# Ledger Related Articles

HTX News Center provides the latest articles and in-depth analysis on "Ledger", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

Major Banks Implement Tokenization in Cross-Border Transfers

Major global banks, including JPMorgan, Citi, and UBS, participated in a pilot project called Agorá, led by the Bank for International Settlements, to test tokenized cross-border payments. The initiative involved five central banks and 28 commercial institutions. The pilot processed approximately $1 million across six currencies (USD, EUR, GBP, JPY, CHF, KRW) using tokenized central bank reserves and commercial bank deposits. A key advantage was processing speed, with payments settling in around 80 seconds on average. The use of a shared ledger provided a single record of ownership and payment status. Another benefit was the ability to perform simultaneous currency clearing, allowing banks to exchange currencies instantly without waiting for separate settlement on each side of the transaction. This reduces risks, lowers costs, and increases transparency. The project operates alongside existing payment systems and does not replace them.

cryptonews.ru9h ago

Major Banks Implement Tokenization in Cross-Border Transfers

cryptonews.ru9h ago

ZachXBT Calls Hardware Wallets “Complete Garbage,” Labels Ledger the ‘Worst’ Crypto Wallet

Blockchain researcher ZachXBT criticizes hardware wallets, labeling them "complete garbage" and specifically targeting Ledger as the worst, arguing their frequent software updates increase security risks rather than enhancing safety. He points to major hacks, like a fake Ledger app stealing $9.5 million and a social engineering attack costing over $282 million, as evidence that threats often target user behavior, not the hardware itself. As an alternative for experienced users, ZachXBT suggests using a dedicated, factory-reset iPhone for crypto storage, citing Apple's Secure Enclave and app sandboxing. However, he acknowledges that smartphones, as online devices, cannot match the isolation of traditional cold wallets.

TheNewsCrypto07/16 09:03

ZachXBT Calls Hardware Wallets “Complete Garbage,” Labels Ledger the ‘Worst’ Crypto Wallet

TheNewsCrypto07/16 09:03

Swift readies blockchain ledger for live tokenized payment pilots with 17 global banks

Swift has transitioned its blockchain-based ledger from development to live implementation, announcing pilots with 17 global banks across six continents for cross-border payments using tokenized deposits. This marks Swift's first live use case for the ledger, enabling 24/7 payments while settling through existing financial infrastructure. The initiative signals institutional adoption of regulated digital asset technology over public blockchains. The shared ledger acts as an orchestration layer, allowing banks to move tokenized deposits from their own ledgers, improving liquidity and flexibility without altering compliance frameworks. Initial pilot banks include major institutions like Citi, HSBC, and UBS. Unlike stablecoin-based systems, Swift's platform uses bank-issued tokenized deposits, keeping transactions within the regulated banking system to enhance efficiency and transparency while maintaining existing settlement rails.

ambcrypto07/09 15:33

Swift readies blockchain ledger for live tokenized payment pilots with 17 global banks

ambcrypto07/09 15:33

In the AI Era, What's Left for Bitcoin?

As Bitcoin falls below $60,000, the author reflects on the relationship between AI and Bitcoin, seeing them as two sides of the same coin. In the AI era, the cost of generating content has plummeted, making fake text, images, and videos increasingly easy and cheap to produce. This has led to a fundamental shift: while AI dramatically lowers the cost of information production, it also undermines trust and authenticity online. What becomes truly valuable is not more content, but the ability to verify what is real—"verifiability." This perspective offers a new lens for Bitcoin. Its massive energy consumption, often criticized as wasteful, is reinterpreted. While AI burns energy to enhance "capability" and efficiency, Bitcoin burns energy to produce "verifiability." Its purpose is not to be trusted but to enable a system where no trust in intermediaries—banks, platforms, or developers—is needed. Every transaction and the entire ledger's history is secured by cryptography and a decentralized network of nodes, making it independently verifiable. AI cannot forge a transaction on the Bitcoin network because the system is designed for proof, not generation. The author draws a historical parallel to the Renaissance: the printing press drastically reduced the cost of copying knowledge, while double-entry bookkeeping reduced the cost of trust in commerce. Today, AI is the new printing press, reducing content creation costs to near zero. Blockchain, and Bitcoin as its pioneer, may be the modern equivalent of double-entry bookkeeping—a foundational technology for verifying digital asset ownership and historical records without centralized authorities. Thus, AI and blockchain are not competitors. AI lowers the cost of creation; blockchain lowers the cost of verification. In an age where AI can generate anything, true scarcity may lie not in more content, but in independently verifiable facts. Whether the market will reprice Bitcoin accordingly remains uncertain, but its core value proposition as a "machine for producing verifiability" becomes strikingly relevant.

marsbit06/30 15:57

In the AI Era, What's Left for Bitcoin?

marsbit06/30 15:57

XRP Ledger Launches XRPLd Rebrand With Version 3.2.0 Upgrade

XRP Ledger has launched version 3.2.0, rebranding its core server software from "rippled" to "xrpld." This release focuses on back-end upgrades, including major memory optimizations that can reduce server memory usage by up to 40% and architectural improvements for future scaling. Key updates enhance security for features like vaults, lending, and decentralized exchanges, and introduce new invariant checks for ledger consistency. The upgrade also adds the capability for applications to retrieve protocol information without connecting to a server, aiding wallet and API development. Additional changes aim to improve enterprise connectivity and performance, featuring configurable block sizes and an updated default peering port, along with various fixes for core network functions.

