Ripple’s On-Demand Liquidity (ODL) and the Federal Reserve’s FedNow Service both address liquidity requirements for payment activity that operates around the clock. Crypto researcher SMQKE has used documentation from Ripple and the Federal Reserve to compare the two systems, focusing on 24/7 liquidity management.

In a post on X, SMQKE wrote, “Yes, Ripple’s ODL uses XRP to deliver 24/7 liquidity management which matches exactly what FedNow requires of private sector instant payment services.” The researcher attached screenshots of documentation from both Ripple and the Federal Reserve to support the comparison.

Ripple’s documentation describes ODL as a liquidity management solution for RippleNet customers. The system allows customers to move funds across borders and currencies without pre-funding accounts in different markets. Ripple also says ODL reduces operational costs and frees working capital while supporting continuous cross-border settlement.

The documentation specifically identifies XRP as ODL’s bridge currency. According to the material, ODL sources liquidity on demand and uses XRP to facilitate real-time movement of funds.

Yes, Ripple's ODL uses XRP to deliver 24/7 liquidity management which matches exactly what FedNow requires of private sector instant payment services

This is documented below. pic.twitter.com/MKBfufwUEJ

— SMQKE (@SMQKEDQG) September 18, 2026

FedNow Sets Out Its Liquidity Management Function

The second image from SMQKE’s post comes from Federal Reserve documentation for the FedNow Service. The document discusses Liquidity Management Capabilities, or LMT, which support liquidity management for 24/7 instant payments.

The Federal Reserve document says FedNow enables fund transfers between master accounts, between a master account and a joint account, for private-sector instant payment services.

The document also explains that FedNow participants can authorize service providers to initiate liquidity transfers on their behalf. Correspondent institutions can also settle liquidity management transfers that participating FedNow institutions initiate.

Federal Reserve Banks will implement controls to ensure that participants use these liquidity management transfers only for instant payment liquidity needs.

SMQKE’s comparison centers on the fact that both documents discuss liquidity management in connection with payment systems that operate continuously. The researcher uses the documentation to link Ripple’s description of ODL to FedNow’s stated requirement for liquidity management in private-sector instant payment services.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Comments Highlight Different Interpretations

The post also received contrasting views in the comments. MEPH focused on the role of continuous liquidity infrastructure rather than XRP price targets. MEPH wrote, “Exactly—the durable thesis is 24/7 liquidity infrastructure, not a price slogan.”

MEPH also referenced XRPL 3.4.0 and its lending capabilities. The commenter said validator activation and measurable settlement and borrowing activity would demonstrate whether the network’s available capacity translates into adoption.

Jamie Williamson offered a different interpretation of the comparison. Williamson said FedNow’s Liquidity Management Transfers settle between Federal Reserve master accounts in central bank dollars. The commenter also said this process differs from ODL’s use of XRP to facilitate liquidity between mismatched foreign currencies.

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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Crypto researcher SMQKE (@SMQKEDQG) posted that XRP could be integrated into FedNow. He connected these dots, using Volante Technologies as the link. Volante is a FedNow technology provider with a confirmed Ripple integration.

SMQKE pointed out that Volante confirmed the preferred approach for FedNow connectivity is through a service provider. Volante also confirmed that XRP settlement is available through its Ripple connection. The significance lies in the combination.

Volante sits between financial institutions and the payment networks they need to reach. Its position as a multi-network service provider, paired with an active Ripple integration, puts XRP within reach of institutions connecting to FedNow.

How XRP will be integrated into FedNow through Volante. https://t.co/niTJKFyiOr

— SMQKE (@SMQKEDQG) August 21, 2026

What the 2023 Barometer Showed

The 2023 Faster Payments Barometer surveyed organizations on how they plan to connect to FedNow and RTP. 47% said they prefer connecting through a third-party service provider, while 32% plan to connect directly to each network.

Deepak Gupta, SVP and Global Head of Payments-as-a-Service at Volante, addressed those findings. He said the “#1 preferred approach to connectivity, according to the Barometer, is via a service provider that can quickly connect institutions to multiple networks.” Volante is that provider for a significant portion of the market.

Volante’s Ripple Integration

In June 2020, a user asked Volante on Twitter whether XRP could serve as a settlement mechanism on its platform. Volante replied: “Volante’s platform can be used to settle through XRP via our @Ripple connection.”

