Ripple National Trust Bank Is Coming. Big for XRP, Threat to SWIFT. Here’s why

A recent tweet by crypto analyst and investor Xaif drew attention to a video outlining what could become one of Ripple’s most consequential developments to date. It’s its potential evolution into a full-fledged banking ￰0￱ Xaif’s post briefly mentioned the end of banking reliance on SWIFT and the growing influence of Ripple’s technology through ISO 20022 integration, the real focus lies in the accompanying ￰1￱ speaker in the clip presented a detailed breakdown of how Ripple’s integration with government systems and stablecoin reserves could redefine institutional payments, create new liquidity pathways, and accelerate the global use of ￰2￱ speaker began by explaining that Ripple may soon be able to hold stablecoins, particularly RLUSD, as reserves with the U.

S. Treasury. This, according to them, would represent a major shift in how Ripple operates, moving it closer to functioning as a government-connected ￰3￱ described this development as a direct integration between Ripple, RLUSD, and ￰4￱ infrastructure, a move that could significantly enhance liquidity and performance across the Ripple ￰5￱ immediate effect, they argued, would be greater efficiency, higher transaction volumes, and an increase in XRP’s market ￰6￱ don’t need SWIFT anymore the future is Ripple + $XRP. With ISO 20022 integration, XRP can settle massive transactions instantly Now you know why SWIFT is rushing to adopt blockchain tech they see what’s coming, and it’s called RIPPLE NATIONAL TRUST BANK ￰7￱ — Xaif Crypto | (@Xaif_Crypto) October 5, 2025 The Start of the “Utility Phase” Throughout the video, the speaker emphasized that these integrations mark the beginning of the “utility phase” for ￰8￱ suggested that the current phase of speculative growth could soon give way to one defined by real-world utility, where Ripple’s banking status , once formalized and approved by the SEC, would establish XRP as the foundation of global transaction ￰9￱ to their explanation, Ripple’s potential status as a bank would allow it to conduct transactions directly with governmental bodies, bypassing the need for the SWIFT network ￰10￱ ISO 20022 as the new communication standard, Ripple’s technology could seamlessly manage settlements using XRP, enabling near-instant global payments at minimal ￰11￱ speaker described this as the turning point for the digital asset, asserting that once Ripple secures official banking approval, the landscape of cross-border transactions would fundamentally ￰12￱ Efficiency and Cost Advantage A key part of the video focused on the practical cost difference between the traditional financial system and Ripple’s ￰13￱ speaker shared a clear comparison: a $1 million transaction through existing banking channels could cost around $1,000 in fees, while the same transaction processed via Ripple’s network could cost less than $10.

Even if Ripple applied its own fee margin, the overall cost to users might still total around $200 — far below the existing ￰14￱ are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 They argued that this level of efficiency would not only make Ripple’s system more appealing to financial institutions but also enhance customer satisfaction through faster, cheaper, and more reliable payment ￰15￱ their view, this advantage could quickly attract attention from banks worldwide once the technology’s profitability becomes ￰16￱ more institutions recognize that they can reduce operational costs while improving service delivery, Ripple’s solutions could become a preferred alternative to the current SWIFT ￰17￱ Impact and Competitive Dynamics The speaker concluded by highlighting that Ripple’s transformation into a banking entity would not simply be an internal milestone but a broader shift in the financial ￰18￱ offering a faster and more cost-effective global settlement mechanism, Ripple could expose inefficiencies in legacy systems and force competitors to adapt or risk ￰19￱ integration of ISO 20022 compatibility, XRP liquidity, and RLUSD reserves, they suggested, would place Ripple at the center of an emerging financial infrastructure designed for the digital ￰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 advised to conduct thorough 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 X , Facebook , Telegram , and Google News