According to the Ripple chief technology officer, a number of banks have started to adopt XRP for payments and one planned bank tied to Ripple will run entirely on the XRP Ledger.
That claim comes as Ripple seeks a New York banking charter, a Federal Reserve master account, and says it will conform with ISO 20022 messaging standards used by major banks.
Reports have disclosed that these steps aim to make the token useful for large-scale settlement work.
Banks Begin Real-World Use
DBS and Franklin Templeton signed a memorandum of understanding this week to work on tokenized trading and lending products, reports disclosed. Franklin Templeton’s sgBENJI, a US dollar money market fund token, is launching on DBS Digital Exchange.
Ripple’s RLUSD stablecoin is being used to support trading activity and is reported to be valued at nearly $730 million. DBS is also exploring the acceptance of sgBENJI as repo collateral, which would add liquidity for tokenized assets. Lim Wee Kian of DBS said the move is a step toward offering 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 Switching Between Assets
According to Nigel Khakoo of Ripple, the system makes it easier to move between stablecoins and yield-generating tokens within a single setup. Franklin Templeton said it selected the XRP Ledger for cost and speed reasons, and for its role in scaling tokenized securities.
Reports also name BNY Mellon as the custodian for reserves backing RLUSD, a detail that underlines the institutional angle Ripple is pushing.
Regulatory And Infrastructure Moves
The token’s momentum follows legal and regulatory shifts in the US after Ripple’s long fight with the SEC. Reports note that more than 20 spot XRP ETFs are under consideration, a factor that could pull large institutional capital into the market.
The Depository Trust & Clearing Corporation — which handles up to $4 quadrillion in settlements a year — has mentioned tokenization in its planning documents, and researchers point out how tokenized settlement rails might change back-office flows if adopted widely.
The XRP Endgame: Everything Is Aligning at Once
What I’m about to lay out isn’t hype, it’s a map of tectonic shifts converging around Ripple & $XRP.
If you don’t see the magnitude after this thread, you’re not paying attention. pic.twitter.com/FZRCjDd0Re
— Pumpius (@pumpius) September 16, 2025
Momentum Meets Caution
Banks are said to be moving slowly. Early integration tests and compliance checks are still under way. Industry sources say the combination of custody arrangements, stablecoins, and ledger-based settlement could unlock multi-trillion-dollar flows if real-world tokenization proves reliable. But those sources also warn that large-scale adoption will take time and careful risk controls.
Without a doubt…and it’s not a belief. It will.
I know, I know. Some people always say : let’s cross ATH first.
But that’s not the point.
When articles said Bitcoin will reach $1M people said let’s reach $1000 first.
Look at the price today. And many regret not holding a… https://t.co/DHtcauZGFt
— Xena XRP (@XenaXrp) June 25, 2025
Speculation On Prices
XRP currently trades around $2.8. Market chatter has heated up since the token rose nearly 600% between November 2024 and January 2025.
Some analysts forecast a move to $50; others, like Edoardo Farina of Alpha Lions Academy, have floated $100. A handful of commentators discuss targets at $1,000. A small vocal group even claims $10,000 is possible.
One community pundit known as Xena said she believes it will reach that level “without a doubt,” a comment that highlights how much optimism lives alongside technical and regulatory progress.
Featured image from Meta, chart from TradingView
