In a sweeping thread on X, prominent crypto analyst Stellar Rippler made a bold claim that Ripple—the blockchain-based fintech firm behind XRP—is preparing to become a bank. But not just any bank.
According to the thread, Ripple is gearing up to operate at the infrastructural level of the global financial system, potentially rivaling central banks and redefining the very nature of money movement. Far from hyperbole, the assertion is built on a collection of publicly verifiable developments that signal Ripple’s ongoing institutional metamorphosis.
(1/🧵) RIPPLE IS GOING TO BECOME A BANK.
And when it does apply and get a banking license, everything changes.
This isn’t just a tech company anymore.
This is the future Fed wrapped in blockchain.
Bookmark this thread.Here’s what happens next:
🧵👇 pic.twitter.com/8R0tlOwOmG— Stellar Rippler🚀 (@StellarNews007) May 4, 2025
Beyond Cross-Border Payments: Ripple’s Institutional Pivot
While many still associate Ripple primarily with cross-border payments, Stellar Rippler argues that such a perception is outdated and narrow. Ripple’s broader ambition appears to be laying the foundational rails for a new financial system—one where blockchain meets banking with seamless regulatory integration. The prospect of obtaining a banking license isn’t simply a matter of status; it’s a final piece in a much larger strategic puzzle.
With a banking license in hand, Ripple would gain direct access to central banking systems, the authority to issue loans and credit, and the legal green light to custody both fiat and crypto assets. It could position itself as a regulatory-compliant hub capable of onboarding central bank digital currencies (CBDCs), stablecoins, and tokenized real-world assets (RWAs). This would mark a dramatic evolution from a tech company servicing banks to a fully-fledged institution that is the bank.
Infrastructure-Level Play: Strategic Preparation in Motion
Ripple’s preparatory groundwork lends credence to Stellar Rippler’s thesis. Following the partial legal clarity achieved in the U.S. after its landmark case with the SEC, Ripple is no longer operating in a regulatory vacuum. The company holds over $25 billion in assets and has already developed payment corridors across more than 70 countries. Its footprint includes CBDC pilot programs with Bhutan, Palau, and Montenegro, and it maintains strategic relationships with major global organizations like the Bank for International Settlements (BIS) and the International Monetary Fund (IMF).
The acquisition of Metaco—a trusted crypto custody firm used by traditional banks—along with Ripple’s rumored $5 billion bid to acquire Circle (the issuer of USDC), reflects an aggressive institutional pivot. These aren’t moves of a startup clinging to relevance—they have calculated efforts toward embedding Ripple deeper into the core of global finance.
A Banking License: The Gateway to Regulatory Immunity?
The allure of becoming a licensed bank lies not only in increased capabilities but also in protective jurisdiction. As Stellar Rippler outlines, such a license could potentially shield Ripple from certain regulatory constraints and allow it to operate on a different legal tier—one that governments and regulators can’t easily sideline. Instead of negotiating compliance, Ripple would become part of the regulatory fabric itself.
In this scenario, Ripple could introduce its suite of financial products, including branded stablecoins (like RLUSD), institutional-grade custody solutions, and platforms for issuing credit and holding sovereign reserves. With access to both fiat and crypto liquidity, Ripple would be positioned to act as a digital clearinghouse for tokenized assets, from securities to real estate.
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XRP’s Central Role: Liquidity Engine of the Future
If Ripple ascends into banking territory, XRP’s role will expand exponentially. It would no longer be just a utility token for remittances but the liquidity backbone for a tokenized, interoperable financial ecosystem. Stellar Rippler envisions a future where CBDCs, stablecoins, securities, and tokenized real estate all flow through XRP as the bridge asset.
The implications are enormous: regulatory legitimacy, institutional demand, and real-world utility converge to create a new type of asset—one indispensable to the plumbing of future finance. XRP becomes more than a speculative asset; it becomes part of the machinery that governments and institutions depend on to move value.
Entering the Final Phase of Financial Transformation
As Ripple moves deeper into regulatory, technological, and institutional corridors, its ambition is becoming clearer. With regulatory chess pieces now in motion and alliances forming across central banks and fintech corridors, Ripple may soon step beyond the role of a tech innovator. It is angling to be the backend of the next financial system, powered by blockchain and governed by protocols as much as policy.
If Stellar Rippler’s thesis proves accurate, we are witnessing more than the evolution of a company—we’re watching the quiet buildout of the infrastructure that could redefine the flow of money for generations to come.
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 urged to do in-depth 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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