Ripple’s long-running strategy is to embed its technology across the world’s financial plumbing—piece by piece and across multiple functions—according to Phil and Dom Kwok, the brothers behind the Easy app, in a new appearance on the Paul Barron Show. The founders characterized what they called “the Ripple plan” as a coordinated effort to place XRP Ledger–based infrastructure and the company’s software wherever institutions already operate, rather than trying to disintermediate them.
Ripple Follow’s Meta’s Blueprint
Talking about Ripple’s acquisitions of Metaco, Standard Custody, Hidden Road and Rail, Dom Kwok framed the objective as coverage across brokerage, treasury, and stablecoin rails, arguing that the cumulative effect—rather than any single deal—reveals the intent. “Ripple really wants to have, you know, the XRP ledger and its tentacles really on the whole financial infrastructure that powers the world,” he said.
“So obviously, Hidden Road on the brokerage side, G-Treasury just now on the treasury side. Rail as well on the stablecoin side. And I think, once you start to see all of those different pieces come together, that’s really where you’re going to start to see sort of the power of what they’ve been building over the last many years.”
He added that the goal is ubiquity across touchpoints: “no matter which bit of the financial infrastructure someone is interfacing with, they are ultimately, indirectly, even if they don’t know it, touching, an aspect of Ripple’s tech.”
To illustrate the roll-up logic, Dom pointed to how large tech platforms expand into adjacency through acquisitions and integrations: “A great example is Facebook, which is now obviously called Meta. They bought Instagram, then they bought WhatsApp… these are standalone companies that were then rolled up and actually became much more valuable once they all came together.”
In his view, the analogy fits because end users may not realize they are engaging with a common underlying platform when interacting with seemingly distinct brands—a dynamic he suggested the company is replicating in finance.
‘The Ripple Plan’
Pressed by host Paul Barron on whether the recent moves reflect a coherent long-term strategy or opportunistic deal-making, Phil Kwok emphasized continuity with Ripple’s institutional, incremental approach, while stopping short of revealing anything not already public.
“I don’t want to say anything that’s not, you know, public yet,” he cautioned, before outlining the philosophical through-line: “If you… look at Ripple’s approach, it’s always been different to the traditional sort of… cypherpunk sort of approach.”
He contrasted Bitcoin’s cypherpunk strand with Ripple’s posture of building with incumbents: “The whole ethos behind Ripple and where it came from was, we need to build on what’s come before… We’ve got to work with the existing financial system.” Citing what he described as Chris Larsen’s consistent message, Phil added: “there has never been a big technological shift, which hasn’t built on what’s come before.”
Phil suggested that the company’s decade-long execution has been aimed at interoperability with banks and financial institutions rather than displacement. “It’s been to work with banks rather than to actually try and say, look, we’re going to completely put banks aside,” he said.
What’s @ripple trying to do here? @dom_kwok @kwok_phil @paulbarron explain The Ripple Plan pic.twitter.com/XHh9uXef6r
— Digital Asset Investor (@digitalassetbuy) October 21, 2025
“We’re going to work together with banking institutions… And so I think that what you’re starting to see right now and what we can talk to publicly is… this strategy really coming into the fore. And you’re starting to see Ripple make big moves to actually capture that and cement what it’s been building over the past decade.”
In Dom’s words, the destination is an environment where, across “the whole financial infrastructure that powers the world,” interacting entities are “indirectly… touching… an aspect of Ripple’s tech.”
At press time, XRP traded at $2.40.
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