The Chief Technology Officer of Ripple has stated that several banks are beginning to adopt XRP for payments, including a bank associated with Ripple that will operate entirely on the XRP Ledger.
Related Reading
This announcement comes as Ripple is pursuing a banking charter in New York, a master account with the Federal Reserve, and asserts its commitment to comply with ISO 20022 messaging standards utilized by major financial institutions.
Reports indicate that these initiatives are designed to enhance the token’s utility for large-scale settlement operations.
Banks Start Utilizing XRP
DBS and Franklin Templeton recently signed a memorandum of understanding to collaborate on tokenized trading and lending products. Franklin Templeton’s sgBENJI, a token representing a US dollar money market fund, is set to launch on the DBS Digital Exchange.
Ripple’s RLUSD stablecoin is being utilized for trading activities and is reportedly valued at nearly $730 million. Additionally, DBS is considering the acceptance of sgBENJI as repo collateral, which would increase liquidity for tokenized assets. Lim Wee Kian from DBS noted that this move is an advancement towards providing institutional-grade digital asset services.
🚨RIPPLE CTO CONFIRMS, BANKS HAVE BEGUN INTEGRATING #XRP, REVEALING THAT RIPPLE BANK WILL RUN 100% ON THE XRP LEDGER, DRIVING ALL PAYMENTS AND UNLOCKING TRILLIONS!
TRILLIONS OF DOLLARS ARE READY TO FLOOD THE XRP LEDGER. POWERED BY REAL TOKEN, SET TO TOKENIZE THE WHOLE REAL… pic.twitter.com/M1tsWvuXIf
— JackTheRippler ©️ (@RippleXrpie) September 19, 2025
Stablecoins, Custody, and Asset Switching
According to Nigel Khakoo from Ripple, the platform facilitates easier transitions between stablecoins and yield-generating tokens within a unified framework. Franklin Templeton selected the XRP Ledger due to its efficiency and speed, as well as its potential for scaling tokenized securities.
Reports also indicate that BNY Mellon will act as the custodian for reserves supporting RLUSD, emphasizing Ripple’s focus on institutional support.
Regulatory and Structural Developments
The momentum for the token has surged following legal and regulatory changes in the US after Ripple’s prolonged battle with the SEC. Reports suggest that over 20 spot XRP ETFs are under review, which could attract substantial institutional investment into the market.
The Depository Trust & Clearing Corporation, which manages settlements amounting to $4 quadrillion annually, has included tokenization in its planning documents. Researchers emphasize how widespread adoption of tokenized settlement systems could transform back-office processes.
🚨 The XRP Endgame: Everything Is Aligning at Once
What I’m about to detail isn’t hype; it’s a framework of significant shifts converging around Ripple & $XRP.
If you don’t grasp the scale after this thread, you’re not paying attention. 🧵👇 pic.twitter.com/FZRCjDd0Re
— Pumpius (@pumpius) September 16, 2025
Cautious Momentum
Banks are reportedly proceeding with caution. Initial integration tests and compliance evaluations are ongoing. Industry insiders suggest that combining custody solutions, stablecoins, and ledger-based settlements could unleash multi-trillion-dollar flows if the reliability of real-world tokenization is established. However, there are warnings that large-scale adoption will require time and meticulous risk management.
Without a doubt…and it’s not just a belief. It will.
I know what you’re thinking. Many always say, let’s reach ATH first.
But that’s irrelevant.
When articles predicted Bitcoin would hit $1M, people said let’s hit $1000 first.
Look at its current price today. Many regret not holding a… https://t.co/DHtcauZGFt
— Xena XRP (@XenaXrp) June 25, 2025
Price Speculation
XRP is currently priced around $2.8, with market discussions intensifying since the token skyrocketed nearly 600% from November 2024 to January 2025.
Some analysts predict a rise to $50; others, like Edoardo Farina of Alpha Lions Academy, anticipate $100. A few commentators are even discussing targets as high as $1,000. Additionally, a vocal minority speculates that $10,000 is within reach.
Related Reading
One community commentator known as Xena expressed confidence that it will reach such heights “without a doubt,” reflecting the prevailing optimism alongside the ongoing technical and regulatory developments.
Featured image from Meta, chart from TradingView
