Cryptocurrency splits often stem from disagreements about money or core beliefs. However, this particular split happened because of a difference in opinion over adding new features. For years, those who verify transactions on the XRP Ledger resisted adopting “Hooks,” a simple system for running small programs directly within accounts to control how they send and receive funds. Eventually, the developers decided not to wait any longer. They created Xahau – a new network based on the original XRP Ledger code but *with* Hooks included – along with its own digital currency and verifiers. Ripple’s top technology officer even publicly backed this move, believing it was the best way forward for the technology. Now, three years later, the original XRP Ledger is finally starting to add similar programming capabilities itself. A new update called XLS-100d, based on WebAssembly Smart Escrows, is being tested, and another planned update, XLS-101d (for general smart contracts), draws inspiration from both Hooks *and* Ethereum’s technology. This article explores what this coming together of the two chains means: for the original XRP Ledger that initially said no, for Xahau which forged ahead independently, and for the broader cryptocurrency world now facing three different approaches to adding programming features to payment systems.