swell 2026 Lineup On September 29, 2026, Team Ripple announced on its website that the Swell 2026 lineup is here. (Ripple Swell 2026 Lineup: Speakers, Tracks & Agenda.) - Confirmed
Fed Governor Waller speaks on payments in the age of AI agents at Sibos Federal Reserve Governor Christopher Waller spoke on "Payments in the Age of AI Agents" at Sibos 2026 in Miami on September 29, 2026. The speech dealt with AI in cross-border payments, security and agentic commerce; it mentioned stablecoins only in passing. (Speech by Governor Waller on payments in the age of AI agents)
→ Who does XRP actually compete with in cross-border payments? - Company-reported
RLUSD August 2026 attestation published The August 2026 RLUSD attestation, an examination dated September 29, 2026, recorded 2,325,969,308 RLUSD outstanding against reserve assets of $2,446,312,864 as of August 31, 2026, Yahoo Finance reported. Ripple's transparency page lists attestations through August 2026. (RLUSD Growth Adds Liquidity, But What Does it Mean for XRP Ripple?)
→ What backs RLUSD, Ripple's stablecoin?
→ How much RLUSD exists, and how fast is it growing? - Company-reported
Brazil's CSD BR starts using the XRP Ledger to record fund shares Ripple said on September 29, 2026 that CSD BR, which has more than BRL 22 trillion in registered assets, will begin using the XRP Ledger as an additional layer for recording and auditing financial assets, starting with BTG Pactual investment fund shares. CSD BR's own database remains the official record, CoinDesk reported. (CSD BR and Ripple Use the XRP Ledger Blockchain to Expand Brazil's Financial Market Infrastructure)
→ How much tokenized asset value is on the XRP Ledger? - Company-reported
Citi and Coinbase expand their stablecoin payments collaboration Citi said it is expanding its work with Coinbase to connect digital and fiat payments for corporate and institutional clients, including merchant stablecoin acceptance through Spring by Citi, which automatically converts digital currency into fiat. The release names no specific stablecoin or blockchain and does not mention XRP or Ripple. (Citi and Coinbase Expand Collaboration to Connect Digital and Fiat Payments for Corporations and Consumers)
→ Who does XRP actually compete with in cross-border payments? - Confirmed
Sibos 2026 opens in Miami Swift's annual banking conference runs 28 September to 1 October at the Miami Beach Convention Center, with sessions on 'the Swift Ledger: from vision to implementation' and tokenised finance. Watch for any bank announcements about Swift's blockchain ledger, and whether any of them involve public networks or currency conversion. (When is Sibos Miami taking place? | Sibos)
Outcome (October 1, 2026): Sibos ran in Miami from September 28 to October 1, 2026. At the event, Swift's chief executive said its blockchain ledger had gone live (see the September 30 entry), and Fed Governor Waller spoke on AI in payments (see the September 29 entry).
→ What is Swift's blockchain ledger, and is it live?
→ Is XRP replacing SWIFT, or could they work together? - Company-reported
UK banks complete first live tokenised sterling deposit transactions UK Finance said participants in the Great British Tokenised Deposit (GBTD) initiative, which involves Barclays, HSBC UK, Lloyds Banking Group, Monzo, Nationwide, NatWest and Santander, completed the first live customer transactions using tokenised sterling deposits, including two remortgage completions. UK Finance says the GBTD platform was developed by Quant as shared industry infrastructure. The release does not mention XRP, public blockchains or currency conversion. (UK banks complete first live customer transactions using tokenised sterling deposits)
→ Who does XRP actually compete with in cross-border payments? - Company-reported
The Clearing House picks Quant for a US tokenised-deposit network The Clearing House, which says its systems clear and settle more than $2 trillion each day, selected Quant to power its On-Chain Money Initiative, described as a new payments network that will let financial institutions clear and settle tokenised deposit transactions. The release does not mention XRP, Ripple or public blockchains. (The Clearing House Partners with Quant to Advance the On-Chain Money Initiative | The Clearing House)
→ Who does XRP actually compete with in cross-border payments? - In development
