The Headline Everyone Missed: This Isn’t Just About XRP SoFi’s decision to allow 13.7 million users to deposit XRP, Bitcoin, Ethereum, and Solana is being framed as a leap forward for crypto adoption. That’s only half the story. The other half—the part most people ignore—is that SoFi operates under a federal banking charter, directly overseen by regulators. This means crypto is no longer operating outside the system. It’s being pulled inside it. And once your assets are inside regulated infrastructure, they are no longer just “yours” in the way most investors assume. FedNow, CBDCs, and the Rise of Programmable Money To understand why this matters, you have to zoom out. The rollout of the FedNow payment system marked a major…
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