Author: 1to90

Evernorth Holdings Inc. announced its public launch and merger agreement with Armada Acquisition Corp II, trading as XRPN on Nasdaq. The deal targets over $1 billion in gross proceeds to support a leading XRP institutional treasury strategy. XRPN aims to offer direct XRP exposure with added benefits through active participation in DeFi and liquidity provisioning.
Evernorth will operate as a publicly listed vehicle under XRPN, offering institutional participants transparent exposure to XRP’s value and utility. Unlike passive digital asset products, XRPN will pursue growth by deploying capital into lending, DeFi protocols, and liquidity solutions. This dynamic model positions XRPN to capitalize on XRP’s regulatory clarity and payment-focused infrastructure.
The combined company plans to grow the XRP per share value, thereby differentiating XRPN from static exchange-traded products. With a strong regulatory foundation and over ten years of network uptime, XRP offers credibility in global finance. XRPN intends to establish itself as the primary entry point for institutions into the XRP ecosystem.
Backing for XRPN includes over $200 million from SBI, Ripple, Rippleworks, Pantera Capital, Kraken, and GSR. Ripple’s co-founder Chris Larsen also contributes. These resources will allow XRPN to secure open-market XRP and expand its treasury position.
Evernorth CEO Asheesh Birla leads the XRPN strategy, bringing experience from his previous role at Ripple’s global payments division. He is supported by CFO Matthew Frymier, COO Meg Nakamura, CLO Jessica Jonas, and CBO Sagar Shah. This leadership team combines capital markets knowledge with digital asset execution to drive XRPN’s goals.
XRPN maintains governance independence while benefiting from Ripple’s strategic investment and advisory support. Ripple executives Brad Garlinghouse, Stuart Alderoty, and David Schwartz will advise the team while preserving operational autonomy. This structure aligns XRPN’s operations with XRP’s broader ecosystem development without direct control.
By integrating seasoned leadership and independent oversight, XRPN positions itself for long-term resilience. The company intends to focus on ecosystem growth, utility expansion, and XRP accumulation. Each move will support XRPN’s dual goals of asset exposure and ecosystem participation.
Evernorth will allocate a portion of XRPN proceeds to enhance validator security and increase decentralization of the XRP Ledger. It also plans to use Ripple’s RLUSD stablecoin to onboard users into XRP-powered DeFi platforms. These actions aim to drive XRPN utility beyond holding and into real financial engagement.
XRPN intends to deploy capital in liquidity markets, tokenized assets, and payment solutions. The aim is to bring new real-world use cases to XRP and expand its footprint in institutional finance. This strategy supports XRPN’s role as a platform that fuels both XRP adoption and shareholder value.
XRPN becomes more than a treasury—it serves as a market participant, infrastructure backer, and growth catalyst. Through targeted capital allocation, XRPN strengthens XRP’s presence and integrates financial innovations. Therefore, it not only tracks market value but also actively boosts XRP’s network utility.
 
Yasmin is a crypto content analyst and writer with over 2 years of experience. She has a strong understanding of the crypto market and blockchain technologies. As an avid trader who stays updated on the latest trends and news, Yasmin delivers insightful and informative content.
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Unlike most pro sports leagues where playoff berths are decided by divisional or conference standings, the W’s top eight teams (out of 12) qualify for the three-round postseason regardless of conference.
Teams are competing for championship glory and cash. Every player in the playoffs receives a bonus postseason paycheck. Teams eliminated in the first round receive $1.6K per player, a second-round exit secures $3.1K per player while championship runners-up bag $7.7K each.
The matchup: The No. 1 seed Liberty have only lost four games since the Olympic break and are firing on all cylinders as they hoop for the franchise’s elusive first title. That’s right, the Liberty are the only original WNBA franchise yet to win a championship. They’ve come this close, finishing as runners-up five times (1997, 1999, 2000, 2002, and 2023).
Players to watch: The Libs have star power up and down their roster, led by two-time WNBA champ Breanna Stewart, three-time All-Star Sabrina Ionescu, and 2021 league MVP Jonquel Jones. But Betnijah Laney-Hamilton anchors the Big Apple’s defense — her tenacity is integral for this seafoam superteam’s success.
Keys to success: Snagging a first-round series win might be as easy as showing up for the Libs — NY has the deeper roster, more playoff experience, and some extra motivation to avenge their 3–1 loss to the Las Vegas Aces in last year’s final.
The matchup: The hottest team in the WNBA? The Minnesota Lynx, who are heading into their first-round series as winners of 14 of their last 16 games. Minnesota’s different from the W’s other top contenders though: They’re not a superteam nor do they have a lot of postseason experience. So what are they? A team that simply finds a way to win.
