Ripple's Master Account Bid May Not Benefit XRP Holders as Ruvi's AI Superapp Gains Traction

Ripple's (XRP) bid for a Federal Reserve master account could give it direct access to Fed payment systems, potentially making it the first crypto-native company with full US banking integration.

However, XRP holders may not benefit from this development as settlement revenue flows through the network without reaching ordinary token holders. In contrast, Ruvi (RUVI) is an audited, shipping AI superapp that meters a working 20+ model tool suite in $RUVI and funds an on-chain buyback-and-burn.

With its fixed 5B non-mintable supply, Ruvi's platform revenue pays out contributors in real dollars for improving the platform. The presale is currently live at Phase 3 with a price of $0.020, offering a unique opportunity for investors to participate before the listing target reaches $0.10.

The math behind the phase 3 price shows that a $500 position would buy 25,000 $RUVI tokens worth $2,500 at the listing target. This clears VIP 1 for a +20% bonus and an additional 5,000 $RUVI before listing.