That integration has been active since October 2015, when Volante launched the VolPay Hub Ripple integration capability. In 2016, Volante added a new Ripple solution inside the VolPay Foundation payments development platform.

That same year, the company partnered with Ripple to build software designed to accelerate connections to Ripple’s real-time cross-border payment solution. The integration is active, and banks and other Ripple customers have already deployed it.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

The Infrastructure Is Already in Place

Volante connects institutions to both FedNow and The Clearing House’s RTP network. Financial institutions choosing the service provider route, which 47% prefer, route through companies like Volante. Those institutions already have access to XRP settlement on the same platform.

Interoperability remains a priority across the payments industry. The 2023 Barometer found that 92% of respondents consider interoperability across compatible systems to be important. Volante’s multi-network structure addresses that directly. Its Ripple integration extends that structure to include XRP as a settlement option.

SMQKE’s post connects something already confirmed and already operational. The connection between FedNow and XRP, through Volante’s infrastructure, is not a future possibility. The pieces are already connected.

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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Ripple already holds more state licenses than most of its rivals combined. That advantage may soon matter less than a single piece of federal legislation working through Congress.

The PACE Act would give nonbank payment firms unmediated access to Fedwire, FedNow and FedACH, the core payment rails the Federal Reserve operates.

Ripple and Circle stand out as the two companies named specifically as the biggest beneficiaries of the bill. That distinction matters because access to these rails currently runs through a separate, much slower process.

Crypto analyst ChartNerd explained the shift plainly in a tweet. The PACE Act would give Ripple “a much faster, clearer route of direct access to Federal Reserve payment rails (FedNow, etc).” He added that it would let Ripple avoid the Fed’s existing review track entirely, calling it a change that “would literally reduce Ripple’s dependence on correspondent banks.”

GM! —If the PACE Act passes, it'd give @Ripple a much faster, clearer route of direct access to Federal Reserve payment rails (FedNow, etc). Instead of waiting in the Fed's master account review process; it would literally reduce Ripple's dependence on correspondent banks $XRP https://t.co/YuFlQSlk37 pic.twitter.com/jZlPl1zPiQ

— ChartNerd (@ChartNerdTA) August 10, 2026

A Queue With Almost No Precedent

Ripple has a master account application pending with the Federal Reserve, and it is in the Fed’s slowest review category. Only two uninsured institutions have ever received full access through that track. There is no fixed timeline attached to it, and no guarantee of approval at any point.

The PACE Act changes that structure. It introduces a 360-day statutory clock, a fixed deadline that does not currently exist for firms in Ripple’s position. As it stands now, the bill is the only proposal on the table that could let Ripple bypass the open-ended queue altogether and compress a process that could otherwise take years into a matter of months.

Licenses Already In Place

Ripple is not starting from zero on the regulatory side. Crypto commentator BankXRP pointed to the company’s existing footprint, noting that Ripple holds over 50 money transmitter licenses across the US, exceeding requirements set by the PACE Act. BankXRP described that coverage as “regulatory coverage most competitors can’t match.”

That licensing base means Ripple would not need to build new state-level infrastructure if the PACE Act passes. The company’s compliance groundwork is already in place at a scale that exceeds what the legislation itself would require.

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What Passage Would Change

If the PACE Act becomes law, Ripple’s relationship with the Federal Reserve would shift from an indefinite waiting period to a bounded one. The 360-day clock replaces uncertainty with a fixed endpoint, and Circle stands alongside Ripple as one of the two companies the bill was written to accommodate.

For a company that has spent years pursuing a master account without a resolution, a statutory deadline represents a structural change rather than a procedural one. Combined with an existing base of more than 50 money transmitter licenses, Ripple’s position heading into any vote on the PACE Act reflects preparation that predates the legislation itself.

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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Crypto influencer Amonyx has pointed to publicly available Ripple documentation that references FedNow alongside other major U.S. payment systems, arguing that many people still do not fully understand the infrastructure being developed around digital payments.

In an X post, Amonyx highlighted screenshots from Ripple’s documentation and wrote, “Ripple FedNow. The receipts are public. How many people still don’t realize what’s being built?” He accompanied the message with the hashtag XRP, suggesting that the documentation supports a broader narrative about Ripple’s growing role within modern payment networks.

