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Ripple\'s 38.5 billion XRP holdings could hinder bank adoption

A debate in the crypto community is growing over whether Ripple’s structure of holding 38.5 billion XRP could weigh on global banks’ adoption of XRP. Analyst Mason Versluis said Ripple could gain excessive financial influence if XRP prices surge, and argued banks examine market structure, token distribution and public perception. Others cited stablecoins’ predictability for payments and questioned XRP’s role as a global bridge asset.