{"id":39500,"date":"2025-08-01T15:11:04","date_gmt":"2025-08-01T13:11:04","guid":{"rendered":"https:\/\/www.coinpro.ch\/uncategorized\/banks-dont-use-xrp-at-all-this-obstacle-is-keeping-the-coin-small\/"},"modified":"2025-08-08T15:07:57","modified_gmt":"2025-08-08T13:07:57","slug":"banks-dont-use-xrp-at-all-this-obstacle-is-keeping-the-coin-small","status":"publish","type":"post","link":"https:\/\/www.coinpro.ch\/en\/news-en\/banks-dont-use-xrp-at-all-this-obstacle-is-keeping-the-coin-small\/","title":{"rendered":"Banks Don&#8217;t Use XRP at all? This Obstacle is Keeping the Coin Small"},"content":{"rendered":"<p>Do banks even use XRP? Although the cryptocurrency is intended for this role, whether this actually happens in practice raises questions time and again. Now even founder David Schwartz confirms: Institutions have hardly used XRP so far. Regulatory obstacles are to blame for this.   <\/p>\n<div class=\"row row-collapse align-middle row-comparison\"  id=\"row-425829388\">\n\n\n\t<div id=\"col-1119419667\" class=\"col medium-3 small-6 large-3 small-col-first\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\n  <div class=\"banner has-hover\" id=\"banner-711752820\">\n          <div class=\"banner-inner fill\">\n        <div class=\"banner-bg fill\" >\n                                                \n                    <\/div>\n\t\t\n        <div class=\"banner-layers container\">\n            <div class=\"fill banner-link\"><\/div>            \n\n   <div id=\"text-box-109228338\" class=\"text-box banner-layer text-box-circle x50 md-x50 lg-x50 y50 md-y50 lg-y50 res-text\">\n                                <div class=\"text-box-content text dark\">\n              \n              <div class=\"text-inner text-center\">\n                  \n\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_2145644966\">\n\t\t<a class=\"\" href=\"https:\/\/www.coinpro.ch\/XTB\" target=\"_blank\" rel=\"noopener\" >\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"547\" src=\"https:\/\/www.coinpro.ch\/wp-content\/uploads\/2023\/06\/XTB_neu-1024x549.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.coinpro.ch\/wp-content\/uploads\/2023\/06\/XTB_neu-1024x549.png 1024w, https:\/\/www.coinpro.ch\/wp-content\/uploads\/2023\/06\/XTB_neu-300x161.png 300w, https:\/\/www.coinpro.ch\/wp-content\/uploads\/2023\/06\/XTB_neu-768x412.png 768w, https:\/\/www.coinpro.ch\/wp-content\/uploads\/2023\/06\/XTB_neu-1536x823.png 1536w, https:\/\/www.coinpro.ch\/wp-content\/uploads\/2023\/06\/XTB_neu-2048x1097.png 2048w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\n<style>\n#image_2145644966 {\n  width: 80%;\n}\n<\/style>\n\t<\/div>\n\t\n\n\n              <\/div>\n           <\/div>\n                            \n<style>\n#text-box-109228338 .text-box-content {\n  background-color: rgb(255, 255, 255);\n  font-size: 100%;\n}\n#text-box-109228338 {\n  width: 100%;\n}\n<\/style>\n    <\/div>\n \n\n        <\/div>\n      <\/div>\n\n            \n<style>\n#banner-711752820 {\n  padding-top: 99.99%;\n  background-color: rgba(255, 255, 255, 0);\n}\n<\/style>\n  <\/div>\n\n\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1119419667 > .col-inner {\n  padding: 15px 15px 15px 15px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1631711776\" class=\"col col-comparison-description medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n\n<p>CFDs and real stocks in a trading platform with free deposits and no conditions - that's XTB.<\/p>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1631711776 > .col-inner {\n  padding: 15px 0px 0 15px;\n}\n@media (min-width:550px) {\n  #col-1631711776 > .col-inner {\n    padding: 15px 0px 15px 15px;\n  }\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1196495052\" class=\"col col-comparison-stars medium-2 small-6 large-2 small-col-first\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\n<p><span style=\"font-size: 200%;\"><strong>94%<\/strong><\/span><\/p>\n\n\n<span class=\"fsrs\"><span class=\"fsrs-stars\"><i class=\"fsrs-fas fa-fw fa-star \"><\/i><i class=\"fsrs-fas fa-fw fa-star \"><\/i><i class=\"fsrs-fas fa-fw fa-star \"><\/i><i class=\"fsrs-fas fa-fw fa-star \"><\/i><i class=\"fsrs-fas fa-fw fa-star \"><\/i><\/span><span class=\"hide fsrs-text fsrs-text__hidden\" aria-hidden=\"false\">5.0 out of 5.0 stars<\/span><span class=\"lining fsrs-text fsrs-text__visible\">5.0<\/span><\/span>\n\n<p><a href=\"https:\/\/www.coinpro.ch\/reviews\/xtb-erfahrungen\/\">Read review<\/a><\/p>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1196495052 > .col-inner {\n  padding: 15px 15px 15px 15px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-925515624\" class=\"col medium-3 small-12 large-3\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\n<a href=\"https:\/\/www.coinpro.ch\/XTB\" target=\"_blank\" class=\"button primary box-shadow-2 expand no-margin\" rel=\"noopener\"  >\n\t\t<span>Directly to XTB<\/span>\n\t<\/a>\n\n\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-925515624 > .col-inner {\n  padding: 15px 15px 15px 15px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n<\/div>\n<h2>Banks Don&#8217;t Use XRP at all? This Obstacle is Keeping the Coin Small <\/h2>\n<p>Banks don&#8217;t use XRP at all, even though the cryptocurrency was conceived as a coin for financial institutions? Investors are repeatedly asking themselves about the actual use of XRP. This debate recently flared up again on the short message platform X. This time, even XRP founder David Schwartz took a position.   <\/p>\n<p>The YouTuber <a href=\"https:\/\/x.com\/andreijikh\/status\/1950422878484386213\">Andrei Jikh<\/a> expressed doubts about XRP&#8217;s actual popularity on X. According to the developer Ripple, 300 banks are already committed to XRP. Jikh criticized that one could not notice anything from daily bank transfers in the billions.  <\/p>\n<p>Schwartz agrees with Jikh&#8217;s criticism. According to the XRP founder, it is regulatory problems that prevent institutional interested parties from finally taking the step onto the <a href=\"https:\/\/www.coinpro.ch\/en\/knowledge\/what-is-a-blockchain-basics-and-functionality\/\">blockchain<\/a>. <a href=\"https:\/\/www.coinpro.ch\/en\/knowledge\/what-are-cryptocurrencies-explanation-for-beginners\/\">Cryptocurrencies<\/a> such as XRP are used by banks, but primarily away from the blockchain and then settled between business partners in a payment channel \u2013 similar to <a href=\"https:\/\/www.coinpro.ch\/en\/knowledge\/what-is-the-lightning-network-scaling-solution-for-bitcoin\/\">Bitcoin Lightning<\/a>. <\/p>\n<blockquote><p>\u201cInstitutions have historically preferred to use digital assets outside the blockchain rather than within. I think we are on the verge of changing this as institutions gradually recognize the benefits of moving to the blockchain\u201d, says Schwartz.<\/p><\/blockquote>\n<p>Public blockchains are considered much more secure because they have a large number of independent participants. However, the regulatory influence, which has so far had a negative impact, is so great that even Ripple is partially excluded from using its own blockchain. In the USA, however, the political situation currently seems to be changing decisively.  <\/p>\n<blockquote><p>\u201cEven Ripple cannot yet use the XRPL DEX for payments because we cannot be sure that a terrorist is not providing the liquidity for the payment\u201d, Schwartz announces.<\/p><\/blockquote>\n<p>In the future, however, this problem will be solved by controlling the blockchain more strictly. Then only authorized users may take on certain tasks in order to meet regulatory requirements. <\/p>\n<blockquote><p>\u201cFeatures like authorized domains will fix this problem.\u201d<\/p><\/blockquote>\n<div class=\"brlbs-cmpnt-container brlbs-cmpnt-content-blocker brlbs-cmpnt-with-individual-styles\" data-borlabs-cookie-content-blocker-id=\"x-alias-twitter-content-blocker\" data-borlabs-cookie-content=\"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\">\n<div class=\"brlbs-cmpnt-cb-preset-b brlbs-cmpnt-cb-x\">\n<div class=\"brlbs-cmpnt-cb-thumbnail\" style=\"background-image: url('https:\/\/www.coinpro.ch\/wp-content\/uploads\/borlabs-cookie\/1\/cb-twitter-main.png')\"><\/div>\n<div class=\"brlbs-cmpnt-cb-main\">\n<div class=\"brlbs-cmpnt-cb-content\">\n<p class=\"brlbs-cmpnt-cb-description\">You are currently seeing a placeholder content of <strong>X<\/strong>. To access the actual content, click on the button below. Please note that data will be passed on to third-party providers.