The screenshots attached to the post appear to be from Ripple’s official documentation website and reference several U.S. payment rails, including RTP, FedNow, ACH, and Fedwire.

The document lists transaction limits associated with those systems, including FedNow transactions of up to $500,000, ACH transactions of up to $1 million, RTP transactions of up to $5 million, and Fedwire transactions of up to $100 million.

Ripple FedNow

The receipts are public.

How many people still don’t realize what’s being built? #XRP https://t.co/d2MpvnNOWt pic.twitter.com/ovLXMtjuuX

— Amonyx (@amonyx) June 4, 2026

Focus on Payment Infrastructure

Amonyx’s post highlights the inclusion of FedNow within Ripple’s document. FedNow, launched by the U.S. Federal Reserve, enables instant payments between participating financial institutions across the United States.

The appearance of the service within Ripple’s materials has long attracted attention from members of the XRP community who view it as evidence of Ripple’s integration with established financial infrastructure.

The screenshots shared by Amonyx do not claim that FedNow uses XRP. Instead, they show that Ripple’s documentation includes FedNow as one of several supported payment methods and settlement options available within its payment ecosystem.

By emphasizing that the information is publicly available, Amonyx suggested that evidence of Ripple’s connections to major payment networks can be found directly within company documentation rather than through speculation or unofficial reports.

Community Responses Highlight Ongoing Debate

The post also gained reactions from users who questioned whether Ripple’s business relationships should automatically be linked to XRP’s value proposition.

One user, identified as UhhhhJustPhil, argued that Ripple conducting business does not necessarily mean XRP is involved in those activities. He stated that XRP holders do not own shares in Ripple and cautioned against assuming that corporate developments directly translate into benefits for the digital asset.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Another commenter, Pawel Kopaniecki, expressed a similar view. He agreed that XRP is not equity in Ripple and argued that the company’s growth and valuation should not be viewed as directly connected to XRP’s market performance.

Others maintained a more optimistic outlook. User Dan Lane suggested that current market conditions do not reflect what he believes is happening behind the scenes, arguing that large market participants may be attempting to discourage retail investors while positioning themselves differently.

Amonyx’s post ultimately focused attention on Ripple’s publicly accessible documentation and its references to FedNow, RTP, ACH, and Fedwire.

While opinions remain divided over what such integrations could mean for XRP specifically, the tweet highlighted Ripple’s documented connections to some of the most significant payment systems operating in the United States today.

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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The post XRP Army Reacts As This Public Receipt Links Ripple to FedNow appeared first on Times Tabloid.

The question of how XRP could fit into the global financial system remains one of the most closely watched topics within the digital asset industry.

While supporters have long argued that the asset can serve as a bridge for international payments, discussions often focus on price movements rather than the mechanics of how banks could actually use it.

A recently highlighted video featuring former Ripple legal counsel Jess Cheng has brought that conversation back into focus by outlining a practical framework in which financial institutions could use XRP to settle cross-border transactions behind the scenes.

Former Ripple Legal Counsel’s Remarks Resurface

Crypto researcher SMQKE shared comments made by former Ripple legal counsel Jess Cheng regarding how banks could utilize XRP in cross-border transactions.

In an X post, SMQKE argued that the video demonstrates how XRP could operate in the background of payment systems, describing FedNow as an application layer while positioning the XRP Ledger as a liquidity settlement layer.

The researcher shared a video of Cheng explaining a payment model in which financial institutions can use XRP as a bridge asset to facilitate international transfers between banks that may not have direct correspondent banking relationships. According to SMQKE, the explanation provides insight into the practical role XRP could play in global payments infrastructure.

This is how XRP will be utilized in the background.

FedNow = Application Layer

XRPL = Liquidity Settlement Layer

https://t.co/4HfQUcNSux

— SMQKE (@SMQKEDQG) June 4, 2026

Cheng Explains XRP as a Bridging Asset

In the video attached to the X post, Cheng described a hypothetical scenario involving two banks, Alphabank and Betabank. Traditionally, cross-border payments often require intermediary institutions or shared account holders that maintain relationships with both banks. Cheng suggested that XRP could eliminate the need for such arrangements by acting as a bridge between the two institutions.

