Ripple and XRP Are Under Attack: Why 42 U.S. Banks Just Tried to Block Ripple

Something big is happening in the world of finance—and Ripple is right at the center of it. This week, news broke that 42 U.S. banks have moved to block Ripple’s application for a banking license. This isn’t just a coincidence. It’s not routine red tape. It’s a direct response to a threat—a threat to the old system that has controlled global finance for decades.

What’s at stake here isn’t just Ripple’s future—it’s the future of money. And the panic from traditional banking institutions proves it.

Ripple’s banking license would unlock direct access to the Federal Reserve, bypassing the legacy middlemen on Wall Street. That means Ripple could offer real-time dollar settlement via its RLUSD stablecoin, moving money faster, cheaper, and with more transparency than anything the traditional system can offer. And at the center of that system? XRP.

When you understand how this all connects, the picture becomes clear: Ripple isn’t just building a fintech company—they’re building the plumbing for a new financial system.

To make matters even more interesting, CME Group, one of the most powerful financial institutions on the planet, just published a comparison that should have dominated headlines across the crypto space. Their report states that XRP is 500 times faster than Bitcoin, and 30 to 40 times faster than Ethereum. That’s not hype. It’s based on finality—the moment a transaction is settled with certainty.

This matters because Ethereum may process a transaction in about 12 seconds, but it isn’t truly finalized for 1–2 minutes. XRP, on the other hand, settles with finality in just 3–5 seconds. For global payments, for institutional settlement, and for real-world usage at scale, finality is everything.

This isn’t about speed for the sake of convenience. It’s about building the infrastructure layer for the next generation of global finance. And institutions like CME Group are beginning to take notice.

Meanwhile, Ripple is rapidly positioning XRP for the next big catalyst: a U.S.-based XRP Spot ETF. Bloomberg analysts now estimate there’s an 85% chance it gets approved in 2025. That’s largely thanks to new SEC rules that require at least six months of futures trading for a spot ETF to be considered. With XRP futures now live on the CME, that box is checked.

The timing couldn’t be more perfect. As market momentum builds toward what could be the next major crypto bull run, the launch of an XRP ETF could bring billions in institutional inflows—further legitimizing XRP as a blue-chip digital asset.

Alongside this rapid growth, viral speculation is heating up. Posts on X (formerly Twitter) and TikTok are going viral with claims that XRP is being positioned as America's digital reserve currency. While there’s no official confirmation of this, the theory is catching on fast. And it's not hard to see why.

Ripple’s technology aligns perfectly with what the U.S. would need to maintain dollar dominance in a digital age. RLUSD could serve as a stablecoin with direct Fed access, while XRP handles the global liquidity and cross-border transactions. Whether XRP becomes the reserve asset or just part of a basket of trusted digital currencies, it's clear the infrastructure is being laid.

Adding to the intrigue is a viral theory known as “The Citadel Plan”, which claims XRP is being positioned as the settlement token in a future AI-run society. The theory ties Ripple to elite investors like Peter Thiel, whose Founders Fund was an early Ripple investor. While the dystopian flavor of the theory is likely exaggerated, it’s absolutely true that AI systems will need fast, scalable settlement layers—and XRP is one of the best candidates for that role.

In fact, one of Peter Thiel’s crypto ventures, Bullish Exchange, was among the first to support RLUSD when it launched. The connections here are real, and they suggest a coordinated move toward building serious financial infrastructure on the XRP Ledger.

Regulators are moving too. The SEC just signaled that staking rewards for Ethereum will be allowed in ETF products, paving the way for other cryptos with staking functionality to follow. This opens the door for more dynamic and profitable crypto ETFs—and could further legitimize digital assets like XRP in the eyes of institutional investors.

At the same time, the White House is preparing an executive order to stop banks from denying services to crypto firms—a major shift that could reverse years of de-banking practices and create a more welcoming environment for crypto innovation in the U.S.

And let’s not overlook the rising tide of Ethereum adoption in corporate treasuries. Companies now hold more than $3.5 billion worth of ETH on their balance sheets. While Bitcoin has long dominated the corporate narrative, we’re starting to see a shift toward multi-asset strategies—and XRP will likely play a key role as these portfolios grow more diverse.

This is the moment where everything changes.

Ripple’s banking license is more than just a milestone for the company. It’s a turning point in the battle between legacy finance and the open, efficient, blockchain-powered system of the future. The attempt by 42 banks to block that license only confirms what we already know:+

XRP is no longer just a speculative asset. It's becoming financial infrastructure.

And no matter how hard the old guard fights it, that future is coming. Fast.

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