XRPL developers are testing a change that would let a third party cover the XRP reserve for new accounts, so users could transact in stablecoins without first buying XRP. Experimental proposal, not a mainnet upgrade.

Stripe-owned Privy's XRPL wallet support is live, per the XRP Ledger Foundation. Developers can create and sign wallets in-app for XRP and RLUSD. Planned features like fee sponsorship are still in development.

XRPL developers proposed fixCleanup3_5_0: four fixes closing loopholes that let unapproved accounts hold restricted tokens. Not yet on mainnet; activation would need over 80% validator support for two weeks. A proposal, not an active upgrade.

Circle asked the SEC Oct. 20 to treat GENIUS Act-compliant stablecoins as cash under its proposed Regulation Crypto Assets, and to remove the 2% broker-dealer capital haircut. A comment letter, not a rule change.

Treasury plans to work with the SEC and CFTC on crypto rules after the CLARITY Act failed a Senate procedural vote, per Bessent's Oct. 28 remarks. Agency coordination under existing authority, not new legislation. A plan, not enacted rules.

Janus Henderson and Centrifuge launched JQQQ, a tokenized Nasdaq-100 fund on Stellar, for eligible non-US investors. Indirect index exposure via a BVI-domiciled portfolio; WSJ reports a $100,000 minimum. Fund launch, not retail access.

OCC granted final approval for Ripple National Trust Bank, Garlinghouse announced Oct. 26. The bank will manage RLUSD reserves and provide regulated custody; RLUSD stays issued by Ripple's NY-regulated unit. Approval, not yet an operating bank.

Aviva Investors launched a tokenized share class of its £22B Sterling Liquidity Fund on the XRP Ledger, investing £50M. Two tokenized funds now total £86M+. Digital-twin setup; the fund stays off-chain. Share-class launch, not full migration.

Chinese prosecutors moved Oct. 13 to confiscate 61,800+ BTC seized in the UK, tied to an alleged $5.7B Ponzi scheme defrauding 102,000+ investors. A UK court ruled Chinese law governs victim claims. Allegations by prosecutors, not final findings; victims' appeal pending.

Bitcoin Core merged a security-policy change Oct. 22: bugs "easy for an LLM to rediscover" now ship in point releases ASAP instead of long embargoes. It follows a summer where AI reviews of 390 projects logged 4,962 findings, 85 critical. Fixes get less testing time.