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XRP eyes institutional adoption as Ripple builds 'Wall Street kit' for banks
Source: Cryptonews Original Title: XRP eyes institutional flip as Ripple builds ‘Wall Street kit’ for banks Original Link: A software engineer and AI founder has stated that Ripple has built institutional-grade infrastructure for XRP custody and trading during 2025-2026.
The engineer argued that barriers to institutional XRP adoption have shifted from market structure issues to operational infrastructure, claiming Ripple has assembled components spanning custody, treasury management, and prime brokerage services.
Traditional financial institutions managing retirement funds, pensions, and bank balance sheets require regulated custody solutions rather than self-custody options. Self-custody is incompatible with institutional audit, compliance, and risk management requirements.
The “Wall Street Kit”
The infrastructure stack reportedly consists of several Ripple acquisitions and services:
Ripple Payments - Described as ISO 20022-compliant cross-border transaction rails operating on the XRP Ledger.
GTreasury - An enterprise treasury management platform that Ripple acquired for $1 billion. This enables institutional treasury operations.
Ripple Prime - Powered by Ripple’s $1.25 billion acquisition of Hidden Road, described as a prime brokerage platform offering clearing, financing, and over-the-counter trading services with XRP Ledger settlement.
Ripple Custody - Strengthened by the Palisade acquisition and prior integrations with Standard Custody and Metaco, offering multi-party computation security, multi-chain support, and regulatory compliance features designed for institutional requirements.
RLUSD reserves are held in custody by BNY Mellon.
Transition Timeline
The infrastructure is expected to eliminate operational barriers for institutional participants. Industry observers predict that 2026 could mark a transition for XRP from speculative asset to core financial infrastructure.
However, market observers note that institutional adoption claims would require verification through observable metrics including institutional capital flows, liquidity data, and production deployment of XRP and RLUSD in financial operations.