Ripple’s Big Ambition Revealed By CEO: A Future Challenger To JPMorgan?

According to Sal Gilbertie, CEO of Teucrium, Ripple could be closer to the kind of regulated bank that many in finance do not expect.

He told listeners that a clear US regulatory framework and a formal banking license for Ripple would be the real switch that unlocks big institutional interest in XRP. That idea is getting attention in crypto markets today.

CEO Sees Ripple As A Bank

Gilbertie compared Ripple’s organization to a financial institution with strong capital and coordinated leadership. He pointed out that Ripple’s network includes many former employees who stay active in the wider ecosystem, which he said helps the company expand even when people move on.

According to Gilbertie, the firm functions much like “a machine.” He also asked a sharp question about token sales:

“Why would they want to sell XRP? They’re incredibly well capitalized.”

That comment was offered to calm concerns that Ripple might flood the market with tokens.

Ripple’s Token Strategy And Reserves

Based on reports, Gilbertie believes Ripple has less motive to sell large amounts of XRP as its balance sheet grows and use cases for the token increase.

He framed XRP as a tool that could be used by institutional clients and a bank, noting that holding tokens could be similar to how banks keep capital reserves.

Critics point out Ripple has sold XRP in the past to fund operations. But Gilbertie argued that a licensed Ripple Bank would change how those holdings are treated and how often they are moved.

Regulatory Clarity And A Banking License

Regulatory clarity in the US is central to Gilbertie’s view. He said that a banking license, combined with clear rules, would open doors to products and clients who now wait on the sidelines.

That is the milestone he expects will have the most direct impact on price and demand. Until regulators spell out how these services will work, many institutional buyers remain cautious.

Market Moves And Volatility

Volatility has marked XRP’s recent path. Reports noted that some market swings are part of a broader trend where assets that surged by “hundreds of percent” in the prior year then give back gains.

Gilbertie described a 30–50% pullback as natural after big rallies. He added that falling volatility in major assets, plus more institutional entry through ETFs and a friendlier US administration toward crypto, may make markets calmer over time as more supply is held by long-term owners.

Featured image from Gemini, chart from TradingView