XRP DeFi Is Coming with a Swipe of Midnight-Is Cardano Becoming the Ultimate Secret Keeper? 🤫💸

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Oh, happy day! 🎉 In what can only be described as a plot twist better than a rom-com directed by none other than the woman herself, Helen Fielding, Charles Hoskinson, the CEO of Input Output Global, has let slip during his chatfest with Scott Melker that the DeFi revolution we didn’t know we needed is on its way. Yes, my fellow emoji-loving enthusiasts, XRP DeFi is “coming.” 🌟

“Midnight connects us to all the other blockchains, and we add privacy to all those connection points,” Hoskinson chirped, sounding suspiciously like someone trying to describe how a cocktail makes your bad days disappear. “So we have a lot to add and offer!” he added, in a way that made you hope Midnight included a free brunch.

The Privacy Layer: Because Who Wears DeFi Best?

Cardano, showing off its latest chilly dance move, launched its partner chain, Midnight, back in late 2025. It’s decked out with those oh-so-trendy Zero-Knowledge (ZK) cryptography protocols, making it the Paris Hilton of blockchain, thanks to its ability to host the most exclusive smart contracts in town.

“Why not just sneak XRP onto Midnight?” Hoskinson proposed, with all the devilish charm of a British comedy hero. Suddenly your XRP coins aren’t just coins; they’re the secret agents behind the veil of DeFi-a world of suspense complete with borrowing, lending, and yield farming without the IRS prying eyes. It’s like having your cake and eating it, but the cake is replaced with a vastly confusing financial jargon salad.

The master plan? Unleash the estimated $100 billion+ of idly sitting XRP liquidity and turn Midnight into the “privacy layer” the XRP ecosystem has secretly dreamt about. Well, wouldn’t we all?

In true plot-twisty fashion, in December, Hoskinson threw a curveball by reaching out to the XRP community for a list of the “top 15 projects” he wished to guest next at a DeFi Summit at the University of Edinburgh. Because who doesn’t want their top five to be in an exalted list of the “top 15,” amirite? 🤔

And if you thought IOG was just dipping its toes, they are fully committed to integrating native XRP support into Lace (Cardano’s official wallet), sprucing it up with more functionality than a Colleen Mackroth makes her baguette crumpets. Because in the world of DeFi, more features are always better (or at the very least, more amusingly complicated). 🙃

XRP DeFi Is Coming with a Swipe of Midnight-Is Cardano Becoming the Ultimate Secret Keeper? 🤫💸

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2026-01-12 08:58