Ripple (XRP) Is Working With Bank of America. Here’s the Proof

Visual Evidence of Ripple’s Model

Prominent crypto researcher SMQKE (@SMQKEDQG) recently shared a set of presentation materials emphasizing Ripple’s growing institutional reach and governance framework. In the post, SMQKE revealed that Ripple is working with Bank of America, referencing slides that include Bank of America’s name among Ripple’s confirmed and historical partners. The images provide a detailed look at the company’s structured network and its collaboration with major financial institutions worldwide.

The first image highlights Ripple’s network architecture, described as “A Network with Rules and Governance.” It outlines multiple operational layers, ranging from the Ripple API and liquidity to governance, rule sets, messaging, and settlement infrastructure. Listed under “advisors” are Bank of America, Santander, MUFG, Standard Chartered, and Westpac, institutions that play visible roles in Ripple’s ecosystem. This graphic presents Ripple as a payment solutions provider with an organized XRP-powered framework guided by regulatory and institutional participation.

Global Banking Partnerships in Focus

Another slide displays a comprehensive roster of major banks and payment firms associated with Ripple’s technology. Names such as SCB, Santander, MUFG, UBS, BBVA, Axis Bank, and Bank of America appear alongside other regional financial leaders. A specific case study highlights a collaboration between SCB Thailand and SBI Remit, which reduced transfer times between Japan and Thailand “from 2 business days to 2-5 seconds.” This example illustrates XRP’s capacity to facilitate faster cross-border transactions, and the advantages these banks enjoy through partnership with Ripple.

Evidence of XRP’s Use in Real-World Applications

A third image, titled “Recent Use Cases of Top Cryptocurrencies,” places XRP among leading digital assets like Bitcoin and Ethereum. The entry for XRP describes it as “a cross-border bridge currency” and notes that it is used by “hundreds of financial institutions, including American Express.” The document also mentions Ripple’s partnerships with sustainability and development leaders, including the Bill and Melinda Gates Foundation, with goals tied to financial inclusion by 2030.

Ripple’s Expanding Ecosystem and Market Confidence

The fourth slide displays a newer snapshot of Ripple’s partner network, showing over “500+ partners and growing.” It includes logos from banks and payment companies such as Bank of America, CIMB, Kotak, Lulu Exchange, SBI Remit, and MoneyGram. The presence of major institutions alongside emerging fintech players illustrates XRP’s growing role as a bridge between traditional banking and digital payments. The visual evidence suggests a maturing infrastructure that will integrate XRP into the operations of established financial systems.