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🚨 NOW: Analysts say $XRP is likely to trade sideways through 2026 as markets wait for fresh bullish catalysts to emerge.

Business leader Jake Claver recently commented on the structural differences between Bitcoin’s Lightning Network and the XRP Ledger, offering a detailed assessment of how each system approaches scalability, settlement, and institutional use. Rather than focusing on market sentiment, his remarks centered on design choices and practical limitations that could shape how these networks are used in real-world financial environments. Let's talk about $BTC Lightning Network vs the $XRP Ledger pic.twitter.com/H8SVf1hgpU — Jake Claver, QFOP (@beyond_broke) December 26, 2025 How the Lightning Network Functions Claver described the Lightning Network as a second-layer solution built on top of Bitcoin. In his view, it operates by locking Bitcoin on the base layer and allowing users to exchange value within off-chain channels, with final settlement occurring when those funds are released back to the main network. This structure enables faster transactions compared to Bitcoin’s base layer, but he argued that it remains constrained by the underlying design of Bitcoin itself. According to Claver, even with Lightning, throughput remains far below the levels required for large-scale payment systems. He suggested that Bitcoin’s architecture was never intended to support the type of transaction volumes seen in global networks, such as major card processors. In his assessment, no secondary layer can fully overcome those limits if the base layer lacks the necessary functionality for high-speed, high-volume settlement. Scalability and Structure of the XRP Ledger Turning to the XRP Ledger, Claver pointed to its on-ledger performance, noting that its transaction capacity is already far higher than Bitcoin’s base layer. He acknowledged that even this level may not be sufficient for the largest institutional use cases. However, he emphasized that the XRPL is designed to evolve through sidechains and subnet-style structures that can expand throughput while remaining interoperable with the main network. He framed this approach as fundamentally different from a temporary overlay, arguing that scaling solutions tied directly to the XRPL’s architecture allow for real settlement between counterparties. In his view, this makes the network more suitable for financial products that require certainty, speed, and direct finality. Limits of Bitcoin for Financial Applications Claver also addressed Bitcoin’s broader capabilities, stating that it lacks native support for issuing assets and more complex financial functions. While he acknowledged ongoing efforts to adapt Bitcoin for additional uses, he characterized these as workarounds built on a system not originally designed for such purposes. He contrasted this with the XRPL’s built-in features, including decentralized exchange functionality and tools that can support compliance, digital identity, and credential frameworks. From his perspective, Bitcoin’s evolution toward a store-of-value narrative reflects these constraints. He argued that decisions made early in its development, particularly around block size and network structure, shifted it away from the peer-to-peer payment vision originally outlined for the protocol. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Institutional Readiness and Long-Term Outlook Claver concluded that large financial institutions will require networks capable of direct settlement, interoperability, and sustained high throughput. He positioned the XRP Ledger, with its sidechain strategy and focus on native functionality, as better aligned with those requirements than Bitcoin and its layered extensions. Overall, his comparison presented two distinct philosophies: one centered on preserving a base layer with limited change while adding external solutions, and another focused on building scalability and functionality into the core framework to meet the demands of modern financial markets. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X, Facebook, Telegram, and Google News

