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Senate Delays Crypto Bill, Market Plunges: Urgent Regulatory Clarity Questioned - What's Next for Bitcoin?

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Observing the sharp market pullback as regulatory certainty wanes. Senate Delays Crypto Bill: Why Washington's Indecision Just Plunged Bitcoin Below $86K and What It Means for Your Portfolio in 2025 💱 The crypto market experienced a sharp pullback this week following the Senate's confirmation that a highly anticipated crypto market structure legislation will not advance before the end of the year. What many investors had hoped would provide a definitive closing act for regulatory clarity in 2025 instead became another extension of uncertainty, triggering broad risk-off behavior across digital assets and related investment products. This delay arrived at a particularly fragile moment for markets already grappling with growing sensitivity to policy signals emanating from Washington. Bitcoin, the bellwether of the crypto ecosystem, notably slid belo...

SWIFT Embraces Ripple's XRPL Tech: Pundit's Insight on Blockchain's Next Move

Connecting global financial networks with innovative blockchain solutions.
Connecting global financial networks with innovative blockchain solutions.

Crypto pundit Chain Cartel has raised several key points following SWIFT’s latest comment on its move to adopt blockchain technology. The pundit claimed that Ripple’s XRPL network best suits what SWIFT is trying to achieve and suggested that the two firms collaborate. 

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Building next-generation decentralized ledgers for financial transactions.
Building next-generation decentralized ledgers for financial transactions.

Pundit Points To Ripple’s XRPL After SWIFT’s Announcement

In an X post, Chain Cartel stated that SWIFT admitted they are building Ripple’s XRPL network, but did not explicitly say so in their announcement. The pundit was referring to an X post from SWIFT highlighting their earlier announcement to add a blockchain-based ledger to their infrastructure.

The pundit explained that SWIFT’s language in the X post suggests that they want to build something like Ripple’s XRPL. He declared that it is not Bitcoin, Ethereum, or any generic blockchain experiment but precisely what Ripple has been building for a decade. Chain Cartel noted that Ripple’s model has always been a neutral settlement layer, real-time atomic finality, shared ledger visibility for institutions, interoperability with legacy rails, and liquidity-first design. 

Chain Cartel then alluded to SWIFT’s statement about its plans to build a blockchain-based ledger to be included in its payment infrastructure and provide a single source of truth, enabling instant, 24/7 cross-border payments. He declared that this is Ripple’s blueprints with the XRPL, as the crypto firm uses the network for its payment services. 

In line with this, the pundit remarked that SWIFT doesn’t replace rails, but instead coordinates them, and that Ripple doesn’t replace banks, but instead connects them. He added that SWIFT is acknowledging that the future payment stack requires a ledger layer, not just messaging, and that the only model already battle-tested at scale is Ripple’s XRPL.

However, it is worth mentioning that SWIFT doesn’t plan to integrate Ripple’s Ledger. Instead, it is building this blockchain-based ledger in partnership with Consensys and Chainlink. As such, although SWIFT may plan to build a network similar to Ripple’s XRPL, it intends to do so without assistance from the crypto firm. 

Exploring synergistic collaborations in the evolving blockchain landscape.
Exploring synergistic collaborations in the evolving blockchain landscape.

Ripple Looking To Expand Its Payment Service

Ripple is looking to expand its payment service, as it recently announced plans to begin testing its RLUSD stablecoin on Ethereum layer-2 networks Base, Ink, Optimism, and Unichain. The move comes just days after the OCC granted Ripple a conditional approval to become a bank, which is also a major boost for the firm’s payment service. 

Ripple plans to expand its RLUSD stablecoin beyond the Ethereum and XRPL networks to these layer-2 networks through its partnership with Wormhole. The firm noted that the future of crypto is multichain, which is why it is adopting this strategy. This move gives Ripple’s clients greater options when using the RLUSD stablecoin, and it could also attract new users to the stablecoin, which is currently one of the fastest-growing stablecoins. 

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Crypto Market Pulse

December 16, 2025, 17:11 UTC

Total Market Cap
$3.06 T ▲ 1.54% (24h)
Bitcoin Dominance (BTC)
57.08%
Ethereum Dominance (ETH)
11.58%
Total 24h Volume
$132.88 B

Data from CoinGecko

This post builds upon insights from the original news article. Original article.

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