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XRP is moving beyond speculation and into everyday banking as Uphold’s neobanking strategy takes shape, bringing Ripple, rewards, and regulation into focus. In this interview, we break down how Uphold’s leadership connects neobanking, tokenized deposits, and XRP as traditional finance converges with blockchain rails. From regulation and cross-border payments to rewards and stablecoins. Timestamps 00:00 Welcome and introduction to Uphold neobanking 00:43 Raj Viroja background and transition from traditional banking 01:38 Uphold debit card rewards and XRP community loyalty 02:28 What neobanking actually means for crypto users 03:26 Banking convergence and the shift away from branches 04:38 Instant payments and global settlement vision 06:20 Why Uphold listed XRP early 07:16 Uphold decision to support XRP during the SEC lawsuit 09:10 Tokenized deposits vs ACH and wire transfers 11:13 Ripple, XRP liquidity, and cross-border payments 15:11 XRP, stablecoins, and RLUSD working together 21:50 XRP rewards, debit card spend, and direct deposit 26:15 Upcoming Uphold neobanking announcement teaser 30:38 Regulation, institutions, and crypto banking adoption If you follow payments infrastructure, digital banking, or institutional digital asset adoption, this discussion provides important context for how crypto is integrating into everyday finance — and why XRP continues to play a role in real-world payment systems. 🔥Thanks for supporting the channel. Like, share, and comment if this helped clarify what’s really happening. 💳 Trade, Spend & Earn XRP Rewards Uphold - Accessing XRP & earning XRP rewards. U.S. Debit Card: https://uphold.sjv.io/559kj9 Uphold Website: https://uphold.sjv.io/dOmGMq 🔸4% on elite card / 2% on virtual card🔸 🔗Contact & Collaborations Business: cryptosensei@cryptonairz.com Collabs: BD Manager - @Jaalyn_T (Telegram) Collab Form: https://forms.gle/E6fskio5BBvd4zVn9 Social Links: https://linktr.ee/Crypt0Sensei (YouTube partnerships & brand deals only - no agencies) 📰FREE XRP Newsletter: https://joincryptonairz.com/Newsletter ❗Full Legal & Regulatory Disclaimer https://docs.google.com/document/d/1T... #xrp #uphold #paymentsinfrastructure #cryptobanking #digitalpayments #institutionalcrypto