Ripple Develops XRP ‘Wall Street Kit’: Developer Predicts ‘Billions Ahead’

In a notable statement from software engineer and AI entrepreneur Vincent Van Code (@vincent_vancode), he claims that the main barriers for institutions wanting to hold and use XRP have shifted from "market structure" to "plumbing." Van Code argues that Ripple has spent 2025 and 2026 building a comprehensive institutional solution for custody, treasury, and prime brokerage, making it feasible for large-scale participation in the XRP ecosystem.

Key Takeaways

Vincent Van Code claims Ripple has created a comprehensive infrastructure for institutional XRP usage, alleviating traditional custody and compliance issues.
The “Wall Street Kit” includes regulated custody, treasury management, and prime brokerage solutions.
Ripple aims to facilitate significant institutional engagement with XRP and RLUSD by improving operational integration and compliance.
The market may soon see a shift in XRP's role from speculative asset to core financial infrastructure, with the potential for increased institutional investments.

Ripple's XRP ‘Wall Street Kit’

Van Code emphasized that self-custody is not a viable option for traditional investors managing retirement funds, pensions, and bank assets. He noted, "Institutions juggling billions in 401(k)s, pensions, hedge funds, banks & governments? Self-custody was always insane—audit hell, compliance nightmares, risk officers saying ‘no way.’” However, he believes that this perspective has changed significantly in 2025-2026. Ripple has developed a robust infrastructure that is regulated, scalable, and trusted by banks, enabling significant sums of money to hold and utilize XRP and RLUSD efficiently.

He argued that the crypto-centric discussion often overlooks the institutional need for regulated custody and reliable reporting that fits seamlessly into existing operational frameworks. According to Van Code, Ripple’s new offerings create a "Wall Street kit" that comprehensively tackles these challenges, integrating payments systems, corporate treasury tools, prime brokerage services, and bank-quality custody solutions.

Although Van Code’s post is not an official announcement from Ripple, it aligns with the growing sentiment among XRP advocates that the development of productized systems and regulated frameworks is crucial for institutional investment and usage.

He highlighted Ripple Payments as a key component, stating it is “ISO 20022-compliant, real-time cross-border rails on XRPL—already moving billions for global banks.” His commentary also linked institutional adoption to surrounding infrastructure designed to make both XRP and Ripple's RLUSD functional within corporate and financial institutions.

Among the important elements he mentioned was GTreasury, which Ripple acquired for $1 billion, and is an enterprise treasury management platform that enables companies to manage both “fiat + digital liquidity in real-time.” Additionally, he referenced Ripple Prime, backed by the acquisition of Hidden Road for $1.25 billion, which offers a prime brokerage solution that includes clearing, financing, and OTC trading of XRP and RLUSD, with quick and cost-effective XRPL settlement for post-trade operations.

When discussing custody solutions, Van Code noted Ripple has focused on creating a bank-oriented service through a series of strategic acquisitions and collaborations. He described Ripple Custody as enhanced by the Palisade acquisition and previous deals involving Standard Custody/Metaco, offering bank-quality, regulated storage with security measures, multi-chain support, and a zero-trust architecture. He added, “This solution is auditable, insured, and scalable for billions,” and claimed that the reserves for RLUSD are held by BNY Mellon, ensuring ultimate trust.

Van Code concluded his post with a clear message: “Bottom line: Excuses have been removed. Compliance is integrated. Custody risk? Solved.” He indicates that institutions are not merely observing but are actively engaging and building on the XRPL. He predicts that in 2026, XRP will transition from being considered a speculative asset to essential financial infrastructure, with substantial investments on the horizon.

If this outlook is accurate, the next indicators for the market will be observable integrations that demonstrate whether these systems facilitate sustained institutional investments, greater liquidity opportunities, and actual use of XRP and RLUSD, leading to noticeable impacts on price.

As of the latest updates, XRP is trading at $2.15.

XRP price chart