Crypto enthusiast Satoshi Scope has drawn attention to the divergent approaches taken by the United States and the United Kingdom toward Ripple and the digital asset XRP. In a recent thread titled “The XRP Bank of England Conspiracy: Was Ripple Always Crown-Approved?”, Satoshi Scope contrasts Ripple’s legal challenges in the U.S. with what he describes as strategic integration into the UK’s central banking initiatives. The thread opens with a direct juxtaposition: while the United States pursued a lawsuit against Ripple, the United Kingdom gave it what he described as “a seat at the table.” Scope revisits a lesser-known event from 2017, when the Bank of England conducted a technical trial of Ripple’s payment solution, RippleNet, as part of its research into modernizing the real-time gross settlement (RTGS). This was a period before central bank digital currencies (CBDCs ) were widely discussed, and according to Scope, the UK’s early interest in Ripple was motivated by its ambition to build a financial system beyond the SWIFT messaging network. THREAD: The $XRP Bank of England Conspiracy: Was Ripple Always Crown-Approved? The U.S. sued Ripple. The UK gave it a seat at the table. What does the Bank of England know about XRP… that they’re not telling you? Open Thread pic.twitter.com/2fELLgDO1I — Satoshi Scope (@scopesatoshi) July 24, 2025 RippleNet and the UK’s RTGS Trials Satoshi Scope argues that the Bank of England’s engagement with Ripple was not a generic pilot but a deliberate evaluation of RippleNet’s ability to facilitate high-speed, transparent, and liquid settlement systems. He points out that while U.S. regulators began treating Ripple with suspicion and launched enforcement actions via the Securities and Exchange Commission (SEC), the Bank of England was moving in the opposite direction, reportedly building its future system on similar principles enabled by Ripple’s technology. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 He continues by referencing Ripple’s entry into the Digital Pound Foundation in 2021. According to Scope, this membership signified an elevated role for Ripple in helping shape the digital version of the British pound. He notes that the Foundation includes influential members such as the CGI Group, Accenture, Quant, and Avalanche—firms with key roles in designing or deploying digital financial infrastructure in the UK. Timeline and Theory Proposed by Satoshi Scope Satoshi Scope lays out a timeline of events he believes support his position. In 2017, the Bank of England conducted RTGS tests with RippleNet. By 2021, Ripple had joined the advisory group working on the digital pound . And by 2023, Ripple was involved in CBDC pilots with several sovereign nations, including Palau, Bhutan, and Montenegro. Despite these developments, XRP remains under regulatory pressure in the United States. According to Scope, this contradiction is not a matter of policy uncertainty, but one of geopolitical strategy. He concludes that what is being presented as regulatory oversight is, in his view, territorial financial control. He claims that while U.S. institutions sidelined XRP, UK institutions began embedding it in their future financial architecture. He adds that Ripple’s work may have played a foundational role in Britain’s post-SWIFT planning and the architecture of a central bank-backed digital currency. 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 The post What Bank of England Knows about Ripple and XRP appeared first on Times Tabloid .
The post Winklevoss Calls Out JPMorgan as Crypto Access and Open Banking Clash Intensifies appeared first on Coinpedia Fintech News Gemini co-founder Tyler Winklevoss has publicly called out JPMorgan , as he accused the bank of trying to shut down access to crypto. He has stepped up his fight with JPMorgan, saying the bank is blocking Gemini from key banking services because he spoke out against them. This comes after a Bloomberg report revealed that JP Morgan plans to charge fintechs for access to customer data. He claims that this move could bankrupt crypto-friendly fintechs that rely on that data to help users buy crypto. Kraken’s co-CEO, Arjun Sethi had also criticized the move, saying JPMorgan is treating user data like a product to sell. “Once data becomes a revenue stream,” he said, “the goal is to lock it in and profit from it.” Right now, apps like Plaid let you connect your bank to crypto platforms like Gemini, Coinbase, and Kraken, for free. But banks want to start charging high fees, which could crush the fintechs that make those connections possible. He explains that a rule called the Open Banking Rule gives people the right to access their bank data through third-party apps. But now, JPMorgan and others are suing to get that rule thrown out, which could shut down easy access to crypto. He calls this a clear case of big banks trying to protect their interests by blocking innovation. He also said that this goes against President Trump’s push to make America a global leader in crypto. My tweet from last week struck a nerve. This week, JPMorgan told us that because of it they were pausing their re-onboarding of @Gemini as a customer after they off-boarded us during Operation ChokePoint 2.0. They want us to stay silent while they quietly try to take away your… https://t.co/c9Ls7QpAmT — Tyler Winklevoss (@tyler) July 25, 2025 Winklevoss says that JPMorgan is retaliaiting Gemini for speaking out. After he criticized the bank last week, JPMorgan told them it’s pausing plans to re-onboard Gemini as a customer. Tyler claims the bank wants them to stay quiet while it works to end free access to banking data through fintechs like Plaid, cutting off an important bridge to crypto. “We will continue to call out this anti-competitive, rent-seeking behavior and immoral attempt to bankrupt fintech and crypto companies. We will never stop fighting for what is right,” he said, in a recent X post. The post triggered a wave of comments among users. “Big banks are scared you might actually control your own money.” Some users are calling out the real issue—banks don’t want to give up control. They’d rather keep people locked into their systems than allow true financial freedom. Another user noted that Open Banking isn’t just a crypto issue, it’s global. Most countries are moving toward it, and the U.S. falling behind would hurt innovation and competition. One of them went even further and said that Ripple needs to secure a banking license fast if this is the kind of roadblock the industry will keep facing. He points out that traditional banks have spent years pushing back against digital assets, and now that crypto is gaining ground, they’re unprepared.
