Hoskinson Confirms XRP DeFi Arrival, Unlocking Over $100B Liquidity via Midnight
Written by Ohris M. Greyoon, Blockchain & Crypto Expert
Source: Coinmarketcap
Updated: Jan 12 2026- XRP DeFi Coming: Charles Hoskinson confirms the introduction of XRP into DeFi through Cardano's Midnight chain, aiming to utilize over $100 billion in idle XRP for lending and yield farming, significantly enhancing XRP's utility and liquidity.
- Tech Innovation Against Threats: Hoskinson emphasizes the importance of new technology in restoring user trust, with the Midnight Protocol designed to counter AI-driven hacking threats, offering data protection and regulatory compliance to bolster decentralized finance security.
- 2026 Pivotal Moment: He predicts that 2026 will be a critical year for the crypto industry, particularly for retail investor revival, with the integration of XRP providing new DeFi utilities within the Cardano ecosystem, potentially driving market recovery.
- Critique of Competing Projects: Hoskinson expresses frustration over Donald Trump's WLFI token, labeling it a “frustrating” distraction that could hinder bipartisan regulatory progress, risking years of stagnation in the industry.
About the author
Ohris M. Greyoon
Ohris M. Greyoon holds a Master’s in Computer Science from MIT and has 10 years of experience in blockchain technology and cryptocurrency markets. A pioneer in decentralized finance (DeFi) analysis, he leads Intellectia’s Crypto News, offering cutting-edge insights into digital assets.