TheNewsCrypto06/16 13:10

XRP Ledger Launches XRPLd Rebrand With Version 3.2.0 Upgrade

TheNewsCrypto06/16 13:10

Ripple’s Move To Privacy: How A Re-organization Of The XRP Ledger Will Affect The Network

Ripple's former CTO David Schwartz discussed how the XRP Ledger (XRPL) could respond to potential state-level attacks. While acknowledging that authoritarian regimes could cause temporary disruptions by targeting the validator network, Schwartz argued that long-term control is unlikely due to the network's decentralized structure, where Ripple-run validators comprise less than 20%. The network's resilience hinges on its ability to replace compromised validators. For sustained threats, Schwartz proposed a theoretical two-layer consensus reorganization. An inner layer of validators would handle daily operations, while an outer layer would manage changes to the validator set. This outer layer could operate more discreetly and infrequently, potentially using anonymizing services like Tor, making it harder to target. The core point is that the XRPL community could adapt its structure to maintain operations even under significant external pressure.

bitcoinist06/01 18:01

Ripple’s Move To Privacy: How A Re-organization Of The XRP Ledger Will Affect The Network

bitcoinist06/01 18:01

Winter for Crypto IPOs: Consensys and Ledger Withdraw Applications

The crypto IPO window is tightening significantly in 2026, marked by prominent companies delaying or pausing their public listing plans. Following a successful 2025 "harvest year" that saw Circle, Bullish, and Gemini go public amidst a bull market, the tide has turned. Consensys, developer of MetaMask, recently postponed its IPO until at least fall 2026. Hardware wallet leader Ledger also suspended its planned US listing due to unfavorable market conditions, with Kraken having previously delayed its own plans. This shift is driven by a cooling market in 2026, characterized by a significant Bitcoin price correction, declining trading volumes, and reduced investor risk appetite for crypto stocks. The poor post-IPO performance of 2025 listings like Circle and Bullish, which saw major share price declines, has heightened investor caution. This contrasts sharply with the current AI sector, where companies like SpaceX, OpenAI, and Anthropic are commanding massive valuations and investor enthusiasm based on narratives of stable, exponential growth. Crypto companies now face pressure to transition from hype-driven models to demonstrating reliable cash flows and robust compliance. While the paused IPO plans may lead to valuation resets and affect ecosystem liquidity, they also accelerate industry consolidation toward stronger, more compliant infrastructure players. A potential recovery in Bitcoin's price and clearer regulations could reopen the IPO window in the latter half of 2026.

marsbit05/16 10:59

Winter for Crypto IPOs: Consensys and Ledger Withdraw Applications

marsbit05/16 10:59

What Makes XRP Unique? Ripple CEO Explains

Ripple CEO Brad Garlinghouse explains the unique properties of XRP, focusing on its origin and design for efficient payments rather than as a general-purpose blockchain. He highlights the XRP Ledger's key features: over 4 billion transactions processed, settlement times of 3-5 seconds, and transaction costs of less than a penny, emphasizing speed, low cost, and scalability. Garlinghouse also credits the dedicated long-running community, or "XRP family," as a core component of its identity and endurance. He concludes that this combination of technical performance, longevity, and strong community support positions XRP for future success.

bitcoinist05/14 17:01

What Makes XRP Unique? Ripple CEO Explains

bitcoinist05/14 17:01

Has the Winter of Crypto IPOs Arrived? Consensys and Ledger Hit Pause

Crypto IPO Winter Arrives? Consensys and Ledger Hit Pause. Following a boom in 2025, the window for crypto company initial public offerings has narrowed sharply in 2026. Major players like MetaMask developer Consensys and hardware wallet firm Ledger have recently postponed their US listing plans, joining exchange Kraken which paused its process earlier this year. This slowdown follows a strong 2025 where companies like Circle and Bullish went public, raising billions as Bitcoin hit all-time highs. However, in 2026, declining Bitcoin prices and trading volumes have cooled investor risk appetite. Newly listed crypto stocks, including BitGo, have seen significant price drops post-IPO, reinforcing investor caution. The cooling crypto IPO market contrasts sharply with the red-hot AI sector, where companies like SpaceX and OpenAI command massive valuations and investor interest based on "productivity revolution" narratives. Crypto firms, seen as more cyclical and volatile, struggle to compete for capital. The IPO delays are prompting a strategic shift. Companies are focusing on strengthening fundamentals, pursuing private funding, and expanding into more stable revenue streams like institutional services. This phase may accelerate industry consolidation, favoring firms with robust compliance and infrastructure. Analysts suggest a potential second wave of crypto IPOs in late 2026 could depend on a Bitcoin price recovery and clearer regulatory developments.

marsbit05/14 06:31

Has the Winter of Crypto IPOs Arrived? Consensys and Ledger Hit Pause

marsbit05/14 06:31

Can XRP Catch Up To SWIFT? This Latest ISO Is Changing The Game

A crypto analyst argues that SWIFT's upcoming global shift to the ISO 20022 messaging standard by November 2026 will force a major overhaul of the legacy banking system, potentially benefiting XRP. The analyst, Cheeky Crypto, explains that SWIFT will phase out unstructured messaging, compelling banks to adopt structured, blockchain-backed solutions. He suggests institutions, lacking time and resources to build their own compliant systems, are increasingly turning to existing, regulator-approved bridges like XRP to ensure liquidity. He notes rising institutional interest in XRP-based products and highlights the XRP Ledger's advantages—settling transactions in seconds for minimal cost compared to the days and high fees of traditional cross-border transfers. Ripple's Executive Chairman is cited, stating the 2026 mandate will "wash away" non-compliant, legacy foundations.

bitcoinist05/12 23:32

Can XRP Catch Up To SWIFT? This Latest ISO Is Changing The Game

bitcoinist05/12 23:32

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