XRP’s FUD: A Scam or a Sideshow?

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Ah, the eternal struggle between the purveyors of FUD and the valiant defenders of XRP. Bill Morgan, that paragon of legal acumen, has deftly dismantled the baseless accusations of those who dare to label XRP a “shitcoin”-a term as vulgar as it is misguided.

Bill Morgan says XRP scam claims ignore regulatory reality

Indeed, Morgan’s words echo the sentiments of a fellow advocate, @589CTO, whose meticulous documentation of Ripple‘s regulatory compliance is as thorough as it is enlightening.

Morgan argues that real scammers do not beg regulators to inspect them; rather, they hide in the shadows. He pointed out that Ripple is endlessly seeking licenses across the globe, and its activities are within regulated frameworks of the law. One might argue that true scammers, those elusive specters of the financial world, do not prostrate themselves before regulators like supplicants. No, they slink away into the shadows, leaving behind only whispers and broken promises.

He maintains that Rippleā€™s operation has been transparent and open to regulatory oversight and cannot be described as a scam. Ripple, just last year, ended a five-year legal battle with the U.S. Securities and Exchange Commission (SEC) to clarify XRPā€™s status. And so, the court, that impartial arbiter of justice, granted Ripple a resounding victory-a triumph that should leave even the most ardent critics with a newfound respect for the law.

You make some really strong points in that post. Ripple is endlessly seeking regulatory compliance and licences.
Rippleā€™s CEO states $XRP is at the centre of everything they do, and what they do includes seeking licenses all over the world.

– bill morgan (@Belisarius2020) January 22, 2026

The move ended in a win for Ripple in Federal Court. Morgan implies that generally, scam entities do not confront regulatory authorities the way Ripple has done. Instead, they either collapse or flee from regulatory scrutiny. Ripple, that paragon of transparency, has not only sought licenses but has done so with the fervor of a man chasing a mirage-only to find that the mirage is, in fact, a well-structured legal framework.

Additionally, Morgan highlighted that Rippleā€™s operation is always backed by approval from wherever it operates. Interestingly, Ripple currently holds over 75 global licenses across the globe. This positions XRP at the core of its on-demand liquidity system for cross-border payments. Ripple, with its 75 global licenses, is the very embodiment of regulatory compliance-though one might wonder if the sheer number of licenses is a testament to their diligence or a testament to the labyrinthine nature of global regulations.

In January alone, Ripple has secured several licenses. The latest is a preliminary approval for an Electronic Money Institution (EMI) from Luxembourgā€™s financial regulator, Commission de Surveillance du Secteur Financier (CSSF). January, that most auspicious month, has seen Ripple secure yet another license, this time from Luxembourg’s CSSF-a feat as impressive as it is expected from a company so deeply entrenched in the financial world.

Ripple earlier secured another license with the United Kingdomā€™s Financial Conduct Authority (FCA) through its U.K.-based subsidiary. The license allows the firm to operate legally in the U.K. And so, the FCA, that esteemed guardian of financial integrity, grants Ripple its blessing-a nod to the companyā€™s commitment to legal adherence.

XRP Price stagnation fuels retail frustrationĀ 

Bill Morganā€™s argument remains that even if critics choose not to like XRP or Ripple, it is wrong to label it a scam. This is because their entire strategy revolves around regulatory approval, legal transparency and institutional integration. Ah, the plight of the retail investor, who toils endlessly to fund Ripple’s expansion, only to be rewarded with the lukewarm embrace of a stagnant price. One might say, “The only thing more stagnant than XRP’s price is the patience of the retail investor.”

Morganā€™s view has been applauded by some sections of the online community who acknowledge the massive global expansion of Ripple. Yet, as ever, the masses are left scratching their heads, wondering why they should fund a company’s ambitions when the only reward is a coin that refuses to rise above $2.

However, a user has noted that retail traders are getting tired of funding Rippleā€™s expansion without getting any reward. The user is implying that retail investors expect to make significant gains by way of price growth from XRP. And so, XRP, that once-mighty coin, continues its slow descent, trading at a mere $1.95-a price as unremarkable as it is frustrating for those who dared to hope.

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2026-01-22 16:10