Pundit: XRP and Crypto Holders, Listen Closely

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A recent post from crypto commentator X Finance Bull (@Xfinancebull) landed at a sensitive moment for digital asset markets. His message, directed at XRP and crypto holders, warned that events unfolding in Switzerland could shape the future of global liquidity.

He said next week’s World Economic Forum (WEF) in Davos would pit two competing visions of money against each other. The video focused on central banks, U.S. policy shifts, and a growing divide between public and private financial rails. These themes connect directly to XRP’s role in cross-border settlement and interoperability.

Project Agora and the BIS Agenda

In the video, X Finance Bull described Project Agora as a key initiative launched by the Bank for International Settlements in April 2024. He said it brought together seven major central banks, including the Federal Reserve New York branch, the ECB, and the Bank of England, alongside more than 40 global commercial banks.

According to the video, Project Agora aims to create a unified programmable ledger for tokenized wholesale money with fast cross-border settlement. He said smart contracts would be embedded directly into money, adding, “They call it efficiency. Everyone else calls it the cage.” He described Agora as a base layer that could later extend into retail CBDCs, raising the stakes for assets like XRP.

U.S. Policy Shift Under Trump

He also focused on the sharp policy turn following Donald Trump’s return to office in January 2025. The speaker said Trump signed an executive order banning any U.S. federal agency from creating or promoting a CBDC. He described CBDCs as “a direct threat to freedom and dollar sovereignty.”

This move halted a clear U.S. path within Project Agora. X Finance Bull noted that the New York Fed remained involved at a research level, but without authority to issue a digital dollar. He contrasted this with support for private crypto, stablecoins, and a Bitcoin strategic reserve.

For XRP, this policy environment aligns with Ripple’s emphasis on private sector infrastructure that integrates with existing banks rather than replacing them with state-issued digital cash.

Davos and Competing Monetary Rails

X Finance Bull described Davos, running January 19 through 23, as a decisive moment. He said Trump would attend in person with senior cabinet officials. He claimed Europe and the U.K. continue to advance programmable systems to set global standards.

He said, “Either Agora stays a limited wholesale experiment, or the split becomes permanent.” That split places U.S.-led private crypto rails against European-controlled programmable systems.

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