Is XRP The Bitcoin For Banks?

Monicah W

The post Is XRP The Bitcoin For Banks? appeared first on Coinpedia Fintech News

Over the years, Ripple and its native token XRP have weathered waves of skepticism, controversy, and legal battles. But as 2025 unfolds, a growing number of experts, financial insiders, and crypto enthusiasts are beginning to ask a serious question: Is XRP becoming the “Bitcoin for banks” — the foundational digital asset for the future of global finance?

For many in the crypto space, Ripple has long been a polarizing topic. Critics often cite the events of 2017, when a flood of misinformation painted Ripple as centralized, overly corporate, and anti-crypto. Allegations of excessive control, fears of XRP being pre-mined, and speculation about its status as a security fueled skepticism that lingers with some investors even today.

But many of those narratives have since been debunked or disproven. XRP isn’t endlessly minted, it’s being burned with every transaction, and Ripple has established real-world partnerships with dozens of governments, central banks, and financial institutions. 

A Shift in Institutional Sentiment

In addition to its institutional partnerships, XRP has also caught the attention of investment firms and market regulators. In a recent crypto market update, it was revealed that over 17 different XRP-based investment products are currently awaiting regulatory approval — an indicator of growing institutional interest.

Meanwhile, financial powerhouses like BlackRock and tokenization-focused platforms such as Ono Finance are working alongside Ripple to build tokenized versions of traditional securities and other real-world assets. This collaborative momentum highlights how tokenization is poised to reshape not just crypto, but the broader financial markets.

Could XRP Really Become the Financial Base Layer for Banks?

Industry insiders and former U.S. financial officials have publicly entertained the possibility of XRP being used as the base layer for the U.S. national banking system or as part of a CBDC initiative. While official decisions are yet to be made, the discussion itself marks a shift from the hostility Ripple once faced.

The Bank for International Settlements (BIS) — often described as the “central bank of central banks” — has already collaborated with Ripple on CBDC projects and instant settlement solutions, signaling the token’s viability on a global scale.

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Coinbase Launches Verified Liquidity Pools For Institutional and Retail Traders

Coinbase announced Verified Pools, a new service intended to attract institutional users. These liquidity pools will offer clients a secure way to take advantage of high efficiency and native on-chain infrastructure.

Liquidity pools, in general, offer many of the same advantages, but they do not have sufficient security assurances for major institutions. The exchange hopes to provide security and confidence with proactive measures like KYC and sanctions screening.

What are Coinbase’s Verified Pools?

Coinbase, one of the largest crypto exchanges in the US, has been actively expanding its services under the current pro-regulatory shift.

Today, the exchange announced the introduction of Verified Pools, an institutional-grade service to enhance on-chain trades and swaps.

“Verified Pools is a curated selection of liquidity pools available only with the Coinbase Verifications credential. Verified Pools is the next step in Coinbase’s commitment to advancing the onchain ecosystem and generating the next wave of onchain adoption,” the firm claimed via social media.

Coinbase’s Verified Pools hope to solve an important issue for institutional investors in the crypto space.

Specifically, how can retail users or traditional institutions participate in DeFi despite significant barriers around compliance, counterparty risk, and operational complexity?

Sketchy exchanges and business practices are epidemic in the industry, and these institutions need real assurances.

Through Verified Pools, Coinbase addresses several of these concerns. It ensures that all participants of a liquidity pool are identity-verified using Coinbase’s verification system

The whole platform is powered by Base, Coinbase’s Ethereum-centric L2 blockchain solution. This means that the service is natively on-chain and can benefit from smooth transactions while ensuring security, transparency, and accountability.

Verified Pools offer a few other attractive features for Coinbase’s institutional clients. For example, the pools are non-custodial, allowing users to maintain control over their assets.

In the main, however, the exchange is trying to offer liquidity pools with all their advantages to institutional traders, which is uncommon. The main benefits are inherent to pools in general.

In short, Coinbase’s Verified Pools can offer liquidity, efficiency, and transparency while prioritizing user security and confidence. Moving forward, the exchange plans to expand asset coverage and trading pairs, integrate more DEX aggregators, offer the service in more countries, and more.

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Vitalik Buterin Responds to Charles Hoskinson’s Ethereum Criticism with Layer-Zero Update

The post Vitalik Buterin Responds to Charles Hoskinson’s Ethereum Criticism with Layer-Zero Update appeared first on Coinpedia Fintech News

Ethereum, one of the most widely used blockchain platforms, has faced increasing scrutiny over its scalability issues, especially with the rise of Layer-2 solutions. As more users turn to platforms like Arbitrum and Optimism, questions about Ethereum’s ability to handle increasing demand have been raised. Recently, Ethereum co-founder Vitalik Buterin



Full name

Vitaly Dmitrievich Buterin

Birth

31-01-1994, Kolomna, Russia

Education

University of Waterloo

Wife/Partner

To be updated / Not Married

Famous for

Ethereum, ETH, Blockchain advocate/promoter 

Net Worth

$1B (refer for realtime)

 
Buterin recognized the need for decentralized finance and used smart contracts to publish the Ethereum whitepaper.  His contributions paved the way for Ethereum’s transition to Proof-of-Stake, which proved to be scalable and effective. Furthermore, he introduced Ether (ETH), the blockchain platform’s native coin.
A Timeline of Vitalik’s Career

Co-founded Bitcoin Magazine (2011) – Established one of the first crypto publications, writing extensively on Bitcoin and blockchain.
Authored Ethereum Whitepaper (2013) – Proposed a blockchain with smart contract functionality for decentralized applications (dApps).
Co-founded Ethereum (2015) – Launched Ethereum after a successful $18M ICO, revolutionizing the blockchain ecosystem.
Developed Ethereum Virtual Machine (2015–2016) – Created the EVM, enabling developers to build and deploy smart contracts.
Worked on Ethereum Scalability (2017–2021) – Contributed to Layer 2 solutions like Rollups, Plasma, and Sharding.
Led Ethereum’s Transition to Proof-of-Stake (2018–2022) – Helped develop and implement Ethereum 2.0, merging the Beacon Chain in 2022.
Blockchain Research & Cryptography (2016–Present) – Focused on zk-SNARKs, privacy tech, and decentralized governance models.
Philanthropy & Crypto Advocacy (2017–Present) – Donated millions in crypto for pandemic relief, AI research, and financial inclusion.