Federal Reserve Seeks Comment on Stablecoin Issuer Framework Proposals On September 24, 2026, the Federal Reserve Board requested public comment on two proposals to establish a regulatory framework for Board-supervised payment stablecoin issuers under the GENIUS Act. (Federal Reserve Board requests public comment on two proposals related to establishing a regulatory framework for Board-supervised payment stablecoin issuers under the GENIUS Act) - Company-reported
Bitget theft includes XRP Ledger assets Bitget reported a security incident on 24 September. Its later update put the total transferred to attacker-controlled addresses at $387.5 million, up from an initial estimate of $351.6 million, across Ethereum and several EVM networks, the XRP Ledger, Zcash and TRON. Bitget says the underlying vulnerability has been remediated but has not published how the attack happened, and it is offering bounties for frozen or recovered funds. (The incident involved assets across Ethereum and several EVM networks, XRP Ledger, Zcash and TRON. The primary attacker-controlled receiving addresses identified to date are:)
Outcome (September 25, 2026): Bitget said on September 25, 2026 that about $387.5 million was transferred to attacker-controlled addresses, up from its first estimate of $351.6 million, across Ethereum and EVM networks, the XRP Ledger, Zcash and TRON; it said the vulnerability was remediated and offered a 5% bounty for frozen or recovered funds. CoinDesk reported on September 26 that about 103 million XRP was split across five accounts. (Bitget security update)
→ Does Ripple control XRP or the XRP Ledger, and can it freeze my coins? - Company-reported
XRPL fixes reserve sponsorship bug in xrpld v3.4.0 XRPL.org stated that the fix to enforce conditional exit on reserve sponsorship is included in xrpld v3.4.0, released on September 17, 2026. (Vulnerability Disclosure Report: XLS-68 Sponsored Fees and Reserves) - Confirmed
SEC to host roundtable on 24-hour U.S. equity trading The SEC is hosting a roundtable to discuss moving towards 24-hour trading in U.S. equity markets, covering preparations for overnight trading, operations and resiliency in a 24-hour market, and opportunities and challenges for expansion, per the SEC, dated 2026-09-17. (SEC.gov | Roundtable on Preparations for 24-Hour Trading) - Company-reported
xrpld version 3.4.0 released On September 16, 2026, xrpl.org announced that version 3.4.0 of xrpld, the reference server implementation of the XRP Ledger protocol, is now available. (Introducing XRP Ledger version 3.4.0) - Confirmed
CLARITY Act cloture fails 49–50; motion to reconsider entered The Senate did not invoke cloture on the motion to proceed to H.R. 3633, the Digital Asset Market Clarity Act, by 49–50. Senator Tillis entered a motion to reconsider, which keeps a revote procedurally possible. News reports put the next Senate work period at 5 October to 6 November. (U.S. Senate Roll Call Vote 234, 119th Congress, 2nd Session)
→ What happened to the CLARITY Act, and does it affect XRP?
→ Could a future US government reverse XRP's regulatory position? - Company-reported
Singapore banks run live tokenised SGD transactions on Swift's ledger DBS, OCBC and UOB completed Singapore's first live interbank transactions using tokenised deposits on Swift's ledger. Their obligations were netted on the ledger and then settled through existing systems. (First blockchain-enabled SGD transactions | OCBC Singapore)
→ What is Swift's blockchain ledger, and is it live? - Company-reported
Weekend cross-border USD payment on Swift's ledger (news report) CoinDesk reports that DBS and Citi completed a Singapore-to-New York USD payment using tokenised deposits over a weekend on Swift's ledger. This is a news report; the banks' own release was not reviewed. (DBS and Citi execute first weekend cross-border payment on Swift ledger)
→ What is Swift's blockchain ledger, and is it live? - Confirmed
XRPH wallet drain (weak key generation) On 2026-09-03, xrpl.social reported that app-created padlock wallets appear to have been generated from a much smaller effective keyspace than normal XRPL wallets. (XRPH Wallet Incident: Public Forensics Report) - Company-reported
Swift says its blockchain ledger is live; at least 19 banks expected by year-end Swift's chief executive, Javier Pérez-Tasso, said at the opening of Sibos 2026 in Miami that Swift's blockchain-based ledger is live and that by the end of the year at least 19 banks will be using it across five major currencies for 24/7 payments in tokenised deposits, The Fintech Times reported on September 29, 2026. (Sibos 2026 day one: Fraser tells Miami to move fast without breaking trust (The Fintech Times, September 29, 2026))
→ What is Swift's blockchain ledger, and is it live?
