Here's Why Wall Street Is Terrified of XRP

A powerful shift is unfolding within global finance, and at the heart of it lies XRP, no longer viewed as a speculative token but as the foundation of a new financial system. According to X user Pumpius, a respected voice in the digital asset space, Wall Street’s dismissive attitude toward XRP has turned to fear.

Not because of hype or headlines, but because XRP is becoming something Wall Street can’t control: the core settlement layer of a decentralized, programmable, and instant-value economy.

XRP Was Built for Banks, Not Memes

Pumpius emphasizes that XRP was never designed for retail speculation. It’s not a meme coin. It wasn’t built for viral marketing or community hype. It was engineered from the start as a liquidity protocol, one capable of moving trillions of dollars across borders instantly, without intermediaries. Its true purpose is to serve as infrastructure for the next generation of global finance, where money flows as quickly and efficiently as data.

Retail interest was incidental. The real mission was always institutional. Now, that design is coming to life, and traditional financial institutions are taking notice, some with curiosity, others with concern.

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Ripple Is Becoming a Bank

One of the most disruptive developments, as highlighted by Pumpius, is Ripple’s application for a U.S. national banking charter. This isn’t a minor regulatory step; it’s a seismic shift. If approved, it would give Ripple direct access to the Federal Reserve’s master accounts, top-tier clearing systems, and full-scale banking capabilities. Ripple would no longer be a tech company working with banks. It would become the bank.

Layered on top of this is RLUSD, Ripple’s stablecoin, backed by reserves reportedly held at the Fed. RLUSD isn’t just another dollar-pegged token; it’s a key piece of the infrastructure Ripple is building to enable always-on, cross-border settlement between fiat and digital assets, all while remaining regulatory-compliant.

This Isn’t Competition, It’s Coordination

Ripple isn’t the only one pursuing this path. Circle, the issuer of USDC, is also applying for a bank charter. But as Pumpius notes, this isn’t a competitive battle, it’s coordinated evolution. Both firms are laying down the rails of a new financial system built on ISO 20022-compatible blockchains, like the XRP Ledger, that will replace SWIFT and legacy clearing systems.

In this model, tokenized money flows instantly, without middlemen, correspondent banking fees, or delays. It’s compliant, programmable, and built for scale. And at the center of it all is XRP, the universal bridge asset that connects it all.

A System They Can’t Control

Wall Street’s fear is rooted in one simple fact: they no longer control the system. They dismissed Ripple as a startup. They expected the SEC lawsuit to bury XRP. But Ripple survived and thrived. The 2023 court ruling confirmed that XRP sales on secondary markets are not securities, giving Ripple the regulatory clarity it needed to expand.

Now, Ripple is building the new infrastructure—issuing stablecoins, becoming a regulated bank, and deploying technology that bypasses every legacy choke point. XRP is quietly becoming the settlement engine of a tokenized economy, one that renders old systems obsolete.

This isn’t just a company winning. It’s a new system rising, with XRP at its core. And that’s what Wall Street is terrified of.

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 urged to do in-depth 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.*