XRP Day Hoops, Trillions, and a Fed Master Account: Ripple’s Big Show

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XRP Community Day Highlights

Ripple rolled out XRP Community Day with the flair of a Mel Brooks sci‑fi musical: XRP isn’t a mere accessory to the business, it’s the chandelier, the marching band, and the guy who yells “Let there be liquidity!” all at once. The whole product stack, the regulatory posture, and the institutional roadmap are being choreographed around that one star-XRP-while the audience keeps shouting, “Encore, but make it regulated!”

CEO Brad Garlinghouse hit the stage and aimed for the rafters: there will be a trillion‑dollar crypto company, and maybe there’ll be more than one-because in this economy, why settle for a single empire when you can have a couple of empires wearing plaid? It’s not about the price, it’s the rails, the liquidity, and the enterprise distribution XRP could hitch to as it sashays deeper into legacy finance.

Policy was the second pillar, not a back‑alley brawler. Garlinghouse tossed out odds on the CLARITY Act: about 75% chance it’ll be “very close to getting signed by the end of April.” It’s regulation as a punchline-the joke is on the delay, and the payoff is a compliant, thriving market.

Then came the marketplace gymnastics. He reconciled volatility with institutional appetite, pointing to ETF flows during a rough week: “I believe in a multi‑chain world. Even last week, when markets were doing the cha‑cha with carnage, there were positive XRP ETF inflows of $30-$40 million. Public markets want to invest in crypto. Customers want it.” It’s a tragedy with a laugh track, folks.

The compliance posture was pitched not as a wall but as a moat: “We want to be the most regulated, the most compliant, because we’re focused on institutional flows-that is the priority.” The OCC charter is framed as a GENIUS Act‑level badge of honor, proving that regulation isn’t a cost center but the secret sauce for winning mandates, counterparties, and distribution in the big leagues.

There was a wink toward the Fed Masters Account. “There’s been speculation about what we could do in the future,” Garlinghouse said. “There’s talk of a Fed Master Account, which we do find compelling. And there are things we may do in the future that I’m not going to go into today.” He anchored the optimism in trajectory: conditional OCC approval and engagement represent “massive progress relative to where we started this journey.”

On XRP itself, the thesis felt as clean as a well‑rehearsed punchline: “XRP is the north star for Ripple. It’s our purpose.” He tied Ripple Payments, Ripple Prime, Ripple Treasury, custody, and RLUSD to a single objective: how to drive utility, trust, and liquidity around XRPL. It’s a one‑ring circus, and XRP is the star who never leaves the stage.

President Monica Long expanded that into an execution roadmap: “We’re rewinding the tape to the founding of the company, like XRP and the Ledger are our reason for being. We call it our North Star-what guides us in product strategy and decision‑making.”

Three institutional‑flavored pushes followed: bring more licensed payments flow onto the XRPL DEX; a “payments credit” concept that matches payment‑provider financing needs with XRP holders seeking yield via a proposed lending protocol amendment; and growing custody demand as banks move beyond safekeeping into tokenization of deposits, funds, and traditional securities. In short, it’s a high‑tech heist montage with a happy ending for the ledger.

At press time, XRP traded at $1.38.

XRP price chart and XRP logo comedic montage

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2026-02-12 15:41