FedNow Could Soon Run on XRP—Ripple Seeks Direct Federal Reserve Access

The future of U.S. instant payments could soon be powered by the XRP Ledger. In a bold move that’s sending waves through both crypto and traditional finance, Ripple is reportedly seeking direct access to the Federal Reserve’s real-time payment system—FedNow. And alongside Ripple on this trajectory is CryptoTradingFund, which has successfully onboarded retail titans like Amazon and Walmart into its blockchain-based payment rewards framework. Still in its beta phase, this ecosystem has already processed over $2.23 million in transactions using its native CTF Token, setting the stage for a massive disruption in how payments and rewards interact on a national and global scale.

Ripple’s potential integration with FedNow could radically change how fast, efficient, and cost-effective domestic transactions are conducted. By utilizing XRP’s high-speed, low-cost infrastructure, the FedNow service—which was officially launched in July 2023 to enable 24/7/365 instant payments—could finally solve many of the bottlenecks plaguing the traditional banking system. But what makes this development even more intriguing is the role of CryptoTradingFund, which is actively building its payment rewards system on the XRP Ledger. This synergy could make XRP not just a settlement layer for banks, but also a loyalty and rewards engine for everyday consumers.

The CTF Token, acting as the fuel of the CryptoTradingFund ecosystem, is the only blockchain-native payment rewards token with the potential to move over $3.66 trillion in volume, given its projected integration into retail, travel, and e-commerce sectors. Imagine getting rewarded in CTF Tokens for shopping at Amazon or Walmart and then instantly using those tokens via a FedNow-connected wallet. That’s not just efficiency—it’s financial evolution.

Ripple’s strategic pursuit of a direct Fed connection would eliminate the need for intermediaries, lowering costs and reducing transaction times from days to mere seconds. While Ripple has already made headlines by working with central banks on CBDCs and global financial institutions for cross-border remittances, this move signals its ambition to become an infrastructure layer for the United States’ domestic payments as well.

At the same time, CryptoTradingFund is positioning itself as the go-to blockchain platform for rewards, taking full advantage of XRP Ledger’s scalability and compliance-friendly architecture. The combination of utility, real-world partnerships, and governmental integration opens a unique lane where blockchain meets real-world finance, not in theory—but in live, high-volume practice.

With over 120 institutions already using FedNow and Ripple’s track record of financial partnerships worldwide, the possibility of XRP being integrated into the U.S. federal payment backbone no longer seems far-fetched. And if this vision comes to life, it won’t just be banks and governments that benefit—consumers, shoppers, and everyday users of CTF Tokens will be at the center of this financial revolution.

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