Players to watch: For the Lynx, it’s the three-prong attack of Napheesa Collier, Bridget Carleton, and Kayla McBride. Both Carleton and McBride can shoot the lights out while Collier’s averaging a team-high 20 points and nearly 10 rebounds per game.
Keys to success: On paper, the Lynx are a better all-around team: They boast one of the league’s most fearsome defenses thanks to Courtney Williams and Alanna Smith, their offense is built around all five players on the floor, and their coach, Cheryl Reeve, has hoisted four WNBA championships and this year’s Commissioner’s Cup.
The matchup: The Sun secured the No. 3 seed with their season-finale blowout win over the Chicago Sky, booking themselves a first-round ticket against Caitlin Clark, Aliyah Boston, and the suddenly surging Indiana Fever. The Sun are 3-1 against Indiana this season with the Fever taking the most recent meeting by a mere four points.
Players to watch: Partners-in-hoops (and in life) DeWanna Bonner and Alyssa Thomas lead a Sun attack that also boasts Brionna Jones and defensive juggernaut DiJonai Carrington (who’ll be competing against her possible fiancée NaLyssa Smith). Bonner leads all Sun scorers with 15.1 points per game, but the Sun are all about that total team approach.
Keys to success: Connecticut’s biggest advantage is their postseason experience. Their core group has gone deep into the playoffs, making at least the semifinals for the last five years — but now it’s time to shake off that bridesmaid reputation for good.
The matchup: The Aces were bogged down by injuries in the early part of the season, a big reason why the two-time defending champs only managed a No. 4 seed. But Vegas has been on an absolute heater to end the year, winning nine of their last 10 games to start their three-peat quest on a high note.
Players to watch: To say A’ja Wilson has been remarkable this season would be an understatement: She’s the first WNBA player to reach 1K points in a season, set the WNBA single-season rebounding record, and has the second-best efficiency rating of any basketball player ever. All hail.
Keys to success: Wilson has undoubtedly been that girl for the Aces all season. Vegas has both firepower and experience with the likes of Kelsey Plum and Chelsea Gray, but they’ll go as far as the league’s likely MVP can carry them.
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Digital identity systems are becoming a thing around the world. While some folks think it makes things easier and more accessible, others are worried about privacy and surveillance. This article dives into how digital IDs could make it easier for people to access financial services, especially for those who are unbanked. Plus, we’ll look at how decentralized solutions can protect our individual rights.
Digital identity systems aim to help verify who people are, and they usually do this through centralized databases. Governments and organizations are jumping on this bandwagon to make services more efficient and secure. But the speed at which this is happening raises some serious eyebrows about privacy and surveillance. Critics are saying these IDs could take away personal freedoms because they give governments an eye into our lives like never before.
When Western democracies started rolling out digital ID policies, people freaked out about mass surveillance. Centralized databases could track us across healthcare, jobs, and travel. Who wouldn’t end up self-censoring? The idea of “function creep” is real, and it’s not pretty, as digital IDs could start to control everything we do.
Privacy groups are sounding the alarm about how to balance making services easier with the risks that come with state surveillance. There’s also the fear that people might be less likely to speak up or engage in politics if they think the government is watching them.
Digital IDs could help unbanked people access financial services, especially in places like Asia. They’d have a secure way to verify who they are, which could lower the barriers to getting financial services. But there are still problems. Marginalized groups without the right documentation could get left behind, as could people who get discriminated against.
This is where decentralized solutions like crypto payroll come into play. Getting paid in cryptocurrency could help people bypass the traditional banking system. Crypto payroll can empower people who’ve been shut out of the financial system and help promote financial access.
Decentralized identity technologies might offer a way to address the privacy issues tied to government digital ID initiatives. Using blockchain, decentralized identities let us control our data and share it when we want. This could cut down on the risk of a data breach or unauthorized access, since sensitive info isn’t sitting in a centralized database.
There are examples of decentralized solutions that show how user-controlled data can lead to better security. These systems can make onboarding cheaper and give us more control over our digital identities. As privacy-focused projects grow in demand, the crypto community is pushing for decentralized solutions to counteract government control.
Digital identity and financial freedom are a mixed bag. On one hand, digital IDs can make things more efficient and accessible. On the other hand, they raise big questions about surveillance and personal freedoms. With governments pushing these systems, we need to focus on privacy and make sure marginalized communities aren’t left out in the cold.
Decentralized financial solutions like crypto payroll show promise in easing privacy concerns and making financial services more accessible. They can give us control over our data while allowing us to access services without the usual banking roadblocks. The crypto community has a key role to play in making sure our freedoms are honored.

