RIPPLE JUST MOVED INTO THE WORLD FINANCIAL SYSTEM... (XRP WON)

Added: 2026-05-15

[00:00:00]The last 72 hours have been absolutely stacked with developments that the mainstream financial world they barely touched. Ripple they just secured an EU wide payment authority across all 27 countries. A pilot between Ripple, JP Morgan, MasterCard and Andor Finance it's just completed connecting the XRP ledger directly to interbank settlement systems. And on top of all that the old coin volume ratio it's quietly starting to look a whole lot lot like it did before the 2021 explosion. Folks, we're breaking it all down. You're going to want to stick around till the end as always. Hey, do me a favor. Hit that like and subscribe. I appreciate each and every single one of you. But let's kick it off with the foundation because this is where the story begins. This is where the story tells us where we're going and how everything else plugs directly into it. I've been following Fortex for quite some time and what I like is that they continue to move towards greater transparency and security. Their platform is designed for long-term holders who want to put assets like XRP to work through liquidity pools and simply instead of keeping them idle.

[00:01:18]Over the past months the team has completed audits with CertiK and Cyberscope and they made the company publicly visible through SEC Edgar filings and recently they launched a 50,000 CertiK bug bounty program so independent security researchers can test the platform. They clearly keep investing in security and transparency which is exactly what you want to see from a project folks. If you've been holding XRP for the long-term and you want to learn more check out the link.

[00:01:52]So Ripple, they are outlining a future and you can see the document on your screen where the XRP ledger becomes that institutional settlement infrastructure.

[00:02:01]And the key narrative here, it has shifted, right? This is not just payments anymore. We're talking about net settlement, prime brokerage, capital efficiency, reduced counterparty risk.

[00:02:15]And on top of that all, you get faster institutional liquidity movement. Now, Ripple's own paper, exactly what you see on your screen, directly from Ripple.

[00:02:25]This directly compares your digital asset markets right now to where the FX markets were in the late 1990s. And you remember what happened? Right before the explosion of your electronic trading and global currency settlement infrastructure. And one line stands out in this paper. Ripple uses the phrase leveraging the XRP blockchain. This is the type of language that institutions use when they're actually building out and not just speculating on it. this isn't just talk. Think about it. The XRP ledger, it has compliance grade tools live on mainnet. It has permission domains. It has credential based access for your KYC'd institutions. And you got the multi-purpose token, which is going to be used for your tokenized bonds and treasuries. And a lending protocol on the way that will allow fixed term underwritten loans directly on the XRP ledger. Let's not forget about Evernorth. That's a major institutional participant. They've already announced their plans to use the XRP ledger's lending protocol as a core pillar of their digital asset strategy. Their chief business officer described it as a potential multi-billion dollar annual yield opportunity for the XRP community.

[00:03:45]That's me and you. This is the type of infrastructure conversation that institutions have before your real adoption starts to scale. AKA, we're early. Now, as we move over, this is the headline that should be the front page of the news. And this is not getting nearly enough attention. The CSF in Luxembourg, this is one of Europe's most respected financial regulators. They have officially officially confirmed that Ripple's Payments Europe SA is one of the only 14 one of the only 14, folks. Let that sink in. Active electronic money institutions in the entire freaking country. And here's why that number is matters. Luxembourg's EMI status, if you didn't know, it comes with full EU passport rights. That means that Ripple is now legally authorized to operate operate across all 27 European Union member countries, all under one single license. We're talking about access to a 116 trillion dollar non-cash payment market.

[00:04:52]116 trillion dollars. How much does the DTCC do? And now we got 116 trillion coming in from the EU. It's going to get real quick.

[00:05:02]>> I'm Cassie Craddock, VP and Managing Director [music] of the UK and Europe at Ripple. And I'm thrilled to announce that we've been granted our license to bring our crypto-enabled cross-border payment solution [music] to the European Union. European customers can now access real-time settlement, global on and off-ramps, [music] and last-mile payouts. And it's all managed end-to-end using Ripple's market-leading digital asset technology. The region is striding into the future of digital finance, and Ripple is here to power it.

[00:05:28]>> [music] >> Absolutely massive folks. So, we went over to Clod. We wanted Clod to really break this down for us, okay? Check this out. Under the bigger regulatory picture, this is very very very important. So, Ripple has now joined Coinbase and DTCPay as the only crypto-native companies to receive this approval. And this comes alongside Ripple also securing a full FCA license in the UK, bringing their total global regulatory portfolio to more than 75 licenses worldwide. Their cross-border payment solution, it already does over 95 billion dollars in transaction volume. Did you know that? And the valuation contacts matters here as well.

[00:06:09]Remember, Ripple was valued at 40 billion dollars after they had that 500 million dollar funding round, which was led by Fortress Investment Group, Citadel Securities, Pantera Capital, Galaxy Digital, Brevan Howard, and Marshall Wace. Those aren't retail names. You probably don't recognize some of them. Maybe you do. Those are the most sophisticated institutional investors in global finance, hands down.

