Shared post - Ripple President: Bank of America Is Going “All In” on XRP

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Ripple President: Bank of America Is Going “All In” on XRP – Is This the Start of a Global Shift?

May 19, 2025

Ripple’s president has made a bold statement: Bank of America is going “all in” on XRP. This confirmation came from a video posted by NCashOfficial with 207K YouTube subscribers and adds serious momentum to what’s already shaping up to be a major trend, big banks diving headfirst into blockchain and crypto infrastructure. And it’s not just Bank of America. Other financial giants are already deep in the space, signaling that a major shift could be underway.

Ripple and Bank of America have been connected for years. The bank was one of Ripple’s early partners, originally testing messaging solutions tied to payment infrastructure. But according to Ripple President Monica Long, things are accelerating. She shared that after key policy rollbacks, like SAB 121 being pulled back, Bank of America’s tone changed completely. Their leadership is now saying they’re “all in.”

While she didn’t say “XRP” outright, it was clear she was referring to Ripple’s blockchain-based payment systems. Long explained that the bank has been in recent talks with Ripple about transaction banking and stablecoin products, adding even more fuel to the idea that something big is unfolding.

Wall Street Banks Are All Moving In

And it’s not just Bank of America. Big names like JP Morgan, Citi, and State Street are all laying the groundwork for deeper blockchain involvement. JP Morgan is pushing forward with its Onyx platform, although it runs on a private network. That’s where things get interesting, private chains, many argue, just don’t have the reach or liquidity of public ones like XRP-.

Meanwhile, Citi is building digital asset custody solutions, and BNY Mellon launched an on-chain offering just weeks ago. State Street is planning crypto custody by 2026. The big players are preparing for a tokenized future.

Regulations Are No Longer Holding Back Big Banks

In the past months, the U.S. government has quietly cleared the runway for banks to enter crypto. With SAB 121 rolled back and the OCC, FDIC, and Fed easing restrictions, traditional banks suddenly have the green light. That shift hasn’t gone unnoticed.

Former CFTC Chair Chris Giancarlo even said that banks now face pressure to act, or risk falling behind. He compared the change to digital photography wiping out Kodak. In the same way, stablecoins and crypto rails could soon replace the outdated correspondent banking model.

Could XRP Be at the Heart of This Transformation?

Here’s where the XRP rumors kick in. Some reports, though unconfirmed, suggest that Bank of America was using XRP internally for two years before regulatory issues paused the process. Ripple has never confirmed this, but it’s known that the bank plans to use Ripple’s On-Demand Liquidity once the legal dust settles.

All signs point to XRP being part of a much bigger institutional strategy. From longtime partnerships to behind-the-scenes testing, Ripple’s tech seems to be ready for prime time. And with the floodgates opening, according to Monica Long, more banks could be next.

With Ripple’s infrastructure maturing and U.S. regulations easing up, it feels like this might just be the beginning of a much larger wave of adoption.

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🔹 Market Legitimacy & Price Surge:
A full win for Ripple is expected to legitimize XRP as a non-security in the U.S., paving the way for major U.S. exchanges to relist XRP. This could trigger a significant price rally, as investors and institutions regain confidence in the asset.

🔹 Institutional Adoption:
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🔹 Broader Crypto Impact:
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🔹 Global Remittance & Utility:
The article highlights that XRP’s speed and low transaction fees make it ideal for global remittances. Legal clarity could boost its use in international payments and DeFi applications.

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XRP Isn’t Dead, It’s Repositioning to Become the Liquidity Engine of Global Finance

For years, XRP was written off by much of crypto Twitter as a “boomer coin”—a relic from the pre-DeFi era, stuck in a brutal SEC lawsuit and overshadowed by flashier narratives. But while the industry obsessed over yield farming and memecoins, Ripple Labs quietly kept building real financial infrastructure—and it’s finally starting to matter.

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⚖ SEC Case: Ripple’s Win Was Bigger Than You Think

In July 2023, Ripple scored a major victory in its long-running battle with the U.S. SEC:

The court ruled that XRP is not a security when sold on exchanges, though some institutional sales were considered securities.
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The outcome doesn’t just clear the path for XRP—it sets a precedent for other token projects, and positions Ripple as a battle-hardened compliance veteran in an increasingly regulated market.

🌎 Ripple’s Real-World Strategy: Institutional Settlement Infrastructure

While DeFi projects fight over TVL, Ripple is targeting the SWIFT system itself. Its flagship products:

RippleNet: A network for real-time cross-border payments using XRP as a bridge asset.
ODL (On-Demand Liquidity): Uses XRP to eliminate the need for pre-funded nostro/vostro accounts in international settlements.