She explained that instead of relying entirely on fiat currencies throughout the payment chain, the banks could use XRP to connect the missing link between them. Cheng stated that XRP, which she described as a digital asset native to the XRP Ledger, could serve as a tool that allows value to move between institutions even when direct banking connections are absent.

According to her explanation, the process would involve one bank transferring XRP to another, with both institutions agreeing commercially that the transfer represents settlement of an underlying payment obligation.

Cross-Border Payment Example

To illustrate the concept, Cheng presented an example involving a company in Brazil making a payment to a company in Thailand. In the scenario, Brazilian reais are withdrawn from the sender’s bank account, while Thai baht are deposited into the recipient’s account.

The challenge, she noted, is determining how the two banks involved can complete a settlement between themselves. Rather than relying on a mutual account holder operating in both jurisdictions, Cheng suggested that one bank could hold XRP while the other agrees to receive it.

Under this arrangement, the banks would record their XRP balances on the XRP Ledger and agree that a transfer of a specified amount of XRP constitutes full settlement of the payment. The amount of XRP transferred would be determined in the agreed exchange rate between the institutions.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Cheng explained that the receiving bank would accept a certain amount of XRP in exchange for local currency payment. In this model, the sender and recipient continue to transact in their respective fiat currencies, while XRP functions as a settlement mechanism between the banks.

SMQKE’s Interpretation

SMQKE presented the video as evidence supporting the view that XRP could operate behind the scenes within payment networks rather than serving as a consumer-facing payment asset.

The researcher summarized the concept by stating that payment systems such as FedNow could function as the application layer, as the XRP Ledger could provide the liquidity and settlement layer that enables value transfer between participating financial institutions.

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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The post This Is How XRP Will Be Utilized By FedNow in the Background appeared first on Times Tabloid.

Crypto analyst STEPH IS CRYPTO has shared comments from FedNow contributor Jess Cheng that described how banks could reportedly use XRP to facilitate cross-border settlements without relying on traditional intermediary banking relationships.

In a recent tweet, STEPH IS CRYPTO described the remarks as significant, writing that Cheng explained “how banks could use XRP for cross-border settlement” in what was described as an “off-the-record” video. The post focused on Cheng’s explanation of how financial institutions could use XRP as a bridge asset between two separate banking systems.

The comments centered on a hypothetical scenario involving two institutions, Alphabank and Betabank. According to Cheng, banks often rely on a common account holder or intermediary institution to move funds across borders. However, she said there may be another option that removes the need for that arrangement.

CRAZY: FedNow contributor Jess Cheng reportedly explained in an “off-the-record” video how banks could use $XRP for cross-border settlement. pic.twitter.com/b7IubtW1Qx

— STEPH IS CRYPTO (@Steph_iscrypto) May 18, 2026

XRP Presented as a Bridging Tool Between Banks

During the explanation, Cheng said banks could use XRP as a “bridging tool” to connect payment systems directly. She described XRP as a digital asset native to the Ripple Consensus Ledger and explained that it could help bridge settlement gaps between financial institutions operating in different jurisdictions.

Cheng contrasted the XRP-based process with traditional fiat-based payment chains, where every stage of a transaction depends on national currencies and intermediary relationships. In her example, Alphabank and Betabank could instead use virtual currency only at the settlement layer, while customers continue transacting in local fiat currencies.

The scenario involved a Brazilian company, Alphacorp, making a payment to a Thailand-based company, Betacorp. Cheng explained that the Brazilian real would be withdrawn from the sender’s bank account while the Thai baht would be deposited into the receiver’s account. The challenge, according to her explanation, is how the two banks would settle obligations when they do not share a direct banking relationship.

Example Focuses on Emerging Market Transactions

Cheng stated that this type of system could be particularly useful for banks supporting emerging markets. She explained that it may be difficult to find institutions with correspondent accounts in both Brazil and Thailand, especially when handling less common currency corridors.

According to the explanation, Alphabank could hold XRP while Betabank agrees to accept XRP as settlement for the transaction. The balances would then be recorded on a distributed ledger associated with the Ripple Consensus Ledger.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

She further stated that both banks could agree commercially that payment is completed once a certain amount of XRP is transferred from one institution to the other. Cheng added that the banks would effectively determine an exchange rate between XRP and the fiat currencies involved in the transaction.

