Deutsche Bank Adopts Ripple Technology... After Gaining Institutional Foothold, Can XRP Challenge Bitcoin?

▲ XRP

Global financial giant Deutsche Bank is expected to accelerate XRP’s integration into the institutional financial system by adopting Ripple’s blockchain technology.

According to financial news outlet Insider Muna on Feb. 19 (local time), Deutsche Bank has begun expanding infrastructure leveraging Ripple’s technology to maximize the efficiency of global payment systems. Managing over $1.3 trillion in assets, Deutsche Bank is collaborating with Ripple-affiliated companies to modernize foreign exchange transactions, multi-currency accounts, digital asset custody, and settlement systems.

XRP has emerged as a core component of this partnership and has been identified as a key bridge asset capable of addressing high costs and slow speeds in international remittances. In a recent report, Deutsche Bank emphasized that XRP could play a pivotal role in the future global payments system, acknowledging the technological strengths of the XRP Ledger. This move suggests that traditional financial institutions are beginning to embrace cryptocurrencies as practical means of payment.

Through the adoption of blockchain technology, Deutsche Bank can bypass complex correspondent banking networks and establish a real-time settlement system. The ability to manage liquidity pools around the clock and secure instant funding is expected to elevate the quality of corporate financial services. Analysts suggest that, particularly in connection with a euro-based stablecoin strategy, XRP is highly likely to be utilized as a bridge currency facilitating cross-border fund transfers.

Ripple CEO Brad Garlinghouse predicted that institutional adoption of blockchain technology would drive explosive growth in the cryptocurrency market in 2026. Market experts believe the participation of major financial institutions like Deutsche Bank will supply liquidity to XRP and positively influence the establishment of global regulatory clarity. While XRP is currently showing relatively stable movement compared to Bitcoin (BTC), a full-scale influx of institutional capital could intensify upward price pressure.

Deutsche Bank’s decision goes beyond mere technology adoption and signals a paradigm shift in the global financial ecosystem. Ripple’s technology is increasingly being validated as a new standard capable of complementing or even replacing the SWIFT interbank messaging system. As the convergence of digital assets and traditional finance becomes more visible, XRP is expected to further solidify its position as a real-economy payment layer.

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