This was one of the points made in the post on Ledarsidorna.se, where Ripple quietly but firmly pushed for having a Federal Reserve master account. This operation will allow Ripple Labs to issue and manage its own RLUSD stablecoin. This change has made Ripple a core part of the US payment system. This creation was unexpected by many, as mainstream financial institutions did not report the news. Ripple was working on expanding its regulatory reach in the US in 2025. The move was a sign of change, as stablecoin issuers have little ability to work directly with the Federal Reserve.
Ripple strengthened its position by building RLUSD around a bank-level compliance design. Master accounts could allow Ripple to settle payments without intermediaries. This speeds up processing across cross-border markets and reduces system costs. This progress proved Ripple’s long-term plan to become the backbone of global payments rather than a niche crypto project. This news caused a huge reaction in the financial industry, and its impact far exceeded the price fluctuations of XRP.
Ripple Prime grows with major acquisitions
In 2025, Ripple acquired Hidden Road (a $1.25 billion deal) and renamed it Ripple Prime. With this acquisition, Ripple becomes the world’s multi-asset prime broker. The company has expanded into a market that handles volumes equivalent to the country’s GDP. This growth has meant that Ripple Prime can offer institutions stocks, currencies, commodities, and digital assets on a single infrastructure. This consolidation has forced traditional brokers to modernize faster and introduced new competitive dynamics. This acquisition showed how Ripple intends to take over institutional finance by integrating blockchain rails with existing market structures.
The company used this to further develop RLUSD and gear it towards further penetration into managed financial markets. The move was related to Ripple’s larger goal of anchoring its stablecoin within traditional payment systems. The digital asset industry saw this acquisition as one of the biggest steps toward transforming institutional liquidity flows. Ripple has shown that crypto-native companies can acquire legacy financial institutions and quickly retrofit them. These developments have helped the company grow into a global system payment player.
Changes in central banks in the United States and Europe
These developments were related to the Swedish National Bank in the analysis. In late 2025, Sweden’s central bank changed its stance from skeptical to urgent regarding the regulation of stablecoins. This shift occurred as a result of U.S. policy changes in early 2025 that incorporated digital assets into national security and economic infrastructure. This policy change put a strain on European institutions such as national banks and the ECB. These institutions have discovered that the U.S. stablecoin system is accelerating at a faster rate than their own systems.
The post encouraged leadership reform, saying failure to act quickly would put Europe’s financial system at a disadvantage. Ripple’s rapid growth has proven that the international infrastructure race is no longer just an area of cryptocurrency talk. Discussions now turned to trading architecture, payment efficiency, and securities modernization. The analysis argued that Ripple is the focus of this change. The disruption has forced global regulators to be flexible. The traction of RLUSD and Ripple Prime created long-term structural effects on payment networks around the world.
Global finance is ready for structural adjustment
This post showed that the general change is not understood among many institutions. Ripple has entered the controlled international market. The company manipulated payment tracking, liquidity systems, and banking principles. The takeover and acquisition of the master account established a strong foundation for future control. This evolution has made it clear that crypto infrastructure has become an integral part of global finance. Investors, regulators, and policymakers have begun to reevaluate their strategies. Ripple’s move signals a restructuring that could define the global financial architecture beyond 2026.