XRP’s Banking Use Case Continues to Draw Attention

The video excerpt shared by STEPH IS CRYPTO has gained attention within the digital asset community because it discusses XRP in the context of institutional settlement and international banking operations.

Supporters of XRP have long argued that the asset’s primary utility lies in helping financial institutions move value quickly across borders while reducing reliance on pre-funded accounts and multiple intermediaries.

Although the comments referenced a hypothetical example rather than an announced implementation, the clip has renewed interest in XRP’s potential role in cross-border payment infrastructure and bank-to-bank settlement systems.

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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The post FedNow Contributor Explains How Banks Could Use XRP appeared first on Times Tabloid.

A video featuring Jess Cheng, former legal counsel at Ripple and a key contributor to the Federal Reserve’s FedNow payment system, is circulating online.

Crypto researcher SMQKE (@SMQKEDQG) posted the clip, which contains a detailed, technical explanation of exactly how banks can use XRP to settle cross-border payments.

The Problem XRP Solves

Cross-border payments between banks in different countries require a link. Traditionally, that link is a shared account holder, an intermediary with accounts at both banks. Cheng explains that this works when a common account holder “has an account with Alphabank and with Betabank.”

The problem is that this arrangement breaks down in emerging markets. Finding a shared account holder with accounts in, say, Brazil and Thailand is not practical. This is where XRP enters the picture.

In case you missed it:

Jess Cheng, a former legal counsel at Ripple and a key contributor to FedNow, shared in an “off-the-record” video the precise method in which banks can use XRP for cross-border payments.

Listen closely. https://t.co/lD9I3E1GK6 pic.twitter.com/jSwkOFISt8

— SMQKE (@SMQKEDQG) May 3, 2026

How the Mechanism Works

Cheng walks through a concrete example. Alphacorp in Brazil wants to pay Betacorp in Thailand. Brazilian Real will need to leave Alphacorp’s account at Alphabank, and Thai Baht must move into Betacorp’s account at Betabank. The question is how Alphabank and Betabank settle the transaction between themselves.

Her answer is straightforward. If Alphabank holds XRP, and Betabank agrees to receive XRP, the two banks can settle commercially. As Cheng puts it, Betabank receives the full payment from Alphabank upon the transfer of a specified amount of XRP. The XRP balances are recorded on the Ripple Consensus Ledger, a distributed ledger that both banks can reference.

The two banks also implicitly agree on an exchange rate through this process. Betabank determines how much XRP it will accept in exchange for covering the Thai Baht payment to Betacorp. That agreed amount defines the rate.

Why Emerging Markets are Crucial

Cheng is specific about the use case. She identifies banks “supporting emerging markets” as the primary beneficiaries of this structure. Currency corridors between markets like Brazil and Thailand lack the infrastructure that major currency pairs have. Correspondent banking relationships are thin. XRP functions as a bridge where fiat-to-fiat pathways are difficult to establish.

SMQKE’s post highlights this point. Cheng describes a working commercial framework. One where two banks agree bilaterally to use XRP, record balances on a distributed ledger, and settle without a third-party intermediary.

What This Confirms for XRP

The video confirms that XRP’s role in cross-border payments is not limited to retail or institutional speculation. Banks can deploy it at the settlement layer between themselves to move value across currency corridors that lack traditional infrastructure. The mechanism requires no common correspondent. It requires only that both banks hold or agree to accept XRP.

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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Crypto researcher SMQKE has outlined a perspective on how Ripple’s infrastructure could connect with the Federal Reserve’s FedNow payment system, emphasizing a “plug and play” approach that enables XRP-based services.

In the post, SMQKE states that Ripple can integrate into FedNow through existing service providers, allowing institutions connected to the Federal Reserve to access XRP-related functionalities. The assertion is presented as documented, referencing supporting material included in the attached images.

The materials cited describe how third-party service providers play a central role in enabling connectivity between financial institutions and instant payment platforms.

According to the documentation, these providers act as intermediaries, allowing institutions to access payment networks without building entirely new systems. SMQKE based his claim on this framework that Ripple can integrate into FedNow through similar channels.

Yes, Ripple can simply PLUG INTO FedNow to offer XRP based services to clients connected to the Federal Reserve.