<\/p>\n<p> <a class=\"brlbs-cmpnt-cb-provider-toggle\" href=\"#\" data-borlabs-cookie-show-provider-information role=\"button\">More information<\/a> <\/div>\n<div class=\"brlbs-cmpnt-cb-buttons\"> <a class=\"brlbs-cmpnt-cb-btn\" href=\"#\" data-borlabs-cookie-unblock role=\"button\">Unlock content<\/a> <a class=\"brlbs-cmpnt-cb-btn\" href=\"#\" data-borlabs-cookie-accept-service role=\"button\" style=\"display: inherit\">Accept required service and unblock content<\/a> <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<script type=\"text\/plain\" data-tcf=\"waiting-for-consent\" data-id=\"20572\" data-bid=\"1\" data-placement=\"33872\">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<\/script><h2>Is XRP Made Pointless by RLUSD? Founder Denies <\/h2>\n<p>Since Ripple&#8217;s own stablecoin RLUSD came onto the market in December 2024, many users have expressed criticism. What does XRP do if RLUSD could serve as an alternative that should also maintain parity with the US dollar? <\/p>\n<p>As the native token of the XRPL, XRP naturally continues to have a unique purpose. Transactions via the network are paid with XRP. But that&#8217;s not all.  <\/p>\n<p>David Schwartz denies the criticism that XRP is losing users to RLUSD. This complaint is incorrect. Because: Institutions, just like private individuals, are interested in crypto investments. A stablecoin logically cannot fulfill this role.   <\/p>\n<p>Instead, XRP is an option. Anyone who wants to invest in the crypto market could therefore choose XRP, as Schwartz explains. Banks that have no interest in a crypto investment can acquire XRP in the short term and use it as an intermediary for cross-border money transfers \u2013 then other investors can benefit from holding the token.  <\/p>\n<blockquote><p>\u201cA bridge currency only works if someone holds it so that it can be used exactly when you need it. If you don&#8217;t know which coin you need next, you could simply hold the dominant bridge currency because it is cheaper to exchange it for what you need next\u201d, Schwartz argues for XRP.<\/p><\/blockquote>\n<p>The programmer also cites the fact that a stablecoin will always be subject to the influence of a government due to its fiat link as a counter-argument to stablecoins.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do banks even use XRP? Although the cryptocurrency is intended for this role, whether this actually happens in practice raises questions time and again. Now even founder David Schwartz confirms: Institutions have hardly used XRP so far. Regulatory obstacles are to blame for this. Banks Don&#8217;t Use XRP at all? This Obstacle is Keeping the&#8230;<\/p>\n","protected":false},"author":19,"featured_media":38968,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[17325,17318],"tags":[17353,17594,17644,17684,17686,17681,17773],"class_list":["post-39500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-en","category-recommendations","tag-adoption-en","tag-cryptocurrencies","tag-news-en","tag-regulation","tag-ripple-en","tag-rlusd-en","tag-xrp-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banks Don&#039;t Use XRP at all? This Obstacle is Keeping the Coin Small - CoinPro.ch<\/title>\n<meta name=\"description\" content=\"Are there really banks that use XRP? 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Founder David Schwartz explains why institutional adoption could increase soon.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.coinpro.ch\/en\/news-en\/banks-dont-use-xrp-at-all-this-obstacle-is-keeping-the-coin-small\/\" \/>\n<meta property=\"og:site_name\" content=\"CoinPro.ch\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/coinpro.ch\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-01T13:11:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-08T13:07:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.coinpro.ch\/wp-content\/uploads\/2025\/08\/Banken-nutzen-XRP-gar-nicht-Dieses-Hindernis-haelt-den-Coin-klein-Titelbild.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"1330\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lennard Merten\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@CoinproCH\" \/>\n<meta name=\"twitter:site\" content=\"@CoinproCH\" \/>\n<meta name=\"twitter:label1\" content=\"Verfasst von\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lennard Merten\" \/>\n\t<meta name=\"twitter:label2\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data2\" content=\"3\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.coinpro.ch\\\/en\\\/news-en\\\/banks-dont-use-xrp-at-all-this-obstacle-is-keeping-the-coin-small\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.coinpro.ch\\\/en\\\/news-en\\\/banks-dont-use-xrp-at-all-this-obstacle-is-keeping-the-coin-small\\\/\"},\"author\":{\"name\":\"Lennard Merten\",\"@id\":\"https:\\\/\\\/www.coinpro.ch\\\/en\\\/#\\\/schema\\\/person\\\/cc1c2cd74345587d89c09d281e001231\"},\"headline\":\"Banks Don&#8217;t Use XRP at all? 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