Ripple’s XRP is getting retooled from a speculative token into a potential core liquidity layer for banks and fintechs.
Crypto Sensei, a mainstream crypto market analyst, is arguing that XRP is quietly being positioned for a much bigger role in global payments, pointing to a cluster of developments from London to Coinbase’s on-chain lending desks.
The central claim: new institutional features on the XRP Ledger, combined with emerging UK “cardless” payment infrastructure, could make XRP a core liquidity tool rather than just a speculative asset.
UK Cardless Payments Hint At New Rails Beyond Visa & Mastercard
The video opens with speculation around whether Ripple and XRP could sit behind new payment systems being explored by large banks, including a reported alternative to Mastercard and Visa in Lebanon and a cashless, cardless system in the UK.
In footage highlighted by Crypto Sensei, James Neville, CEO of UK-based payments firm Citizen, describes a future where online payments are dominated by account-to-account transfers and stablecoins, not cards.
Neville promotes biometric checkout (“just with your face or with your fingerprint”) and predicts that by the end of the decade payments will be “a bit of a mix somewhere between crypto and account-to-account payments.”
Sensei notes that Ripple is already regulated to operate in the UK and Europe and is interconnected with UK payment systems, suggesting — without firm proof — that Ripple infrastructure could underlie some of these new digital wallet and virtual ID rails.
That remains conjecture, but it aligns with a broader shift away from card networks and legacy SWIFT routing.
From SWIFT Workarounds To Institutional DeFi On The XRP Ledger
On the institutional side, the commentator highlights an interview with crypto brokerage Caleb & Brown, where the firm says Ripple-based rails have cut US dollar withdrawal processing from hours to minutes by bypassing SWIFT.
According to the video, the firm’s CCO, Jake Boyle, credits Ripple infrastructure for faster settlement without relying on traditional correspondent banking.
Crypto Sensei then turns to Coinbase, which is adding XRP, Dogecoin, Cardano, and Litecoin as collateral for on-chain loans via Morpho markets on Base.
XRP holders, he notes, can now borrow USDC against their XRP “up to around 6 figures per borrow,” giving the asset a yield-bearing, collateral role similar to BTC and ETH inside Coinbase’s lending stack.
The most technical segment focuses on new amendments to the XRP Ledger — XLS-80 (permission domains), XLS-81 (permissioned DEX), and a credential framework for KYC/AML. Together, these changes let institutions create fenced-off, compliance-gated zones and order books on the public ledger.
Regulated entities can whitelist participants, enforce jurisdiction filters, and run members-only markets for tokenized treasuries, stablecoins, or other real-world assets, while still settling on XRPL and tapping its native DEX liquidity.
The host stresses that Ripple CTO David Schwartz has long said institutions couldn’t fully use XRPL’s native DEX without these compliance features. With them now live, banks and asset issuers can, in theory, access on-ledger liquidity directly instead of relying on sidechains or bespoke private networks.
For crypto investors, the significance is bi-fold: XRP is being integrated into more conservative, yield-bearing and settlement use cases, and the XRP Ledger is evolving into a venue where regulated capital can interact with public liquidity under strict compliance controls.
How much real institutional volume follows is still unclear, but the technical and regulatory groundwork is starting to look more compatible with traditional finance than in past cycles.
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