One crypto investor expressed genuine concerns: $XRP this week. Ripple’s CTO answered in one word.
Mason Versluis articulated this question: Ripple holds $34 billion. $XRP token. If a global bank adopts $XRP And if the price reaches the level expected by the community, Ripple will become the most valuable financial institution on the planet. Will banks really agree to make it happen after conducting thorough due diligence on crypto assets?
Ripple CTO David Schwartz was unfazed by this logic.
His answer is: “Yeah, this makes business sense for us and would benefit us. But it also benefits other companies, so we don’t want to do it.”
The meaning is simple. Banks don’t reject profitable infrastructure just because the vendor makes a profit.
Do banks actually care about Ripple? $XRP Holdings?
Mr. Schwartz won the argument. But a clearer picture comes from what banks are actually doing with Ripple’s infrastructure right now.
Banks that adopted Ripple’s infrastructure in early 2026, such as Deutsche Bank and Société Générale, are settling in now. $RLUSD and rather fiat currency $XRP – According to analysts tracking the consolidation. At least 30 of the 50+ banks in SWIFT’s new retail payments framework have already partnered with Ripple, but most use RippleNet only for messaging and not RippleNet. $XRP You can touch the payment flow at any time.
Ripple Treasury processed $13 trillion in payments last year, with zero percent going through cryptocurrency rails.
There is a $13 trillion gap between Ripple’s success and success. $XRP request
Ripple will win whether banks choose or not $XRP or $RLUSD. $XRP Holders can only benefit if banks switch from messaging to on-demand liquidity services. $XRP It is actually needed as a bridge asset. Across RippleNet, approximately 40% of connected banks use ODL. This means 60% is on the rails without touching the token.
The CLARITY Act is the variable that changes that equation. if $XRP Once formally classified as a digital product under U.S. federal law, banks will have a clear compliance path to deploy ODL at scale.
Until the bill is passed, $RLUSD It’s an easier choice for institutions that manage multibillion-dollar financial operations.
Ripple’s National Bank Charter and its meaning $XRP today
Ripple’s National Trust Bank Charter went into effect on April 1 after the OCC finalized the rules. Yesterday, Ripple launched digital asset accounts and integrated finance. $XRP and $RLUSD For the first time, it’s built inside corporate financial management, allowing CFOs to manage digital assets and fiat currencies in a single interface.
$XRP is currently trading at $1.30, down 3.86% in the past 24 hours, giving it a market cap of $79.86 billion.
Mr. Schwartz won the Twitter exchange. Whether or not $XRP win the adoption race with $RLUSD This is a question that the CLARITY Act does not yet answer.
