Crypto enthusiast SonOfaRichard has highlighted a recent Form 13F-HR filing that shows Bank of America’s exposure to XRP through an exchange-traded product.
In a tweet accompanied by screenshots from the U.S. Securities and Exchange Commission database, he points to holdings in shares issued by Volatility Shares that are labeled as an XRP ETF.
While the filing does not indicate direct ownership or custody of XRP, SonOfaRichard stresses that it confirms institutional exposure through regulated investment products.
The images attached to the tweet show an information table filed on February 3, 2026. Bank of America appears as the reporting institutional investment manager under a Form 13F-HR/A, which is used to disclose equity positions held by large asset managers.
Within the table, Volatility Shares Trust is listed with several digital asset-related products, including an entry explicitly labeled “XRP ETF,” alongside Ether and Solana ETF products.
Bank of America finally discloses XRP exposure (not custody, but they do) with ETF SHARES through Volatility Shares via their 13F-HR disclosure.
Check the filings.
And the plumbing.
They tell you what’s happening long before price shows up on the scoreboard.Follow for real… pic.twitter.com/ZXMg1A4tRC
— SonOfaRichard (@heythereRich) February 3, 2026
What the Disclosure Represents
According to SonOfaRichard, the key point is not that Bank of America is holding XRP on its balance sheet, but that it has reported ownership of ETF shares that reference XRP exposure.
He describes this as “not custody,” but still a meaningful signal because it places XRP-related instruments within the same regulatory reporting structure used for traditional securities. He encourages readers to verify this directly by reviewing the SEC filing rather than relying on secondary commentary.
The screenshots show how the XRP ETF appears in the same list as other exchange-traded products, using standard identifiers and filing conventions.
SonOfaRichard argues that this matters because Form 13F disclosures are legal requirements, not marketing statements. They provide a record of what institutions are actually holding at the end of a reporting period.
Why Timing and Disclosure Matter
In his tweet, SonOfaRichard emphasizes that filings often reveal institutional behavior before it becomes obvious through price movement.
He refers to the underlying financial infrastructure, noting that disclosures and regulatory records often change first, while market pricing adjusts later. From his perspective, investors who follow these documents gain earlier insight into how large financial entities are positioning themselves.
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He also contrasts the filing with years of criticism directed at the XRP Ledger, XRP, and Ripple by parts of the market. In his view, the appearance of XRP-linked products in filings from major institutions challenges those past narratives.
Rather than public endorsements, he sees these disclosures as evidence of quiet participation through compliant investment vehicles.
Encouraging Direct Review of the Records
SonOfaRichard closes his commentary by urging readers to “check the filings” themselves and to focus on official disclosures rather than hype.
His central argument is that the documented presence of XRP-related ETF shares in institutional reports shows how large financial firms are engaging with digital assets through regulated channels.
He presents the Bank of America filing as another data point that becomes meaningful when carefully examined and in sequence with other institutional disclosures.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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