Crypto researcher SMQKE stated in a post on X that XRP was engineered to operate within established banking infrastructure. The documents he highlighted in his post focused on the operational realities faced by global banks, particularly liquidity management, regulatory capital treatment, and cross-border settlement efficiency. Taken together, they present a technical case for why XRP is discussed in institutional and central banking contexts . THESE DOCUMENTS EXPLAIN WHY XRP IS BUILT FOR TIER-1 BANK USE Ripple already operates with 100+ banks, including major Tier 1 institutions, covering over 80 percent of global trade corridors, proving the network functions at true global scale. Central banks across the… pic.twitter.com/jktUyh11Ir — SMQKE (@SMQKEDQG) December 30, 2025 Global Banking Reach and Network Scale The materials referenced emphasize that Ripple’s payment network already works with more than 100 banks worldwide , including several Tier-1 institutions. According to the documentation, these relationships collectively cover over 80% of the world’s most important trade corridors. This level of geographic and institutional coverage is presented as evidence that the system operates at a global scale. The documents further note that participation is not limited to large international banks. Regional institutions, cooperative banks, and financial intermediaries are also part of the ecosystem, allowing liquidity routes to form across both developed and emerging markets. This breadth is positioned as essential for any infrastructure intended to support Tier-1 banking activity. Liquidity Constraints Under Basel III A central theme of the material relates to Basel III regulations and their impact on cross-border payments. Under current correspondent banking models, banks are required to hold huge capital in pre-funded nostro accounts across multiple jurisdictions. These idle balances increase balance sheet pressure and carry opportunity costs, while also counting against regulatory capital requirements. The documents explain that XRP was designed to act as a bridge asset in this context, allowing value to be sourced on demand rather than held in advance. By reducing the reliance on pre-funded accounts, banks are shown how they could release trapped capital and improve balance sheet efficiency while remaining compliant with Basel III standards. Central Bank Awareness and System-Level Consideration The attached document also highlights public references by central banks and regulatory institutions that have examined Ripple’s technology and XRP as part of their discussions on payment modernization. These references are described not as endorsements, but as indications that the technology is being evaluated within formal policy and infrastructure conversations. Such engagement is presented as reinforcing institutional credibility, particularly because central banks tend to assess systems based on resilience, compliance, and interoperability rather than speed alone. The inclusion of XRP in these discussions is positioned as a signal of system-level relevance. Positioning XRP for Tier-1 Banking Use According to the documentation cited, it is the combination of existing bank integrations, regulatory awareness, and a liquidity model aligned with modern capital requirements that defines XRP’s Tier-1 readiness. The materials do not claim universal adoption, but they do outline why the asset continues to be examined as part of serious financial infrastructure planning. 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. Follow us on X , Facebook , Telegram , and Google News The post These Documents Explain Why XRP Is Built for Tier-1 Bank Use appeared first on Times Tabloid .
