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Does Ripple really pose a threat to traditional banks?
The thesis that Ripple is no longer a 'payments company' but is starting to build a full-fledged banking infrastructure is increasingly appearing in the XRP community.
In December 2025, Vincent Van Code pointed out that Ripple could hit long-standing sources of revenue for banks:
treasury operations, money transfers, and custodial services.
According to him, today Ripple already has three key elements that were previously lacking:
technology, regulations, and capital.
What did Ripple do in 2025?
• acquisition of Hidden Road for 1.25 billion USD (now Ripple Prime, ~3 trillion USD in annual volume)
• purchase of Rail – a stablecoin payment platform
• acquisition of GTreasury for 1 billion USD
• joining Palisade to the ecosystem
• obtaining conditional approval for banking operations
All of this has significantly changed the narrative around Ripple. It is increasingly talked about as a potential competitor to traditional financial institutions rather than a payments company.
What could this mean for the price of XRP?
Google Gemini, analyzing the topic from the perspective of global liquidity rather than speculation, indicated several scenarios:
• moderate scenario (5 years): 12.50–18 USD
in line with the Standard Chartered forecast for 2028
• optimistic scenario (approx. 10% of global settlements): 25–50 USD
• very ambitious scenario: above 100 USD, if XRP were to become a global settlement standard
Gemini emphasizes, however, that liquidity and adoption remain key, and threats include:
stablecoins (including RLUSD), pressure from central banks, and new regulations like the US GENIUS Act.
Conclusion:
Ripple clearly aims higher than ever before.
Will it actually threaten banks? The market does not yet know.
But one thing is certain: it is no longer a small player in transfers.
#XRP #Ripple #kryptowaluty #finanse #Binance $XRP
The thesis that Ripple is no longer a 'payments company' but is starting to build a full-fledged banking infrastructure is increasingly appearing in the XRP community.
In December 2025, Vincent Van Code pointed out that Ripple could hit long-standing sources of revenue for banks:
treasury operations, money transfers, and custodial services.
According to him, today Ripple already has three key elements that were previously lacking:
technology, regulations, and capital.
What did Ripple do in 2025?
• acquisition of Hidden Road for 1.25 billion USD (now Ripple Prime, ~3 trillion USD in annual volume)
• purchase of Rail – a stablecoin payment platform
• acquisition of GTreasury for 1 billion USD
• joining Palisade to the ecosystem
• obtaining conditional approval for banking operations
All of this has significantly changed the narrative around Ripple. It is increasingly talked about as a potential competitor to traditional financial institutions rather than a payments company.
What could this mean for the price of XRP?
Google Gemini, analyzing the topic from the perspective of global liquidity rather than speculation, indicated several scenarios:
• moderate scenario (5 years): 12.50–18 USD
in line with the Standard Chartered forecast for 2028
• optimistic scenario (approx. 10% of global settlements): 25–50 USD
• very ambitious scenario: above 100 USD, if XRP were to become a global settlement standard
Gemini emphasizes, however, that liquidity and adoption remain key, and threats include:
stablecoins (including RLUSD), pressure from central banks, and new regulations like the US GENIUS Act.
Conclusion:
Ripple clearly aims higher than ever before.
Will it actually threaten banks? The market does not yet know.
But one thing is certain: it is no longer a small player in transfers.
#XRP #Ripple #kryptowaluty #finanse #Binance $XRP
Assets Allocation
Top holding
XRP
99.79%
A sudden drop in many currencies at 1:00 AM is the result of the opening of Asian markets, which were the first to react to the weekend threats from Donald Trump.
What happened?
The President of the USA announced a 10% tariff on goods from eight European countries (including France, Germany, Denmark, and the United Kingdom). This is to be a "punishment" for the lack of agreement on the sale of Greenland to the United States.
Consequences: The market is fleeing from risk. Gold and silver have gained (record levels), while European currencies and cryptocurrencies have lost.
Deadlines: The tariffs are set to take effect on February 1, and may increase to 25% in June.
EU Reaction: Brussels is already planning a retaliation worth 93 billion euros.
Proposed post (FB / X):
⚠️ Geopolitical earthquake in the markets! ⚠️
Tonight (around 1:00) brought a sudden red on the charts. The reason? Donald Trump escalates the conflict over... Greenland. 🇬🇱
🇺🇸 The President of the USA announced a 10% tariff on imports from 8 European countries (including Germany and France), if Denmark does not agree to sell the island.
