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XRP is seeing increased institutional validation and practical integration, shifting attention from speculative interest toward tangible banking adoption. The latest milestone comes from SoFi Technologies, an OCC-regulated U.S. bank with a national charter.
On April 21, SoFi announced that XRP deposits are now available on its platform. The update places XRP alongside Bitcoin, Ethereum, and Solana. SoFi supports trading for 27 cryptocurrencies and supports 12 assets for direct deposits.
This expands SoFi’s offering to include buying, selling, storing, and depositing XRP within a single platform used for everyday banking functions such as bill payments and account management.
“We’re excited to now support $XRP deposits—along with the most popular coins, like BTC, ETH, and SOL. Manage your portfolio in one app with the first national chartered bank where individuals can buy, sell, and hold crypto”
Ripple also acknowledged the development on X, saying: “More access to XRP with SoFi means more people can participate, and that’s exactly how utility grows.”
SoFi has taken a measured approach to adding digital assets. The company launched SoFi Crypto in November, enabling customers to trade Bitcoin, Ethereum, and Solana from FDIC-protected accounts. In February, SoFi became the first nationally chartered bank in the U.S. to offer Solana deposits. The XRP integration follows that same incremental expansion strategy.
Separately, the XRP Ledger is seeing heightened institutional engagement. At the Digital Assets Forum 2026, Odelia Torteman, a World Bank FinTech specialist, described the XRP Ledger as architecturally designed for multi-asset, transparent payment infrastructure.
Tokenization activity on the network has reportedly surged by 875%, with aggregate tokenized value nearing $2.5 billion. A major Japanese travel company is also reported to be transitioning prepaid payment infrastructure to the ledger, targeting a domestic market valued at ¥30 trillion.
Financial and payments firms including BlackRock, Franklin Templeton, and Mastercard have shown interest in using the XRP Ledger. Ripple’s leadership has also pointed to a $13 trillion payments market opportunity accessible through its Treasury infrastructure.
On the price side, XRP is holding above $1.40 and is trading near its 50-day exponential moving average, a level that has previously capped rallies. Trading volume remains subdued, which the article characterizes as a sign that markets may be waiting for clearer direction.
As of April 21, XRP deposit functionality is live on SoFi’s platform, available to its 13.7 million user base.
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