7 December 2025
While Ripple has been associated with lawsuits and strict regulations in recent years, 2025 seems to be the year in which the technology finally breaks through at major banks. Sentiment has completely changed; political support and renewed interest from financial institutions such as Bank of America play a crucial role in this.
The US banking sector is currently undergoing a dramatic shift. Financial institutions that have been hesitant or even skeptical for years are now actively seeking to collaborate with Ripple. Bank of America CEO Bryan Moynihan has even suggested that they are “all in.” This powerful statement shows how seriously these parties are embracing Ripple’s technology — and potentially XRP — now regard as an essential part of their long-term strategy.
A key driver of this change is the removal of SAB 121, a rule that previously hindered US banks from offering crypto custody. With these obstacles removed, the path appears clear for widespread adoption of the technology.
Recent political developments in the United States have also had a major impact. With the return of Donald Trump to the political scene and his clear positive attitude towards crypto, the atmosphere among regulators such as the SEC changed. Not only has the SEC dropped its lawsuit against Ripple, but discussions are underway about a broader integration of crypto into our financial system.
Ripple President Monica Long is optimistic, noting that “the floodgates are going to open this year” — music to the ears of the XRP community, in my opinion. After years of stagnation, XRP’s price is steadily climbing again, and speculation is rampant about a potential ETF filing from BlackRock. While no such filing has been formally made, recent conversations with the SEC indicate serious interest.
These developments come at the right time. Ripple has been working on new applications for some time, including stablecoin integrations and international payment solutions. Now that the political and financial climate is cooperating, these innovations can finally be rolled out more quickly.
With major players like Bank of America and potentially BlackRock on board, the era of doubt seems to be over for good. What was once an uphill battle against regulation is quickly turning into a race towards mass adoption. If this momentum continues, XRP’s market cap could even surpass its highest level since 2018. And who knows, maybe one day we’ll be able to buy our lunch with crypto without a second thought!
How has the abolition of SAB 121 impacted crypto adoption by banks?
The removal of SAB 121 has allowed banks to offer crypto custody without previous restrictions, opening the door to broader adoption of crypto technologies like Ripple’s.
What is the role of political support in Ripple's rising popularity?
Recent political changes, particularly Donald Trump’s positive stance on crypto, have led to a change in the attitude of regulators such as the SEC, resulting in more openness to crypto integration into the financial system.
Why is BlackRock's potential ETF filing considered important for XRP?
An ETF filing from BlackRock could spur a significant inflow of institutional capital into the crypto space, further accelerating XRP adoption and giving its price a solid boost.
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