#DanielNadem

$XRP matters if your money sits in a bank. After months digging, the picture looks. A recession around 2026 could expose serious cracks. Debt is crushing the system as loans taken at low rates face painful refinancing. Between 2025 and 2026, about one point two trillion in commercial real estate debt matures, while offices sit empty and values are down twenty to thirty percent. Shadow banking adds risk, with highly leveraged private credit tightly linked to banks. Add a cooling AI trade, geopolitics, rising bankruptcies, an inverted yield curve, aging demographics, weaker regulation, and bank stress looks likely ahead