Crypto Exodus Newsletter: June 2025

Strengthening Conviction in XRP, XLM, and SHIB

Disclaimer : This newsletter is for educational and entertainment purposes only, not financial advice. Always do your own research before investing, as cryptocurrencies carry high risks.

Introduction: Building Conviction Through Understanding

The purpose of this newsletter is to help build your personal conviction in these projects, particularly XRP and XLM. The greater the conviction we have, the easier it is to invest and the more we will be willing to invest. Conviction grows from understanding and testing the truth, just as the Bereans in Acts 17:11 examined Paul and Silas’ teachings, leading many to be sold out for the Lord Jesus Christ. As James 2:17 reminds us, “Faith without works is dead,” so our belief must lead to action grounded in evidence or faith. My hope is that, although I recommend these projects for investment, you will test me by examining the evidence yourselves and praying to the Lord for direction on how to invest.

My personal conviction for SHIB and LUNC is strong but not grounded the same way as XRP and XLM. SHIB and LUNC are primarily “faith-based” trades where I have a strong conviction that these two coins will be worth a lot one day because of what I’ve received in the secret place with God. SHIB has some natural evidence supporting its potential as a cryptocurrency project, but there isn’t anything currently happening in the natural that suggests it could reach $7. LUNC is purely a faith-based trade, as it’s a failed project with an independent community trying to revive it. I won’t be covering LUNC in this newsletter.

If there’s any one coin I would recommend anyone buy, XRP would be it and to buy plenty of it while it’s still cheap!

The Head of Gold – XRP: Revolutionizing Global Finance

Ripple’s payment system uses XRP to send money across countries instantly and cheaply. Unlike traditional systems that take days and charge high fees ($25–$35), Ripple swaps your money (like dollars) into XRP, sends it in seconds, and swaps it back to the local currency. This saves banks money by not needing to store cash abroad and helps people send money to family overseas affordably, making global payments faster and easier.

Traditional systems like SWIFT handle $5 trillion daily (~$1.25 quadrillion yearly) but are slow and expensive due to banks needing cash stored in every country. XRP’s blockchain, the XRP Ledger, processes payments in up to a minute for pennies, freeing up billions for banks and lowering costs for remittances. It supports small businesses, large corporations, and digital investments, making finance more accessible.

High-Impact Developments for XRP’s Institutional Adoption

The following developments highlight XRP’s growing influence in global finance, with significant implications for institutional and governmental adoption:

Ripple’s Acquisition of Hidden Road : Ripple’s acquisition of Hidden Road, a prime brokerage firm, connects XRP to the $11 trillion U.S. Treasury clearing network via DTCC’s Fixed Income Clearing Corporation. This enables five-second settlements, offering unmatched speed and transparency for institutional clients like hedge funds, banks, and asset managers. By integrating XRP into high-value financial markets, this move could attract major financial institutions seeking efficient clearing solutions, positioning XRP as a cornerstone for institutional adoption.
World Economic Forum Recognition : The World Economic Forum’s May 2025 report, “Asset Tokenization in Financial Markets,” praises the XRP Ledger for powering a $1 billion tokenized private equity and debt fund. Tokenization is a transformative trend in finance, converting real-world assets like real estate into blockchain-based tokens. This recognition highlights XRP’s role in innovative financial products, potentially drawing investment firms and asset managers to adopt XRP for tokenized assets, enhancing its credibility in global markets.
U.S. Faster Payments Council Selection : RippleNet (XRP), alongside Stellar (XLM), was chosen by the U.S. Faster Payments Council for cross-border payment solutions. This endorsement underscores XRP’s efficiency in global transactions, making it a compelling choice for U.S. financial institutions. It could lead to partnerships with banks and payment providers, driving XRP’s adoption in regulated markets and reinforcing its role in modern payment systems.
Southeast Asian Market Expansion : In Malaysia, RippleNet facilitates instant payment and remittance services, capitalizing on Southeast Asia’s growing demand for efficient cross-border payments. This strengthens XRP’s presence in a region with expanding financial markets, positioning it for adoption by Asian banks, fintechs, and payment providers, which could significantly boost its global reach.
Japan’s Banking Consortium Adopts XRP for Payments : A consortium of over 60 Japanese banks has formed to implement a payment platform leveraging Ripple’s technology, with plans for all member banks to utilize XRP by the end of 2025. This move positions XRP as a cornerstone for both domestic and cross-border transactions, signaling strong institutional confidence in its efficiency for financial operations. The adoption by such a significant number of banks underscores XRP’s potential to reshape Japan’s financial infrastructure.
EU Financial Institutions Embrace XRP for Cross-Border Efficiency : The Bank of France is actively testing Ripple’s private ledger for a Euro-based Central Bank Digital Currency (CBDC), while Germany’s Bundesbank has highlighted XRP’s utility for cross-border payments, and the Central Bank of Ireland has approved XRP for payment use. In Portugal, Unicâmbio, a leading currency exchange provider, has partnered with Ripple to enable crypto-enabled cross-border payments, offering near-instant settlement and reduced costs for corporate clients. In Switzerland, BBVA Switzerland integrates Ripple’s solutions to combine traditional and digital assets, enhancing cross-border transaction efficiency.
Federal Reserve’s ISO 20022 Adoption : The Federal Reserve’s July 2025 adoption of the ISO 20022 messaging standard enhances payment system interoperability. While direct integration with XRP is unconfirmed, this standard could allow XRP to seamlessly connect with modern financial networks, potentially encouraging banks and governments to adopt it for cross-border transactions. Further verification is needed to confirm compatibility, but the potential for integration could be a game-changer for XRP’s institutional adoption.
Dubai’s Real Estate Tokenization Initiative : Dubai has selected the XRP Ledger to power a new real estate tokenization initiative, enabling fractional ownership of properties through blockchain-based tokens. This government-backed project enhances XRP’s credibility in the Middle East, a hub for financial innovation, and could attract institutional investors and real estate firms globally, further driving XRP’s adoption in asset tokenization.

