A recent tweet by crypto analyst and investor Xaif drew attention to a video outlining what could become one of Ripple’s most consequential developments to date. It’s its potential evolution into a full‑fledged banking entity.
While Xaif’s post briefly mentioned the end of banking reliance on SWIFT and the growing influence of Ripple’s technology through ISO 20022 integration, the real focus lies in the accompanying video.
The speaker in the clip presented a detailed breakdown of how Ripple’s integration with government systems and stablecoin reserves could redefine institutional payments, create new liquidity pathways, and accelerate the global use of XRP.
The speaker began by explaining that Ripple may soon be able to hold stablecoins, particularly RLUSD, as reserves with the U.S. Treasury. This, according to them, would represent a major shift in how Ripple operates, moving it closer to functioning as a government‑connected institution.
He described this development as a direct integration between Ripple, RLUSD, and U.S. financial infrastructure, a move that could significantly enhance liquidity and performance across the Ripple ecosystem. The immediate effect, they argued, would be greater efficiency, higher transaction volumes, and an increase in XRP’s market demand.
Banks don’t need SWIFT anymore the future is Ripple + $XRP.
With ISO 20022 integration, XRP can settle massive transactions instantly
Now you know why SWIFT is rushing to adopt blockchain tech they see what’s coming, and it’s called
RIPPLE NATIONAL TRUST BANK
pic.twitter.com/wVwEJX3bzr
— Xaif Crypto
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(@Xaif_Crypto) October 5, 2025
The Start of the “Utility Phase”
Throughout the video, the speaker emphasized that these integrations mark the beginning of the “utility phase” for XRP.
They suggested that the current phase of speculative growth could soon give way to one defined by real‑world utility, where Ripple’s banking status, once formalized and approved by the SEC, would establish XRP as the foundation of global transaction systems.
According to their explanation, Ripple’s potential status as a bank would allow it to conduct transactions directly with governmental bodies, bypassing the need for the SWIFT network entirely.
With ISO 20022 as the new communication standard, Ripple’s technology could seamlessly manage settlements using XRP, enabling near‑instant global payments at minimal cost.
The speaker described this as the turning point for the digital asset, asserting that once Ripple secures official banking approval, the landscape of cross‑border transactions would fundamentally change.
Transaction Efficiency and Cost Advantage
A key part of the video focused on the practical cost difference between the traditional financial system and Ripple’s technology. The speaker shared a clear comparison: a $1 million transaction through existing banking channels could cost around $1 000 in fees, while the same transaction processed via Ripple’s network could cost less than $10.
Even if Ripple applied its own fee margin, the overall cost to users might still total around $200 — far below the existing standard.
They argued that this level of efficiency would not only make Ripple’s system more appealing to financial institutions but also enhance customer satisfaction through faster, cheaper, and more reliable payment processing.
In their view, this advantage could quickly attract attention from banks worldwide once the technology’s profitability becomes evident. As more institutions recognize that they can reduce operational costs while improving service delivery, Ripple’s solutions could become a preferred alternative to the current SWIFT framework.
Industry Impact and Competitive Dynamics
The speaker concluded by highlighting that Ripple’s transformation into a banking entity would not simply be an internal milestone but a broader shift in the financial industry.
By offering a faster and more cost‑effective global settlement mechanism, Ripple could expose inefficiencies in legacy systems and force competitors to adapt or risk obsolescence.
The integration of ISO 20022 compatibility, XRP liquidity, and RLUSD reserves, they suggested, would place Ripple at the center of an emerging financial infrastructure designed for the digital age.
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