{"id":71885,"date":"2026-05-01T02:12:23","date_gmt":"2026-05-01T02:12:23","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/xrp-eyes-bigger-us-payments-role-amid-fed-access-talks\/"},"modified":"2026-05-01T02:12:23","modified_gmt":"2026-05-01T02:12:23","slug":"xrp-eyes-bigger-us-payments-role-amid-fed-access-talks","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/xrp-eyes-bigger-us-payments-role-amid-fed-access-talks\/","title":{"rendered":"XRP Eyes Bigger US Payments Role Amid Fed Access Talks"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<p><strong>Key Takeaways:<\/strong><\/p>\n<ul>\n<li>Evernorth\u2019s CEO said limited Fed account access could reshape <span>stablecoin<\/span> settlement infrastructure.<\/li>\n<li> <span>XRP<\/span> could serve as a dollar movement rail after Federal Reserve settlement occurs.<\/li>\n<li>Regulatory proposals and Evernorth\u2019s $1 billion raise add a public-market layer to the <span>XRP<\/span> strategy.<\/li>\n<\/ul>\n<h2>Federal Reserve Access Debate Shapes <span>Stablecoin<\/span> Role<\/h2>\n<p>A policy discussion shared April 30 by Evernorth CEO Asheesh Birla on social media platform X linked <span>XRP<\/span> to a potential shift in U.S. payment infrastructure. Evernorth is building a public <span>XRP<\/span> treasury model for institutional exposure. Birla\u2019s thread focused on whether certain <span>stablecoin<\/span> issuers could gain limited access to Federal Reserve accounts, creating a new role for <span>XRP<\/span> in dollar movement.<\/p>\n<p>The Evernorth executive framed the issue around access to core settlement infrastructure. The proposal would allow certain federally chartered <span>stablecoin<\/span> issuers to open a narrower version of a Federal Reserve master account. He wrote:<\/p>\n<blockquote>\n<p>\u201cA \u2018master account\u2019 at the Fed is the top of the payments plumbing. It provides direct access to settle dollars at the source. Today, only banks have it. Every payment app routes through a bank to touch it.\u201d<\/p>\n<\/blockquote>\n<p>Birla also cited regulatory activity, including a Federal Reserve staff note, an Office of the Comptroller of the Currency (OCC) <a href=\"https:\/\/news.bitcoin.com\/occ-proposes-new-rules-for-stablecoin-issuers-under-genius-act\/\">proposal<\/a>, and a Federal Deposit Insurance Corporation (FDIC)<a href=\"https:\/\/news.bitcoin.com\/fdic-proposes-genius-act-rules-for-bank-stablecoin-issuers-11-reserves-and-2-day-redemptions-required\/\"> proposal<\/a>. The March 30 Federal Reserve staff note examined how payment <span>stablecoins<\/span> could reduce frictions in cross-border transfers. It described a model where funds are converted into <span>stablecoins<\/span>, moved more directly, and later exchanged into local currency. The note said adoption would depend on regulation, technology, and conversion costs. Separately, the FDIC said April 7 that its board approved a proposed rule to implement GENIUS Act standards covering reserve assets, redemption, capital, risk management, custody, and safekeeping for permitted payment <span>stablecoin<\/span> issuers.<\/p>\n<h2> <span>XRP<\/span> Positioned as Movement Layer in Payment Stack<\/h2>\n<p>For <span>XRP<\/span>, the central issue is where movement happens after settlement access is granted. In Birla\u2019s framing, qualifying <span>stablecoin<\/span> issuers would still settle through the Federal Reserve. <span>XRP<\/span> would not replace that settlement layer. Its possible role would be moving dollars through the payments stack once regulated <span>stablecoin<\/span> infrastructure connects more directly with bank accounts.<\/p>\n<p>The Ripple USD (RLUSD) <span>stablecoin<\/span> example sharpened that point. \u201cRLUSD is issued by Ripple\u2019s New York-regulated trust company. That regulatory profile is close to what a skinny master account contemplates,\u201d the Evernorth executive explained, adding:<\/p>\n<blockquote>\n<p>\u201cIf the proposal advances and RLUSD qualifies, settlement still happens at the Fed. But <span>XRP<\/span> becomes a movement rail for dollars inside the US payments stack.\u201d<\/p>\n<\/blockquote>\n<p>The claim remains conditional, but it places <a href=\"https:\/\/www.binance.com\/en\/price\/xrp\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">XRP<\/a> in the operating layer of a potential stablecoin-based payment structure.<\/p>\n<p>Evernorth adds a public-market angle to the same <a href=\"https:\/\/www.binance.com\/en\/price\/xrp\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">XRP<\/a> theme. The company filed a Form S-4 <a href=\"https:\/\/news.bitcoin.com\/evernorth-details-xrp-treasury-strategy-in-s-4-filing-with-sec-targeting-nasdaq\/\">registration statement<\/a> on March 18 with the U.S. Securities and Exchange Commission (SEC) for its proposed business combination with Armada Acquisition Corp. II (Nasdaq: XRPN). Evernorth said it is building regulated, transparent <a href=\"https:\/\/www.binance.com\/en\/price\/xrp\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">XRP<\/a> exposure through an actively managed treasury strategy. The company has raised more than $1 billion in gross proceeds and expects to become a publicly traded <a href=\"https:\/\/www.binance.com\/en\/price\/xrp\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">XRP<\/a> treasury company on Nasdaq if the deal closes.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/xrp-eyes-bigger-us-payments-role-amid-fed-access-talks\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways: Evernorth\u2019s CEO said limited Fed account access could reshape stablecoin settlement infrastructure. XRP could serve as a dollar movement rail after Federal Reserve settlement occurs. Regulatory proposals and Evernorth\u2019s $1 billion raise add a public-market layer to the XRP strategy. Federal Reserve Access Debate Shapes Stablecoin [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":71886,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/71885"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=71885"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/71885\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/71886"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=71885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=71885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=71885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}