Ripple's institutional embedding boosts XRP adoption case: joined ISO 20022 in 2020 and Ripple-aligned infrastructure precedes the FedWire ISO 20022 mandate (July 2025); Ripple held seats on the Fed Faster Payments Task Force, IMF fintech advisory board, WEF and multiple digital-currency groups, signaling mainstream crypto integration and potential payment-rail use for XRP. Talent, funding and M&A reinforce token utility and market positioning: Ripple hired former Treasury/Fed/SWIFT/SEC/BlackRock officials and spent nearly $4 billion in 2025 on ecosystem investments (≈$3B on acquisitions), which management says have outperformed projections—positive for XRP adoption, utility and funding dynamics in crypto and DeFi contexts.

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Most crypto investors develop convictions through price charts and market cycles. XRP Bags, a widely followed XRP enthusiast on X, holds his through something else entirely, which is a documented paper trail connecting Ripple to nearly every major institution currently building a new financial system.

In a post that has circulated across the XRP community, the analyst laid out a short version of why he has never wavered on XRP, regardless of market conditions.

XRP Has A Seat On Every Table That Matters

XRP Bags’ conviction on XRP is mostly due to its access. Ripple, he notes, was the only crypto company invited to the Federal Reserve’s payments task force, the only one featured by the World Bank’s Better Than Cash Alliance, and the first ISO 20022 member focused on distributed ledger technology.

In July 2025, the US Federal Reserve officially adopted ISO 20022 for its FedWire Funds Service, requiring all financial institutions using FedWire to send and receive messages in the new format.

Ripple had already positioned itself ahead of that transition. In 2020, it became the first blockchain company to join the ISO 20022 Standards Body and has since aligned its infrastructure, particularly RippleNet, to meet the standard’s requirements.

The analyst also pointed to Ripple’s seats on the IMF’s fintech advisory board, the World Economic Forum, the Digital Dollar Project, the Digital Pound Foundation, and the Digital Euro Association as reasons why he keeps holding XRP through everything.

The mention of Ripple’s participation in the Federal Reserve’s Faster Payments Task Force is often cited within the XRP community as a key milestone. These partnerships were also noted at WEF 2026 in Davos, where Ripple CEO Brad Garlinghouse participated in discussions around blockchain, CBDCs, and cross-border payments.

The Talent Strategy Behind Ripple

XRP Bags is not relying on Ripple’s partnerships alone on its conviction, but also on the talent behind Ripple’s workings and who the company has chosen to hire.

Over time, Ripple has brought in individuals with backgrounds tied to regulators. The list he cited includes former US Treasury officials, former Federal Reserve attorneys, former SWIFT board members, former SEC chairs, former BlackRock digital asset executives, and former Obama and Clinton administration advisors.

According to the pundit, this list is composed of people who were chosen to build the new financial system before most people knew a new financial system was being built. He summed it up by asserting that “the people building the future already made their choice.”

There’s no denying the fact that Ripple is positioning itself as a top contender in the future of finance. In 2025, Ripple engaged in an acquisition spree, spending nearly $4 billion in total ecosystem investments and strategic deals, including almost $3 billion on major acquisitions.

These moves are expected to strengthen the foundation of XRP’s long-term value. According to CEO Brad Garlinghouse, improving XRP utility is Ripple’s North Star, and some of its major acquisitions from last year have already surpassed internal projections.