Documented. https://t.co/sDCGQAzuxW pic.twitter.com/nG9gf0lly0

— SMQKE (@SMQKEDQG) April 22, 2026

Role of Service Providers in Integration

The attached excerpts emphasize that service providers offer financial institutions “easy plug and play” options to connect to payment systems such as FedNow.

These providers facilitate technical integration, allowing institutions to send and receive instant payments while maintaining their existing infrastructure. The documents specifically reference solutions designed to help credit unions and other financial entities access FedNow services efficiently.

SMQKE’s interpretation builds on this structure by positioning Ripple within the same ecosystem. The argument suggests that if service providers already enable connectivity to FedNow, Ripple can leverage these connections to introduce XRP-based services. This approach would allow institutions to adopt additional capabilities without replacing their core banking systems.

The documentation also highlights that broader adoption of instant payment platforms depends on accessibility and ease of integration. By lowering technical barriers, service providers encourage participation from a wide range of financial institutions. SMQKE’s position aligns with this principle, presenting Ripple’s potential integration as an extension of existing connectivity models.

Implications for XRP and Payment Flows

The post further implies that such integration could enable XRP to function within domestic payment infrastructure while supporting cross-border transactions. A comment referenced alongside the post expands on this idea, stating that Ripple’s connection through partners could allow XRP to provide liquidity on domestic rails while facilitating international settlement.

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This perspective frames XRP as part of a broader payment flow rather than a standalone system. Institutions could use FedNow for instant domestic transactions while relying on XRP for cross-border transfers, creating a combined structure that addresses different payment needs. The emphasis remains on interoperability and the ability to integrate without significant system overhauls.

The underlying documents reinforce the importance of seamless integration and standardized access to payment networks. They note that financial institutions benefit from solutions that allow them to connect to multiple platforms through a single interface. SMQKE’s argument suggests that Ripple’s technology could operate within this model, offering additional functionality through established channels.

SMQKE’s post presents a structured argument based on documented roles of service providers in the instant payments ecosystem. By highlighting the “plug and play” capabilities described in the materials, the post concludes that Ripple can integrate into FedNow and extend XRP-based services to participating institutions.

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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The post Ripple Can Plug Into FedNow to Offer XRP Based Services. Here’s the Proof appeared first on Times Tabloid.

The global financial system is entering a period of rapid transformation. For years, banks and payment providers have struggled with slow settlement times, expensive intermediaries, and outdated infrastructure that creates friction in both domestic and cross-border transactions. As instant payment systems and modern messaging standards expand, the foundation of how money moves is beginning to change.

Crypto researcher SMQKE recently brought renewed attention to this shift by arguing on X that FedNow, ISO 20022, and XRP together create “a level playing field” for modern finance. To support the claim, SMQKE shared documents showing how FedNow improves domestic payment efficiency while ISO 20022 strengthens interoperability across the global banking system. In that environment, XRP’s compliance with the same standard gives it strategic relevance.

FedNow Is Reshaping Traditional Banking

FedNow is the U.S. Federal Reserve’s instant payment service launched in July 2023. It allows banks and credit unions to send and receive payments in real time, 24 hours a day, seven days a week. The system uses ISO 20022 messaging standards to support richer payment data and stronger interoperability across financial institutions.

FedNow + ISO 20022 + XRP = “A Level Playing Field”

Documented. https://t.co/sDCGQAzuxW pic.twitter.com/48z9YirS4B

— SMQKE (@SMQKEDQG) April 22, 2026

One of the documents shared by SMQKE, sourced from Samaha & Associates, described FedNow as “the first thing to level the playing field since ACH.” The report explained that instant settlement could reduce dependence on paper checks, lower merchant processing costs, and improve funding flexibility for financial institutions.

It also noted that as more transactions move to FedNow, traditional processes such as branch deposits, mobile check deposits, and even wire transfers could lose relevance. For merchants, direct instant settlement could reduce the need for expensive point-of-sale systems and lower interchange fees.

Why ISO 20022 Matters for XRP

The second document, published by nocash.ro, focused on the broader importance of ISO 20022. The standard creates a common language for financial messaging, allowing banks, payment systems, and central bank digital currencies to communicate more efficiently across borders.

The report explained that ISO 20022 could improve interoperability between different CBDCs and help maintain a more balanced global financial system. It specifically highlighted XRP as one cryptocurrency positioned to benefit because of its compatibility with the standard.

