There’s no shortage of articles, tweets, and YouTube videos claiming to explain XRP. But more often than not, they miss the mark completely. Influencers keep getting XRP wrong- not because the information isn’t out there, but because most of them don’t actually understand how the global financial system works.
Take one of the latest examples: an article titled “Are Banks Using XRP? The Truth Behind Ripple’s Banking Partnerships.” It asks the right question, but from the wrong angle. These writers obsess over price charts, market cap rankings, and headlines without ever digging into the real infrastructure that’s being built behind the scenes.
Let’s set the record straight: just because banks don’t hold XRP on their balance sheets doesn’t mean they’re not using it.
— Versan | Black Swan Capitalist (@VersanAljarrah) July 3, 2025
Here’s how it really works. Ripple built two layers:
- RippleNet – a messaging and infrastructure system banks use first.
- ODL (On-Demand Liquidity) – this is where XRP comes in, but only when it’s actually needed.
This is what Versan from Black Swan Capitalist calls “programmatic liquidity.” It means XRP doesn’t need to sit idly on a bank’s balance sheet. It’s used in real-time, on-demand. It flows in, settles the transaction, and flows out – all in seconds. Think of XRP not like gold that sits in a vault, but more like digital oil that moves through pipes when you need liquidity fast and without friction.
And that’s the point so many influencers miss.
They don’t understand how institutions move money, or how cross-border FX corridors actually function. They never ask the deeper questions – like why the world needs a neutral bridge asset in the first place. Instead, they reduce the conversation to “but the price hasn’t gone up.”
Well, here’s the truth: price doesn’t equal utility. Especially in a system that isn’t built for retail speculation, but for global liquidity at scale. As Versan puts it,
“The scary part isn’t that these writers are just wrong. The scary part is that they’re confidently misinformed and misleading hundreds of thousands of people.”
While these articles focus on the U.S. or Europe, XRP is already settling real volume in places where it matters most – Asia, Latin America, Africa, and the Middle East. These are regions where traditional liquidity is fragmented or expensive. XRP works there because it solves a real problem: instant, affordable access to value.
And while critics laugh at its low price or compare it to meme coins, they ignore what’s actually happening in the background. The rails are being built. Institutions are preparing for a future where money needs to move faster, cheaper, and across borders without creating systemic risk.
XRP is part of that solution.
Read also: Why Everyone’s Wrong about the XRP Multiplier Effect
It’s not a retail pump-and-dump coin. It’s financial infrastructure – neutral, programmable, and ready for the next shift in how global liquidity is managed.
So next time someone asks, “Are banks using XRP?” – you’ll know the answer.
Yes, they are.
Just not in the way most influencers expect.
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