Could XRP Revolutionize Finance? Experts Debate ‘Bitcoin for Banks’ Potential

For years, Ripple and its XRP token have faced skepticism from critics who claim it’s centralized and anti-crypto. But as 2025 unfolds, a growing number of experts and enthusiasts are asking: Could XRP become the financial backbone for banks — much like Bitcoin serves as the foundation for crypto? This question is gaining traction with institutions and investors alike. 2017’s controversies cast doubt on Ripple’s role, fueling arguments about pre-mined supply and control over XRP. But with real-world partnerships securing its legitimacy across governments, central banks, and financial institutions, the narrative has shifted significantly.