📉 Effect: A sudden drop in the euro, pound, and contracts in the USA. Investors are fleeing to gold, which is breaking records!
🇪🇺 The EU is already preparing a "trade bazooka" in response.
Is this the beginning of a great trade war in 2026? 🥊
#Economy #Trump #Greenland #StockMarket #Currencies #Finanse $BTC $ETH $XRP
What happened?
The President of the USA announced a 10% tariff on goods from eight European countries (including France, Germany, Denmark, and the United Kingdom). This is to be a "punishment" for the lack of agreement on the sale of Greenland to the United States.
Consequences: The market is fleeing from risk. Gold and silver have gained (record levels), while European currencies and cryptocurrencies have lost.
Deadlines: The tariffs are set to take effect on February 1, and may increase to 25% in June.
EU Reaction: Brussels is already planning a retaliation worth 93 billion euros.
Proposed post (FB / X):
⚠️ Geopolitical earthquake in the markets! ⚠️
Tonight (around 1:00) brought a sudden red on the charts. The reason? Donald Trump escalates the conflict over... Greenland. 🇬🇱
🇺🇸 The President of the USA announced a 10% tariff on imports from 8 European countries (including Germany and France), if Denmark does not agree to sell the island.
📉 Effect: A sudden drop in the euro, pound, and contracts in the USA. Investors are fleeing to gold, which is breaking records!
🇪🇺 The EU is already preparing a "trade bazooka" in response.
Is this the beginning of a great trade war in 2026? 🥊
#Economy #Trump #Greenland #StockMarket #Currencies #Finanse $BTC $ETH $XRP
Metaplanet surpasses 20,000 BTC!
The Japanese company Metaplanet officially joins the global elite of the largest public Bitcoin holders, entering the TOP 6 in the world! 🌍💰
🔹 They currently hold over 20,000 BTC, placing them alongside giants like MicroStrategy, Marathon Digital, and Tesla.
🔹 This is a clear signal that the strategy of 'Bitcoin as a reserve asset' is gaining popularity — especially among companies from traditionally conservative markets like Japan.
🔹 Metaplanet, often referred to as the 'Japanese MicroStrategy', is not slowing down and is consistently building its position as a BTC leader in Asia.
🔹 They currently hold over 20,000 BTC, placing them alongside giants like MicroStrategy, Marathon Digital, and Tesla.
🔹 This is a clear signal that the strategy of 'Bitcoin as a reserve asset' is gaining popularity — especially among companies from traditionally conservative markets like Japan.
🔹 Metaplanet, often referred to as the 'Japanese MicroStrategy', is not slowing down and is consistently building its position as a BTC leader in Asia.
🌐 DeFi in practice – #Ethereum, #Cardano and #Solana
DeFi (Decentralized Finance) is a financial ecosystem operating without intermediaries like banks. 🏦❌
On platforms based on #Ethereum, #Cardano, and #Solana, you can borrow cryptocurrencies, participate in liquidity pools, and earn rewards – all in a decentralized way. 💸
❓
Have you already used DeFi on these networks?
Which one do you think is the most convenient and safest?
#Binance #CryptoEducation #Cryptocurrencies #Blockchain #DeFi #Ethereum #Cardano #Solana #EarnOnline #CryptoCommunity #Finanse #cryptotips
DeFi (Decentralized Finance) is a financial ecosystem operating without intermediaries like banks. 🏦❌
On platforms based on #Ethereum, #Cardano, and #Solana, you can borrow cryptocurrencies, participate in liquidity pools, and earn rewards – all in a decentralized way. 💸
❓
Have you already used DeFi on these networks?
Which one do you think is the most convenient and safest?
#Binance #CryptoEducation #Cryptocurrencies #Blockchain #DeFi #Ethereum #Cardano #Solana #EarnOnline #CryptoCommunity #Finanse #cryptotips
💳 Crypto in Your Wallet? Literally! Discover Binance Card
Many cryptocurrency skeptics claim that "you can't buy anything with it." It's time to set them straight! With the Binance Card, your crypto becomes as useful as funds in a regular bank account.
🛒 How does it work in practice?
The Binance Card is a debit card (physical or virtual) that you can use to pay at millions of locations worldwide – everywhere Visa is accepted.
