Ripple’s Latest Action Could Cement XRP As the Premier Bridge Asset

Crypto researcher BankXRP shared a newly surfaced document indicating that Ripple Labs Inc. submitted a formal comment letter to the Board of Governors of the Federal Reserve System.

Dated February 6, 2026, the letter responds to the Federal Reserve’s Request for Information on the proposed Reserve Bank Payment Account prototype, filed under Docket No. OP-1877. The document confirms that Ripple is actively engaging with U.S. monetary authorities on the structure and future role of direct payment accounts at the central bank level.

According to the letter, Ripple “welcomes the opportunity to comment” on the Federal Reserve’s proposal and positions itself as a contributor to modernize the U.S. payment system. The company frames its response around safety, efficiency, and systemic resilience, emphasizing its experience in enterprise blockchain infrastructure, stablecoin issuance, and cross-border payment solutions.

What the Payment Account Prototype Represents

The Reserve Bank Payment Account prototype explored by the Federal Reserve is designed to assess how tailored account structures could support payment innovation while maintaining robust risk management.

Ripple’s letter states that its input is intended to assist the Board in refining the Payment Account model so it can function as a macroprudential tool that strengthens liquidity management and economic stability.

BankXRP highlighted the potential implications if Ripple were eventually granted access to such an account. In the accompanying tweet, the researcher noted that a Payment Account could allow RLUSD reserves to be held directly at the Federal Reserve, removing exposure to commercial bank counterparty risk. This structure, if approved in the future, would place settlement activity directly on Federal Reserve infrastructure rather than relying on intermediary banks.

Implications for RLUSD and XRP

BankXRP’s commentary framed the development as significant for both RLUSD and XRP. Direct settlement on Federal Reserve rails such as Fedwire would, in this scenario, provide institutional-grade backing for RLUSD while reinforcing XRP’s role in facilitating cross-border and global liquidity flows.

The tweet suggested that this alignment with central bank infrastructure could elevate XRP’s utility as a bridge asset in high-value payment corridors.

The document attached to the post further shows Ripple outlining its regulatory credentials, including more than 75 global financial licenses and recent conditional approval related to a national trust structure. These disclosures were presented as evidence of Ripple’s readiness to operate within tightly regulated financial environments.

Community Reactions and Clarifications

The post generated mixed reactions. One commenter described the development as a clear signal of institutional progress, emphasizing the importance of eliminating commercial bank risk and enabling direct settlement.

Another response urged caution, stating that the document represents a comment letter submitted during a consultation process, not an approval or confirmation of access. The commenter stressed that the Federal Reserve has not granted a Payment Account and that the docket remains under review.

As it stands, the material shared by BankXRP shows Ripple formally seeking consideration within an evolving Federal Reserve framework. While the outcome of Docket OP-1877 remains undecided, the letter confirms that Ripple is positioning itself directly within discussions on the future architecture of U.S. and global payment liquidity.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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