Trump Fintech Order Reopens Fed Access Debate for Ripple & XRP
Tech Trump Fintech Order Reopens Fed Access Debate for Ripple & XRP Trumps Fintech Order Reopens the Fed Access Debate, Putting Ripple Back in Focus President Donald Trump‘s recent fintech executive has reopened a long-standing policy debate: who should have direct access to America’s core financial infrastructure? As highlighted by RippleXity, the is a review of the rules governing access to Federal Reserve payment systems such as Fedwire and FedNow. Today, those rails are largely limited to federally insured banks, meaning fintech and crypto firms must rely on partner banks to move money through the system indirectly. The order does not remove those restrictions. Instead, it instructs regulators, including the Federal Reserve, to reassess whether frameworks built for a traditional banking era still make sense in a financial system now defined by real-time payments, digital assets, and cross-border settlement demands. More importantly, this shift in tone is particularly relevant for companies like Ripple. Delving Deeper into Ripples Fed Ambitions Ripple has long focused on blockchain-based infrastructure for cross-border payments and settlement. In 2025, one of its regulated entities applied for a Federal Reserve Master Account, which if approved would allow direct access to central bank payment rails without relying on intermediary banks. The application remains under review, with no