References :

Ripple’s Other Partnerships Driving XRP Adoption

XRP is trusted by numerous organizations for payments, showcasing its growing adoption across various sectors:

Bitso : Latin America’s largest crypto exchange, accelerates Mexico payments, leveraging XRP for fast cross-border transactions.
Cuallix and Viamericas : Facilitate U.S.-Mexico money transfers, using XRP to reduce costs and speed up remittances.
Mercury FX : Supports rapid payments to Mexico and the Philippines, enhancing XRP’s role in global remittances.
Coins.ph : Enables Philippine remittances, making XRP a key player in Southeast Asian money transfers.
Intermex : Streamlines cross-border payments, utilizing XRP for efficiency in international transfers.
Tranglo : A Southeast Asian payment hub, uses XRP for regional transfers, strengthening XRP’s presence in Asia.
MoneyGram : A global transfer service, uses XRP for quick payouts, enhancing its remittance capabilities.
Euro Exim Bank : Uses XRP for international trades in London, supporting global commerce.
SendFriend : Facilitates money transfers to the Philippines, using XRP for cost-effective remittances.
Finci : Connects Europe to Mexico payments, integrating XRP for cross-continental transactions.
Catalyst Corporate Federal Credit Union : Uses XRP for credit union transfers in Texas, promoting adoption in U.S. financial institutions.
Frankenmuth Credit Union : Allows members to buy and sell XRP, increasing retail access in the U.S.
FlashFX and Azimo : Speed up remittances in Australia and the UK, respectively, using XRP for efficient transfers.
Bitstamp : A crypto exchange, uses XRP for liquidity, supporting trading and payment solutions.
payMe+ : Accepts XRP for digital payments, expanding its use in e-commerce.
Crypto Emporium : Takes XRP for luxury goods, broadening its commercial applications.
Hostinger : Uses XRP for web hosting payments, integrating it into tech services.
AirBaltic : Accepts XRP for flight bookings, pioneering crypto use in aviation.
Travala : Takes XRP for travel reservations, enhancing its role in the travel industry.
BitPay : Processes XRP payments, enabling broader merchant adoption.
goLance : Pays freelancers with XRP, supporting gig economy transactions.
IDT : Uses XRP for its BOSS Revolution transfer service, facilitating global remittances.

References :

Ripple Leadership and Board: Driving XRP Adoption

Ripple’s leadership and board bring unparalleled expertise and connections, positioning XRP for adoption by governments and large companies. Below is a table highlighting how their backgrounds and networks drive XRP’s integration into global financial systems.

