Happy belated New Year! I just hit send on Ripple’s quarterly shareholder email. To say that 2025 (and Q4) were successful for Ripple feels like saying @TomBrady was just a great quarterback!! (#theGOAT)
Our two major acquisitions - Ripple Prime and GTreasury - greatly accelerate and expand our ability to deliver on our vision, enabling the Internet of Value. XRP has been (and will continue to be) the heartbeat of that vision.
With truly the most comprehensive licensing portfolio (and now today UK’s EMI license added) we are poised to make 2026 even more consequential.
Building and using crypto infrastructure, updating our global financial plumbing, and rethinking legacy systems – none of this happens overnight. At Ripple, we’re going to continue taking the long view of what crypto-based assets – like XRP and RLUSD – can do, rather than chasing cycles and hype.
Bring on 2026. We are firing on all cylinders. It’s happening!
🚨 OCC Just Quietly Greenlit Ripple’s Endgame: A Federally Chartered XRP Bank.
📍 OCC Comptroller Jonathan Gould:
“Crypto firms should be treated like banks when applying for federal charters.”
Read that again.
Not “maybe.”
Not “someday.”
Equal footing with banks.
Why this is the moment everyone pretends not to see:
✔ If Ripple earns a National Trust Charter, XRP stops being “just a token.”
It becomes a federally-recognized settlement asset, capable of custodying, clearing & settling value like a Tier-1 financial institution.
✔ With a charter, Ripple can plug directly into:
– Fed payment rails
– Repo windows
– Treasury markets
– Institutional custody frameworks
– Global liquidity corridors without intermediaries
That means XRP doesn’t just move like money, it performs like infrastructure.
‼️ The Play Institutions Aren’t Saying Out Loud
A trust-chartered Ripple could:
1) Settle cross-border payments without correspondent banks.
2)Collapse nostro-vostro inefficiencies overnight.
3) Handle tokenized treasuries & corporate debt at scale.
4) Become a neutral bridge asset in multi-currency clearing.
Imagine SWIFT — but instant.
Imagine Fedwire — but global.
Imagine settlement finality — without legacy friction.
That is what a federally chartered Ripple unlocks💧🌊
Larry Fink just confirmed what we’ve been saying for years, every central bank currency will be digitized, every ETF and asset will be tokenized, and they’ll all need a cross-border settlement layer.
The plumbing of global finance is being rebuilt, and #XRP is the foundation.
With today’s close of Hidden Road (now Ripple Prime), Ripple has announced 5 major acquisitions in ~2 years (GTreasury last week, Rail in August, Standard Custody in 2024, Metaco in 2023). As we continue to build solutions towards enabling an Internet of Value – I’m reminding you all that XRP sits at the center of everything Ripple does. Lock in.
XRP community – I promised I’d have an update on my next adventure soon right? Well here’s the start: I’ll be a strategic advisor to @evernorthxrp, helmed by my friend @ashgoblue.
Evernorth was founded as a regulated, scalable investment vehicle to tap into opportunities for XRP in DeFi and capital markets, extending the entire XRP ecosystem. I’m excited to get started!
We’re proud to announce @Ripple is acquiring treasury management leader GTreasury: https://t.co/HkEcy6htnK
The fusion of Ripple’s enterprise crypto solutions with GTreasury’s 40+ years of expertise immediately opens the multi-trillion-dollar corporate treasury market.
Learn how this move enables CFOs and treasurers to unlock idle capital and transfer funds instantly for the world's largest brands.
🚨 The $19B Liquidation Wasn’t a Crash, It Was An Insider Job With Manipulation by Exchanges.
An Insider Made $192 Million in 30 minutes.
Binance Lagged. CoinGlass Attacked. HyperLiquid Profited. Think.
The “Crash” Just Exposed Everything
Let me Explain🧵👇
Very excited to share that @BlackRock’s $BUIDL and @VanEck_US’s $VBILL tokenized fund holders can redeem shares for RLUSD/ETH 24/7 365 through @Securitize, and soon to come RLUSD/XRPL.
Enterprise-grade instant onchain liquidity at your fingertips. That’s real utility. https://t.co/A0zEHIIpel
An XRP rewards credit card out in the world?! What a time to be alive, XRP family…
Use the special edition @Gemini card for everyday purchases, and earn up to 4% XRP back. https://t.co/arz9v68S0Z
Introducing the @Gemini Credit Card XRP Edition
→ $RLUSD now supported for US spot trading
→ Simplified trading, no extra conversion fees
→ Fast and simple access to crypto and stable value
→ Special-edition design for the XRP community
We’ve been seeing more and more players in the payments and stablecoins space launch their own blockchains. To me, that’s a clear sign the market sees blockchain as core financial infrastructure — something we’ve believed in and have been building toward on the XRP Ledger for over 13 years.
Launching a blockchain is hard. Building an ecosystem with developers, liquidity, trust, and real-world usage is even harder. The XRPL has real traction and institutional adoption because it’s been battle-tested, updated, and improved upon for well over a decade.
Some blockchains are built with permissioned validator sets controlled by one entity or a small group. This can provide control and compliance for specific, closed-network scenarios, but it limits reach, resilience, and the ability for anyone to contribute to securing and growing the network. Decentralization vs. centralization is constantly debated and there’s not a single answer that fits every use case for crypto and the concepts themselves have changed in definition over the years.
As many of you know, the XRPL is public and permissionless at its core, with optional permissioned features for regulated use cases. This open foundation makes it adaptable, interoperable, and well-positioned to serve as critical infrastructure for the world’s financial system — connecting assets, markets, and participants seamlessly across borders.
The XRPL was built so fees stay low and predictable, just fractions of a cent, without a separate gas token. You can pay directly in XRP for any issued asset, avoiding the friction and hidden costs of buying another token just to transact. XRP is counterparty-free, accessible by all, and used as a bridge asset with real utility for payments, settlement, and liquidity. (Every transaction on the XRPL uses/burns XRP.)
It’s encouraging to see some newer chains adopt design choices that have long been part of the XRPL’s architecture, like deterministic finality and Proof of Authority-based consensus mechanisms. It shows there’s growing alignment in the industry on the importance of predictable, reliable settlement for financial applications without expensive validation.
Looking forward to the next phase of XRPL innovations, bringing more programmability, compliance-grade capabilities, and deeper liquidity for institutional use.
And to those just getting started… Welcome to the party! The crypto tent is only getting bigger.
No such thing as the August doldrums at @Ripple…very excited to share that we’re acquiring @RailFinancial!
Ripple + Rail together will be THE go-to provider of stablecoin payments infrastructure for global financial institutions around the world. https://t.co/JzUoHjulZB