A software engineer and AI founder claimed on X Wednesday that Ripple has assembled institutional-grade infrastructure for XRP (XRP) custody and trading during 2025-2026. Vincent Van Code argued barriers to institutional XRP adoption have shifted from market structure to operational infrastructure, stating the company has integrated custody, treasury management, and prime brokerage components.
Components of the 'Wall Street Kit'
Van Code said traditional financial institutions managing retirement funds, pensions, and bank balance sheets need regulated custody, not self-custody, which he called incompatible with audit, compliance, and risk management. He described a "Wall Street kit" consisting of Ripple Payments — ISO 20022-compliant cross-border rails on XRP Ledger; GTreasury — an enterprise treasury platform acquired for $1 billion; Ripple Prime — a prime brokerage powered by the $1.25 billion Hidden Road acquisition, offering clearing, financing, and OTC trading with XRP Ledger settlement; and Ripple Custody — enhanced by the Palisade deal and prior integrations with Standard Custody and Metaco, featuring multi-party computation security, multi-chain support, and compliance. He also noted RLUSD reserves are held by BNY Mellon.
Analysts: Institutional claims need verification
Van Code concluded the infrastructure removes operational hurdles and predicted 2026 would mark XRP's shift from speculative asset to core financial infrastructure, saying "billions incoming." However, the post is commentary from an XRP supporter, not an official Ripple announcement. Market observers stressed that institutional adoption claims require verification via observable metrics like capital flows, liquidity, and real-world XRP/RLUSD usage. Ripple did not immediately respond to requests for comment.