Name	Role	Background and Connections Driving XRP Adoption
Brad Garlinghouse	CEO and Board Member	Former CEO of Hightail, President at AOL, Senior VP at Yahoo!. Connections to tech giants (AOL, Yahoo!) and fintech (Hightail) enable strategic partnerships with tech and financial firms, driving XRP’s use in payment solutions. Board roles at Ancestry.com and Tonic Health enhance credibility for corporate adoption.
David Schwartz	Chief Technology Officer	Original XRP Ledger architect, former CTO at WebMaster Incorporated, worked with CNN and NSA. Technical expertise and crypto community influence as “JoelKatz” attract blockchain developers and tech firms, boosting XRP’s technical adoption in payment systems.
Anja Manuel	Board Member	Co-founder of Rice, Hadley, Gates & Manuel LLC with Condoleezza Rice, Stephen Hadley, Robert Gates. U.S. government and international market ties (Aspen Strategy Group, Council on Foreign Relations) drive regulatory acceptance and global adoption of XRP.
Sandie O’Connor	Board Member	Former Chief Regulatory Affairs Officer at JPMorgan Chase, Chair of Federal Reserve’s Alternative Reference Rates Committee. Banking (JPMorgan Chase, Bank of NY Mellon) and regulatory (Federal Reserve, FDIC) connections promote XRP’s integration in financial systems.
Rosie Rios	Board Member	43rd U.S. Treasurer, former CEO of Bureau of Engraving and Printing and U.S. Mint. Treasury and government connections enhance XRP’s credibility for central bank digital currencies (CBDCs) and regulatory adoption by governments.
Michael Warren	Board Member	Managing Director at Albright Stonebridge Group, former Senior Advisor in Obama administration. Government (Obama, Clinton administrations) and global market ties support regulatory frameworks and international adoption of XRP.
Asheesh Birla	Board Member	Joined Ripple in 2013, led enterprise crypto products. Board member at Bitso and MoneyGram, advisor to crypto/fintech startups. Bitso and MoneyGram ties drive XRP’s adoption in cross-border payments, especially in Latin America, while academic lectures (Wharton, UC Berkeley) enhance credibility.
Warren Jenson	Board Member	Former CFO of Amazon, Delta Air Lines, Electronic Arts, NBC, current CFO of Nielsen. Tech (Amazon, DigitalOcean) and finance connections support XRP’s adoption in corporate financial systems and tech-driven payment solutions.
Masashi Okuyama	Board Member	Executive Officer at SBI Holdings, CEO of SBI Ripple Asia. SBI Holdings and Asian market connections, plus compliance expertise, drive XRP’s adoption in Asia’s financial sector through strategic partnerships and regulatory alignment.

XLM: Connecting Businesses and People to Global Finance

Stellar Lumens (XLM), created by Ripple co-founder Jed McCaleb, makes sending money across borders easy and cheap, especially for people without bank accounts. XLM’s blockchain lets you send money in seconds for less than a penny, helping those in poorer countries join the global economy. It works alongside XRP: while XRP helps banks and large financial institutions, XLM focuses on institutions, businesses, and regular people, making them a great team. Big partnerships show XLM’s growing trust.

Companies and projects using XLM include:

MoneyGram : Enables global money transfers using XLM with USDC.
Circle ($6 Billion+ valuation) : Issues USDC on Stellar’s network, supporting digital dollar transactions.
Franklin Templeton ($11B) : Manages digital investments on Stellar, enhancing institutional adoption.
Mastercard ($522B) : Partners for payment solutions, integrating XLM into global networks.
IBM ($241B) : Builds World Wire for global payments, leveraging XLM’s efficiency.
U.S. Faster Payments Council : Selected Stellar for cross-border payment solutions, recognizing its efficiency.
Federal Reserve’s ISO 20022 : The July 2025 adoption of ISO 20022 enhances payment system interoperability, potentially benefiting XLM, though direct integration is unconfirmed.
Visa and Tala : Provide digital wallets for the unbanked, expanding XLM’s reach.
UNHCR : Sends aid in Ukraine, using XLM for humanitarian transfers.
Flutterwave : Facilitates African money transfers, boosting financial inclusion.
Abra : Supports XLM trading, increasing market access.
Airtm : Provides digital dollar accounts, using XLM for transactions.
Allbridge : Connects blockchains, enhancing XLM’s interoperability.
Tala : Serves unbanked populations with digital wallets.
AnchorMXN : Creates a peso-backed digital coin on Stellar.
Anclap : Links Latin American payment systems, using XLM for regional transfers.
Anchorage : Safely stores XLM, supporting institutional adoption.
Aha Labs : Develops Stellar-based apps, expanding its ecosystem.
AirHug.click : Enables XLM donations, supporting charitable use.
Aeon : Partners with Stellar to expand Web3 payments in Southeast Asia, enhancing regional financial inclusion.
African Infrastructure : Stellar builds payment infrastructure in Africa, boosting financial access.
Malaysian Remittances : Facilitates instant payment and remittance services in Malaysia, strengthening XLM’s Southeast Asian presence.

