Ripple Smashes Into 2025’s Elite Fintech Rankings – Here’s Why It Matters

Ripple just bulldozed its way onto the most prestigious fintech leaderboard of the year – leaving traditional banks scrambling to justify their legacy systems.

The underdog that wouldn’t die

While Wall Street still debates whether crypto has 'real utility,' Ripple’s XRP-powered corridors now move more value than some mid-tier banks. Take that, Jamie Dimon.

Regulatory chess moves

After surviving the SEC’s legal onslaught, Ripple’s compliance-first approach became the blueprint for crypto-fintech hybrids. Guess who’s laughing now?

The real kicker?

Ripple’s ascent proves that blockchain infrastructure – when actually useful – can outmaneuver even the most well-funded fintech darlings. But don’t expect your local bank manager to admit it over their $25 latte.

Top 2025 Fintech Honors Go To Ripple

Fintech is flourishing, and Ripple, a technology company, is at the forefront of this renewed wave. In a recent report, it was revealed that the firm has received official recognition as one of the top fintech companies in the world.

The 2025 survey, which includes fintechs both big and small across seven different market segments, was carried out by CBNC and Statista. Ripple’s appearance among the 2025 top fintech companies marks a major milestone in its evolution from a blockchain-based payment network to a global financial technology leader.

Furthermore, this distinguished award emphasizes the firm’s ongoing innovation in enterprise blockchain adoption, cross-border payments, and its expanding impact on the direction of digital finance. The payment company has taken to the social media platform X to celebrate this notable achievement and landmark. 

According to the report, this milestone marks the third consecutive year for the firm as one of the world’s top fintech companies. “We’re honored to be named one of CBNC’s World’s Top Fintech Companies for the third year in a row,” the company stated.

Thus far, the company has expressed its appreciation for this recognition. Ripple stated that this milestone demonstrates our continued dedication to creating the Internet of Value and revolutionizing global financial transactions.

A Shift Into The Banking Sector

It is worth noting that this significant milestone comes as the firm takes a step forward into the banking landscape. “True to our long-standing compliance roots, Ripple is applying for a national bank charter from the OCC,” Ripple CEO Brad Garlinghouse stated. 

According to the CEO, if authorized, the payment company would have federal and state oversight (through NYDFS), which would set a new and distinct standard for confidence in the stablecoin market. His statement follows the team application for a national bank license, joining the swarm of cryptocurrency businesses attempting to bridge the gap into traditional finance.

In addition, the firm has applied for a Fed Master account through Standard Custody, while banks are leaning in, and Congress is moving toward clear rules and regulations. Garlinghouse highlighted that this access would give the team the ability to hold RLUSD reserves with the Federal Reserve (Fed) directly, and add another degree of protection to RLUSD’s future proof of trust.

The CEO concluded by saying that building reliable, secure, and tried-and-true infrastructure has always been a priority for the company. “In a $250B+ market, RLUSD stands out for putting regulation first, setting the standard that institutions expect,” he added.