Category: Crypto market

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.

Market analyst X Finance Bull highlighted Ripple’s progress in becoming regulated in the UK in a recent post on X, calling it a key step toward gaining institutional dominance. His comment emphasizes a compliance milestone that makes Ripple one of the few companies operating in one of the world’s most strict financial jurisdictions.

Under UK laws against money laundering and terrorism funding, Ripple does business there through Ripple Markets UK Limited, which is registered with the Financial Conduct Authority.

This registration allows Ripple to provide cryptocurrency-related services while adhering to strict rules for governance, reporting, and compliance.

Many crypto companies struggle to meet the FCA’s tough approval process, which is among the strictest worldwide. By successfully registering, Ripple gains regulatory trust and joins a select group of compliant digital asset firms authorized to operate in the UK financial system.

The UK remains a key global financial hub, home to major banks, payment processors, and fintech firms. These companies can connect with Ripple’s technology without concerns over unclear regulations, thanks to FCA recognition. This clarity removes a major obstacle to adoption and allows regulated entities to explore blockchain solutions with confidence. Ripple’s approach aligns with the evolution of financial infrastructure rather than relying on speculative hype. Institutions adopt technology based on regulatory approval, not social media trends.

Ripple’s approval in the UK was driven by compliance, audits, and ongoing engagement with regulators, not marketing or conjecture. Although these milestones are often overlooked, they establish the frameworks that authorize institutions to use the platform.

If the next phase of digital finance is shaped by regulated adoption, Ripple’s strong position in the UK gives it an advantage over many competitors. Infrastructure rather than hype may continue to support XRP’s role as a standardized settlement asset as institutions seek more compliant blockchain options.