[00:06:35]They don't write 500 million dollar checks on speculation. Now, I want you to layer this piece in on top of everything we've just covered because Ripple infrastructure, it's already connected to Nexa and Siya networks, one of the largest payment processors in Europe. They serve more than 1,000 partner banks and financial institutions across the continent. Here is the macro tailwind that is sitting underneath all of this. European instant payment volumes, they're expected to surge 50% of all transactions by the end of this year. That's not my target. That's the target from the European Central Bank.

[00:07:15]This is policy-driven volume growth.

[00:07:18]Now, you got Ripple with its EU passport rights, its on-demand liquidity rails, and its ODL USD stable coins, it's sitting directly in the path of that wave. That regulatory approval just granted, that's not a trophy. It is a license, a license to operate at scale across the most heavily regulated financial market in the world. So, how does XRP play into all this? You know, I'm glad you asked because Dan Morgan, former head of Ripple of relationships for Europe, he broke it down as clearly as anyone ever had. A payment will enter US dollars, XRP bridges it in seconds, it exists as Mexican pesos on the other side. No pre-funded nostro accounts, you have no correspondent banking delays, and you got no capital sitting idle overnight. That is on-demand liquidity.

[00:08:10]That is ODL in action, folks. Listen up.

[00:08:13]>> a movement of XRP. So, in this instance, it would be USD to XRP at the home exchange, a movement of XRP across the ledger to the beneficiary exchange, and XRP to Mexican peso. The final payout could be over local rails, a direct relationship into digital wallets. On top of that, there's a messaging and settlement layer which includes the Ripple payment object which includes all the information you'd get in a cross-border payment, KYC for instance, settlement finality, any other legal issues you may have. A movement of XRP.

[00:08:42]So, in this instance, I want you to fast forward to today, right? RLUSD, Ripple stablecoin. It's complimentary in this picture. Stablecoin for stable corridor payments where you want price certainty.

[00:08:53]XRP or the bridging and settlement layer where speed and liquidity death matter most. These two assets, even though Twitter wants you to believe that they're fighting with each other, they're not. They complement each other.

[00:09:06]They are designed to function together to complete the end-to-end payment system. You need a stablecoin on and off as the on and off ramps, and you need XRP to go through the middle. Look, the Bank of Japan is not going to want to hold a stablecoin that's dominated in USD. They're going to want to hold a stop a stablecoin that's dominated in their currency. The same for Mexico, the same for Thailand, Singapore, Brazil, you name it. And with the EU passporting that live, that system, it now has 27 new countries to operate in. And as if all of that wasn't enough, let's talk about what just went down cuz it's massive. We covered it before, we're going to cover it again, that's how big it is. And oh, JP Morgan, MasterCard, and Ripple, they have successfully completed and showed the world, which is the important part, that pilot connecting the XRP ledger directly to the interbank settlement system for tokenized US Treasuries. That pilot enables near real-time settlement across borders and banking systems, even outside of your traditional banking hours. The tokenized US Treasury market, do you know it's currently sitting at $15 billion in total value as of May of this year? And do you know it's starting to accelerate fast? Did you ever think we would see the day where JP Morgan, MasterCard, and Ando were all running pilots on the XRP ledger? That's how far we have come. This is proof of concept that the XRP ledger can interface with the highest level of legacy interbank infrastructure. This is not a partnership announcement or a press release. This is a completed pilot with real results. The infrastructure layer, folks, it's being built right in front of us. This is getting exciting and this is about to heat up fast. Look, here's everything we just covered. Ripple just unlocked all 27 EU countries through Luxembourg's EM passporting. They're connected to over a thousand European banks through Nexi. JP Morgan and MasterCard, they just completed a pilot on the XRP ledger. The institutional DeFi infrastructure, it's coming live.

[00:11:07]We got all coin momentum, which we haven't even touched on yet, we'll save it for next video, which is quietly rebuilding in the charts. All the pieces are moving into place. Whether you are watching this as someone deep in the ecosystem or just someone who is now starting to pay attention, this is the story to follow. Follow the institutions, follow the large money.

[00:11:29]Forget what the retail's doing, you need to follow the big boys. I want you to drop a comment down below. Tell me which of these stories you think is the most significant and like and subscribe if this brought value cuz it helps this channel more than you actually know. As always, none of it's financial advice.

[00:11:44]This is me taking the news that is all sourced and documented as shown on your screen and giving you my perspective as to what I see coming. I've been in this ecosystem for a freaking decade, folks.

[00:11:55]It is getting big. It is getting spicy.

[00:11:58]I'm excited for the future. You should be as well. As always, I'll see all y'all on the next one.