References :

SHIB: Reaching $7 and Beyond

Shiba Inu (SHIB) started as a fun “meme coin” inspired by a dog but is growing into a serious project with Shibarium, a blockchain for various applications like games, decentalized finance and NFT’s. SHIB’s use in UAE governance hints at government potential.

Through prayer, I believe that I’ve been shown SHIB will soar past $7 and will happen quickly when it does. (Refer to previous posts for more information).

I wanted to share some interesting connections I’ve found that could have the power to realize SHIB surging above $7. For the record, the information I am providing is speculation. I think there could be some validity behind it because there are two people that come to mind that could drive so much hype into a crypto that would cause it to surge to astronomical levels: Elon Musk and Donald Trump. Trump has no known connections to SHIB but there are some interesting connections to Musk.

No one knows who created SHIB. They go by the pseudonym “Ryoshi”. There’s speculation that it could have been started by Vitalik Buterin and Elon Musk. Vitalik Buterin is Ethereum’s creator. Ethereum is currently the #2 crypto after bitcoin currently worth $323 billion. Vitalik is likely a billionaire. He at one point was gifted 50% of the supply of the SHIB crypto of which he burned 90% of it and gave the last 10% to a charity.

Old X posts suggest a possible link between Vitalik and Elon Musk as SHIB’s creators, though unconfirmed. Check the following link:
https://watcher.guru/news/elon-musk-vitalik-buterin-are-the-founders-of-shiba-inu

Elon Musk loves Dogecoin. He single-handedly drove up the price of DOGE in the past with Tweets on Twitter (before it became X). After his posts that started in December of 2020, DOGE saw a run of ~17600% increase in 6 months!

Elon Musk also owns a Shiba Inu named Floki. See a picture here:
https://x.com/elonmusk/status/1437179881260032016

Elon Musk is also well known for technological developments. As the leader of the Department of Government Efficiency (DOGE), I think he’s there to solve problems for US citizens, not only to reveal the fraud. Could the fraud and waste discovered be a ploy to bring blockchain to the government? If transactions are posted on the blockchain, everything recorded would be transparent and secured. There would be no more questions as to who is wasting money in the government. Since UAE is already being used for government services, could Elon recommend SHIB for the US government?

Even if I’m wrong and DOGE has nothing to do with SHIB skyrocketing, is even a $1 move possible?

On CoinMarketCap, the total circulating supply of SHIB is listed at 589.5 trillion but what’s actually available for sale at the exchanges? Updated figures at CryptoQuant show supply from exchanges at 96T. If you follow the purple line that shows the supply of SHIB since 2022. In January 2025, roughly 33T SHIB was taken out of circulation at once. The supply of SHIB has been slowly drying up. If this trend persists and if catalysts occur with buyers acquiring SHIB, there could be a supply shock, driving up the price of SHIB!

Is it impossible for it to go from the current price of $0.000014 to $1 for a 71,428% gain or maybe even to $7 for a 500,000% gain? In 2021, SHIB ran for 4 months for a massive 2,500,000% gain from bottom to top! (The price is so small that you can’t even see it on the chart). That happened during the last altcoin season which altcoin season has happened every 4 years with the last one being in 2021. If experts like Raoul Pal are right where they are predicting that altcoin season is about to get started soon, could SHIB finally hit that long awaited $0.01 or $1 mark in this cycle? Only time will tell!