You pay with crypto (e.g., BTC, BNB, or USDT), and the merchant receives local currency (e.g., PLN or EUR).
The conversion happens automatically in a fraction of a second at the moment of payment!
✨ Why is it worth having?
Cashback up to 8%: This is the biggest advantage. For every purchase, you can receive a refund in the form of BNB. The percentage of the refund depends on how much BNB you hold in your account.
No monthly fees: Binance does not charge fixed fees for maintaining the card.
Security: You manage the card from the app – you can block it or change limits at any time.
📲 Virtual Card vs. Physical Card
You don't have to wait for a courier! After applying, you immediately receive a virtual card that you can add to Google Pay or Apple Pay. From that moment on, you can pay with your phone or watch.
🛠️ How to get started?
In the Binance app, go to the Finance tab -> Card.
Go through the application process (requires a verified account).
Transfer funds from your Spot wallet to your Funding wallet.
Done! You can start shopping.
💡 Pro-Tip: In the card settings, you can choose the order of currencies from which the system should draw funds. You can set it to use USDT first, so you don't spend your Bitcoins on everyday purchases.
Have you already paid for coffee or fuel with crypto? Or are you still waiting for your card? Share your impressions in the comments! 👇
#BinanceCard #Kryptowaluty #Bitcoin #Finanse #Shopping #Visa #Cashback #Technologia #Investing
Many cryptocurrency skeptics claim that "you can't buy anything with it." It's time to set them straight! With the Binance Card, your crypto becomes as useful as funds in a regular bank account.
🛒 How does it work in practice?
The Binance Card is a debit card (physical or virtual) that you can use to pay at millions of locations worldwide – everywhere Visa is accepted.
You pay with crypto (e.g., BTC, BNB, or USDT), and the merchant receives local currency (e.g., PLN or EUR).
The conversion happens automatically in a fraction of a second at the moment of payment!
✨ Why is it worth having?
Cashback up to 8%: This is the biggest advantage. For every purchase, you can receive a refund in the form of BNB. The percentage of the refund depends on how much BNB you hold in your account.
No monthly fees: Binance does not charge fixed fees for maintaining the card.
Security: You manage the card from the app – you can block it or change limits at any time.
📲 Virtual Card vs. Physical Card
You don't have to wait for a courier! After applying, you immediately receive a virtual card that you can add to Google Pay or Apple Pay. From that moment on, you can pay with your phone or watch.
🛠️ How to get started?
In the Binance app, go to the Finance tab -> Card.
Go through the application process (requires a verified account).
Transfer funds from your Spot wallet to your Funding wallet.
Done! You can start shopping.
💡 Pro-Tip: In the card settings, you can choose the order of currencies from which the system should draw funds. You can set it to use USDT first, so you don't spend your Bitcoins on everyday purchases.
Have you already paid for coffee or fuel with crypto? Or are you still waiting for your card? Share your impressions in the comments! 👇
#BinanceCard #Kryptowaluty #Bitcoin #Finanse #Shopping #Visa #Cashback #Technologia #Investing
⚔️ Crypto VS Traditional Finance – who wins? 💰🚀
📌 Bank account vs Crypto wallet
🏦 Bank: access during business hours, transfer limits.
🪙 Crypto: 24/7, no borders, you control your funds.
📌 International transfers
🏦 Bank: business days, high fees.
🪙 Crypto: seconds or minutes, often for pennies.
📌 Inflation
🏦 Fiat: value decreases over time.
🪙 Bitcoin: limited supply – 21 million coins.
📌 Access to investments
🏦 Traditional markets: requirements, regulations, barriers to entry.
🪙 Crypto: anyone with internet can start.
📌 Risk
🏦 Banks: more stable, but dependent on monetary policy.
🪙 Crypto: high volatility, but also greater profit potential.
💬
If you had to choose today – keep everything in the bank or in crypto?
Why?
#Binance #Kryptowaluty #Bitcoin #Finanse #Blockchain
📌 Bank account vs Crypto wallet
🏦 Bank: access during business hours, transfer limits.
🪙 Crypto: 24/7, no borders, you control your funds.
📌 International transfers
🏦 Bank: business days, high fees.
🪙 Crypto: seconds or minutes, often for pennies.
📌 Inflation
🏦 Fiat: value decreases over time.
🪙 Bitcoin: limited supply – 21 million coins.
📌 Access to investments
🏦 Traditional markets: requirements, regulations, barriers to entry.
