In a bold show of confidence, Ripple Labs has just unveiled a $1 billion XRP buyback plan, igniting a whirlwind of speculation in the cryptocurrency realm. This audacious step comes at a time when the market is experiencing turbulence, showcasing erratic price movements and a surge in institutional interest. As the crypto landscape buzzes with conversation, the critical questions linger: What does this monumental buyback mean for everyday XRP investors, and how will it reshape the entire market dynamics?
Ripple isn’t merely dipping its toes into the buyback waters; it’s constructing a digital-asset treasury (DAT) that aims to solidify liquidity and engage with institutional players more effectively. This treasury will serve as a dedicated entity, pooling resources not only to acquire XRP but also potentially utilizing Ripple’s own reserves in the process. In an era where apprehension runs high in the crypto world, this initiative underscores Ripple’s steadfast commitment to both its token and the broader ecosystem. By tightening the circulating supply, the company hopes to create upward pressure on prices—but success ultimately depends on how deeply retail investors engage with this shifting landscape.
Ripple’s treasury initiative isn’t just a financial buyback; it’s a spark for an institutional wave in the digital asset arena. By ensuring liquidity through these acquisitions, Ripple aims to bring about a framework that enhances market stability and supports its expansive vision. Yet there’s a palpable tension concerning retail investors’ roles in this evolving scenario. According to community analyses, estimates suggest that 500 million to 1.9 billion XRP are currently held by retail investors. This breeds skepticism over whether Ripple’s buyback can effectively mop up this significant supply without alienating individual holders.
The response from the XRP community paints a picture of division regarding Ripple’s buyback ambitions. Influential figures, such as Baba Cugs, posit that institutional backing is crucial for XRP’s trajectory. The overarching concern emerges: if institutional uptake rises while retail participation dwindles, we might witness a supply squeeze—a scenario where everyday investors are increasingly pushed to the sidelines. Dialogue on social media platforms reveals a wariness among community members regarding Ripple’s apparent pivot to favor institutional interests at the expense of individual XRP holders.
The stark reality of a potential supply squeeze prompts urgent reflection: Will Ripple’s consolidation initiatives raise asset prices beyond the reach of retail investors? Should Ripple strategically acquire a large swath of circulating XRP, it may become increasingly challenging for current holders to snag tokens at favorable rates. Projections hint that if prices ascend—crossing critical thresholds like $5, $10, or even $20—the opportunity for retail investors to procure XRP could markedly shrink, positioning institutional players as the primary beneficiaries of any price escalations.
As Ripple navigates its future in the ever-evolving crypto landscape, analysts are turning their eyes to the potential industry-wide ramifications. The buyback strategy could herald a fundamental shift, potentially tilting the balance of power from retail investors to institutional giants. History suggests that structured buyouts often incite subsequent price increases; thus, the stakes for XRP are monumental. If retail supply wanes amid rapid institutional stockpiling, XRP could soar in value, compelling retail investors to recalibrate their trading approaches.
Ripple’s $1 billion buyback initiative symbolizes more than just another financial maneuver; it marks a potentially seismic shift in the cryptocurrency ecosystem, particularly concerning retail investors. As institutional clout rises and market dynamics morph, individual holders may need to reevaluate their positions and strategies sharply. The future of XRP is intricately linked to these unfolding events, stressing the importance of acute awareness of the shifting tides. With Ripple’s ambitious plans taking shape, the dialogue surrounding XRP is set to intensify—retail investors must remain on high alert as this narrative unfolds.

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Ripple's $1 billion buyback plan aims to reshape the cryptocurrency market, creating liquidity while raising concerns for retail investors about price dynamics.
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While casino gambling revenue in Nebraska continues to grow, the financial picture for the Nebraska Lottery, operated by the state’s Department of Revenue, is less rosy.
Nebraska Lottery sales declined by more than 16% in the fiscal year ending in July 2025, according to a report released Monday by the state auditor’s office. The $36 million drop in sales also resulted in a nearly $10 million decline in the lottery’s transfers to beneficiary funds.
The lottery beneficiaries are outlined in a constitutional amendment that was approved by Nebraska voters in 2004.
Lottery proceeds are distributed among the Nebraska Environmental Trust Fund (44.5%), the Nebraska State Fair Board (10%), legislatively directed education programs (44.5%) and the Compulsive Gamblers Assistance Fund ($500,000+1%).
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Moving To Singapore? Essential Guide – Expat Living in Singapore
Moving to Singapore – learn about neighbourhoods, furniture, schools, beauty and food? We help make the most of expat living in Singapore.
25th November 2022 by Rebecca Bisset 3 Min Read
https://expatliving.sg/fertility-problems-and-freezing-eggs-in-singapore/
Getting pregnant can be a simple affair – but for some folks, it’s not. We talk to Dr Anupriya, Dr Cathryn Chan, Dr Fong Yang and Dr Lim Min Yu from Astra Women’s Specialists about fertility problems, freezing eggs in Singapore and some misconceptions around infertility and trying to get pregnant.
Often, couples may not realise that they’re experiencing fertility problems. They may attribute their unsuccessful attempts to them just not trying hard enough.
Generally speaking, if you’re having sexual intercourse two to three times per week during the fertile period, this is considered a sufficient effort. If you’re unable to conceive despite doing this, it’s possible there’s a larger issue at play.
Over the years, we’ve seen an increasing number of couples seeking help in the fertility department. These days, it’s common for couples to experience fertility problems. It could be due to couples getting married later, delaying their decisions to have children, or experiencing stress at work.