Ripple is already partnered with:

Tranglo (Asia-Pacific remittances)
Santander
Bank of America (Ripple has hinted at deep ties post-lawsuit)
Hundreds of banks and financial institutions across 50+ countries

The key point? This is real utility, not vaporware. XRP isn’t meant for retail yield farmers—it’s plumbing for global money movement.

♻️ XRP Ledger (XRPL): A Sleeping Giant for Tokenization

Beyond payments, Ripple is now aggressively expanding into tokenized assets—a multitrillion-dollar opportunity:

XRP Ledger supports native token issuance—no smart contracts needed.
Ripple is launching its own RWA platform, letting institutions issue tokenized real estate, bonds, CBDCs, and more.
XRPL is adding Ethereum Virtual Machine (EVM) compatibility, opening the door to DeFi and NFTs.

If tokenized treasuries and private markets are the future of crypto-scale finance, XRPL is shaping up to be one of the quiet contenders to host it all.

💰 XRP Tokenomics: Fast, Efficient, Scarce

What makes XRP compelling as a base-layer asset?

Transactions settle in 3–5 seconds, with throughput of 1,500+ TPS.
Minuscule fees—fractions of a cent.
XRP is deflationary: every transaction destroys a tiny amount of XRP.
Fixed supply: 100 billion total, no inflation.

Unlike Ethereum, which struggles with fee volatility, XRP was engineered for stability and speed. For enterprise use, that still matters.

📉 What’s Holding XRP Back?

Let’s be blunt—there are legitimate criticisms:

Perception as centralized: Ripple holds a large share of XRP, and critics argue the network isn’t sufficiently decentralized.
Retail fatigue: Years of stagnation and lawsuit baggage have drained community enthusiasm.
Limited DeFi ecosystem: Compared to Ethereum, Solana, or Cosmos, XRPL has been slow to attract builders—though this is rapidly changing in 2025.

But those very criticisms are why XRP might have asymmetric upside now—the market isn’t pricing in the institutional pivot that’s already in motion.

🧭 Final Take: XRP Is a War-Torn Veteran Ready to Reenter the Arena

In a market obsessed with memes and modular rollups, XRP represents the boring, functional layer crypto has largely ignored—but global institutions still want.

With legal clarity, a real payments network, a growing role in tokenized finance, and battle-tested infrastructure, Ripple is turning XRP into the compliance-grade utility token the TradFi world actually trusts.

Prediction: By the end of 2025, XRP will be one of the top 3 assets used in real-world tokenization, banking settlement, and cross-border finance—regardless of its popularity on crypto Twitter.

While the rest of crypto builds toys, Ripple is building rails. XRP may not moon overnight, but it’s positioned to outlast almost everyone else.

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thedinarian@thedinarian

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Ondo Finance (ONDO) has been leading the charge in real-world asset (RWA) tokenization, and according to top voices in the space, it might only be getting started.

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In addition, Ondo is helping BlackRock’s BUIDL fund tokenize U.S. treasuries and is working closely with Ripple to bring $185 million in tokenized assets onto the XRP Ledger. This will use Ripple’s RLUSD stablecoin and furthers the institutional reach of the ONDO network.

Representation at the Saudi-US Investment Forum and participation in SEC Crypto Task Force discussions also show that ONDO is now in the same room as BlackRock, Nasdaq, and Fidelity. The topic? How tokenization can make traditional finance faster, cheaper, and more open.

CryptoED also pointed out that the ONDO team is pushing hard behind the scenes. He highlighted that ONDO’s total value locked (TVL) just hit another all-time high. The suggestion is that when ONDO takes off again, the market will likely FOMO back in. But for those watching now, sub-$1 levels remain a strong long-term opportunity.

ONDO Price Analysis: Is a Rally Brewing?

Since breaking out of a descending channel in late April, the ONDO price has been moving higher but gradually. The structure now looks bullish as each move up is being supported and sustained.

The chart shows a clear setup for a rally continuation. If this structure plays out, ONDO could potentially double in the coming days or weeks. A 100% rally would bring it up to around $2.09, which is the upper boundary of the previous price channel.

That zone will likely act as resistance, but a break above it could trigger price discovery. If that happens, ONDO could reach a new all-time high during this market cycle.

Momentum is slowly building, and the fundamentals are lining up perfectly with technical signals. Buying ONDO below $1 might actually be, as CryptoED put it, a gift for those paying attention.

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