Over the years, Ripple and his native XRP token have resisted waves of skepticism, controversy and legal battles. But as 2025 takes place, an increasing number of experts, financial initiates and crypto enthusiasts are starting to ask a serious question: XRP becomes “bitcoin for banks” – fundamental digital assets for the future of global finance?
For many in cryptographic space, Ripple has long been a polarizing subject. Critics often cite the events of 2017, when a pain of painted disinformation has been centralized, too much business and anti-Crypto. The allegations of excessive control, the fears of the pre-minion of XRP and speculation on its status of skepticism fueled by the security which persists with certain investors even today.
But many of these stories have since been demystified or refuted. XRP is not infinitely struck, it is burned with each transaction, and Ripple has established real partnerships with dozens of governments, central banks and financial institutions.
A change of institutional feeling
In addition to its institutional partnerships, XRP has also drawn the attention of investment companies and market regulators. In a recent cryptography market update, it has been revealed that more than 17 different investment products are currently awaiting regulatory approval – an indicator of increasing institutional interest.
Meanwhile, the financial powers like Blackrock and the platforms focused on tokenization such as Ono Finance work alongside Ripple to build tokenized versions of traditional titles and other active people from the real world. This collaborative dynamic highlights the way tokenization is ready to reshape not only crypto, but wider financial markets.
Could XRP really become the financial basis for banks?
Insiders of the industry and former American financial officials have publicly entertained the possibility that XRP is used as a base layer for the American national banking system or as part of a CBDC initiative. Although official decisions are not yet made, the discussion itself marks a passage from the undulation of hostility formerly confronted.
The Bank of International Establishments (BIS) – often described as the “central bank of central banks” – has already collaborated with Ripple on CBDC projects and instant settlement solutions, signaling the viability of the token worldwide.
