Crypto pundit SonOfaRichard (@heythereRich) recently laid out a view of XRP that focuses less on market hype and more on strategic positioning. His argument starts with a reassessment of the banking sector.
He believes that banks did not resist XRP because it belongs to crypto culture. They resisted it because it worked too well within existing financial rails. However, that resistance softened over time.
SonOfaRichard wrote that banks realized “they could use it, benefit from it, hedge with it, and settle through it.” XRP moved from an external threat to an internal tool. Banks began to see utility where they once saw disruption.
This change did not arrive overnight. It followed years of rigorous testing and regulatory advancement. The result was quiet acceptance and new roles for XRP in the banking system.
Banks didn’t fear XRP because it was crypto.
They feared it because it worked.
Then something changed.
Banks realized:
•they could use it
•benefit from it
•hedge with it
•settle through itWhat they didn’t anticipate was who their real competitors would be.
Not Ripple.…
— SonOfaRichard (@heythereRich) December 29, 2025
From Resistance to Integration
XRP’s design prioritizes fast settlement and liquidity efficiency, traits banks now recognize as essential during volatile markets. SonOfaRichard argues that institutions now treat XRP as infrastructure.
That shift drives real action. Institutions hedge exposure, explore settlement paths, and evaluate custody options. None of that happens when an asset lacks perceived value. However, SonOfaRichard stresses that the real competitors for the banks are Big Tech platforms with global users, not Ripple.
Why Big Tech Alters the Equation
SonOfaRichard points directly to X, Amazon, Meta, Microsoft, and Google. These platforms already operate at a population scale and do not need to acquire users. In that environment, payments become a feature, not a product. XRP fits naturally into the systems due to its speed and liquidity. This is where regulation gains urgency.
He argues that “stablecoin law matters” and that “permissioning, custody, audits, and licenses suddenly matter.” Banks worry less about crypto startups and more about platforms that can deploy financial tools instantly. XRP sits at the center of that tension because it already connects institutional rails with digital settlement.
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Ripple’s Strategic Awareness
SonOfaRichard also states that “Ripple saw that coming too.” That implies foresight rather than reaction. Ripple pursued regulatory engagement while expanding institutional corridors. That approach positioned XRP for environments where compliance defines access. It also limits risk for institutions that require legal clarity before adoption.
The closing idea in SonOfaRichard’s post ties everything together. “When you have an audience… You have endless opportunity.” XRP operates within that reality.
Banks now recognize XRP’s function, and rumors of a partnership with Amazon suggest that Big Tech sees the asset’s relevance. XRP is now at the center of these evolving systems, and can play important roles in all of them, giving it unrivaled value in global 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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