Institutional adoption is shifting from speculative exposure to operational integration. BNY Mellon ($50T AUM) launching tokenized deposits and selecting Ripple Prime signals trust in Ripple’s settlement, custody, and compliance stack.

This matters because tokenized deposits function as bank-native digital cash, reducing reliance on stablecoins while enabling 24/7 liquidity movement — a use case XRPL is structurally built for.

The fact that $XRP ETFs reached $1B AUM despite a −12% close in 2025 suggests institutions are positioning for infrastructure relevance, not price momentum.

Net result: Ripple’s 2026 cycle appears institution-led, with XRP increasingly tied to the tokenized cash and payments layer rather than pure speculation.

#XRP #Ripple #TokenizedDeposits #ArifAlpha

XRP

1.911

-0.07%