More than 40 banks afraid of Ripple XRP

Original author：MemeCoins Ductor Marcus

Original source：https://www.youtube.com/embed/WXwZi8P1chg

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You knew that 42 major American banks are opposed to Ripple to get federal bank license in the United States. They claim concerns with lack of regulatory clarity and insufficient review period.

? Scenario Analysis
These publications confirm that Ripple's attempt to obtain a federal bank license, announced on July 2, 2025, generated a significant reaction from the traditional banking sector led by BPI and ABA. The main concerns revolve around:
Regulatory clarity: Banks argue that Ripple's business model, blockchain centered and stablecoins, does not align with the traditional definitions of fiduciary activities required for a fiduciary bank license.
Competition: The resistance reflects fears that Ripple, with its Stablecoin RLUSD and the ODL service, can challenge banks' dominance in transfronist payments, a high margin market.

?Publications also highlight the context favorable to Ripple:
Genius Act: Approved by the US Senate in May 2025, the bill establishes clear standards for StableCoins, requiring federal supervision for companies such as Ripple, which supports its search for a license.

Regulatory Support: An White House report of July 2025 advocates clear rules to facilitate crypto companies to obtain bank licenses and access to the Federal Reserve, suggesting a more friendly regulatory environment.

Market Feeling:
The opposition of banks as a sign that Ripple represents a significant threat to the traditional financial system.
The dispute reflects a broader tension between traditional finances and Blockchain innovation, with significant implications for the future of Ripple and XRP.

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