XRP News Today: Major U.S. Bank Partnership Leaked—What It Means for $XRP
Key Takeaways
- Bank of America (BoA) is reportedly integrating XRP into its internal transaction systems, marking one of the first large-scale U.S. bank implementations of Ripple’s blockchain.
- The move aligns with Ripple’s push to onboard U.S. banks after achieving partial legal clarity with the SEC.
- XRP price remains stable at $2.38, with futures open interest above $3.4 billion and whale accumulation rising.
- Analysts see long-term potential, with forecasts suggesting a path toward $5–$10 XRP by the end of 2025.
- Meanwhile, Solaxy ($SOLX) gains recognition as Solana’s first Layer-2, with over $36.4M raised and a live testnet already supporting real use cases.
Bank of America Set to Transact Internally Using XRP
In what could be the most impactful XRP news of 2025, Bank of America (BoA) has reportedly begun using XRP for all internal transactions, according to a January 2025 report resurfacing amid fresh market attention this week.
The move comes after Ripple’s partial legal victory against the SEC, which unlocked new confidence among U.S.-based financial institutions. Now, BoA’s adoption of XRP Ledger (XRPL) for internal settlements suggests a major turning point in Ripple’s U.S. institutional strategy.
According to TheCoinRepublic, BoA will initially use XRP to process internal liquidity flows and cross-border pilot transactions between select regional branches. Analysts believe this could set a precedent for full-scale deployment of RippleNet’s On-Demand Liquidity (ODL) across other U.S. banks.
Ripple’s Institutional Thesis Reaffirmed
Ripple’s original mission to disrupt legacy banking rails through blockchain has faced regulatory resistance—until now. With BoA reportedly going live, Ripple has reclaimed its institutional narrative and demonstrated:
- That XRP is not just speculative, but enterprise-grade
- That blockchain can improve settlement time and liquidity efficiency in legacy institutions
- That U.S. banks may finally be ready to move beyond pilot programs
This aligns with Ripple’s recent engagements with NGOs and payment firms using XRPL for real-world aid disbursements and tokenized fiat trials.
Market Reaction: XRP Holds Above $2.30 Despite Volatility
Despite broader altcoin fluctuations, XRP remains stable around $2.38, holding above all key technical support levels:
- 50-day EMA: $2.26
- 100-day EMA: $2.24
- Futures open interest: $3.42B+
- Whale wallets (10M–100M XRP): now hold 12.22% of total supply
While the short-term upside may be capped below $3.00, long-term sentiment has turned bullish, with forecasts from BraveNewCoin suggesting $5 to $10 XRP targets if further bank integrations roll out this year.
Solaxy ($SOLX): Quietly Building the Next Layer of Web3 Infrastructure
While Ripple regains momentum in the banking sector, Solaxy ($SOLX) is gaining traction in the developer and DeFi space.
As the first Solana-native Layer-2, Solaxy is addressing scalability, cross-chain compatibility, and real-time payments — all through a live testnet that is already supporting Ethereum-based smart contracts.
Solaxy Highlights:
- $36.4M+ raised in presale
- Current price: $0.001726
- Staking: Reported up to 150% APY
- Audit: Completed by Coinsult
- Web3Payments integration: Live with merchant partners
- Mainnet launch: Expected Q3 2025
Solaxy isn’t competing with Ripple in the institutional space, but it complements the Web3 stack by enabling fast, cheap, EVM-compatible rollups within the Solana ecosystem.
For investors focused on utility, composability, and on-chain traction, Solaxy offers a deployment-first strategy in contrast to XRP’s regulatory-driven institutional rollout.
XRP vs. Solaxy: Two Roads to Crypto Relevance
| Metric | XRP (Ripple) | Solaxy ($SOLX) |
|---|---|---|
| Focus | Institutional settlement and liquidity | Developer-friendly L2 scaling on Solana |
| Adoption Status | U.S. banks (BoA) + NGOs using XRPL | Devs already building on live testnet |
| Network | XRPL (native chain) | Solana Layer-2 with EVM support |
| Funding | Public markets | $36.4M+ raised in presale |
| Staking | Not applicable | Up to 150% APY (reported) |
Final Thoughts
If confirmed in full, Bank of America’s XRP adoption would mark the beginning of a new institutional chapter for Ripple—transforming the asset from courtroom battleground to fintech backbone. And while XRP’s narrative is now accelerating, investors should keep watch for real implementation details in Q3 2025.
Meanwhile, Solaxy continues to build quietly but effectively—delivering real tools for developers, cross-chain financial primitives, and a rapidly growing presale. Both XRP and Solaxy offer unique growth paths in today’s crypto landscape: one institutional, one infrastructure.
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments, especially in presale assets, carry risk. Conduct your own due diligence before participating in any investment opportunity.