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The Financial Services Agency is considering allowing commercial banks to invest in cryptocurrencies, an official has said, in a fresh sign of the country’s growing openness to digital assets.
The financial regulator is weighing letting banks buy and hold virtual currencies as their own investments as long as they have a structure to properly manage risks linked to the assets, the official said, asking not to be identified because of the agency’s policy. It is also considering allowing banking groups to apply for licenses to operate cryptoexchanges, he said.

Japanese policymakers are taking a more positive view of crypto as U.S. President Donald Trump’s embrace of the assets bolsters the industry. The FSA has been undertaking a broad review of crypto rules that could lead to lower taxes for retail investors and approvals for domestic investment funds, while also toughening protections for consumers after past scandals.
The Yomiuri newspaper reported the development over the weekend.
Crypto is pushing further into mainstream financial services in the country.
Nomura Holdings, Japan’s largest brokerage, is preparing to apply for a license to offer crypto trading services for institutional clients in Japan. Daiwa Securities Group has also made it possible for clients at its branches to use Bitcoin and Ether as collateral to borrow yen.
Even if it lifts the ban on banks investing in crypto, the FSA remains wary of allowing them to sell crypto assets to clients, the official said.
The agency is weighing the move partly for banks that are interested in adding cryptocurrencies to their diversified investment portfolios, not as a measure to stimulate trading of the assets, he added.
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The Michigan Lottery offers several draw games for those aiming to win big. Here’s a look at Oct. 20, 2025, results for each game:
Midday: 7-8-1
Evening: 5-8-9
Check Daily 3 payouts and previous drawings here.
Midday: 8-1-7-8
Evening: 1-5-2-7
Check Daily 4 payouts and previous drawings here.
03-05-23-26-28, Lucky Ball: 09
Check Lucky For Life payouts and previous drawings here.
3C-4D-5D-7D-6H
Check Poker Lotto payouts and previous drawings here.
02-04-22-26-37
12-19-24-35-39
Check Fantasy 5 payouts and previous drawings here.
05-12-18-19-24-26-30-35-36-40-41-42-44-46-47-49-53-57-70-71-76-80
Check Daily Keno payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
All Michigan Lottery retailers can redeem prizes up to $600. For prizes up to $99,999.99, winners have the option to submit their claim by mail or in person at one of Michigan Lottery’s Regional Offices.
To claim by mail, complete a ticket receipt form, sign your winning ticket, and send it along with original copies of your government-issued photo ID and Social Security card to the address below. Ensure the names on your ID and Social Security card match exactly. Claims should be mailed to:
Michigan Lottery
Attn: Claim Center
101 E. Hillsdale
P.O. Box 30023
Lansing, MI 48909
For prizes over $100,000, winners must claim their prize in person at the Michigan Lottery Headquarters in Lansing located at 101 E. Hillsdale in downtown Lansing. Each winner must present original versions of a valid government-issued photo ID (typically a driver’s license or state ID) and a Social Security card, ensuring that the names on both documents match exactly. To schedule an appointment, please call the Lottery Player Relations office at 844-887-6836, option 2.
If you prefer to claim in person at one of the Michigan Lottery Regional Offices for prizes under $100,000, appointments are required. Until further notice, please call 1-844-917-6325 to schedule an appointment. Regional office locations are as follows:
For additional information, downloadable forms, and instructions, visit the Michigan Lottery’s prize claim page.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Michigan editor. You can send feedback using this form.

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Bitcoin and Ethereum rose after US President Donald Trump confirmed a meeting with China’s leader during the APEC summit on October 31. Based on reports, Bitcoin climbed nearly 4% while Ethereum gained about 5% and traded around $4,030. The whole market added roughly $100 billion in value in a short window, according to market watchers.
Reports have disclosed that an insider whale opened $255 million in long positions across Bitcoin and Ethereum. At the same time, the same trader put on a $76 million short on Bitcoin with 10x leverage.
The moves look like a bet on swings in price rather than a single directional stake. Observers note the trader has a history of large, well-timed trades, including a prior $730 million short that paid off. There is no clear public ID for this whale, and the motives are being examined by analysts.
Insider Bitcoin whale is back.
He just opened a $76,195,977 $BTC short position with 10x leverage.
Does he know something? pic.twitter.com/K4ldvQE1TN
— Ted (@TedPillows) October 19, 2025

Based on reports, comments by US President Donald Trump helped calm markets. He reportedly said “it will all be fine” when speaking about China’s economy, and the tone toward Beijing softened after a week where he had announced a 100% tariff on Chinese goods.
