Fed’s Documents Mention Ripple. Pundit Says They Didn’t Chose XRP By Accident

When a reference to Ripple and XRP appears in the documentation of the world’s most powerful central bank, it sends shockwaves through both the financial and crypto sectors. The Federal Reserve, which sets the tone for global monetary policy, has long been exploring the modernization of payment systems.

Now, fresh attention is falling on its own materials that reportedly mention Ripple and the XRP Ledger in discussions related to real-time settlement, payment access, and cross-border liquidity.

Ripple Bull Winkle, a well-known voice in the XRP community, drew widespread attention after sharing a video clip on X claiming that the Federal Reserve had confirmed Ripple’s inclusion within its internal documentation. “Brace yourselves, everyone, it is official,” he said.

“You see on your screen the Federal Reserve, yes, the Fed, they confirm that they are indeed working with Ripple in their own documentation.” His statement immediately reignited speculation that the central bank’s modernization efforts may be leaning toward Ripple’s blockchain technology.

Ripple’s Role in Modern Payment Infrastructure

The Federal Reserve has spent years exploring technologies that can support faster, more efficient, and more inclusive payment systems. Ripple has consistently been part of that dialogue. The company has participated in public consultations with the Fed, particularly around instant payment systems like FedNow and the broader Faster Payments Task Force.

In these discussions, Ripple highlighted the XRP Ledger’s ability to enable real-time, cross-border transactions at minimal cost, using XRP as a neutral bridge asset between currencies.

Publicly available Fed documents and responses to policy requests show Ripple’s involvement and mention XRP as part of broader technological solutions for instant settlement.

These references do not constitute a direct endorsement or contract, but they confirm that Ripple’s innovations are being studied as viable components within the Fed’s future-facing payment framework.

Why the Fed’s Mention of Ripple Matters

For decades, cross-border payments have been plagued by inefficiencies, slow transfer times, fragmented liquidity pools, and high costs for remittances and institutional transfers alike. Ripple’s technology was specifically designed to address these shortcomings.

By offering real-time settlement, liquidity sourcing through XRP, and interoperability between banks, Ripple provides a ready-made model that aligns with the Fed’s stated goal of achieving faster, safer, and more accessible payments.

As Ripple Bull Winkle put it, “This same institution that sets global monetary policy aligned with a company building on top of XRP in the XRP ledger. They didn’t pick Ripple by chance; they picked it because XRP’s design solves the problem they actually created: fractured liquidity, slow rails, and outdated settlement.”

His comment captures a growing sentiment that Ripple’s technology is no longer peripheral to the financial system; it is part of the conversation shaping its evolution.

Implications for XRP and Global Finance

Although the Fed’s mention of Ripple does not confirm a direct partnership or operational deployment, it signifies something equally important: legitimacy.

Ripple’s inclusion in official central banking discourse underscores how blockchain-based solutions are now being recognized at the highest institutional levels. It suggests that XRP’s utility, as a bridge between traditional finance and blockchain ecosystems, is being taken seriously within regulatory and policy circles.

If the momentum continues, Ripple’s technology could become integral to the next generation of financial infrastructure, helping institutions transition from legacy systems to blockchain-powered rails. As Ripple Bull Winkle aptly summarized, “They didn’t choose XRP by accident, they chose it because it works.”

In a world where the boundaries between traditional banking and decentralized finance are rapidly fading, the Federal Reserve’s recognition of Ripple marks a pivotal moment in that convergence, a moment that could redefine the flow of money across borders for years to come.