100% Banks Are Dragging Their Feet On XRP Adoption, XRP Army Discusses Major Reasons

In a recent tweet that generated substantial reaction from the XRP community, crypto commentator “All Things XRP” asserted that banks are intentionally delaying the adoption of XRP, not out of confusion or reluctance, but to ensure they can fully capitalize on it. The statement reads: “100% BANKS ARE DRAGGING THEIR FEET ON XRP ADOPTION. Why? They’re figuring out how to profit from it. Once their revenue models are locked in, it’s game on. Agree or Disagree? Talk to me…” 100% BANKS ARE DRAGGING THEIR FEET ON XRP ADOPTION. Why? They’re figuring out how to profit from it. Once their revenue models are locked in, it’s game on. Agree or Disagree? Talk to me… — All Things XRP (@XRP_investing) May 14, 2025 The tweet suggests that the hesitation of institutions is strategic rather than reactive, rooted in the desire to lock in profitable models before engaging in full-scale adoption. Community Response Points to Regulation The post attracted a range of responses from community members, many of whom offered a more technical or regulatory explanation for the delay in institutional engagement with XRP. One notable reply came from an X user named Michael, who disagreed with the suggestion that banks are simply taking their time to figure out revenue strategies. Michael wrote , “You’re half right… but missing the whole picture.” He emphasized that regulatory uncertainty and the alignment of financial infrastructure are the real reasons why banks have not adopted XRP at scale. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Infrastructure Overhaul and Compliance Requirements Michael pointed out that the lack of established stablecoin legislation in the United States presents a key barrier to institutional involvement. He noted, “No bank is touching XRP for settlement at scale until there’s a clear legal framework for digital assets.” He also referenced the global transition to ISO 20022 , stating that while Ripple and some of its partners are already ISO-compliant, the financial industry’s messaging standard is only set to be fully implemented by SWIFT in November 2025. Another critical infrastructure upgrade mentioned was Fedwire’s scheduled adoption of ISO 20022 in July 2025. According to Michael, this change will create the groundwork for real-time, tokenized value transfers. He insisted that the financial system operates with centralized control and cannot proceed with innovations like XRP-based settlement until regulatory and technical systems are fully aligned. He concluded, “This isn’t banks ‘figuring it out’ — it’s staged deployment.” Legal Restrictions Still in Effect Another user offered a shorter but pointed observation regarding the current legal environment. T.T. referenced the ongoing litigation involving the U.S. Securities and Exchange Commission and Ripple, noting , “Nope, injunction is still in place from the SEC lawsuit. Once it clears, they will load up in anticipation of use case. They are working on application in the background.” This view further reinforces the idea that the current lack of adoption is not due to indecision or disinterest but rather external legal and regulatory constraints that continue to affect institutional decision-making. Both responses indicate a shared view that banks are not hesitating without reason, but rather acting under legal and systemic constraints. These perspectives are different from the original tweet from All Things XRP, which focuses on profit motivation as the primary cause of delay. 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 X , Facebook , Telegram , and Google News The post 100% Banks Are Dragging Their Feet On XRP Adoption, XRP Army Discusses Major Reasons appeared first on Times Tabloid .

Source: TimesTabloid