Let’s learn about Ripple and the FED...

#What is "Fed 2.0"?

The term "Fed 2.0" is not official, but in social media and crypto communities, it is used to speculate about Ripple and XRP assuming a central role in a modernized financial system, potentially integrating blockchain into the operations of the Federal Reserve. Some posts on X suggest that Ripple could act as a "third party" to which the Fed delegates certain settlement functions, or even that XRP could provide global liquidity in a digitized financial system. For example, a user mentioned that 25% of financial institutions were awaiting the deployment of FedNow to finalize real-time payment strategies with Ripple.

However, these claims are speculative and are not backed by official evidence that Ripple will replace the Federal Reserve. The Fed has clarified that FedNow is not a central bank digital currency (CBDC), but a payment system, and Ripple is merely a participant in its development, not a substitute.

Centralization of XRP: Unlike blockchains like Ethereum, Ripple is more centralized. When the XRP Ledger was created, 100 billion XRP were mined, of which 80 billion were granted to Ripple Labs, leading to criticism for its control over the currency $XRP

Price of XRP: On July 11, 2025, the price of XRP was $2.64, with a trading volume of $5.91 billion in 24 hours, reflecting market interest amid these speculations.

Conclusion

Ripple collaborates with the Federal Reserve on the FedNow system, integrating its blockchain technology and XRP to enhance real-time payments, but there is no solid evidence that it is a "Fed 2.0" or that it will replace the Federal Reserve. Speculations on X reflect enthusiasm in the crypto community but lack official backing. If you are looking for more specific information about Ripple, XRP, or its relationship with the Fed, I can delve deeper into any aspect or analyze additional sources. Are you interested in something in particular?