That tariff claim had sparked a big sell-off across traditional and crypto markets just days earlier. Market players reacted quickly to the latest signals of a thaw, viewing the upcoming meeting as a chance for reduced tension.
BREAKING
AN INSIDER WITH A 100% WIN RATE JUST OPENED $BTC AND $ETH LONGS WORTH $255 MILLION
HE DEFINITELY KNOWS SOMETHING pic.twitter.com/hwAkXPzBwW
— Wimar.X (@DefiWimar) October 19, 2025
According to on-chain data and exchange records, large-scale activity continued across spot markets. BitMine was reported to have picked up about $1.5 billion worth of Ether, a move that market participants say shows faith in Ethereum’s long-term outlook.
Meanwhile, El Salvador quietly added eight BTC to its reserves, bringing its total holdings to 6,355.18 BTC.
Based on exchange records, major centralized platforms recorded a net outflow of roughly 21,000 BTC over the past week.
Coinbase Pro and Binance were named among those with the biggest withdrawals, showing about 15,000 BTC and 12,000 BTC moved off exchanges, respectively.
Traders interpret such flows in different ways: some see accumulation into private wallets, others see funds repositioned by large traders.
Reports indicate that the market is reacting to both political signals and positions being adjusted by big hands. If the rhetoric between the US and China continues to show friendly signals, prices may push higher and retest monthly highs.
But the presence of a sizeable short position alongside large long positions suggests that volatility will stay. Presently, data points are being watched closely and traders are establishing balances between advancing positions and hedging.
Featured image from Gemini, chart from TradingView
Read More
Bitcoin and Ethereum rose after US President Donald Trump confirmed a meeting with China’s leader during the APEC summit on October 31. Based on reports, Bitcoin climbed nearly 4% while Ethereum gained about 5% and traded around $4,030. The whole market added roughly $100 billion in value in a short window, according to market watchers.
Reports have disclosed that an insider whale opened $255 million in long positions across Bitcoin and Ethereum. At the same time, the same trader put on a $76 million short on Bitcoin with 10x leverage.
The moves look like a bet on swings in price rather than a single directional stake. Observers note the trader has a history of large, well-timed trades, including a prior $730 million short that paid off. There is no clear public ID for this whale, and the motives are being examined by analysts.
Insider Bitcoin whale is back.
He just opened a $76,195,977 $BTC short position with 10x leverage.
Does he know something? pic.twitter.com/K4ldvQE1TN
— Ted (@TedPillows) October 19, 2025

Based on reports, comments by US President Donald Trump helped calm markets. He reportedly said “it will all be fine” when speaking about China’s economy, and the tone toward Beijing softened after a week where he had announced a 100% tariff on Chinese goods.
That tariff claim had sparked a big sell-off across traditional and crypto markets just days earlier. Market players reacted quickly to the latest signals of a thaw, viewing the upcoming meeting as a chance for reduced tension.
BREAKING
AN INSIDER WITH A 100% WIN RATE JUST OPENED $BTC AND $ETH LONGS WORTH $255 MILLION
HE DEFINITELY KNOWS SOMETHING pic.twitter.com/hwAkXPzBwW
— Wimar.X (@DefiWimar) October 19, 2025
According to on-chain data and exchange records, large-scale activity continued across spot markets. BitMine was reported to have picked up about $1.5 billion worth of Ether, a move that market participants say shows faith in Ethereum’s long-term outlook.
Meanwhile, El Salvador quietly added eight BTC to its reserves, bringing its total holdings to 6,355.18 BTC.
Based on exchange records, major centralized platforms recorded a net outflow of roughly 21,000 BTC over the past week.
Coinbase Pro and Binance were named among those with the biggest withdrawals, showing about 15,000 BTC and 12,000 BTC moved off exchanges, respectively.
Traders interpret such flows in different ways: some see accumulation into private wallets, others see funds repositioned by large traders.
Reports indicate that the market is reacting to both political signals and positions being adjusted by big hands. If the rhetoric between the US and China continues to show friendly signals, prices may push higher and retest monthly highs.
But the presence of a sizeable short position alongside large long positions suggests that volatility will stay. Presently, data points are being watched closely and traders are establishing balances between advancing positions and hedging.
Featured image from Gemini, chart from TradingView
Read More

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Win Up to $500 in CRO With Prediction Trading  Crypto.com
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XRP took center stage as Ripple-backed Evernorth announced plans to raise over $1 billion to build an XRP treasury reserve, which sent the token to a high of $2.5536 on Monday, October 20. This could mark a turning point for XRP’s institutional narrative.
