Here’s Why Cardano’s Midnight and XRP Together Could Break the Banking Model

Charles Hoskinson, the founder of Cardano (ADA), believes a future integration between Midnight and XRP Ledger–based DeFi could seriously challenge how traditional banks operate. Midnight is Cardano’s privacy-focused sidechain. It is designed to support smart contracts where sensitive data stays private, but transactions can still meet regulatory requirements.  The key idea behind Midnight is selective