This depends on the woman’s age, and whether she has any underlying gynaecological conditions. If the woman is below 35 years old, the couple should seek medical help if they have been unable to conceive after one year of trying. For women above 35, the timeframe is shorter: seek medical help if you’re unable to conceive after six months of trying.
Finally, for women with underlying gynaecological conditions such as Polycystic Ovary Syndrome (PCOS), endometriosis, fibroids or ovarian cysts, you may seek help before six months or even schedule an appointment with your gynaecologist once you decide to start trying. For these women, the risk of infertility is higher, and it’s worth consulting your doctor early on in the process.
Getting pregnant can be a hit-or-miss process. It’s easy for some, but may require more time for others. However, worry can affect your chances, so don’t put yourself under undue stress.
There are a few fertility treatment options. These can be broadly categorised into medical treatment, surgical treatment and Assisted Reproductive Techniques (ART). Here’s a breakdown:
For male infertility, there are certain medications that men can take to improve sperm quality and count. Improving the sperm is a crucial factor in increasing a couple’s chances of getting pregnant without IVF. Even in the case where IVF is required, higher quality sperm is likely to result in better success rates.
Egg freezing is a process in which a woman’s eggs are retrieved, frozen and stored. This essentially preserves the fertility of a woman who wants to conceive later on in life.
In Singapore, elective egg freezing will be allowed as of 2023. This introduces the key benefit of enabling women to avoid the issue of declining egg quality as they age.

However, egg freezing is an invasive procedure, and there is no guarantee of a successful pregnancy with frozen eggs. As such, women should consult their doctor to better understand the risks and benefits, and find out if egg freezing is a viable option for them.
Written in collaboration with Dr Anupriya, Dr Cathryn Chan, Dr Fong Yang and Dr Lim Min Yu from Astra Women’s Specialists
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Categories: Uncategorized Tags: Astra Women’s Specialists Fertility problems
Rebecca has a background in research and photography and helped start Expat Living so that people could make the most out of their new countries and new lives. She likes to travel, but finds looking inside homes and properties just as exciting! Her latest passion is SEO!
© 2025 Expat Living Singapore, All Rights Reserved.

