XRP News Today: Banks Delay XRP Adoption Due To Regulatory Uncertainty And Infrastructure Upgrades

Banks are intentionally delaying the adoption of XRP, according to a recent tweet by crypto commentator “All Things XRP.” The tweet suggested that banks are not hesitating due to confusion or reluctance, but rather to ensure they can fully capitalize on the digital asset. 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…”

The tweet sparked a range of responses from the XRP community, with many members offering alternative explanations 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 emphasized that regulatory uncertainty and the alignment of financial infrastructure are the real reasons why banks have not adopted XRP at scale.

Michael pointed out that the lack of established stablecoin legislation in the United States presents a key barrier to institutional involvement. He noted that 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.”

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. The community's discussion highlights the complex interplay between regulatory frameworks, technological infrastructure, and legal considerations that influence the adoption of digital assets like XRP by financial institutions.