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Bitcoin has jumped more than 170% from its launch‑month price around $45,000 to about $123,000 earlier this month. Related Reading: Crypto’s Golden Rule Just Got Broken, According To Analyst Based on reports from Citi, the bank has laid out three scenarios for where the price might land by year‑end 2025. These range from a low of $64,000 in a weak market to a bull case of $199,000 if everything goes right. ETF Flows Take Center Stage In Bitcoin Uptrend According to Citi analysts, spot Bitcoin ETFs now explain over 40% of the recent price swings. Since their debut, US ETFs have snapped up about $54.66 billion worth of Bitcoin. That buying power helped drive BTC from roughly $45,000 to $123,000 in just a few months. The bank’s base case assumes another $15 billion in ETF inflows this year. At the ratio they’ve modeled—about $4 of price per $1 of flow—that would add around $63,000 to Bitcoin’s value. 🚨 Bitcoin Could Surge to $199K by Year-End, Says Citi Citigroup has released a new forecast projecting Bitcoin to reach $135,000 by the end of 2025 in its base-case scenario. The bullish case estimates a potential rise to $199,000, while the bearish outlook places the… pic.twitter.com/3Kp1o8OGsn — The Tradesman (@The_Tradesman1) July 26, 2025 User Growth Fuels Network Effects Based on figures from trading desks and on‑chain metrics, Citi expects a 20% rise in active Bitcoin users over the next year. That jump in adoption would support roughly $75,000 of price strength on its own. The idea is simple. More users mean more hands holding and trading Bitcoin. That activity tends to make prices less prone to sudden drops. Still, forecasts like this rest on the assumption that new users stick around rather than flipping coins for quick gains. Macroeconomic Factors Cut Forecast Slightly Citi’s model also factors in weaker performance in equities and gold, trimming the price by about $3,200. That adjustment reflects a view that if stock and metal markets struggle, Bitcoin won’t fully decouple from broader risk assets. At the same time, growing regulatory approval and deeper links between crypto and traditional finance should offer some support. ETF Demand Could Lift Bitcoin By $63,000 In the base‑case scenario, Citi adds the $63,000 from ETF flows to the $75,000 from user growth, then subtracts $3,200 for macro headwinds. That math lands the price at about $135,000 in 2025. That figure is only $12,000 above the recent peak of $123,000. It suggests Citi sees more upside but not a runaway rally—at least not in the base case. Related Reading: The US Is A Bitcoin Whale—Arkham Clarifies BTC Holdings After Brief Panic A Bull Case Of $199,000 Remains On The Table If ETFs keep pouring in far more than $15 billion and user growth exceeds 20%, Bitcoin could climb to $199,000 under Citi’s bull case. Conversely, a drop to $64,000 is possible if macro conditions sour sharply. Globally, ETFs now hold around 1.48 million BTC, worth over $170 billion—about 7% of the total supply. That level of institutional backing is unprecedented. It shifts Bitcoin’s fate more toward big‑money flows than pure retail hype. Featured image from Pexels, chart from TradingView
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The post Polkadot Mirroring Ethereum’s 2017 Rally – Why Buying DOT Now is like Buying ETH at $100 appeared first on Coinpedia Fintech News Polkadot is showing renewed strength. Over the last 30 days, the DOT price has surged by 21.8%, and in the past 24 hours alone, it climbed 3.3% to hit $4.09. According to popular crypto trader Friedrich , Polkadot is on track for a major transformation in 2025, one that could potentially mirror Ethereum’s early growth. Let’s break down the latest trends and what’s driving this momentum. Why DOT Could Be Major Growth in 2025? 1. Polkadot 2.0 and the JAM Upgrade One of the most anticipated updates, Polkadot 2.0 introduces the JAM (Join-Accumulate Machine) protocol. Friedrich highlights this upgrade as a game-changer, offering: Up to 1 million transactions per second 857 MB/s data throughput These improvements make Polkadot more scalable and capable of handling advanced dApps. The JAM Tour also includes a massive 10M DOT / 100K KSM prize pool to attract developers. 2. Native Smart Contracts Support Polkadot is integrating smart contracts natively, simplifying dApp creation. This development makes the network more accessible to developers, much like Fantom’s recent upgrades. 3. Agile Coretime and vDOT Incentives Polkadot’s Agile Coretime enhances data availability with 233 MB/s speed, boosting the efficiency of Layer 2 solutions like vDOT. Friedrich notes the 795K DOT reward pool for vDOT as a major incentive, suggesting strong utility and user engagement ahead. 