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Partnership to Expand Digital Payment and Crypto Services in South Korea
October 21, 2025 – Crypto.com today announced it has signed a Memorandum of Understanding (MoU) with Travel Wallet, a leading South Korean fintech company specializing in digital payments and currency exchange for global travelers.
As part of the partnership, Travel Wallet, which enables its more than 8 million users to hold, exchange, and spend over 40 currencies through its mobile app and card, will become Crypto.com’s preferred issuing partner in South Korea, launching a co-branded prepaid card that enables users to spend both fiat and crypto globally. The companies will also collaborate on integrating Crypto.com’s crypto-as-a-service (CaaS) capabilities into Travel Wallet’s app, allowing users to trade virtual assets directly within the platform. Additionally, Crypto.com will jointly promote Travel Wallet’s KRW-denominated stablecoin across both ecosystems to support faster, lower-cost cross-border payments. The two firms will also explore a referral and rewards program to enable mutual user growth across both platforms.
“South Korea is a significant and continuously growing fintech and crypto market, and Travel Wallet has built a trusted brand among global travelers,” said Eric Anziani, President and Chief Operating Officer of Crypto.com. “We are excited to partner with Travel Wallet to offer crypto-powered features that make spending and trading easier, faster, and more rewarding for a consumer base eager to engage with these kinds of features.”
“This agreement marks the beginning of a new payment paradigm where fintech finance meets blockchain finance," said Kim Hyung-woo, CEO of Travel Wallet. "Travel Wallet will build a unified payment ecosystem encompassing foreign currencies, cryptocurrencies, and stablecoins. This move is set to significantly elevate the global competitiveness of Korea's fintech industry.”
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Founded in 2016, Crypto.com is trusted by millions of users worldwide and is the industry leader in regulatory compliance, security and privacy. Our vision is simple: Cryptocurrency in Every Wallet™. Crypto.com is committed to accelerating the adoption of cryptocurrency through innovation and empowering the next generation of builders, creators, and entrepreneurs to develop a fairer and more equitable digital ecosystem. 
Learn more at https://crypto.com/kr.
About Travel Wallet
Established in 2017, Travel Wallet is an innovative fintech platform that provides a multi-currency solution for global travelers. As the first company in Asia to secure a VISA Principal License, it offers the signature 'Travel Pay' card with the market's lowest exchange fees. The platform simplifies foreign exchange and payment processes, now supporting over 46 currencies and 100 million global merchants. With cumulative transactions surpassing KRW 6 trillion and 8 million issued cards, Travel Wallet is now scaling its global expansion, leveraging its proprietary cloud-based payment processing service.
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Foris DAX MT Limited is a limited liability company incorporated in Malta with Company registration number C 88392 and registered office at Level 7, Spinola Park, Triq Mikiel Ang Borg, SPK 1000, St. Julians, Malta, trading under the name Crypto.com, duly authorized by the Malta Financial Services Authority as a Crypto-Asset Service Provider pursuant to Regulation 2023/1114 on Markets in Crypto-Assets as implemented in Malta by the Markets in Crypto Assets Act. Foris DAX MT Limited is authorized to provide the following services: 1. Exchange of crypto-assets for funds; 2. Exchange of crypto-assets for other crypto-assets; 3. Reception and transmission of orders for crypto-assets on behalf of clients; 4. Execution of orders for crypto-assets on behalf of clients; 5. Transfer services for crypto-assets on behalf of clients; and 6. Custody and administration of crypto-assets on behalf of clients.

The Cash Account is provided by Foris MT Limited. The Crypto.com Visa Card is issued and promoted by Foris MT Limited pursuant to its Visa Principal Member (Issuing) license. Foris MT Limited is a limited liability company incorporated in Malta with company registration number C 90348 and registered office at Level 7, Spinola Park, Triq Mikiel Ang Borg, SPK 1000, St. Julians, Malta, duly authorized by the Malta Financial Services Authority as a Financial Institutions licensed to issue electronic money under the 3rd Schedule to the Financial Institutions Act (Electronic Money Institutions).
Any other product or service offered and advertised on this webpage or the Crypto.com App is provided by other group companies and does not fall within the Foris DAX MT Limited or Foris MT Limited regulated services.
Trading or holding crypto-assets carries risks and may not be suitable for all. Please note that past performance is not a guarantee of future performance. Carefully consider whether investing in crypto-assets is suitable for you in light of your financial condition and risk tolerance. You can find more information on the risks involved with trading or holding crypto-assets here.

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MoonBull ($MOBU) Presale Goes Viral as XRP and HYPE Hold Strong – Is This the Best Crypto to Buy This Week?  Cryptopolitan
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Dogecoin vs Bitcoin: Key Technical Differences Explained  Cryptopolitan
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Pi Network Price Forecast: PI technical indicators flash bullish potential  FXStreet
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Winning numbers drawn in Sunday’s Washington Keno  New Haven Register
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A clear sky. Low 58F. Winds light and variable..
A clear sky. Low 58F. Winds light and variable.
Updated: October 20, 2025 @ 4:36 pm

The San Marino Police Department knows Halloween is an exciting time for children, but it urges that safety should always come first to ensure a fun and injury-free celebration for all.
To help guide community members on how to keep their families out of harm’s way, the SMPD is asking parents and trick-or-treaters to prioritize costume safety by using fire-resistant materials, reflective elements and nontoxic makeup instead of masks that impair vision. Additionally, adult supervision, clear travel routes, and cautious driving are essential to prevent accidents and keep everyone safe on Halloween night.
TRICK-OR-TREATING, PEDESTRIAN SAFETY
HALLOWEEN PARTY SAFETY
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👍 Just 10 days after XRP dropped below $1.90, and 3 days after retracing to $2.20, $XRP has crossed above $2.50. Data shows clear signs of the crowd selling at a loss and conveying FUD. Prices typically move opposite to retail’s expectations.

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