Crypto influencer Ledger Man recently shared content addressing a recurring question in the digital asset space: why major banks and financial institutions are not yet using XRP on a global scale for transaction settlement.
His post directs attention to a video explanation that challenges the assumption that the absence of widespread XRP usage reflects a lack of institutional interest or technological readiness. Instead, the material emphasizes sequencing, infrastructure, and trust as central factors shaping adoption timelines.
The message presented alongside the video acknowledges that critics often dismiss the idea that the XRP Ledger, Ripple, and XRP were designed to play a significant role in global finance. Ledger Man’s contribution, however, centers on clarifying why current conditions do not yet reflect the end goal many observers expect.
The truth about #XRP and why banks aren't yet using it.🏦
This video explains it clearly, and critics may disagree with the idea that the XRP Ledger, Ripple, and XRP are built to play a major role in global finance.📈 pic.twitter.com/3q2DWW0W2j
— Ledger Man 🎩 (@strivex_) January 19, 2026
Infrastructure as the First Priority
According to the speaker in the attached video, the initial phase of Ripple’s strategy focused on building foundational infrastructure rather than driving immediate XRP usage among banking partners.
The explanation stresses that large-scale financial innovation does not begin with instant deployment across global institutions. Instead, it started with constructing settlement rails capable of handling institutional volumes securely and efficiently.
The XRP Ledger is described as having been engineered to support the movement of large sums of value at high speed, with low cost and operational reliability. While retail activity and market liquidity exist on the network, the speaker argues these were not the primary design objectives.
The core focus was creating a system capable of operating at an institutional scale and meeting the operational expectations of banks, payment providers, and central financial authorities.
Establishing Trust Through Integration
The video further explains that once the infrastructure was in place, the next phase involved integration with existing financial systems. This stage emphasized building trust with institutions that oversee and manage monetary activity rather than compelling them to use XRP immediately.
The partnerships formed during this period are characterized as strategic integrations rather than direct endorsements of instant settlement via digital assets.
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By embedding its technology into established financial plumbing, Ripple aimed to demonstrate reliability over time. The speaker argues that financial institutions cannot be expected to transact on new systems without a proven operational record, particularly when those systems are expected to support critical payment flows.
Why Immediate XRP Usage Was Not the Objective
Ledger Man’s shared content reinforces the idea that XRP adoption was never intended to precede infrastructure readiness and institutional confidence. The video asserts that introducing a new financial standard requires gradual alignment with regulatory, technical, and operational requirements already governing global finance.
From this perspective, the current lack of universal XRP usage by banks is presented not as a failure, but as a reflection of a deliberate strategy. The underlying argument is that infrastructure development and trust-building must come first, with broader utilization following only after those foundations are firmly established.
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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