Many observers continue to question why major financial institutions working with Ripple have not yet adopted XRP for global settlement. Crypto enthusiast Skipper addressed this subject by sharing a video that outlines the core reasoning behind the current pace of adoption.
The video focuses on the structural, technical, and institutional steps required for a digital asset to function at the center of global financial systems.
Skipper’s post centers on these foundational elements, presenting them as the key to understanding the broader trajectory of XRP’s intended role.
PART 1👀
THE TRUTH ABOUT XRP AND WHY BANKS AREN'T YET USING IT.
THIS VIDEO EXPLAINS IT CLEARLY, AND THE HATERS WILL SURELY HATE THE FACT THAT THE #XRP LEDGER, RIPPLE, AND XRP ARE BUILT TO DOMINATE GLOBAL FINANCE. pic.twitter.com/lfYwtphLov
— Skipper | XRPL (@skipper_xrp) December 5, 2025
Infrastructure as the First Phase
According to the explanation provided in the video, the absence of widespread institutional settlement with XRP is not a sign of failure or hesitation. Instead, it reflects a planned sequence of development.
The speaker detailed that Ripple’s initial objective was not immediate asset usage, but rather the creation of a resilient and scalable financial architecture. This stage involved building the XRP Ledger, a system engineered to support high-speed, cost-efficient, secure settlement of institutional value.
The protocol was designed to move large sums globally, meeting operational demands that exceed typical retail activity. The video emphasized that institutional adoption can only begin once the foundation demonstrates consistent reliability.
Establishing Trust with Key Institutions
The second stage outlined in the video focused on integration. This step involved building trust with central banks, regulated financial institutions, payment companies, and other entities that influence global monetary processes. The speaker noted that these partnerships were never meant to force immediate XRP settlement.
Instead, the purpose was to embed Ripple’s technology within existing financial infrastructure. By integrating the ledger and related systems directly into traditional financial rails, Ripple established a level of familiarity and operational confidence that institutions require before transitioning to new settlement standards.
Why Adoption Cannot Be Instant
The video also underscored that no major financial system will adopt a new protocol overnight. Large-scale institutional use depends on proven reliability, compliance, interoperability, and assurance that the technology can operate seamlessly at a global scale. The speaker explained that this is why Ripple focused first on technological refinement and institutional alignment rather than early XRP implementation.
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The process involves ensuring speed, efficiency, scalability, and environmental sustainability, all of which the XRP Ledger was built to address. For global institutions, these assurances are prerequisites rather than optional features.
Outlook on Future Usage
Skipper’s post highlights a perspective that portrays XRP’s adoption path as progressing through defined phases rather than sudden deployment. The explanation given in the video suggests that the groundwork being laid is intended to support eventual large-scale settlement once trust, infrastructure, and integration are fully aligned.
Observers who monitor institutional movements often focus on short-term indicators. However, the video positions the current stage as part of a longer-term strategy where widespread usage follows the completion of foundational requirements.
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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