Quick overview

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Crypto Sensei” pieced together several developments that, when considered collectively, depict a far more permissive environment for XRP, tokenization, and bank-led crypto services than many investors may be aware.

Gottfried Leibbrandt, a former CEO of Swift, made the headline claim when he recently stated that once regulatory volatility and legal uncertainty subside, Swift could integrate “native currencies like XRP.” Without clear regulations, “the benefits do not outweigh the costs” for institutions that might otherwise use volatile cryptocurrency assets for settlement, according to Sensei, who emphasizes that the problem is not technology but rather bank risk appetite.

He saw this as structural pressure rather than a “crypto roadmap,” since ISO-native payment systems like RippleNet will be in a better position once legacy formats and paper checks are phased out.

He reiterates a point that is frequently overlooked in online discussions: payment systems, not tokens themselves, are subject to ISO compliance.
A recent clip of Fed Chair Jerome Powell declaring that US banks are “perfectly able to serve crypto customers” as long as operations are safe, sound, and compliant is heavily referenced in the video.

According to Sensei, the Fed, FDIC, and OCC replaced their earlier, more stringent joint crypto statements with principles-based guidance in 2025. Sensei contends that instead of developing intricate crypto rails internally, banks are more likely to “white-label” infrastructure from companies like Ripple, Circle, Fireblocks, or Coinbase.

He believed that a sizable portion of institutional traffic could be discreetly routed through XRP-enabled systems without ever being advertised by brands.