XRP news today: WhiteRock Seeks U.S. Federal Reserve Meeting to Integrate XRP Ledger

WhiteRock has formally requested a meeting with the U.S. Federal Reserve to explore the integration of XRP Ledger (XRPL) into the nation’s federal banking system. This initiative was revealed by prominent crypto analyst Haliuzzi, who described the proposal as a clear demonstration of “real-world utility in motion.”

The proposal comes at a critical juncture for XRP and Ripple, as there is growing momentum around the asset’s use in global finance. If successful, this integration could significantly reshape how U.S. banks handle compliance, security, interoperability, and settlement, leveraging XRP Ledger’s unique architecture for enhanced efficiency and scalability.

WhiteRock’s request represents a notable shift in the dialogue between blockchain innovators and central banking institutions. The company’s proposal focuses on deploying XRP Ledger technology as a backbone for digital settlement and compliance operations in the U.S. financial system. Unlike speculative or experimental blockchain proposals, this initiative is grounded in the practical benefits of XRPL, including enterprise-grade security, real-time scalability, and robust interoperability with legacy payment infrastructure.

The timing of this proposal is particularly relevant as central banks across the globe accelerate efforts to modernize payment systems. A Federal Reserve engagement with a decentralized network like XRPL would signal a profound endorsement of public blockchain innovation in the traditionally conservative U.S. banking sector.

One of the cornerstone claims in the proposal is XRPL’s ability to elevate Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance. XRPL’s transparent and immutable ledger, combined with smart contract capabilities and interoperability, could allow financial institutions to maintain real-time compliance oversight across both domestic and international transactions. This technology would serve as a compliance-first bridge between institutions, allowing for tighter controls, automated reporting, and seamless verification—all while maintaining the privacy and decentralization principles that blockchain advocates champion. For regulators like the Federal Reserve, such a solution could help close the gap between innovation and oversight.

Another focal point of WhiteRock’s proposal is XRPL’s native interoperability with existing financial networks. The ability to integrate smoothly with the Federal Reserve’s systems, like Fedwire or the upcoming FedNow real-time payments service, could offer immense advantages, enabling faster settlement times and reducing costs traditionally associated with cross-border payments and clearinghouses. The XRPL is uniquely suited for such integration, having been designed with interledger communication and tokenization of fiat currencies, securities, and other financial instruments in mind. WhiteRock’s initiative envisions a future in which XRPL serves as a universal protocol layer, acting not only as a ledger of record but as a tool for connecting disparate banking technologies.

The XRP Ledger’s infrastructure is already known for its efficiency, handling up to 1,500 transactions per second with near-instant finality and low costs. For federal-scale banking systems, such performance could revolutionize the way financial institutions process payments, manage liquidity, and interact with central banks. Security is another key selling point. The ledger has operated without incident since its inception in 2012, with its decentralized consensus mechanism offering resistance to traditional attack vectors that often plague centralized financial networks. These attributes form the foundation of WhiteRock’s pitch to the Fed: a resilient, scalable, and proven technology ready for real-world integration.

Haliuzzi’s commentary reflects the broader optimism in the XRP community and among blockchain advocates. The prospect of a formal conversation between WhiteRock and the Federal Reserve is not only symbolic of XRP’s institutional maturation—it also reaffirms that blockchain utility is no longer theoretical. As Haliuzzi emphasized, “The shift is happening.” And indeed, the narrative around XRP has moved from regulatory uncertainty to government-level adoption strategies. This development follows recent milestones such as the approval of XRP-related ETFs, the launch of regulated XRP futures on CME Group, and growing central bank interest in the XRPL for CBDC pilots. Together, these events signify that XRP is increasingly viewed as more than just a digital asset—it is a platform for programmable finance and financial reform.

WhiteRock’s move to initiate dialogue with the U.S. Federal Reserve marks a potentially historic turning point. While the outcome of the proposed meeting remains uncertain, the proposal itself is a powerful testament to the XRP Ledger’s credibility and technical robustness. From compliance automation to global liquidity facilitation, the XRPL is no longer just an innovative idea—it’s becoming a strategic asset in the eyes of traditional finance. As institutional momentum continues to build, the significance of XRP technology in reshaping global finance from the inside out becomes increasingly apparent.