Rob Cunningham: Rosie Rios is the Center of US Monetary Authority
Rob Cunningham: Rosie Rios is the Center of US Monetary Authority
12-12-2025
Rob Cunningham | KUWL.show @KuwlShow
FACT: Rosie Rios is not a symbolic appointment – she represents the center of U.S. monetary authority
Rosie Rios is not a politician.
She is not a lobbyist.
She is not a “crypto personality.”
She is the former 43rd Treasurer of the United States, whose literal signature is on over $1.7 trillion of circulating U.S. currency during her tenure.
Her domain of authority included:
Bureau of Engraving and Printing
U.S. Mint
Fort Knox
Oversight of nationwide currency supply, issuance & coinage policy
Deep involvement in economic revitalization programs
National reserve & liquidity frameworks
When someone with this authority joins the board of Ripple, it signals:
@Ripple (and XRP) are operating inside the realm of U.S. sovereign monetary legitimacy – not outside it.
This is an unmistakable signal about where the future infrastructure is going.
FACT: @America250 is a bipartisan, Congressionally chartered commission for national continuity & economic renewal
Rosie Rios serves as Chair of America 250, which is not a PR body – it’s a federal commission chartered by Congress to coordinate:
America’s 250th anniversary
National communications
Economic stewardship themes
Cultural and civic strategic messaging
The modernization narrative of America’s next chapter
This is where her influence matters:
If blockchain, tokenization & financial modernization are part of the next chapter of American competitiveness, America 250 is where the messaging alignment is shaped.
And sitting inside that commission is the former U.S. Treasurer who now sits on Ripple’s board.
Ripple is not “a crypto company.”
Ripple is positioned as the infrastructure partner for the United States’ next monetary system upgrade.
FACT: The U.S. Treasury already recognizes the role of digital assets in reserve frameworks
The Treasury and the Federal Reserve have already stated officially:
Digital assets may be included in reserve or collateral frameworks where state or federal regulation is satisfied.
Tokenized forms of U.S. Treasuries are explicitly recognized under pilot programs, including @The_DTCC tokenization framework.
Stablecoins under @NYDFS supervision meet the criteria for:
Full-dollar backing
Regulated custody
Liquidity transparency
Supervisory reporting obligations
This matters because RLUSD is a New York–regulated stablecoin, meaning:
It is one of a very small number of U.S.-legal, U.S.-compliant, institution-grade stablecoins suitable for integration with federal systems.
@RosieRios understands this regulatory environment intimately.
Ripple is building within it – not outside it.
FACT: RLUSD is not just “a stablecoin” – it is a regulatory-grade payment instrument
NYDFS requires:
1:1 USD backing
High-quality liquid assets
Approved custodians
Monthly attestations
Segregated reserves
Strict redemption rights
Anti-fraud compliance
Consumer-protection standards
Real-time transactional monitoring
Transactional finality and auditability
It also requires rigorous interoperability and traceability – features built directly into XRPL’s design.
The XRPL is one of the few ledgers capable of supporting:
Issued assets
Stablecoins
Native DEX function
Regulatory-compliant pathways
Atomic settlement
Predictable transaction fees
No MEV, no Miner Extractable Value
Deterministic finality
This is why RLUSD + XRPL is not a coincidence.
It is regulatory and architectural compatibility.
FACT: New York DFS frameworks require pairing the stablecoin with a compliant settlement system
NYDFS rules for institutional stablecoins require:
A deterministic settlement ledger
No probabilistic finality
A predictable fee structure
Identity-compliant rails
Operational rigor under high institutional throughput
Ethereum fails on multiple criteria.
Solana fails on institutional reliability.
Most chains fail outright.
XRPL passes.
Thus:
RLUSD’s pairing with XRPL is a regulatory-compliance decision, not a marketing decision.
Which leads us to this central point:
LOGICAL INFERENCE: If RLUSD is the regulated cash leg, XRP is the natural liquidity leg.
Here is the heart of the matter:
NYDFS regulates the dollar leg through RLUSD.
The liquidity leg must be:
Fast
Deterministic
Non-custodial
Trust-minimized
Global
Compliant
Stable in function
Available 24/7
Interoperable with ISO 20022 flows
Tied into a ledger capable of regulated RWA tokenization
The only digital asset that matches this list natively, without bolt-ons or workarounds, is:
XRP.
Thus one of the most powerful truths:
RLUSD is the regulated dollar.
XRP is the regulated liquidity.
This is the architecture of a global settlement system.
LOGICAL INFERENCE: Treasury supervision + Ripple board ties = legitimacy for XRP in reserve or liquidity frameworks.
Rosie Rios has explicitly said: “XRP is the key to cross-border liquidity.”
That is a former U.S. Treasury Secretary speaking in her own capacity.
If tokenized Treasuries, stablecoins, and reserve-backed digital payments rails form the cash layer of the new U.S. financial system, then:
XRP becomes the neutral, non-sovereign, liquidity-optimizing, bridge asset that allows these tokenized reserves to move.
This is not speculation.
This is design logic.
And the presence of:
Michael Bodson (DTCC)
Rosie Rios (U.S. Treasury)
Former regulators in multiple jurisdictions
Institutional banking partners
ISO 20022 compliance
RLUSD + XRPL compatibility
DTCC announcing tokenized securities across approved blockchains
Ripple’s increasingly visible role in U.S. monetary modernization
all point toward a unified liquidity system.
In that system…
RLUSD = compliant cash
XRP = compliant liquidity
XRPL = compliant settlement ledger
DTCC = compliant asset-issuance and custody stack
This is the architecture of a global digital reserve ecosystem.
TRAJECTORY: The convergence is not hypothetical. It is happening.
Let’s connect the dots:
A former DTCC CEO joins Ripple.
DTCC begins tokenizing securities.
A former U.S. Treasury Secretary joins Ripple
Treasury formally acknowledges digital assets within reserve and collateral frameworks.
Ripple launches RLUSD under NYDFS
DTCC’s tokenization model requires compliant cash rails.
RLUSD lives on XRPL
XRP is the native bridge asset for settlement and liquidity.
U.S. financial modernization accelerates toward ISO 20022 + blockchain
XRPL is one of the few ledgers architected for this model.
America 250 shapes the narrative of America’s economic future
Rosie Rios is the Chair shaping that narrative.
In the language of common sense:
No nation assigns its former head of currency issuance and its former head of securities settlement to the same company by accident.
Systems are merging.
Roles are aligning.
The architecture is being revealed.
ONE SENTENCE SUMMARY
Rosie Rios’s Treasury authority, her leadership of America 250, her seat on Ripple’s board, the regulatory framework around RLUSD, and the architecture of the XRPL together indicate that Ripple is not merely participating in the future of U.S. financial infrastructure – it is being positioned as one of the foundational rails of that system, where RLUSD is the compliant dollar and XRP is the compliant global liquidity instrument.
Source(s): https://x.com/KuwlShow/status/1999303447879860704