→ Is XRP replacing SWIFT, or could they work together? - Company-reported
Ripple Prime launches Delta One business for institutional clients On August 27, 2026, Ripple announced the launch of its Delta One business within Ripple Prime, its global, multi-asset prime brokerage platform, expanding equity derivatives capabilities for institutional clients. (Ripple Prime Launches Delta One Business, Expanding Equity Derivatives Capabilities for Institutional Clients) - Company-reported
UOB completes live cross-border HKD transactions on Swift's ledger UOB said it completed live cross-border transactions in Hong Kong dollars on Swift's blockchain-based ledger. As in the other bank releases, the ledger coordinates tokenised-deposit transfers; no public chain or currency conversion was involved. (UOB and HSBC complete live cross-border transactions on Swift’s ledger)
→ What is Swift's blockchain ledger, and is it live? - Company-reported
Clio 2.8.0 Released for XRP Ledger API Server On August 20, 2026, xrpl.org announced that version 2.8.0 of Clio, an XRP Ledger API server optimized for HTTP and WebSocket API calls, is now available. (Introducing Clio version 2.8.0) - Company-reported
First live cross-border transaction on Swift's ledger Standard Chartered and HSBC reported the first live cross-border tokenised-deposit transaction on Swift's ledger. The ledger matched and netted the two banks' obligations 'prior to final settlement through existing systems'. No public chain or currency conversion was involved. (Standard Chartered and HSBC execute first live tokenised deposit transaction on Swift’s blockchain-based ledger)
→ What is Swift's blockchain ledger, and is it live?
→ Is XRP replacing SWIFT, or could they work together? - Company-reported
Ripple Prime Closes $275 Million Senior Notes Offering Ripple announced on August 18, 2026 that it successfully closed an upsized $275 million private placement of senior unsecured notes issued by Ripple Prime, its non-bank prime brokerage, to support its ongoing and expanding U.S. business. (Ripple Prime Closes $275 Million Senior Notes Offering) - Company-reported
Ripple and Jeonbuk Bank Partner on Cross-border Payments Ripple announced on August 18, 2026 that it partnered with Jeonbuk Bank to modernize cross-border payments for Korea's regional banking sector. (Ripple and Jeonbuk Bank Partner to Modernize Cross-border Payments for Korea’s Regional Banking Sector) - Confirmed
Treasury Issues Proposed Rulemaking on GENIUS Act Stablecoin Implementation On August 17, 2026, the U.S. Department of the Treasury announced it issued a Notice of Proposed Rulemaking seeking public comment on its implementation of section 3 of the GENIUS Act, according to a Treasury press release. (Treasury Seeks Public Comment on GENIUS Act Proposed Rulemaking) - Confirmed
Attacker Drains ~200,000 XRP from tx XRPL Bridge On August 9, 2026, an attacker drained the tx (formerly Coreum) XRPL bridge of 199,916.3 XRP across 94 payments in 87 minutes, leaving a reserve that had held roughly 200,410 XRP with about 493 XRP in it, according to Sigint Zero's blog. (How Does an XRPL Bridge Know a Deposit Happened?) - Company-reported
Ripple Announces Strategic Investments in ZILO and Licuido On August 3, 2026, Ripple announced strategic investments in ZILO, a global transfer agency asset technology provider, and Licuido, a tokenization solution and trading platform, as part of its push into capital markets. (Ripple Strengthens Digital Capital Markets Infrastructure with Investments in ZILO and Licuido) - Company-reported
FXRP live as collateral in Sentora's RLUSD vault on Morpho Flare states that in August, FXRP went live as collateral in Sentora's RLUSD vault on Morpho, on Ethereum mainnet, as announced on August 15, 2026. (FXRP approved as collateral in $280m RLUSD vault - FinanceFeeds) - Company-reported
XRPLiquid pauses after reward wallet security incident XRPLiquid stated that on Friday, July 24, a security incident affected its reward distribution system, and that the rewards hot wallet and a test wallet were compromised. (XRPLiquid Is Pausing After Epoch 65 | XRPLiquid) - Company-reported
Ripple introduces Ripple Mint Ripple published a post titled "Meet Ripple Mint" on its website on July 23, 2026, introducing Ripple Mint. (Meet Ripple Mint) - Company-reported
Ripple Launches University Digital Asset Xcelerator in Brazil Ripple announced it launched the University Digital Asset Xcelerator (UDAX) in Brazil to boost development of the XRP ecosystem, in a company post dated July 13, 2026. (Ripple launches University Digital Asset Xcelerator (UDAX) in Brazil to boost the development of the XRP ecosystem) - Company-reported
Swift says its blockchain ledger is ready for initial use Swift said its blockchain-based shared ledger, 'a secure orchestration layer for bank-issued tokenised deposits', is ready for initial use, with 17 banks on six continents preparing live pilots for 24/7 payments. Final settlement still runs through existing systems. (Swift Blockchain Ledger Goes Live: 17 Global Banks Prepare to Pilot Tokenized Cross-Border Payments - The Vanderbilt Report)
→ What is Swift's blockchain ledger, and is it live?