A new proposal from the Federal Reserve has introduced a significant development in the evolution of instant payments.
On April 8, 2026, the central bank invited public comment on a plan to allow U.S. banks and credit unions to use intermediaries to transfer funds through the FedNow Service. The announcement signals a shift toward greater flexibility in the U.S. financial infrastructure.
According to the official press release, the proposal would enable institutions to transact with correspondent banks to facilitate the international portion of cross-border payments.
At present, FedNow transactions involve only two U.S. banks. This change introduces a pathway for broader connectivity and expanded use cases within the global payments ecosystem.
A Strategic Development Highlighted by X Finance Bull
Crypto commentator X Finance Bull (@Xfinancebull) emphasized the significance of this proposal for digital assets, particularly XRP. He stated, “THIS COULD BE A MAJOR UNLOCK FOR RIPPLE AND XRP.” His analysis highlights how the inclusion of intermediaries could support cross-border transactions and align with Ripple’s long-term objectives in global payments.
He further noted that the proposal “opens the door for intermediaries to plug in and facilitate the international side of a payment.” This development reinforces the relevance of blockchain-powered solutions that focus on efficiency, liquidity, and interoperability.
JUST IN 🚨🚨🚨 The Federal Reserve just proposed expanding FedNow to allow banks and credit unions to use intermediaries for fund transfers.
THIS COULD BE A MAJOR UNLOCK FOR RIPPLE AND $XRP.
Right now, FedNow only allows transfers between two U.S. banks. This proposal opens the… pic.twitter.com/4Z7hYNhkng
— X Finance Bull (@Xfinancebull) April 8, 2026
Ripple’s Conditional Approval and Institutional Progress
Ripple has already secured conditional approval for a national trust bank charter from the Office of the Comptroller of the Currency. The authorization positions Ripple to custody digital assets, provide lending services, and potentially access Federal Reserve payment systems such as FedNow.
The next milestone is a Federal Reserve master account. Approval would connect Ripple directly to the central bank’s financial infrastructure, enabling seamless participation in instant payment networks. This step would strengthen Ripple’s capacity to integrate blockchain technology with traditional banking systems.
X Finance Bull drew attention to an analysis published in the peer-reviewed journal of the Financial Planning Association. The study highlighted Ripple’s role in advancing cross-border transactions. It referenced the potential for FedNow access and participation in the Federal Reserve’s discount window, reinforcing confidence in Ripple’s institutional trajectory.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
XRP’s Role in the Future of Global Payments
The proposal aligns with growing global interest in interoperable financial systems. Over 300 financial institutions have explored or adopted XRP as a liquidity solution for cross-border payments. This momentum shows confidence in the digital asset’s efficiency and scalability.
Ripple has also engaged with leading international organizations, including the International Monetary Fund and the Bank for International Settlements, on initiatives related to interoperable digital money. As X Finance Bull concluded, “The Fed just opened a door.”
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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