Bank of America’s RippleNet membership is documented, while claims about complete internal XRP usage remain unverified by the bank. A 2026 SEC filing reportedly showed Bank of America holding
Bank of America XRP developments combine documented banking links with unverified internal usage claims while new XRPL projects expand activity across payments, media, and decentralized applications.
A post from 𝓐𝓶𝓮𝓵𝓲𝓮 renewed attention around Bank of America’s reported XRP activity. The post claimed complete internal XRP transaction usage over two years. However, Bank of America has not officially confirmed that claim.
https://twitter.com/_Crypto_Barbie/status/2093407552935477308?s=20The documented relationship with Ripple extends back several years. Ripple lists Bank of America among members of its RippleNet payments network. Membership establishes a connection with Ripple’s infrastructure, but not necessarily XRP usage.
Bank of America also filed a blockchain settlement patent during 2017. The application referenced “prefunded ripple settlements” within its described system. However, it did not directly identify Ripple Labs or XRP as the technology.
A clearer public connection emerged during an April 2020 Treasury Insights podcast. Bank of America’s global banking leadership identified Ripple as a key partner.The conversation on cross-border payments included Ripple. .
The strongest distinction concerns the widely circulated internal transaction claim. That statement originated from a January 2025 FOX Business interview. Bank of America has not publicly verified the reported 100% figure.
There is newer documented evidence involving XRP investment products. The SEC filing from February 2026 apparently listed about 13,000 XRP ETF shares. This reported location had a value near $224,640 at that time.
Reports also indicated that wealth advisors could recommend cryptocurrency ETFs. This represented another connection between Bank of America and regulated digital-asset investment products. It did not confirm direct XRP settlement through internal banking systems.
Ripple President Monica Long has also discussed interest from major banking executives. Her comments reportedly included Bank of America and XRP cross-border payment applications. Those remarks reflect her account rather than an official Bank of America statement.
The same post also referenced Real’s reported launch on the XRP Ledger. The project describes itself as a three-layer decentralized network. Its stated functions include media and payments through the Real token.
The project adds a separate dimension to the broader XRP ecosystem. Institutional banking focuses on payment infrastructure and settlement systems. XRPL projects instead build applications around tokenized and decentralized activity.
The post also referenced Real token availability through an XRPL decentralized exchange. It separately mentioned MEXC as another trading venue. These references connect decentralized liquidity with centralized exchange access.
XRP currently trades around $1.39, according to CoinMarketCap’s latest available data. The price figure provides market context without confirming any institutional adoption claim.
The Bank of America narrative and Real’s launch remain separate developments. One concerns institutional blockchain relationships and an unverified XRP usage claim. The other concerns a newly reported application operating through XRPL infrastructure.
Together, they show different forms of activity surrounding the XRP ecosystem. Documented Ripple connections provide institutional context, while XRPL projects expand application activity. However, neither development independently confirms complete internal XRP usage at Bank of America.
The available evidence therefore requires a clear separation between fact and speculation. RippleNet membership, the patent, and ETF disclosure provide documented reference points. The 100% internal transaction claim still requires direct confirmation from Bank of America.
