Software engineer and AI founder Vincent Van Code (@vincent_vancode) argues that the main obstacles for institutions holding and using XRP have shifted from “market structure” to operational “plumbing.” He claims Ripple spent 2025–2026 building an institutional framework for custody, treasury, and prime brokerage, making large-scale participation practically feasible.
In a Wednesday post on X, Van Code stated that self-custody is not viable for traditional managers overseeing retirement funds, pensions, and bank balance sheets. “Institutions handling billions in 401(k)s, pensions, hedge funds, banks, and governments? Self-custody was always impractical—an audit and compliance nightmare, with risk officers rejecting it outright,” he wrote. “That changed in 2025–2026. Ripple built the complete bridge: regulated, scalable, bank-trusted infrastructure so major players can finally hold and use XRP and RLUSD without the chaos.”
Van Code’s central point is that the typical crypto custody debate overlooks institutional needs: risk committees, auditors, and compliance departments require regulated custody, reporting, and controls that integrate with existing systems. He contends Ripple’s recent developments create a “Wall Street kit” that addresses these requirements comprehensively, covering payment networks, corporate treasury tools, prime brokerage services, and bank-level custody.
While this is an opinion piece and not an official Ripple announcement, it echoes a growing sentiment among XRP supporters: that ready-made, regulated systems are as crucial as market trends when large institutions consider adopting an asset.
Van Code highlighted Ripple Payments as the transaction layer, calling it “ISO 20022-compliant, real-time cross-border rails on the XRP Ledger—already processing billions for global banks.” He linked institutional adoption to supporting infrastructure designed to integrate XRP and Ripple’s RLUSD into corporate and financial operations.
He pointed to GTreasury, acquired by Ripple for $1 billion, as an enterprise treasury platform allowing companies to manage “fiat and digital liquidity in real-time.” He also mentioned Ripple Prime, “powered by the $1.25 billion acquisition of Hidden Road,” as a prime brokerage suite providing “clearing, financing, and OTC trading—including XRP and RLUSD—with seamless XRP Ledger settlement for faster, cheaper post-trade operations.”
For custody, he said Ripple has consolidated a bank-focused offering through various deals. “Ripple Custody (strengthened by the Palisade acquisition and prior integrations with Standard Custody/Metaco) offers bank-grade, regulated storage with MPC security, multi-chain support, and zero-trust architecture,” he wrote, noting it is “auditable, insured, and scalable for billions.” Van Code also stated that “RLUSD reserves are custodied by BNY Mellon for ultimate trust.”
The post concluded directly: “Bottom line: Excuses are gone. Compliance is built-in. Custody risk? Solved. Institutions aren’t just watching—they’re quietly accumulating and building on the XRP Ledger. 2026 is the year XRP moves from a ‘speculative play’ to core financial infrastructure. Billions are on the way.”
If this perspective proves correct, the next market signal will be tangible integration: whether these components lead to sustained institutional activity, deeper liquidity pools, and practical use of XRP and RLUSD, ultimately reflected in price.
At the time of writing, XRP is trading at $2.15.
Frequently Asked Questions
Of course Here is a list of FAQs about the Ripple Creates XRP Wall Street Kit topic designed to be clear and helpful for a range of readers
Beginner Definition Questions
1 What is the Wall Street Kit that Ripple created
Its a new suite of developer tools and services designed to make it easier for traditional financial institutions to integrate and use the XRP Ledger and its digital asset XRP for things like crossborder payments and managing tokenized assets
2 What does Billions to Flow In mean
Its a prediction from a developer that by making it simpler for big financial players to use XRP a massive amount of money could start moving through the XRP ecosystem increasing its overall utility and value
3 Is this an official product from Ripple
Yes The Wall Street Kit refers to official tools and services launched by Ripples development arm RippleX specifically aimed at enterprise and institutional adoption
4 Im new to crypto What is XRP
XRP is a digital asset built on the XRP Ledger a decentralized blockchain Its designed to be a fast lowcost bridge currency for moving value across borders Ripple is a company that uses XRP and the ledger in many of its products for financial institutions
Technical Advanced Questions
5 What specific tools are included in this Kit
Key components include
AutoBridging A feature that automatically finds the most efficient path to exchange one currency for another using XRP as a bridge
XRP Ledger AMM The new Automated Market Maker allowing for decentralized trading and liquidity pools directly on the ledger
Enhanced Developer APIs Tools that make it simpler to build applications that interact with the XRP Ledger
6 How does the AutoBridging feature work
If a bank wants to convert Euros to Japanese Yen the software can automatically split the transaction convert Euros to XRP then XRP to Yen all in one seamless step often finding a better rate than a direct currency pair
7 What problem does this solve for Wall Street or big banks
It solves major pain points