Big banks are shaking — because $XRP isn’t just disrupting the system… it’s replacing it.👇👇
In July 2025, Ripple went all in: ✅ Filed for a U.S. national bank charter
✅ Applied for a Federal Reserve master account
If approved, this gives Ripple: 💥 Direct access to FedWire
💥 Full-blown bank status
💥 Power to issue stablecoins like RLUSD
The response from Wall Street? Full-on panic mode.
ENTER: The Bank Policy Institute (BPI) 🏦🔥
A lobbying group backed by 42 of the biggest U.S. banks ran straight to the regulators, screaming:
❌ “Deny Ripple’s application!”
❌ “It’s too risky!”
❌ “There are fiduciary concerns!”
But let’s cut through the noise — it’s not about risk.
It’s about power.
WHY BANKS ARE LOSING IT 😨
Ripple and $XRP together are a nuke to the outdated financial system: ⚡ Instant transfers — no SWIFT
⚡ No Nostro/Vostro accounts
⚡ No 3–5 day wire delays
⚡ No massive remittance fees
XRP-powered payments = near-zero cost, instant global liquidity.
The old model? Dead on arrival.
Ripple’s vision is clear:
🔹 XRP = liquidity layer
🔹 RLUSD = stable settlement currency
🔹 No banks. No middlemen. Just speed.
And that’s the real threat — banks don’t just lose profit, they lose purpose.