Ripple’s banking ambitions can lead to a leading role as a global financial service provider
- As a bank, Ripple would have direct access to central banks, the issue of stable coins and all services for digital assets.
- XRP could develop into a central settlement level for tokenized assets and CBDCs if Ripple receives full banking status.
Ripple strives to become a licensed financial institution, which represents a big change compared to his previous focus on cross -border transfers. According to analysts, the company’s striving for a banking license will enable him to work directly with central banks, to output stable coins under official supervision and to offer a wide range of custody and handling services.
A banking license would enable ripple to act on regulated financial markets without relying on intermediaries. This would give the company the legal authority to keep assets, offer credit services and to handle Fiat crypto shops over a single licensed area.
(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
Such access could simplify the interaction between traditional institutions and emerging blockchain-based systems, including digital central bank currencies (CBDCs), tokenized securities and stable coins.
Analysts note that Ripple with banking status could establish a direct connection to real-time gross billing systems of national central banks. According to the CNF report is this access Currently licensed banks reserved, which restricts the role that non-banking fintech companies can play in systemic financial processes.
By eliminating this barrier, Ripple could enable regulated transactions via Fiat and digital networks and thus support financial markets that are increasingly relying on token-based instruments and distributed LEDGER technology.
Strategic expansion through acquisitions and partnerships
Ripple has already taken steps to support a transition to banking transactions. In 2023, Ripple Metaco acquired a platform for the custody of digital assets that are often used by banks and financial institutions. The purchase gave Ripple storage capacities of institutional quality, a key component of the infrastructure of every bank, which deals with tokenized assets or cryptocurrencies.
It is also reported that Ripple has shown interest in taking over Circle, the issuer of the USDC stable. Although this is not confirmed, such a step Ripple would give a significant leverage in the StableCoin ecosystem.
In addition to the acquisitions, Ripple participates in various pilot programs associated with the development of digital currencies. Bhutan, Palau and Montenegro work with the company to explore the possible uses for CBDC. These initiatives are an indication that Ripple is willing to support both public digital currencies and private token systems and to meet the changing regulations and the needs of the central banks.
The regulatory positioning of Ripple has also changed according to the partial legal victory in the case of the US Securities and Exchange Commission (SEC). Although the case has not yet been completed, the judgment has clarified the classification of XRP, which means that Ripple can act more confidently in regulated environments.
The potential role of XRP as a global settlement bridge
When Ripple becomes a licensed bank, XRP could be the liquidity medium that connects tokenized markets worldwide. Market analysts suspect that the reason is that neutral assets are necessary in every regulated financial system in order to transmit values across borders and between blockchain networks. If the use of the assets by institutions and central banks as a bridge creates demand and not through speculation in retail, XRP could take on this role.
However, XRP would define this as part of a larger financial infrastructure. It would no longer just be a crypto asset, but a necessary instrument in the paradigm of the future financial world. Real estate, stocks and public digital currencies, all token, need a processing mechanism that XRP could provide, supported by a handling infrastructure with the supervision of a fully licensed ledger of a bank.
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