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Is Ripple's stablecoin RLUSD becoming the preferred choice for Bank of America? Compliance and deep cooperation attract market attention.
Industry analysis indicates that the stablecoin RLUSD issued by Ripple has become the number one seed player in the stablecoin market for Bank of America due to its strong Compliance foundation and long-term technological cooperation. Although Bank of America CEO Brian Moynihan stated that a clearer regulatory framework is needed, RLUSD relies on advantages such as the NYDFS license, BNY Mellon custody, and cross-chain interoperability (supporting XRP Ledger and Ethereum), with its market capitalization soaring 30% within the month to surpass $500 million, demonstrating strong institutional adoption potential.
Bank of America Confirms Exploration of Stablecoin, RLUSD Becomes the Optimal Candidate
Bank of America has officially confirmed that it is evaluating opportunities in the stablecoin market. The bank hinted at the possibility of launching a stablecoin pegged to the dollar, supported by cash and short-term U.S. Treasury securities. On July 16, 2025, CEO Moynihan stated that a substantial amount of internal research has been completed, but further progress depends on clearer regulatory policies.
Although Moynihan has not ruled out the possibility of self-research, many industry experts believe that RLUSD has more advantages. Cryptocurrency investor Paul Barron pointed out that RLUSD already has a mature infrastructure, making it an ideal choice for Bank of America.
The three major regulatory compliance advantages of RLUSD lay the foundation for cooperation
In addition, RLUSD supports XRP ledger and Ethereum dual-chain interoperability, achieving multi-chain ecosystem coverage. Its market capitalization has increased by over 30% since last month, recently successfully breaking the $500 million mark.
The deep-rooted cooperation between Ripple and Bank of America
RLUSD is seen as a key factor preferred by Bank of America, stemming from the deep technical ties established between the two parties since 2019. Historical patents and internal documents show that Bank of America has repeatedly referenced Ripple's Distributed Ledger Technology (DLT) for interbank settlement solutions.
According to a previous report by CoinGape, Bank of America, which holds over 80 blockchain-related patents, has even used XRP to process transactions within its internal systems. These initiatives aim to enhance liquidity management efficiency and accelerate cross-border payments, aligning closely with the technical characteristics of RLUSD.
Observers point out that if large American banks choose to jointly build stablecoin infrastructure, RLUSD will naturally become the choice due to its existing Compliance ecosystem and mature technology integration.
Giants Compete in the Stablecoin Market, Industry Landscape Changes
Other financial giants, apart from Bank of America, are also accelerating their布局:
Not long before Moynihan's remarks, the U.S. GENIUS Act was just signed into effect, establishing a national legal framework for stablecoins. Bank of America is adjusting its strategy accordingly, incorporating digital assets into its core business considerations. Against this backdrop, RLUSD, which possesses explosive growth potential and a zero compliance flaw record, is particularly noteworthy — this token has been integrated into the global payment networks covering institutions such as American Express and Banco Santander.
Conclusion: Compliance Bridges May Trigger a New Wave of Real World Assets (RWA)
The potential collaboration between RLUSD and Bank of America marks a substantial recognition of compliance stablecoins by traditional financial giants. Leveraging Ripple's mature cross-border payment ecosystem and Bank of America's global clearing network, RLUSD is expected to become a core conduit connecting traditional finance and the crypto world. With the implementation of the GENIUS Act, the competition among institutional-level stablecoins will accelerate towards regulatory adaptability and ecosystem integration, and RLUSD's first-mover advantage may reshape the industry landscape. Investors should closely monitor the two key indicators of Bank of America's official decisions and RLUSD's institutional adoption rate.