Institutional investors just sold an overall total of $952 billion in Bitcoin and crypto assets in only one week, according to a new update from Coinshares. This marks the first outflows in four weeks for digital asset investment products. (adsbygoogle = window.adsbygoogle || []).push({}); var didna = window.didna || {}; didna.cmd = didna.cmd || []; var didna_counter = window.didna_counter || 0; didna.cmd.push(function(){ var spot = document.querySelector(".didna-ad-slot5"); var id = "didna_slot5" + didna_counter; spot.id = id; spot.classList.remove("didna-ad-slot5"); didna.createAdUnits({"id": id, "adUnitPath": "/170737076,21807346590/display/TheDailyHodl/dailyhodl.com", "size": [728, 90], "sizeMap": [[[728, 0], [[728, 90], [468, 60]]],[[468, 0], [468, 60]],[[320, 0], [[320, 50], [320, 100]]]]}); didna_counter++; }); --> CoinShares notes the sell-off happened alongside delays in the US Clarity Act and concerns over whale investors selling adding pressure. Ethereum led the outflows with $555 million withdrawn. Bitcoin followed with $460 million in outflows. Solana saw inflows of $48.5 million, while XRP gained $62.9 million. The US drove most of the negative flow. Outflows there reached $990 million. Canada offset some with $46.2 million in inflows. Germany added $15.6 million. Assets under management now stand at $46.7 billion, below below last year’s $48.7 billion. Year-to-date inflows for Bitcoin hit $27.2 billion. That’s down from $41.6 billion in 2024. Ethereum’s year-to-date inflows are $12.7 billion, up from $5.3 billion last year. Follow us on X, Facebook and Telegram Don't Miss a Beat – Subscribe to get email alerts delivered directly to your inbox Check Price Action Surf The Daily Hodl Mix Featured Image: Shutterstock/thvideostudio/PurpleRender

Ripple Labs is doubling down on its presence in Japan, drawing on longstanding relationships with the countrys traditional financial institutions. The strategy is aimed at increasing adoption and interest in the XRP Ledger (XRPL). This week, Asia Web3 Alliance Japan and Web3 Salon launched the Japan Financial Infrastructure Innovation Program. The initiative is designed to support Japanese startups developing next-generation, compliant digital financial solutions on the XRP Ledger. Ripples Japan Strategy Tests Whether Institutions Can Lift XRP The program opened applications on December 19 and is offering a $10,000 grant per startup. It is narrowly focused on three high-value verticals, including stablecoins, real-world asset tokenization, and credit infrastructure. Japan offers an overwhelming opportunity for blockchain innovation, supported by a forward-thinking regulatory framework and deep talent pool. This program represents Ripples commitment to fostering a vibrant ecosystem where startups can leverage the speed, low cost, and reliability of the XRP Ledger to create real-world benefits and transform financial infrastructure, Christina Chan, Senior Director of Developer Growth at RippleX, said. Analysts view it as a low-cost funnel for identifying candidates for Ripples significantly larger capital pool, including the 1 billion XRP fund dedicated to developers in Japan and Korea. The program has secured backing from a formidable roster of establishment players, including Mizuho Bank, SMBC Nikko Securities, and Securitize Japan. @AWAJ_official and @Web3Salon, with support from #JETRO and @RippleXrpie, are proud to announce the Japan Financial Infrastructure Innovation Program (JFIIP) 🇯🇵 during the Japan Fintech Week🗓 Dec 19, 2025 Jan 18, 2026👉 Apply here: https://t.co/kW1uq9uu6P#FinTech #XRPL pic.twitter.com/5cBox776PD Asia Web3 Alliance Japan (AWAJ) (@AWAJ_official) December 24, 2025 Despite the initiatives high-profile corporate backing, it comes at a precarious moment for the network. While Ripple touts institutional adoption, the underlying usage of the XRPL tells a conflicting story of contraction. According to data from DefiLlama, the Total Value Locked (TVL) on the XRPL has plummeted in recent months. The TVL has fallen from a July high of $120 million to roughly $62 million as of press time. This nearly 50% drawdown suggests that capital is exiting the networks DeFi protocols even as corporate partnerships expand. Meanwhile, the broader crypto market downturn likely contributed to the drawdown, as Bitcoin has fallen 30% from its October high of more than $126,000. Furthermore, the push into asset tokenization faces stiff competition. According to Rwa.xyz, XRPL currently ranks ninth globally in tokenized assets, with approximately $213 million in assets. While substantial, this lags significantly behind networks like Ethereum and newer competitors that have captured the lions share of the RWA market. Considering this, the JFIIP program is more than a startup accelerator. By entrenching itself in Japans banking infrastructure, Ripple hopes to create a sticky ecosystem that is immune to the speculative volatility of the broader crypto market. Read the article at BeInCrypto