U.S. banks are fully investing in XRP! Ripple President: Institutional gateway opens this year.

Ripple President Monica Long revealed that CEOs of major financial institutions, including banks in the United States, have expressed their "full commitment". After years of regulatory deadlock, the institutional adoption of XRP will open its gates in 2025, reigniting investor confidence.

The attitude of institutions like Bank of America has changed 180 degrees

(Source: X)

Ripple President Monica Long, in an interview with cryptocurrency influencer Xaif, disclosed a historic shift in the attitudes of major financial institutions towards blockchain technology. She stated clearly, "It feels like the gate is about to open this year." This statement quickly sparked lively discussions within the XRP investor community.

Long pointed out that financial institutions like American banks that established partnerships during Ripple's initial payment solution phase are now showing unprecedented enthusiasm for the adoption of XRP. This shift in attitude stands in stark contrast to the regulatory uncertainty of the past few years—during which many banks kept their distance from digital assets out of concern for compliance risks, and even displayed hostility.

Long recalled that the lack of regulatory transparency over the past few years has created an extremely difficult environment for innovation and collaboration. The five-year legal stalemate between Ripple and the U.S. Securities and Exchange Commission (SEC) has had a chilling effect on the entire industry, leading many U.S. financial institutions to suspend or cancel digital asset-related projects.

However, this period of hesitation is being replaced by new momentum. Long quoted the latest statements from bank executives: "You will hear CEOs from companies like American Bank say, we are fully committed." This statement not only represents the decisions of individual institutions but also symbolizes a systematic return of the entire traditional financial system's confidence in XRP and blockchain technology.

The Confidence Return Behind "Full Commitment"

The CEO of Bank of America’s statement of "full commitment" carries multiple meanings. As the second largest bank in the United States, Bank of America has assets exceeding $3 trillion and serves over 67 million customers. A public endorsement of XRP from an institution of this size provides a "safe signal" for other financial institutions that are still on the sidelines.

More importantly, American banks began collaborating with Ripple as early as 2016 to test cross-border payment technologies, possessing deep technical understanding and practical experience. This "re-investment" is not a blind follow-up but a strategic choice based on years of technological validation.

Long's interview indicates that it is not just one financial institution in the United States that is changing its attitude. Several global banks that maintain partnerships with Ripple are restarting in-depth discussions regarding reserve banking services, transaction infrastructure, and stablecoin businesses. This collective shift in attitude suggests that 2025 could become a watershed year for XRP institutional adoption.

Policy Shift and ETF Expectations Drive Institutional Participation

· A Sudden Turnaround in the Regulatory Environment

Long connects the drastic shift in institutional attitudes to the political environment in the United States. She revealed that after the U.S. presidential election, conversations with banks underwent a significant change "overnight." The election results influenced the market's expectations for future financial policies and regulatory directions, and this change in expectations was immediately reflected in institutional actions.

Specifically, the relatively friendly attitude of the Trump administration towards cryptocurrencies, as well as the anticipated personnel changes in the SEC leadership, have provided a release valve for long-suppressed institutional demand. Many banks have completed their technical preparations and internal compliance frameworks over the past few years, and are just waiting for signals of policy clarification—signals that have now emerged.

· The Catalytic Potential of BlackRock XRP ETF

Cryptocurrency influencer Xaif specifically mentioned during a shared interview that once BlackRock announces the launch of the XRP Exchange-Traded Fund (ETF), it could trigger explosive growth in institutional participation. Although neither BlackRock nor Ripple has confirmed the related plans, this speculation has sparked widespread discussion within the community.

As the world's largest asset management company, BlackRock manages assets exceeding $10 trillion. After successfully launching a Bitcoin spot ETF in 2024, its IBIT product quickly became the Bitcoin ETF with the largest inflow of capital. If BlackRock replicates this model to launch an XRP ETF, it will bring the following to XRP:

Compliance Endorsement: BlackRock's participation amounts to an implicit confirmation of XRP's non-security status.

Institutional Grade Liquidity: Traditional institutions such as pension funds and insurance companies can allocate XRP through familiar ETF channels.

Price Discovery Efficiency: A regulated secondary market will enhance the pricing transparency of XRP.

Retail Investors Enter: Investing in XRP through brokerage accounts significantly lowers the participation threshold.

The market generally believes that if the XRP ETF is approved in 2025, it may replicate the price trend after the launch of the Bitcoin ETF - that is, entering a sustained upward channel after short-term volatility.

XRP strengthens its position as a bridge in traditional finance

The core of Long's interview emphasizes the unique position of XRP between traditional finance and blockchain systems. Unlike the "digital gold" narrative of Bitcoin or the "smart contract platform" positioning of Ethereum, XRP was designed from the beginning to meet the cross-border payment needs of financial institutions.

· Technical Advantages of Payment Infrastructure

Ripple's RippleNet network is currently connected to over 300 Financial Institutions, covering more than 40 countries. XRP acts as a "bridge currency" in this network, enabling real-time conversion and settlement between different fiat currencies. Compared to the traditional SWIFT system, which requires 3-5 business days for cross-border transfers, XRP's settlement time is only 3-5 seconds, reducing transaction costs by 40-70%.

Long mentioned that long-term partners are re-engaging in discussions regarding stablecoin infrastructure. The RLUSD stablecoin launched by Ripple complements XRP to form an ecosystem: RLUSD provides dollar stability, while XRP offers cross-chain liquidity. This combination is highly attractive to financial institutions that need to handle both fiat settlement and cross-border transfers.

· The Domino Effect Adopted by Institutions

Once leading institutions such as American banks start to adopt XRP on a large scale, it will trigger a domino effect within the industry. The banking sector has a clear "follower effect"; once industry leaders validate the feasibility and compliance of a certain technology, small and medium-sized institutions will quickly follow suit to avoid competitive disadvantages.

Ripple currently has a large number of banking clients in the Asia-Pacific, Middle East, and Latin America regions, and a breakthrough in the U.S. market will complete the last piece of the puzzle. Long's optimistic expectations are not unfounded, but are based on strategic judgments founded on concrete business dialogues and cooperation progress.

XRP Today's News: The Era of Institutions Officially Begins

The latest statement from the president of Ripple marks a key turning point for XRP from "regulatory shadows" to "institutional embrace." The "full commitment" from the CEO of a major American bank not only recognizes the technology of XRP but also affirms the maturity of the entire digital asset industry. As more banks restart collaborations, ETF applications progress, and the stablecoin ecosystem improves, XRP is realizing its long-term vision as the "preferred digital asset for financial institutions."