XRP news today: Crypto Investor Mr. Man Predicts Global Financial System Overhaul by 2026
2min read Crypto investor Mr. Man has published a statement on X outlining his perspective on the ongoing reconstruction of the global financial system. He describes this transformation as a gradual replacement happening from within, rather than a violent revolution or collapse. Mr. Man highlights the role of Ripple, XRP, RippleNet, and RLUSD in this new system, emphasizing the fusion of technology, regulatory alignment, and behavioral conditioning to alter how money is used, controlled, and accessed.
According to Mr. Man, this process involves the emergence of a new kind of money that is programmable, trackable, and capable of executing logic through smart contracts. Unlike traditional digital money, this form is more sophisticated, conditional, and interactive. These tokens can contain information about ownership, allowed destinations, and movement conditions. While mainstream attention focuses on cryptocurrencies like Bitcoin and Ethereum, Mr. Man argues that the more significant shift is in the institutional integration of networks such as Ripple, stellar, Chainlink, Axelar, and XinFin. These technologies are becoming embedded in the financial system’s underlying infrastructure without public recognition.
Mr. Man describes the current financial system as outdated, built on delayed settlement, correspondent banking relationships, and paper-based trust mechanisms. This model is being replaced by an interoperable, real-time, and compliant-by-design system. Transactions in the emerging system will be attached to metadata, identity-linked trust scores, and policy logic, transforming money into an interactive tool that reports, obeys, and adapts to programmatic constraints.
Ripple’s role in this transformation is foundational, not just because of XRP, but because of RippleNet and RLUSD. These act as liquidity bridges between legacy financial institutions and the developing programmable environment. Mr. Man also names Sygnum and LCX as key players in asset tokenization, transforming traditional financial instruments like stocks and bonds into digital assets that can be traded or stored in programmable wallets. Institutions such as CME and Hidden Road manage institutional-grade liquidity and risk, while Bitstamp and Robinhood serve the retail segment by offering the perception of access, directing retail activity toward systems that are increasingly monitored and restricted.
Mr. Man claims that a new financial operating system is already being put in place, introduced in stages during crises or alongside regulatory shifts. He points to ISO 20022 messaging standards, real-time payment infrastructure, centralized identity frameworks, and cross-border regulatory convergence as mechanisms coordinating the rollout. Basel III, he says, goes beyond capital adequacy and serves as a locking mechanism for defining value and enforcing liquidity requirements. According to his post, this entire transition is set to be formalized by January 2026 — a moment he calls “The Endgame.”
Mr. Man contends that while this new system is being prepared for institutional use, retail investors are being led into it passively. Platforms such as Bitstamp and Robinhood give consumers an impression of participation, but the core rails are being reserved for permissioned wallets, institutions, and regulated digital instruments. Under this system, money can include conditions, such as expiration dates, and may look like benefits, subsidies, or other restricted-use instruments. He cautions that this structure can empower only if users have full control and transparency over the rules.
To underline the psychological aspect of this transition, he references the quote from Hamlet: “Nothing is either good or bad, but thinking makes it so.” He claims that most people remain unaware of the depth of these changes due to distractions, including inflation, elections, and cultural conflict. He warns that by the time the system becomes fully active, access and participation rules will already be established.
In closing, Mr. Man asserts that this evolution is nearly complete and waiting only for activation. Those who understand its mechanics and position themselves accordingly — through digital identity sovereignty, regulated asset rails, and tokenized yield — will benefit from the shift. He said others will enter the system passively, driven by crisis, convenience, or policy.
