A recent video featuring Troy Black, a Christian YouTuber, author, and prophetic voice, focused on Ripple’s banking ambitions, the size of the global payments market, and XRP’s long-term position in the digital asset economy. His comments explained why some analysts believe XRP could become core financial infrastructure.
Crypto influencer Xaif (@Xaif_Crypto) cited this research when comparing XRP to Google in the early internet era. The comparison is based on utility, adoption potential, and infrastructure growth.
🚨BREAKING: $xrp is the google of crypto and we're still in 2003. 😱🤯
once you use it, you don't go back. just like gmail killed hotmail, $XRP is about to make every other payment network obsolete. 🫡 pic.twitter.com/P4uYGnB93I
— Xaif Crypto🇮🇳|🇺🇸 (@Xaif_Crypto) March 29, 2026
Bank License and Settlement Access
In the video Xaif shared, Black drew attention to Ripple’s application for a banking license, noting that it would “allow them to settle payments with the Federal Reserve directly.” This statement is important because direct settlement access changes how payments move between institutions.
Banks currently rely on multiple intermediaries for international settlement. Direct access reduces settlement layers, lowers costs, and increases speed.
Financial institutions choose systems that reduce cost and increase efficiency. Ripple has already received conditional approval, and this type of access positions the company as a payment infrastructure provider instead of just a software company.
Cross-Border Market Expansion
Black explained the size of the opportunity XRP is targeting. He said, “cross-border payments were at $190 trillion in 2023.” He also said estimates show that figure could reach $290 trillion by 2030. That is a $100 trillion increase in payment flows, and payment networks grow when transaction volume grows.
A network that processes international transfers quickly and at low cost can capture transaction volume as the market expands. XRP is designed to provide liquidity for cross-border settlement, and increased usage can increase demand for the asset, potentially pushing its price up.
Foundational Position and the Google Comparison
Black said there will be major foundational players in crypto and added, “I believe XRP is one of them.” He also identified Bitcoin as another long-term asset.
The argument focuses on infrastructure value. He believes that valuable assets like XRP can outlast the competition, just like Google has maintained its dominance and eliminated its competition.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
In the early 2000s, Google was still expanding while internet usage increased worldwide. As usage increased, Google’s revenue and market value increased. Infrastructure platforms grow as more users rely on them.
Outlook Based on Utility Growth
XRP’s price growth depends on usage, transaction volume, and institutional adoption. If XRP is used for cross-border liquidity at scale, demand for the asset can increase as payment volume increases. If XRP follows this trend, buying the asset now could be as lucrative as investing in Google in 2003.
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.
Follow us on X, Facebook, Telegram, and Google News
