In a market often driven by regulatory signals as much as price charts, a new claim from crypto commentator Ripple Bull Winkle has shifted XRP Army’s attention to developments in the United States banking system.
In his latest post, he argues that a quiet move by the Federal Reserve has materially altered the outlook for XRP, suggesting that conditions for broader institutional participation may now be falling into place.
According to the commentator, this is not a routine update but a change with immediate implications for how banks can interact with digital assets. He frames the moment as one that could reshape expectations for XRP in the near and medium term, particularly as larger financial players reassess their ability to engage with crypto infrastructure.
💥 FED JUST OPENED THE #XRP FLOODGATES!! pic.twitter.com/ssO6QEKc3q
— Ripple Bull Winkle | Crypto Researcher 🚀🚨 (@RipBullWinkle) December 21, 2025
Withdrawal of 2023 Guidance Highlighted
At the center of his commentary is the Federal Reserve’s reported decision to withdraw guidance issued in 2023 that discouraged or limited uninsured banks from engaging with crypto-related activities. Ripple Bull Winkle explains that this guidance had effectively constrained parts of the banking sector from holding digital assets or connecting directly to crypto payment and settlement systems.
With that barrier removed, he contends that a wider group of banks can now participate in what he describes as crypto rails, allowing them to custody digital assets and integrate blockchain-based settlement into their operations.
In his view, this is a shift away from retail-driven activity toward the potential entry of institutional liquidity, which he sees as more significant for long-term market structure.
He emphasizes that such liquidity would not come from individual traders but from the balance sheets of financial institutions that were previously sidelined by regulatory uncertainty.
Ripple’s Trust Bank and Institutional Readiness
Ripple Bull Winkle further links this regulatory change to Ripple’s recent approval for a National Trust Bank, which he says is positioned to operate within this evolving framework. He presents the approval as timely, arguing that the structure of such a bank aligns with the needs of institutions seeking compliant access to digital asset settlement and custody.
In his assessment, as more banks connect to these systems, settlement volumes could rise accordingly. He ties this directly to XRP, noting that increased usage for settlement would interact with a fixed supply, a dynamic he believes could influence market behavior if institutional demand materializes as expected.
Supply Dynamics and Market Impact
The commentator also outlines how he expects institutions to source liquidity, starting with private over-the-counter markets before turning to public order books. He suggests that this progression could place visible pressure on the available supply if participation grows.
While his remarks are forward-looking, Ripple Bull Winkle presents them as a logical outcome of regulatory easing combined with infrastructure readiness. He encourages followers to pay close attention to policy signals, arguing that they often precede shifts in market activity.
Overall, his message frames the Federal Reserve’s move, as he describes it, as a foundational change that could open the door for deeper bank involvement in crypto and, by extension, a new phase for XRP within institutional finance.
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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