Crypto Investor: Here’s the XRP Endgame that Most Are Missing

In the fast-moving world of digital assets, most investors focus on short-term price ￰0￱ beneath the surface, a deeper structural transformation appears to be forming around XRP — one that crypto investor Armando Pantoja believes represents the “endgame” for institutional ￰1￱ recent post on X outlines a complex convergence of infrastructure, regulation, and liquidity systems that could quietly position XRP at the center of the next global financial ￰2￱ Hidden Architecture of Value Settlement At the core of Pantoja’s diagram lies a staggering figure, the Depository Trust & Clearing Corporation (DTCC), which processes between $2 quadrillion and $4 quadrillion in annual settlements across securities ￰3￱ reference isn’t about XRP replacing that system but potentially integrating into its flow of ￰4￱ XRP Ledger (XRPL), built for near-instant settlement and minimal transaction cost, already supports tokenization and stablecoin transactions at enterprise scale, making it theoretically compatible with such financial plumbing. $XRP endgame that most are missing…. ￰5￱ — Armando Pantoja (@_TallGuyTycoon) October 23, 2025 Adding weight to the institutional angle, Ripple’s RLUSD stablecoin , launched in December 2024, is fully backed and custodied by BNY Mellon, a global financial giant managing more than $53 trillion in ￰6￱ connection highlights growing trust from traditional custodians toward compliant digital assets, a cornerstone for any scalable financial ￰7￱ Clarity and the Path to Integration Pantoja’s endgame thesis also highlights the Digital Asset Market Clarity Act , a proposed ￰8￱ seeking to formally define the classification of ￰9￱ enacted, this legislation would reduce regulatory uncertainty and allow clearer paths for institutional products tied to XRP, including potential exchange-traded funds (ETFs), which Pantoja claims may already count up to 20 spot XRP ETF ￰10￱ important is Ripple’s application for a New York banking charter, a move that would enable the firm to offer regulated custody and payment services within the ￰11￱ ￰12￱ are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Combined with the Federal Reserve’s proposal for “master account” access, direct participation for fintechs in central bank settlements, these steps could establish Ripple as a bridge between digital liquidity and core ￰13￱ ￰14￱ Foundations: Identity, Standards, and Compliance Among the technical pieces of the puzzle, Pantoja points to the DNA Protocol, a biometric identity solution built on the ￰15￱ initiative ties digital identity verification directly to blockchain-based payments, a key requirement for large-scale compliance in banking and cross-border settlements.

Furthermore, the XRPL’s ISO 20022 compatibility aligns it with the new global messaging standard for financial ￰16￱ integration allows for seamless data interchange between banks and blockchain systems, setting the stage for automated, compliant, real-time settlement of tokenized ￰17￱ Bigger Picture: A Converging Endgame Armando Pantoja’s “XRP endgame” vision doesn’t predict a single explosive event. Instead, it sketches a gradual alignment of critical factors such as settlement networks, regulatory clarity, digital identity, and institutional trust — all pointing toward XRP’s maturation as a global liquidity ￰18￱ these pieces fall into place, XRP’s role may extend far beyond speculation, anchoring the infrastructure of digital finance ￰19￱ or not every element materializes as Pantoja envisions, one thing is clear: the XRP story is shifting from market hype to systemic integration , and most investors are still missing the bigger ￰20￱ : This content is meant to inform and should not be considered financial ￰21￱ views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s ￰22￱ are urged to do in-depth research before making any investment ￰23￱ action taken by the reader is strictly at their own ￰24￱ Tabloid is not responsible for any financial ￰25￱ us on Twitter , Facebook , Telegram , and Google News