4. Community-Driven Governance Programs like Decentralised Voices Cohort 5 are giving more power to the community. Around 3,438 DOT have already been burned from Coretime sales — reducing circulating supply, which could positively impact the DOT price over time. .article-inside-link { margin-left: 0 !important; border: 1px solid #0052CC4D; border-left: 0; border-right: 0; padding: 10px 0; text-align: left; } .entry ul.article-inside-link li { font-size: 14px; line-height: 21px; font-weight: 600; list-style-type: none; margin-bottom: 0; display: inline-block; } .entry ul.article-inside-link li:last-child { display: none; } Also Read : Altcoins Set for Double-Digit Returns with Ethereum Price Heading to $4K , 5. Real-World Use Cases Gaining Traction Polkadot is expanding into real-world sectors. Key partnerships include: Beatport for music MLS-Messi deal in sports Mythical Games for Web3 gaming Mubert for AI music Energy Web and AgroToken for tokenising real-world assets in energy and agriculture. These integrations show Polkadot’s increasing relevance beyond just the crypto world. What’s Ahead for Polkadot? Friedrich believes Polkadot is aligned with high-growth themes: AI integration for smarter decentralized apps Privacy with zero-knowledge proofs, backed by a 10M DOT commitment Machine economy support via the peaq network These focus areas position Polkadot as a strong contender for leading the next phase of Web3 innovation. Final Thoughts The DOT price may still be far from its all-time high, but with ongoing development, real-world adoption, and strong community governance, Polkadot is building a solid foundation for long-term growth. 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Polkadot 2.0’s JAM upgrade boosts scalability with 1M TPS and 857 MB/s throughput, enabling high-performance dApps. Will Polkadot support native smart contracts? Yes, Polkadot is adding native smart contract support to simplify and expand dApp development on its network. What is Agile Coretime in Polkadot? Agile Coretime improves data speed to 233 MB/s and supports Layer 2 tools like vDOT with strong incentive pools. Is Polkadot a good investment for 2025? With tech upgrades, growing utility, and Web3 focus, Polkadot is positioned for strong growth potential by 2025.
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Google has shut down phone spyware operator Catwatchful, which was hosted on its servers. According to reports, the surveillance operator’s account was using the tech company’s servers to host and operate the monitoring software. The move to shut down the operation comes after several alerts to the firm. A report by TechCrunch mentioned that the platform alerted the technology firm about the spyware operation. It was being hosted on Firebase, one of Google’s developer platforms. Catwatchful was using Firebase to host and store huge amounts of data stolen from thousands of phones compromised by the spyware. “We’ve investigated these reported Firebase operations and suspended them for violating our terms of service,” Google spokesperson Ed Fernandez said. Google says it has shut down Catwatchful According to reports, Google did not explicitly state why it took about a month to investigate and suspend the Firebase account of the operation. In the company’s terms of use , Google prohibits its customers from hosting malicious software or spyware on its platforms. Since the company is for-profit, it has a commercial interest, retaining users who are interested in paying for its services. Catwatchful was an Android-specific child monitoring application, but was built to also act as spyware to the user. Like other spyware applications, users need to physically install it on their phones by entering their passcode. These devices are also called stalkerware, as they can be used for non-consensual surveillance on romantic partners and spouses, which is illegal. After the application is installed, it is designed to stay hidden from the home screen of the victim. In the background, it uploads several private files of the victims, including private messages, photos, location data, and other details to a web dashboard that can be viewed by the person who planted the application. As of yesterday, Catwatchful is no longer functioning, and it does not appear to transmit or receive data, according to the spyware analysis carried out by TechCrunch. Spyware operations involved in leaked data on the rise Catwatchful first came into the limelight in the middle of June after security researcher Eric Daigle identified a security bug that exposed the spyware operations’ back-end database. The bug allows unauthenticated access to the database, meaning that users who want to access it do not need passwords or credentials. The database also contained more than 62,000 Catwatchful user email addresses, plaintext passwords, and records on about 26,000 victim devices compromised by the spyware. The data also revealed the administrator behind the operation, showing that a Uruguay-based developer called Omar Soca Charcov is running the show. There is no clear indication that Charcov is aware of the security lapse or his plans for notifying affected individuals in the breach. However, a copy of the Catwatchful database has been provided to the data breach notification service Have I Been Pwned. Catwatchful is the latest in a long list of surveillance platforms that have suffered breaches in the last few years. Most of these operations and platforms suffer from these breaches due to coding or poor cybersecurity practices. According to reports, Catwatchful is the fifth spyware operation, since the beginning of the year, to have spilled user data and the most recent in about 24 known spyware operations since 2017. Users who feel they may run the risk of being exposed as a result of using the Catwatchful spyware app need to do something about it. Android users can also identify if the spyware app is installed on any of their devices, even if the app is hidden, by dialing 543210 into their Android phone and pressing the call button. Users are also advised to have a safety plan in place before removing spyware from their phones. KEY Difference Wire : the secret tool crypto projects use to get guaranteed media coverage
Ripple CTO David Schwartz reacts to recent XRP Ledger speculation