Crypto enthusiast Diana released a tweet outlining what she described as a confrontation between Ripple and the legacy financial system.
According to her post, the situation escalated when Ripple applied for a U.S. national bank charter and a Federal Reserve master account in July 2025.
If granted, this would provide Ripple with direct access to FedWire, confer full banking status, and enable the company to issue the RLUSD stablecoin. Diana emphasized that these moves would solidify Ripple’s presence in the digital asset space and the traditional financial sector.
4/ XRP + RLUSD = DEATH TO THE MIDDLEMAN 🪦
Ripple’s plan:
🔹 Use XRP for global liquidity
🔹 Use RLUSD (its stablecoin) for instant settlement
🔹 Bypass traditional rails completelyBanks don’t just lose business —
They lose relevance.— Diana (@InvestWithD) August 4, 2025
Opposition from Major Banking Interests
Diana reported that a group of 42 major banks, represented through the Bank Policy Institute (BPI), immediately responded by lobbying U.S. regulators to deny Ripple’s applications. The BPI’s official rationale included arguments citing high risk and fiduciary concerns.
However, Diana dismissed these objections as superficial, asserting that the banks’ real issue was the threat to their existing power and relevance. She claimed this level of resistance was evidence of fear rather than genuine regulatory caution.
According to her, these institutions view Ripple and XRP not merely as competitive threats but as a foundational shift in how money is moved across borders. She noted that Ripple’s strategy eliminates several legacy banking tools, including SWIFT messaging delays, Nostro/Vostro accounts, lengthy wire transfers, and high remittance fees. XRP’s speed and near-zero transaction cost, she said, leave traditional banking infrastructures outdated.
Ripple’s Infrastructure and Global Strategy
Diana highlighted that Ripple is not operating from a typical tech startup position. She described Ripple as fully licensed in key jurisdictions such as the United States, Dubai, and Singapore, with its On-Demand Liquidity (ODL) service currently active in over 50 countries. She also stated that Ripple is “crypto-native,” referencing its use of XRP, the XRP Ledger (XRPL), and its focus on integrating its technology directly into financial systems.
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Her tweet also detailed how Ripple’s future ecosystem is structured to bypass traditional banking rails. The integration of XRP for global liquidity and RLUSD for instant settlement is positioned as a direct alternative to the slow and expensive systems that have long dominated international finance.
In Diana’s view, banks are not only concerned about losing market share but also about being rendered obsolete altogether.
Broader Implications and Historical Parallels
Diana compared the banks’ current posture toward Ripple with their past resistance to innovations like PayPal, Coinbase, stablecoins, and Bitcoin.
According to her, the methods employed are consistent: deploy lobbyists, pressure regulators, and present consumer protection concerns as justification. However, she implied that such efforts are unlikely to succeed, stating that technological progress has always eventually prevailed.
She further contended that Ripple’s request for a bank charter and Fed access should be interpreted as a direct challenge to the foundation of traditional finance. In her words, Ripple did not ask “for permission to exist,” but rather for “access to the core of the financial system.” This action, she stated, signals a fundamental transformation already underway.
Diana concluded her post by asserting that XRP functions as more than a digital asset. According to her, it powers cross-border transactions, facilitates stablecoin issuance via RLUSD, supports CBDC interoperability, and enables on-demand liquidity—all independently of traditional banking approval. She framed the opposition Ripple is currently facing as validation of its importance, saying, “You don’t get attacked unless you’re a threat.”
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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