Ripple Develops Infrastructure to Enable Institutional XRP Adoption by 2026

Vincent Van Code, a software engineer and AI founder, argues that institutional barriers to using XRP have shifted from market structure issues to operational challenges. Ripple has assembled an institutional stack for custody, treasury, and prime brokerage, making large-scale participation viable.

Ripple's Institutional Infrastructure

Van Code highlights the need for regulated custody and compliance for institutions managing large funds.
Ripple has built a "Wall Street kit" addressing these needs with a full infrastructure stack.
This includes payments rails, corporate treasury tooling, prime brokerage services, and bank-grade custody.

The transition is supported by:

Ripple Payments: Real-time cross-border transaction layer compliant with ISO 20022.
GTreasury: A platform for managing fiat and digital liquidity acquired for $1 billion.
Ripple Prime: Offers clearing, financing, and OTC trading with seamless settlement, powered by a $1.25 billion acquisition.
Ripple Custody: Provides bank-grade, regulated storage with advanced security features, supported by strategic acquisitions.

Van Code concludes that institutional adoption of XRP is underway, with 2026 expected to mark its shift to core financial infrastructure. This integration could lead to increased institutional flows, deeper liquidity, and production use of XRP and RLUSD.

At the time of reporting, XRP traded at $2.15.

XRP price chart