Ripple Is Moving Like a Bank: Expert Says Make Your XRP Bag Ready for What’s Coming

Crypto enthusiast X Finance Bull recently drew attention to Ripple’s positioning as a digital neo-bank, noting the company’s ongoing expansion and infrastructure development.

The post highlights that Ripple is now operating with many of the features of a bank—specifically a neo-bank—without holding a traditional banking license. The statement underscores Ripple’s global reach, now extending to over 55 countries, with real-time payment infrastructure and stablecoin functionality already active.

According to X Finance Bull, the agility demonstrated by Ripple stands in contrast to the slower adaptability of traditional financial institutions. The tweet ends with a pointed rhetorical question directed at XRP holders: “Is your $XRP bag ready for what’s coming?”

An attached infographic further supports this claim, showing Ripple listed on The Financial Brand’s Neobank Tracker as a recognized digital neo-bank. The listing is based on the financial services Ripple provides, such as digital payments, liquidity provision, and stablecoin infrastructure, rather than any banking charter. As explained in the graphic, this designation is tied to service capabilities rather than formal licensing.

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Ripple’s Financial Services Model

The digital banking services offered by Ripple are centered around its On-Demand Liquidity (ODL) product and the RippleNet network, which facilitate efficient cross-border transactions. Ripple’s infrastructure also supports RLUSD, its recently launched U.S. dollar-backed stablecoin designed for on-chain settlement.

These tools enable financial institutions to manage global payments with improved speed and reduced friction. The scope of Ripple’s presence—spanning over 55 countries—emphasizes its ambition to serve as a borderless settlement layer.

Regulatory Positioning and International Reach

The attached material also details Ripple’s regulatory standing, noting that it holds money transmitter licenses in several U.S. states. Additionally, it is actively building regulatory credentials across Europe and the Asia-Pacific region.

There is speculation that Ripple may eventually seek full national bank status, though no formal announcement to that effect has been made. These developments align with the company’s broader ambition to provide compliant, scalable solutions that mirror or exceed traditional banking functions without assuming the legal responsibilities of a chartered bank.

Innovation, Inclusion, and Scalability

The infographic outlines several key areas in which Ripple is impacting the financial landscape. Ripple is described as using blockchain technology to deliver secure, real-time services that differ from legacy systems.

It is also credited with expanding financial inclusion by making cross-border payments more accessible to underserved markets. The platform’s scalability is highlighted as another advantage, with its infrastructure supporting extensive operations while maintaining efficiency.

X Finance Bull’s post and the accompanying graphic portray Ripple as an entity that has grown beyond its role as a blockchain payments company into a full-featured digital financial services provider. The combination of regulatory credentials, global reach, and service offerings that include real-time settlements and stablecoin flows positions Ripple in a category with established neo-banks.

By offering services traditionally associated with banks, without seeking a charter, Ripple’s model may represent a blueprint for future blockchain-based financial platforms. As conversations around XRP’s utility and Ripple’s evolution continue, the focus is likely to remain on how effectively the firm can bridge legacy systems with blockchain infrastructure.

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.*