XRP’s Ascent: From Banking Pilot to Core Financial Infrastructure

In a significant development for the cryptocurrency sector, Bank of America is reportedly testing Ripple's XRP for cross-border payments, as claimed by prominent crypto analyst X Finance Bull. This move signals a pivotal moment where a major traditional financial institution explores integrating a digital asset into its core operational framework. The alleged testing, said to be conducted under the oversight of U.S. regulators, involves Ripple providing the underlying distributed ledger technology while Bank of America handles the practical implementation and evaluation. This collaboration hints at a maturation of the regulatory environment, allowing for controlled experimentation with crypto assets within established banking systems. Ripple President Monica Long has previously acknowledged Bank of America as a partner, lending credibility to these new claims. The narrative, as pushed by analysts like X Finance Bull, positions XRP not merely as a speculative token but as an evolving piece of critical financial infrastructure. This potential integration aims to address long-standing inefficiencies in international settlements, such as high costs and slow processing times, by leveraging XRP's capability for near-instant, low-cost value transfer. If successful and scaled, this could validate the utility model for XRP and similar assets, potentially driving increased institutional adoption, liquidity, and network value. By early 2026, such pilot programs are crucial indicators of real-world traction beyond exchange-based speculation. The involvement of a systemic bank like Bank of America provides a substantial credibility boost, potentially influencing other financial institutions to explore similar integrations. This development aligns with a broader bullish thesis for digital assets in finance, where blockchain technology and specific cryptocurrencies transition from peripheral experiments to embedded components of the global financial system, enhancing speed, transparency, and accessibility in monetary transactions worldwide.

Bank of America Allegedly Testing Ripple's XRP for Cross-Border Payments

Bank of America may be conducting tests with Ripple's XRP for cross-border payments, according to claims by crypto pundit X Finance Bull. The allegations suggest Ripple provides the underlying technology while the bank handles testing under U.S. regulatory oversight. X Finance Bull asserts XRP is evolving into Core financial infrastructure.

Ripple President Monica Long previously acknowledged Bank of America as an early partner in developing payment solutions, though current collaboration remains unconfirmed. The bank had filed a patent for distributed ledger settlements resembling Ripple's network, though the application was later abandoned.

Despite stepping back from the patent, Bank of America has maintained crypto engagement—permitting wealth clients up to 4% crypto allocations and exploring stablecoin issuance. This institutional interest underscores growing acceptance of digital assets in traditional finance.

Pundit Warns XRP Is On The Verge Of Being Sold Out, What’s Going On?

Market analyst Jake Claver has ignited a debate over XRP's supply dynamics, predicting a potential sell-out scenario as structural limits clash with rising demand. The XRP Ledger's escrow system, designed to prevent manipulation, may now be its Achilles' heel.

Ripple's monthly token releases are hard-coded into the protocol, creating an inelastic supply curve during periods of high demand. With 60.7 billion XRP already circulating and 39.3 billion locked in escrow, the market faces a potential supply shock at current price levels NEAR $2.10.

The numbers tell a stark story: $127 billion market capitalization for circulating supply versus $210 billion fully diluted valuation. Nearly 40% of XRP's total supply remains inaccessible, setting the stage for unprecedented volatility should demand continue its upward trajectory.

XRP Price Prediction: 3 Quiet Catalysts Are Lining Up – Supercycle Starting?

XRP has begun 2026 on a strong note, rallying 14% year-to-date as regulatory breakthroughs and institutional demand converge. Ripple's dual European licensing victories—an EMI license from the UK's FCA and a Luxembourg Green Light Letter—signal accelerating mainstream adoption of its payment infrastructure.

The Clarity Act's potential classification of XRP as a 'non-ancillary' asset in the US mirrors Bitcoin's regulatory treatment, while $1.6 billion in ETF inflows demonstrates Wall Street's growing appetite. Technical indicators now suggest these fundamentals may ignite a sustained price recovery.

Analyst Predicts XRP Will Join Top 10 Global Assets Within Two Years

A crypto expert has staked bold claims on XRP's trajectory, asserting with 100% confidence that the digital asset will break into the top 10 global assets by market capitalization within 24 months. The prediction comes amid shifting rankings among traditional assets, with silver recently surpassing Nvidia.

XRP's current market cap of $127 billion places it far from the threshold required for top-10 status, which demands at least $2 trillion. For context, bitcoin ranks eighth globally at $1.929 trillion, while silver now holds the second-largest market cap at $5.036 trillion.

The bullish case hinges on XRP outperforming established giants across industries—a scenario that WOULD require unprecedented adoption in payments and institutional use. Market watchers note the prediction assumes exponential growth despite regulatory hurdles that have previously constrained the asset.