Markets
February 17, 2026
Banks using XRP for payment settlement is moving from concept to reality. Dilip Rao, a former Ripple executive, recently outlined the next phase of the strategy: onboard institutions first, then route payment volume through XRP. At the same time, Franklin Templeton XRP exposure hit 118.3 million tokens in just three months, and XRP Ledger adoption is now showing up in regulated financial products, not just roadmaps. XRP bank settlement is no longer a distant possibility.
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How Banks Using XRP and Institutional Adoption Could Redefine Settlement
The Ex-Ripple Insider’s Roadmap
Dilip Rao stated:
“The next phase of Ripple’s strategy is banks using XRP for payment settlement. First, onboard every institution to the network. Then, route payment volume through XRP.”
The post picked up over 54,900 views. The roadmap Rao described suggests the institutional groundwork is largely in place, and actual volume routing through XRP bank settlement is what follows.
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Franklin Templeton’s Numbers Tell the Story
Franklin Templeton’s first quarterly report for its XRP ETF, ticker XRPZ, listed on NYSE Arca, was filed on February 17, 2026. The fund launched November 24, 2025.
🚨BREAKING: Franklin Templeton’s XRP ETF Report OUT — 118 MILLION XRP ACCUMULATED IN JUST 3 MONTHS 🤯🔥
— Diana (@InvestWithD) February 18, 2026
Franklin Templeton’s (@FTI_US) first quarterly report for its $XRP ETF (ticker: XRPZ) is officially LIVE. 👀
It accumulated 118.3 MILLION XRP — valued at approximately $216… https://t.co/tD5mj6SAJy pic.twitter.com/Eci9NsNxao
The report shows 118.3 million XRP accumulated, valued at approximately $216 million as of year-end 2025. That’s a significant chunk of supply absorbed through a single regulated product in under three months, and XRP Ledger adoption is what’s making that infrastructure possible.
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Banks Using XRP: What Comes Next
Speed and cost are the core advantages. XRP transactions settle in seconds at fractions of a cent, compared to days and multiple fees through traditional correspondent banking. With regulatory clarity improving and institutions already connected to the network, routing real payment volume through XRP bank settlement is the logical next step, and Wall Street is already positioning ahead of it.