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Unlike many digital assets built purely for speculation, XRP was designed for payments and liquidity. Its compliance with ISO 20022 allows it to operate alongside centralized financial systems rather than outside them, which strengthens its relevance for institutional use.

FedNow Does Not Directly Use XRP

Despite frequent claims across social media, FedNow does not directly use XRP in its core operations. FedNow processes domestic U.S. payments in dollars through the Federal Reserve’s own infrastructure. Its confirmed connection to XRP lies in shared compatibility through ISO 20022, not direct integration.

SMQKE’s argument focuses on that compatibility. As instant payments and standardized financial messaging become the global norm, XRP supporters believe the asset stands in a stronger competitive position for cross-border liquidity and institutional settlement.

For many investors, that shared infrastructure standard—not direct FedNow adoption—is where XRP’s long-term opportunity truly begins.

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 urged to do in-depth 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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The post XRP In a Level Playing Field With FedNow and ISO 20022, Says Researcher With Proof appeared first on Times Tabloid.

Global payments continue to evolve as central banks modernize settlement systems to support instant, always-on financial transactions. Financial institutions now prioritize speed, interoperability, and liquidity efficiency over legacy batch processing systems. This shift has intensified speculation around how emerging blockchain technologies might intersect with new payment infrastructures in the United States.

That discussion gained fresh attention after researcher SMQKE shared a post on X asserting that FedNow will use XRP. In the post titled “Researcher Says Point Blank: FedNow Will Use XRP,” SMQKE presented XRP as a potential component in the evolving architecture of real-time payments, sparking renewed debate across the crypto community.

FedNow and Its Role in U.S. Payment Modernization

The Federal Reserve launched FedNow in 2023 to enable instant domestic payments between participating financial institutions. The system allows banks and credit unions to settle transactions in real time, eliminating traditional delays associated with clearing and settlement cycles.

FedNow will use XRP.

— SMQKE (@SMQKEDQG) April 22, 2026

FedNow operates entirely within the U.S. banking framework and focuses on domestic payment efficiency rather than cross-border transfers or digital asset integration. The Federal Reserve has positioned the system as a foundational upgrade to the U.S. payments infrastructure, designed to improve liquidity management and reduce settlement friction between institutions.

SMQKE’s Claim and the XRP Narrative

SMQKE’s post introduces a controversial interpretation of XRP’s potential role within broader financial infrastructure. He argues that XRP could function within or alongside FedNow as part of a liquidity optimization layer in real-time settlement systems.

This claim reflects a wider narrative in the crypto industry that positions XRP as a bridge asset capable of connecting disparate financial networks. In this view, blockchain-based liquidity tools complement rather than replace traditional systems, enabling faster movement of value between institutions. However, no official documentation or Federal Reserve statement confirms any direct integration between FedNow and XRP.

How Ripple Technology Enters the Conversation

Ripple’s payment infrastructure focuses on enabling faster cross-border transactions through solutions such as RippleNet and liquidity services that leverage digital asset rails. XRP is a bridge asset in these models, helping financial institutions reduce pre-funded account requirements and improve foreign exchange efficiency.

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Industry discussions frequently explore how blockchain liquidity systems might align with real-time payment frameworks. Analysts often note that interoperability layers could let banks run traditional systems like FedNow alongside blockchain-based networks, depending on transaction needs.

Interoperability Remains the Central Theme

The broader financial landscape does not currently indicate direct integration between FedNow and any cryptocurrency network. Instead, it reflects a gradual shift toward interoperability, where multiple payment systems coexist and interact through standardized messaging protocols and settlement frameworks.

This multi-rail structure allows institutions to select the most efficient payment path for each transaction while maintaining compliance with regulatory and operational requirements.

Speculation Versus Verified Integration

SMQKE’s statement represents a strong interpretive position within ongoing discussions about XRP’s institutional relevance. However, there is no confirmed evidence that FedNow directly uses XRP.

What remains clear is the direction of global payment systems. Central banks and financial institutions continue to prioritize real-time settlement, interoperability, and liquidity efficiency. Within that evolving framework, XRP remains part of broader industry speculation about how blockchain liquidity could interact with future financial infrastructure.

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 urged to do in-depth 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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The post Researcher Says Point Blank: FedNow Will Use XRP appeared first on Times Tabloid.