 
Key Achievements of Ethereum’s Co-founder
 

Year 

Achievements

Details

2014

Thiel Fellowship

Awarded a $100,000 grant by Peter Thiel to work on Ethereum.

2018

Fortune 30 Under 30

Recognized as one of the most influential young leaders in technology.

2018

World Technology Award in IT Software

Honored for contributions to blockchain and Ethereum’s development.

2021

Time 100 Most Influential People

Recognized for his impact on the global crypto and blockchain ecosystem.

2022

Ethereum’s Transition to Proof-of-Stake

Successfully led Ethereum’s transition from Proof-of-Work to Proof-of-Stake.

 

Other Useful links to connect with Vitalik Buterin
 

Platform

Link

X (formerly Twitter)

https://twitter.com/VitalikButerin

GitHub

https://github.com/vbuterin

Ethereum Official Website

https://ethereum.org

Vitalik’s Blog

https://vitalik.ca

 
 

EntrepreneurCrypto and Blockchain Expert


has offered a timely response to those concerns, especially following strong criticism from Cardano’s founder, Charles Hoskinson



Full Name

Charles Hoskinson

Birth

05-11-1987 in Hawaii, United States

Nationality

American

Education

University of Colorado Boulder, Metropolitan State University of Denver

Marital Status

Unmarried as of 2025

Net Worth

Estimated around $700 million

Charles Hoskinson’s work in cryptography, digital assets, and blockchain promotion has recognized him in the crypto. His efforts in developing blockchain have greatly contributed to the advancement of DeFi and blockchain networks globally.
Charles Hoskinson – Professional Career Timeline

2013 – Co-founded Ethereum (ETH), contributing to smart contracts and decentralized applications.
2014 – Left Ethereum over governance disputes and founded IOHK (Input Output Hong Kong).
2015 – Started developing Cardano (ADA), a third-generation blockchain with a proof-of-stake (PoS) model.
2017 – Launched Cardano mainnet, introducing scalable and secure blockchain solutions.
2019 – Led Cardano’s Shelley upgrade, enhancing network decentralization and staking rewards.
2021 – Rolled out Alonzo hard fork, enabling smart contracts and DeFi on Cardano.
2022 – Expanded Web3, governance, and blockchain adoption via Cardano’s Vasil hard fork.
2023 – Advocated financial inclusion and blockchain education in Africa and developing nations.
2024 – Advanced self-sovereign identity and on-chain governance with Cardano’s latest updates.
Present – Continues shaping blockchain innovation, DeFi, and decentralized ecosystems through IOHK.

He has collaborated with various tech experts and blockchain startups. Charles sees decentralized finance as a tool for financial freedom. He also educates crypto beginners through social media sites, conferences, and tech channels.
Useful Links to Connect With Charles Hoskinson

Platform

Link

X (formerly Twitter)

Charles Hoskinson (@IOHK_Charles) / X

LinkedIn profile

Charles Hoskinson – Self-employed | LinkedIn

Cardano Foundation

Cardano Foundation

YouTube profile

https://www.youtube.com/c/charleshoskinson

Chief Executive Officer

.

“I don’t think Ethereum will survive more than ten or fifteen years. The Layer-2s will drain all the value, and users will migrate elsewhere, eventually getting eclipsed by Bitcoin,” said Charles Hoskinson.

Vitalik Buterin’s Layer-Zero Update

Buterin responded directly to Hoskinson’s comments, which predicted Ethereum’s collapse within 15 years if it continued relying heavily on Layer-2 solutions. In a bid to address these scalability challenges, Buterin unveiled an exciting Layer-Zero upgrade. This proposal suggests transitioning Ethereum from the traditional Ethereum Virtual Machine (EVM) to a more efficient zkVM system, based on RISC-V standards.

The upgrade promises major improvements, including up to 832 times fewer cycles than the current EVM and a 95.7% reduction in proving cycles. These advancements are expected to increase throughput by 30 times through GPU acceleration, significantly improving the network’s efficiency. Plus, proof compression could shrink from 346MB to just 1.5MB, creating a much more streamlined system.

A Path to Ethereum’s Long-Term Growth

However, this Layer-Zero update could potentially reshape Ethereum’s scalability, offering a new path forward that doesn’t rely on Layer-2 solutions. By improving the Ethereum base layer, Buterin’s proposal could reduce transaction fees and increase Ethereum’s competitiveness, especially against newer blockchain technologies.

While still in the proposal stage, this update could greatly enhance Ethereum’s long-term viability and set the stage for future growth, addressing both scalability issues and concerns raised by critics like Hoskinson.

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The post Vitalik Buterin Responds to Charles Hoskinson’s Ethereum Criticism with Layer-Zero Update appeared first on Coinpedia Fintech News
Ethereum, one of the most widely used blockchain platforms, has faced increasing scrutiny over its scalability issues, especially with the rise of Layer-2 solutions. As more users turn to platforms like Arbitrum and Optimism, questions about Ethereum’s ability to handle increasing demand have been raised. Recently, Ethereum co-founder has offered a timely response to those …