In the early morning of January 21st, deep in the night in Singapore, I saw the news about XRP's cross-border payment trending again, with someone boasting about 'many bank collaborations and fast speeds.' Ripple indeed focuses on cross-border remittances, with XRP Ledger's low fees and second-level settlements, backed strongly by RippleNet enterprises, but it is heavily centralized (Ripple controls many nodes), has weak privacy, and on-chain transactions are transparent, making institutions hesitant to tokenize real assets for fear of data leakage.
DUSK@Dusk Do not roll the bank alliance, just focus on decentralized privacy + protocol compliance: Hedger makes dark pool trading encrypted, selective disclosure regulation leaves a door open, users can safely hide their cards, and compliant parties can verify with one click. NPEX tokenized approaches 230 million euros, Chainlink CCIP cross-chain is seamless, and the secondary market runs smoothly with MiCA. XRP staking is basically non-existent (relying on holding or Ripple's locked income), while DUSK staking has a stable annualized return of 13.8%. The price is $0.18 with slight fluctuations, a market capitalization of over 90 million dollars, and a small locked supply with high circulation, making it comfortable for institutions to position themselves before entering. Ripple involves traditional bank cooperation and remittances, while DUSK involves European regulated RWA: NPEX licensed exchange support, deep integration with Chainlink, and European fund evaluations post rapid growth. Ripple is heavily centralized, while DUSK's PoS + Segregated Byzantine Agreement is more decentralized. After the enforcement of MiCA, European institutions are most afraid of privacy breaches + non-compliance, and $DUSK provides a comprehensive solution. Traditional custody sees Dusk Vault's zero trust + atomic settlement; they should be worried.
I have held my position for three years. In the middle, I almost lost my mind due to the floor period difference, but seeing the new Hedger demo shared frequently and the increase in asset scale steadied me. Ripple is an improved version of traditional payments, and DUSK is the future version of blockchain settlement. I will continue to invest regularly, refreshing for updates and waiting for the wind. If in 2026 we really see significant assets land, DUSK is most likely the most stable one among European RWAs.#dusk $DUSK @Dusk
