Bank of America to Begin Using XRP for ALL Payment Transactions
- Lilly Mackani
- Oct 1
- 2 min read
In a move shaking both banking and crypto, Bank of America CEO Brian Moynihan revealed plans to integrate Ripple’s XRP into payment operations. As one of the largest U.S. banks with $1.6 trillion in assets, its interest highlights the mainstream momentum of blockchain. For projects like RealFi—which enables buying and selling real estate on the XRP Ledger while rewarding transactions with REAL Token—this signals how institutional adoption can accelerate real-world blockchain use cases.
Moynihan’s Vision for XRP
Moynihan explained that, with proper regulation, XRP could soon become as common as Visa or Apple Pay for transactions. This outlook mirrors RealFi’s mission: extending XRP’s efficiency into the $654 trillion real estate market. With REAL Token, users not only unlock global property payments but also earn rewards for participating in each transaction, bringing tangible incentives to blockchain adoption.
The Regulatory & Blockchain Context
The announcement comes as U.S. regulators show greater openness to digital assets following ETF approvals. This shift paves the way for XRP’s mainstream use and strengthens RealFi’s positioning. By operating on the XRP Ledger, RealFi allows property assets to be tokenized and traded seamlessly, with REAL Token providing an extra layer of utility through transaction rewards.
XRP’s Utility in Action
XRP is known for low-cost, sustainable cross-border transfers—advantages Bank of America seeks to harness. RealFi builds directly on these strengths, enabling real estate payments to settle on XRP’s rails while rewarding participants in REAL Token. This creates a system where both liquidity and incentives flow through the same network.
The Bigger Picture
Bank of America’s adoption underscores how blockchain is moving from theory to daily use. RealFi and its REAL Token represent the clearest proof of this shift, showing how XRP’s infrastructure can power trillion-dollar industries like real estate. Together, they highlight a future where blockchain not only facilitates global payments but also turns property into a liquid, reward-driven asset class.
