In a video shared on X, prominent market commentator CryptoSensei outlined what he considers Ripple’s ultimate strategy, framing the company’s pursuit of a U.S. banking license as the culmination of more than a decade of planning. “Ripple and XRP fans, listen up,” he began. “A bank insider from London is breaking his silence about Ripple and XRP in his experience in the banking industry over the last decade. Ripple’s application to become a bank isn’t a pivot. It’s the end game they’ve been building towards for the last 10 years.” Ripple’s Banking Ambitions This claim is backed by fact. Ripple has filed paperwork with the U.S. Office of the Comptroller of the Currency (OCC) seeking a national trust bank charter. This move would bring the company under direct federal supervision. XRP ENDGAME LEAKED!!! pic.twitter.com/Oa9IAvKo9U — CryptoSensei (@Crypt0Senseii) August 15, 2025 If approved, the license would allow Ripple to act not only as a payments facilitator but as a regulated custodian, lender, and financial intermediary. The company has also signaled that its longer-term goals include Federal Reserve access and clearer oversight of its stablecoin, RLUSD. CryptoSensei argues this marks a profound shift: “If Ripple is a bank, they’re not just moving money. They’re holding it, lending it, clearing it, settling it, and tokenizing it. They become the neutral layer between every institution in the system, which means XRP’s demand isn’t just speculative, but structural in its entire system.” Structural Demand for XRP For years, XRP has been viewed primarily as a speculative asset. But Ripple’s potential banking status could transform that narrative. By controlling custody, settlement, and tokenization infrastructure, the company would be well-positioned to integrate XRP into the financial system’s underlying machinery. “End game very well may be Ripple banking license,” CryptoSensei explained. “What they do from that could set the tone for XRP’s price over the next decade.” Ripple’s ongoing development of cross-border settlement products, tokenized asset frameworks, and its stablecoin offering strengthens the case that XRP could evolve into a utility-driven asset, tied to institutional adoption rather than retail speculation. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Regulatory Pushback Still, Ripple’s path to becoming a bank is far from guaranteed. The Independent Community Bankers of America (ICBA) and other advocacy groups have filed objections, warning that granting bank charters to crypto firms could sidestep consumer protections and introduce systemic risks. These challenges ensure the OCC’s review process will be both lengthy and politically charged. Looking Ahead For CryptoSensei, the stakes are deeply personal: “I figured I’m at the right place at the right time, understanding what the future holds for Ripple and XRP. And I think a lot of you care deeply about what this future is going to look like.” Whether Ripple secures its license or faces regulatory roadblocks, the outcome could shape not just the company’s direction but also XRP’s role in global finance for the next decade. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter , Facebook , Telegram , and Google News The post Analyst Calls This XRP Endgame appeared first on Times Tabloid .
