XRP eyes institutional flip as Ripple builds ‘Wall Street kit’ for banks

Ripple’s 2025-2026 acquisitions and custody stack aim to turn XRP and RLUSD into institutional-grade infrastructure, but adoption hinges on verifiable flows and real deployments.
Summary

• Engineer claims Ripple has assembled a “Wall Street kit” spanning Ripple Payments, GTreasury, Ripple Prime, and institutional XRP custody.
• Stack is pitched at pensions, banks, and corporates needing regulated custody, treasury tools, and prime brokerage with XRP Ledger settlement and RLUSD reserves at BNY Mellon.
• Post is unofficial XRP supporter commentary; analysts stress that institutional adoption must be proven via capital flows, liquidity, and real-world XRP/RLUSD usage.

A software engineer and AI founder has stated that Ripple has built institutional-grade infrastructure for XRP custody and trading during 2025-2026, according to a post on social media platform X published Wednesday.

Vincent Van Code argued that barriers to institutional XRP (XRP) adoption have shifted from market structure issues to operational infrastructure, claiming the company has assembled components spanning custody, treasury management, and prime brokerage services.

In the post, Van Code stated that traditional financial institutions managing retirement funds, pensions, and bank balance sheets require regulated custody solutions rather than self-custody options. He characterized self-custody as incompatible with institutional audit, compliance, and risk management requirements.

Van Code described what he termed a “Wall Street kit” consisting of several Ripple acquisitions and services. The components cited included Ripple Payments, which he described as ISO 20022-compliant cross-border transaction rails operating on the XRP Ledger.

The engineer highlighted GTreasury, an enterprise treasury management platform that Ripple acquired for $1 billion, according to the post. He also referenced Ripple Prime, which he stated was powered by the company’s $1.25 billion acquisition of Hidden Road, describing it as a prime brokerage platform offering clearing, financing, and over-the-counter trading services with XRP Ledger settlement.

For custody services, Van Code pointed to Ripple Custody, which he said was strengthened by the Palisade acquisition and prior integrations with Standard Custody and Metaco. He described the service as offering multi-party computation security, multi-chain support, and regulatory compliance features designed for institutional requirements.

The post also stated that RLUSD reserves are held in custody by BNY Mellon.

Van Code concluded that the infrastructure eliminates operational barriers for institutional participants and predicted that 2026 would mark a transition for XRP from speculative asset to core financial infrastructure, stating “billions incoming.”

The post represents commentary from an XRP supporter rather than an official Ripple announcement. Market observers have noted 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.

Ripple did not immediately respond to requests for comment on the characterizations made in the post.