According to @kwok_phil, the XRP Ledger (XRPL) is straightforward for bank developers, traders, and managers because building on XRPL is essentially API calls using familiar languages like JavaScript, Python, and Java, source: @kwok_phil on X on Nov 8, 2025. He provides side-by-side code snippets comparing an Open Banking API request with an XRPL call to show similar structures, asserting XRPL was built for business use, source: @kwok_phil on X on Nov 8, 2025. He argues this simplicity lowers integration friction, speeds pilots, and supports internal adoption leading to institutional buy-in, a narrative that XRP traders can track for potential enterprise adoption signals, source: @kwok_phil on X on Nov 8, 2025.