This episode kicks off 2026 with a deep dive into one of the biggest questions in global finance: are central banks quietly describing XRP without ever naming it?

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Cashunate is joined by Jesse from Apex Crypto Insights — a researcher who has spent nearly a decade tracking the overlap between central banking language, BIS projects, and Ripple’s infrastructure. Together they unpack how terms like Unified Ledger, Regulated Liability Network, Shared Ledger, Regulated Settlement Network, and the BIS “Finternet” all appear to describe the same underlying architecture XRP was built for.

In this conversation we cover:

• How central banks use layered terminology to disguise a single settlement model

• The connection between BIS projects, Quant, R3 and Ripple’s private/public ledger strategy

• Why XRP fits the role of a neutral global bridge asset

• The long-term macro backdrop from Bretton Woods to today’s liquidity crisis

• Whether institutions are deliberately suppressing visibility and adoption timelines

• How upcoming regulation like the Clarity Act could accelerate the shift

This is not price hype, it’s a structured exploration of the financial plumbing being built behind the scenes and why XRP keeps appearing at the center of it all under different names.

If you’ve ever felt like every major banking “innovation” sounds familiar… this episode shows you why.

Welcome to the rabbit hole 🐇

None of this is financial advice please do your own research and consult a financial advisor before making any investment decisions. This video is for entertainment purposes only.

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