🪙 Crypto: anyone with internet can start.
📌 Risk
🏦 Banks: more stable, but dependent on monetary policy.
🪙 Crypto: high volatility, but also greater profit potential.
💬
If you had to choose today – keep everything in the bank or in crypto?
Why?
#Binance #Kryptowaluty #Bitcoin #Finanse #Blockchain
💸 Forget about high fees! Discover Binance Pay
Are you sending cryptocurrencies to friends? Or maybe you want to pay for coffee or a hotel using crypto? If you're still doing this through standard on-chain transfers, you're wasting time and money on network fees (gas fees).
It's time to get to know Binance Pay – a payment system that changes the game!
🌟 Why should you use Binance Pay?
0% Fee: Transfers between Binance users are completely free.
Instantness: Funds reach the recipient in seconds, regardless of whether they are in the next room or on the other side of the world.
Support for over 80 cryptocurrencies: You can send BTC, ETH, USDT, and even memecoins.
📲 How to send crypto to a friend?
It's easier than a traditional bank transfer:
Open the Binance app and tap the Pay icon (top right corner).
Click Send.
Enter the email, phone number, user ID (Binance ID), or scan the recipient's QR code.
Select the amount and currency. Confirm. Done!
🛍️ Where can you pay with it?
Binance Pay is not just for transfers between friends. More and more businesses accept this method:
Travel bookings: (e.g., Travala).
Gift cards: You can buy vouchers for Allegro, Netflix, or the App Store directly in the app.
In-store payments: Many physical locations around the world (and more in Poland) accept QR code payments through Binance.
💡 Fun fact: You can set a priority for the currencies you pay with. If you have USDT and BTC in your account, you can decide that the system will first use your stablecoins to avoid depleting your Bitcoin reserves!
Have you used Binance Pay for everyday payments? Let us know in the comments what you think! 👇
#Binance #BinancePay #Kryptowaluty #Bitcoin #Finanse #NoFees #Technology
Are you sending cryptocurrencies to friends? Or maybe you want to pay for coffee or a hotel using crypto? If you're still doing this through standard on-chain transfers, you're wasting time and money on network fees (gas fees).
It's time to get to know Binance Pay – a payment system that changes the game!
🌟 Why should you use Binance Pay?
0% Fee: Transfers between Binance users are completely free.
Instantness: Funds reach the recipient in seconds, regardless of whether they are in the next room or on the other side of the world.
Support for over 80 cryptocurrencies: You can send BTC, ETH, USDT, and even memecoins.
📲 How to send crypto to a friend?
It's easier than a traditional bank transfer:
Open the Binance app and tap the Pay icon (top right corner).
Click Send.
Enter the email, phone number, user ID (Binance ID), or scan the recipient's QR code.
Select the amount and currency. Confirm. Done!
🛍️ Where can you pay with it?
Binance Pay is not just for transfers between friends. More and more businesses accept this method:
Travel bookings: (e.g., Travala).
Gift cards: You can buy vouchers for Allegro, Netflix, or the App Store directly in the app.
In-store payments: Many physical locations around the world (and more in Poland) accept QR code payments through Binance.
💡 Fun fact: You can set a priority for the currencies you pay with. If you have USDT and BTC in your account, you can decide that the system will first use your stablecoins to avoid depleting your Bitcoin reserves!
Have you used Binance Pay for everyday payments? Let us know in the comments what you think! 👇
#Binance #BinancePay #Kryptowaluty #Bitcoin #Finanse #NoFees #Technology
Potential and future on the horizon
$TALE continues its systematic growth on Binance Alpha, and we are watching its potential with interest. Although listing on Binance Alpha is not the same as entering the spot market, it is an important signal from Binance that the project has promising prospects. The price increase reflects market expectations and hopes for future full listing. Will $TALE join the ranks of major players? Everything indicates so! Keep your finger on the pulse. #PrompTaleAI #Innowacje #Blockchain #AI #Finanse
$TALE continues its systematic growth on Binance Alpha, and we are watching its potential with interest. Although listing on Binance Alpha is not the same as entering the spot market, it is an important signal from Binance that the project has promising prospects. The price increase reflects market expectations and hopes for future full listing. Will $TALE join the ranks of major players? Everything indicates so! Keep your finger on the pulse. #PrompTaleAI #Innowacje #Blockchain #AI #Finanse
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