Ripple (XRP) and Stellar (XLM) Exposed: This Is What They Are Hiding from You

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Crypto investor Stern Drew has released a detailed statement regarding what he describes as a coordinated effort between Ripple and Stellar to establish, in his words, the foundation of a one-world financial system.

According to his remarks, both networks have been developing a structure that could support a trillion-dollar asset class, and the missing element, he claims, has been the implementation of Zero-Knowledge (ZK) proof technology. Drew asserts that large institutions, including BlackRock and JP Morgan, are already aligning themselves with this direction.

Zero-Knowledge Proofs and Sovereign Digital Identity

Zero-knowledge proofs are cryptographic tools that allow the validation of information without revealing the underlying data.

Stern Drew highlights that Ripple, Stellar, and their institutional partners are integrating this technology through the framework of sovereign digital identity. He notes that Stellar developers have already confirmed that Stellar’s Protocol 24 will establish the network as a leader in privacy and ZK integration.

Ripple’s chief executive, Brad Garlinghouse, has previously stated in an interview that governments ultimately own personal identities, and he acknowledged the potential role of blockchain in managing digital identity systems.

Drew points to these remarks, along with consistent references to privacy, credentials, and sovereign identity, as evidence that a broader project is underway, with implementation already in progress through the XRP Ledger. He identifies the initiative known as DNA Protocol, operating under the handle @DNAOnChain, as a central piece of this infrastructure.

Technical Developments on Stellar and the XRP Ledger

Drew provides further detail on how both Stellar and the XRP Ledger are technologically prepared for this shift. Stellar, through Protocol 24, is integrating ZK primitives, smart contracts, and state proofs. On the XRP Ledger, decentralized identifiers (DIDs) are supported alongside sovereign data layers.

These are tied to proposed standards such as XLS-70, which enables credential wallets, and XLS-80, which provides for permissioned domains. Drew argues that such features are exactly what large institutions, including BlackRock and JP Morgan, would require to safely deploy trillions of dollars in liquidity across blockchain rails.

Institutional and Global Support

Drew cites several examples to support his claims of institutional involvement. He notes that JP Morgan has developed Kinexys, a digital identity platform for Web3, and the World Economic Forum has advanced its Digital Identity Framework for governance and security.

He also links BlackRock’s iShares Genomics, Immunology & Healthcare ETF, listed under the ticker $XDNA, to the broader strategy, suggesting that this coordination is deliberate rather than coincidental.

He refers to panels at blockchain summits where leaders such as Stellar’s Denelle Dixon participated in discussions on digital identity and decentralized internet frameworks. Drew even raises the possibility that the lawsuit filed by the SEC against Ripple may have been intended as a delaying tactic to give institutions time to establish their positions before this infrastructure became fully public.

The Role of $XDNA

Stern Drew concludes by pointing to Ripple, Stellar, and DNA Protocol as forming the rails for sovereign digital identity, with $XDNA acting as the anchoring asset. He highlights that DNA Protocol launched its token on the XRP Ledger on July 4, coinciding with U.S. Independence Day and the signing of legislation by President Donald Trump.

He questions whether this timing is coincidental and emphasizes the significance of an identity system where individuals maintain ownership of their credentials within personal wallets, independent of government databases.

According to Drew, this emerging system would allow individuals to transact, invest, and transfer assets without the need for banks, intermediaries, or paperwork. He claims that this design also removes the potential for surveillance or enforced taxation, instead creating a structure of personal sovereignty.

His perspective is that institutions are already committing substantial capital to sovereign digital identity and ZK technology, with the XRP Ledger at the center of this financial evolution.

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