Trillion-dollar payment market targeted by Ripple XRP | Signal given by 72-second remittance proof

Оригинальный автор：경제저격수

Первоисточник：https://www.youtube.com/embed/jOKXrIaBqoY

We analyze the payment test signal that US dollars arrived in a Brazilian account in 72 seconds, and how the barriers to entry into digital assets and dollar tokens for banks have changed since the Federal Reserve's withdrawal of SR 23-8. [Key Insight] 1. The point of this video is not simply the XRP price forecast, but that “speed” and “relaxation of bank entry barriers” are moving simultaneously in the international remittance market. 2. The strongest number in the script is 72 seconds. Compared to existing international remittances that take an average of 2 to 5 days, the 72-second payment test is a strong signal that intuitively shows the practical usability of XRP. 3. Monica Long is the President of Ripple, and the payment-related clip she released is not just a promotion, but can be used as a trust device to show the direction of XRP-based payment infrastructure. 4. On April 24, 2025, the Federal Reserve withdrew its existing guidance regarding banks’ crypto-asset and dollar token activities. In particular, the disappearance of the nonobjection procedure in SR 23-8 means that a more flexible environment has been created than before when banks review dollar token-related business. 5. However, this is not complete cryptocurrency liberalization. The Federal Reserve's general supervisory framework will remain in place, and banks will still need to operate under the premise of risk management and regulatory compliance. 6. The reason XRP is attracting attention is not simply because of the coin price, but because it can be interpreted as a bridge asset that can solve speed, cost, and liquidity problems in cross-border payments. 7. The flow of disclosures of XRP holdings by public companies such as Digital Commodities Capital Corp can be interpreted as a signal that institutions are beginning to view XRP as a portfolio asset rather than simply a speculative asset. 8. Stablecoin players such as Circle's USDC are also moving towards the cross-border real-time payments market, but the logic of the script is that XRP is showing speed and payment test signals first in some areas. 9. Interest rates and the macroeconomic environment remain important. In areas where interest rates are high, it is difficult for funds to flow into risky assets quickly, but if signals of an interest rate cut and regulatory clarity come out simultaneously, the market reaction may change. 10. The key thing investors should look at is not the price alone, but whether actual banking services are launched, the regulatory direction of the Federal Reserve and SEC, the increase in institutional holdings, and the usage of XRP-based cross-border payments. #XRP #Ripple #Ripple #MonicaLong #Ripple President #XRPL #XRPledger #RipplePayments #Cross-border payment #International remittance #Bank payment #Stablecoin #USDC #RLUSD #Digital asset #Virtual asset #Cryptocurrency #Blockchain #Fintech #Digital finance #Institutional investment #Financial regulation #Fed #FederalReserve #SEC #Interest rate cut #Global payments #Investment risk management #Economic analysis [Reference materials and sources] 1. Federal Reserve, Withdrawal of crypto-asset and dollar token guidance https://www.federalreserve.gov/newsevents/pressreleases/bcreg20250424a.htm 2. Federal Reserve, SR 23-8 / CA 23-5 https://www.federalreserve.gov/supervisionreg/srletters/SR2308.htm 3. Federal Reserve, SR 22-6 / CA 22-6 https://www.federalreserve.gov/supervisionreg/srletters/SR2206.htm 4. FDIC, Agencies withdraw joint statements on crypto-assets https://www.fdic.gov/news/press-releases/2025/agencies-withdraw-joint-statements-crypto-assets 5. OCC, Interpretive Letter 1183 https://www.occ.gov/news-issuances/news-releases/2025/nr-occ-2025-16.html 6. Ripple official website https://ripple.com/ 7. Ripple Payments https://ripple.com/solutions/cross-border-payments/ 8. Ripple, Brazil expansion and Monica Long statement https://ripple.com/ripple-press/ripple-deepens-commitment-to-brazil-with-expanded-payments-offering-growing-customer-momentum-and-vasp-license-application/ 9. Ripple USD RLUSD https://ripple.com/solutions/stablecoin/ 10. XRP Ledger official website https://xrpl.org/ 11. XRP Ledger Transactions https://xrpl.org/docs/concepts/transactions 12. XRP Ledger Payment Transaction https://xrpl.org/docs/references/protocol/transactions/types/payment 13. https://xrpl.org/docs/concepts/transactions/transaction-cost 14. XRP Ledger Decentralized Exchange https://xrpl.org/docs/concepts/tokens/decentralized-exchange/ 15. https://www.sec.gov/securities-topics/crypto-assets 17. SEC official website https://www.sec.gov/ 18. CFTC Digital Assets https://www.cftc.gov/digitalassets/index.htm 19. Circle USDC https://www.circle.com/usdc 20. Circle Cross-border Payments https://www.circle.com/en/cross-border-payments 21. CoinMarketCap XRP https://coinmarketcap.com/currencies/xrp/ 22. CoinGecko Cross-border payments https://www.bis.org/cpmi/cross_border.htm 26. BIS, CBDC data https://www.bis.org/topic/cbdc.htm 27. Federal Reserve FOMC https://www.federalreserve.gov/monetarypolicy/fomc.htm 28. Federal Reserve Economic Data https://fred.stlouisfed.org/ 29. Freddie Mac Mortgage Rates https://www.freddiemac.com/pmms 30. For confirmation of Digital Commodities Capital Corp official data https://www.sec.gov/edgar/search/ [Disclaimer] This video is not an investment recommendation and does not recommend the purchase or sale of specific virtual assets. Cryptocurrencies and digital assets have very high price volatility and can result in large losses depending on regulatory changes, lack of liquidity, market sentiment, interest rate policy, and technology risks. The content covered in the video is an interpretation based on public data and market structure, and does not guarantee an increase in the price of XRP or the realization of a specific scenario. Contents related to the 72-second payment test, SR 23-8 withdrawal, institutional holding disclosure, and Monica Long's remarks must each be viewed as separate facts and interpretations, and actual commercialization and price impact must be further confirmed. All investment decisions and responsibilities rest with the investor.