Ripple, once a company that sent money across borders, now claims to be “the banker’s bank” after splurging $4 billion on acquisitions. Because who doesn’t want to spend $4 billion when you can just ask nicely and call it infrastructure? Their logic: Banks can’t build blockchain tech themselves, so Ripple will do it for them. Groundbreaking. Like a personal trainer who buys your groceries and blames you if you still gain weight.
The acquisition spree? A masterclass in brand repositioning. Hidden Road became Ripple Prime (because “prime” sounds less like a brokerage and more like a Netflix tier). Rail added stablecoin rails. GTreasury cracked corporate treasuries. Palisade? Now it’s just a fancy wallet. All while the OCC gave them a conditional charter in December 2025. “Conditional” meaning, “We’re not sure what we’re doing either.”
“Banks are our customers,” said Brad Garlinghouse, who’s basically saying, “Trust us, we’re not here to revolutionize finance. We’re just here to make banks feel obsolete.” When asked if they’d buy a bank, he said, “They’re our customers.” Because nothing says “bank-friendly” like treating banks like your side hustle’s first clients.
XRP’s Pre-ETF Squeeze Play: Ghosts Are Buying It
The SEC is racing against time, probably because they’re terrified of what happens if they miss the February 26 deadline for T. Rowe Price’s crypto ETF. T. Rowe Price, which manages $1.8 trillion, now lists XRP as a “core eligible asset.” Core. Like it’s the center of the universe or something.
“Blockchain will play an important role in finance,” the firm declared. Groundbreaking insight. Like saying “oxygen is important for breathing.”
US spot XRP ETFs hold over $1 billion, which is 1% of the circulating supply. Since January, 42 new wallets with over 1 million XRP each have appeared. Coincidence? Probably not. Or maybe it’s just Ripple’s marketing team being extra.
Ripple’s 2026 roadmap includes “native lending” and “zero-knowledge proofs.” Sounds like a TED Talk. But analysts warn: “Enterprise adoption might not translate to XRP demand.” Oh no. What if banks love Ripple’s tech but forget to buy XRP? That’s a real crisis.
XRP trades at $1.44. Market cap? $87 billion. Enjoy the ride.
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2026-02-21 17:27