Ripple CEO Brad Garlinghouse has made a bold statement, emphasizing Ripple’s unique position in the blockchain and crypto ecosystem. “When I zoom out… we are incredibly fortunate to be the only company with real customers solving real problems,” he said. With Ripple targeting the global cross-border payments market, a multi-trillion-dollar industry, XRP is emerging as a powerful solution to real-world inefficiencies in finance. As regulatory clarity improves and adoption grows, XRP could soon become the backbone of international value transfer. Big moves ahead for Ripple and even bigger implications for the global banking system.

Ripple is making history by seeking a U.S. banking charter and a Federal Reserve master account—potentially becoming the first crypto-native bank. This move would allow Ripple to hold reserves directly with the Fed, offer FDIC-insured deposits up to $250K, and provide lending services using XRP and other crypto assets as collateral. With integrated cross-border remittance capabilities and on-chain financial services, Ripple is poised to disrupt traditional banking from within. If approved, this marks the beginning of a new financial era. 2025 to 2026 could be remembered as the years when the century-old banking system began to crumble.