The post FedNow Expansion: A Major Boost for Ripple and XRP appeared on BitcoinEthereumNews.com.

FedNow’s Next Move Could Put Ripple and XRP on the Fast Track A subtle policy shift from the Federal Reserve could have outsized implications for the future of digital payments, and for Ripple Labs in particular. According to market analyst X Finance Bull, the Fed is proposing an expansion of its instant payment system, FedNow, to allow banks and credit unions to use intermediaries for fund transfers.  At first glance, it’s a technical adjustment. In reality, it may be the missing link between domestic real-time payments and seamless cross-border settlement. As it stands, FedNow is limited to transactions between U.S. financial institutions. The proposed change introduces intermediaries into the flow, entities that can bridge the gap between domestic systems and international payment networks. That’s where Ripple’s infrastructure, and by extension XRP, enters the conversation. Ripple has already crossed a key regulatory milestone, securing conditional approval for a National Trust Bank Charter from the Office of the Comptroller of the Currency (OCC).  If Ripple obtains the full status, it will be able to custody digital assets, offer lending services, and move closer to direct integration with the core Federal Reserve infrastructure, which includes obtaining a Federal Reserve master account. Well, this account is the gateway because it connects a chartered institution directly to the Fed’s payment rails, including FedNow.  How Cross-Border Payments Could Be Rewired A peer-reviewed analysis from the Financial Planning Association points to Ripple’s growing role in cross-border payment infrastructure, even raising the possibility of FedNow integration and access to the Fed’s discount window, a liquidity backstop usually reserved for banks. The signal is clear that the Fed is moving toward a system that can work with intermediaries handling international transfers, and Ripple is increasingly shaping itself to fill that role, with regulatory progress already in motion. Well, adoption…

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Filed under: News - @ April 8, 2026 6:29 pm