Banks Risk 30% of Profits as Ripple Builds One-Stack Tokenization Infrastructure

What happened

Ripple and SettleMint are building a single bank platform that combines custody, issuance, and compliance for digital assets. A BCG warning says digital assets could put 30% of bank profits at risk, according to the article.

Confirmed

Global impact / market context

If banks adopt this one-stack system, they might shift capital spending from separate systems to Ripple’s platform. However, the warning suggests banks could lose profit per sale in traditional services, pushing them to adapt or partner, which affects their revenue and costs.

Analyst inference

This news could pressure banks to invest in digital asset infrastructure, potentially boosting demand for Ripple’s XRP token. Investors might see banks facing higher compliance costs, but also new revenue streams, changing how they view the banking sector’s future.

Analyst inference

What to watch

1. Watch whether Ripple and SettleMint actually launch this combined bank stack, as the article only states they are building it, not that it is complete or live. Confirmed
2. Watch for any announcements from major banks about adopting these digital asset services, which could show real adoption and impact on their capital spending plans. Proposed
3. Watch for BCG’s full report, since the article only mentions a warning, and the details might explain which bank profit areas are most at risk, like payments or custody. Analyst inference

Affected assets

• XRP — XRP

Evidence

• coinpaper.com