Evernorth Holdings Inc. announced a public launch and a business combination agreement with Amarda Acquisition Corp II (Nasdaq: AACI), a publicly traded special purpose acquisition company (SPAC). Following the transaction, the company will continue as Evernorth (Nasdaq ticker: XRPN).
According to the official press release, investors include SBI, Ripple, Rippleworks, Pantera Capital, Kraken, and GSR. Ripple co-founder Chris Larsen and other prominent fintech names and investors will also participate.
Crucially, Evernorth will use the net proceeds to purchase XRP, aiming to build the largest institutional XRP treasury reserve.
Evernorth CEO Asheesh Birla commented on the SPAC’s strategy, stating:
“Evernorth is built to provide investors more than just exposure to XRP’s price. As we capitalize on existing TradFi yield generation strategies and deploy into DeFi yield opportunities, we also contribute to the growth and maturity of that ecosystem.”
Birla added:
“This approach is designed to generate returns for shareholders while supporting XRP’s utility and adoption. It’s a symbiotic model: our strategy is designed to align with the growth of the XRP ecosystem.”
The deal is expected to close in the first quarter of 2026. In addition to building the largest institutional XRP treasury reserve, Evernorth also plans to drive XRP’s real-world utility, focusing on payments, capital markets, and tokenized assets.
PR Newswire summed it up:
“Evernorth’s strategy is designed not only to accumulate XRP as a reserve asset but also to act as a long-term catalyst for the adoption and institutionalization of the XRP Ledger.”
Former Ripple Chief Technical Officer David Schwartz commented:
“XRP Community – I promised I’d have an update on my next venture soon right? Well here’s the start: I’ll be a strategic advisor to Evernorth, helmed by my friend @ashgoblue. Evernorth was founded as a regulated, scalable investment vehicle to tap into opportunities for XRP in DeFi and capital markets, extending the entire XRP ecosystem. I’m excited to get started!”
Market reaction to the announced plan for a $1 billion XRP treasury reserve asset underscored the significant influence of institutional demand on price trends. Analysts remain optimistic that strong demand for XRP-spot ETFs could send the token to new highs.
Furthermore, the announcement is likely to instill institutional confidence in XRP, potentially setting the stage for an explosive XRP-spot ETF launch.
However, the US government shutdown continues to leave XRP-spot ETF launches on ice, leaving the token well below its record high of $3.66. Grayscale, 21Shares, and Bitwise had final decision deadlines of October 18, 19, and 20. Delays are also expected for Canary Capital, CoinShares, and WisdomTree, which have final decision deadlines this week.
Notably, uncertainty about the timelines for a spot ETF launch had contributed to XRP’s pullback from an October 2 high of $3.1027.
Market intelligence platform Santiment commented on XRP’s price recovery above $2.5, stating:
“Just 10 days after XRP dropped below $1.90, and 3 days after retracing to $2.20, XRP has crossed above $2.5. Data shows clear signs of the crowd selling at a loss and conveying FUD. Prices typically move opposite to retail’s expectations.”
XRP rallied 4.47% on Monday, October 20, following the previous day’s 1.21% gain, closing at $2.4978. The token outperformed the broader crypto market, which gained 1.62%. Despite the breakout, XRP continued trading below the 50-day and 200-day Exponential Moving Averages (EMAs), reaffirming a bearish bias.
Key technical levels to watch include:
In the coming sessions, several key drivers could influence near-term price trends:
Bearish Scenario: Risks Below $2.4
These bearish scenarios could push XRP back toward $2.4. A break below $2.4 may expose the $2.0 psychological support level.
Bullish Scenario: Path to $3
These bullish scenarios could send the token above $2.7, putting $3.0 into play. A break above $3.0 could pave the way toward $3.66.
XRP’s near-term price trajectory hinges on the launch of spot ETFs and flow trends. Given the ongoing US government shutdown, traders should closely monitor Capitol Hill for progress toward reopening.
XRP could target the $3.0 handle if the US Senate passes a stopgap funding bill. The combination of Fed rate cuts, spot ETF approvals, rising institutional demand, and bipartisan support for the Market Structure Bill could send the token to new highs.
Capitol Hill may now hold the key to XRP’s next breakout. Tuesday’s Senate vote on a stopgap funding bill could dictate whether the token reclaims $3 or retreats toward $2. A Senate vote fell short of the needed 60 for an eleventh time on Monday, October 20, extending the shutdown to 20 days.
Traders should closely monitor Capitol Hill and US-China trade headlines.
With over 28 years of experience in the financial industry, Bob has worked with various global rating agencies and multinational banks. Currently he is covering currencies, commodities, alternative asset classes and global equities, focusing mostly on European and Asian markets.
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