A quiet revolution is unfolding across global finance. Traditional banking systems are facing disruption as digital assets redefine the transfer of value. Ripple, long recognized for its innovation in cross-border payments, now stands at the heart of this transformation.
The company’s philosophy, first articulated years ago by its co-founder Chris Larsen, is gaining renewed traction as real-world adoption accelerates.
The Internet of Value Vision
In a resurfaced Davos interview shared by Versan Aljarrah, founder of Black Swan Capitalist, Chris Larsen described the foundation of Ripple’s vision. He said, “We now have this internet of value. We’re moving into a world where value, money, and payments move like information already does on the Internet.”
That statement, made in 2016, captures a vision that is now materializing. Larsen noted that the global financial system has long been “siloed,” with payment networks that “don’t talk to each other.”
This fragmentation, he explained, causes inefficiency for everyone; “from the poorest working-class consumer to the biggest global corporation.” Ripple’s mission has been to bridge these divides using blockchain technology, and XRP is the neutral asset enabling that bridge.
Ripple is the blueprint for replacing the Fed and legacy central banks. $XRP holders will participate in the new banking ecosystem.
Get on board or stay trapped under the corrupt system that wants to control you forever.
Ripple’s Expanding Role in Global Banking
In 2025, that early vision is closer than ever. Ripple’s application for a U.S. national trust bank charter represents a historic step. Approval would allow Ripple to operate as a fully regulated financial institution, integrating digital assets like XRP into mainstream banking infrastructure.
Meanwhile, the Federal Reserve’s “skinny master account” proposal could open payment rail access to fintechs such as Ripple. This would allow firms to settle transactions directly through the Fed — bypassing traditional intermediaries. If approved, it would put Ripple on par with established banks in terms of financial connectivity.
Institutional Integration and XRP Utility
Ripple’s ecosystem is also deepening through partnerships and institutional moves. Evernorth, a digital treasury firm with close ties to Ripple, recently announced plans to hold significant XRP reserves. The company aims to manage a corporate treasury anchored by XRP and pursue a potential public offering.
Such developments strengthen XRP’s position as a liquidity instrument and a settlement bridge. Institutional participation could reduce available supply, increase liquidity depth, and solidify XRP’s role in future cross-border and domestic payments.
Toward a New Financial Architecture
Larsen’s Davos remarks envisioned a world where “value moves instantly, basically for free, as a free infrastructure.” He foresaw an economy where digital assets power “billions of new economic participants,” from self-driving cars to microservice providers across Africa and Asia.
That prediction aligns with today’s rapid convergence of blockchain, artificial intelligence, and the Internet of Things.
As Versan Aljarrah observed in his X post, this evolution could mark the replacement of legacy central banks and the Federal Reserve system. XRP holders, therefore, stand not as passive investors but as participants in a new, decentralized financial network.
The foundation has been laid. The rails are being built. The internet of value that Larsen once described is no longer a theory — it is becoming the framework for a new global economy.