XRP and FedNow: The Viral Rumor That’s Shaking Up Crypto Twitter
Crypto Twitter is on fire again — this time with a bold claim: that the U.S. Federal Reserve is using XRP for all transactions on its new FedNow instant payment system.

The buzz originated from a post on X (formerly Twitter), where a user confidently asserted that Ripple’s XRP is being used through FedNow, Faster Payments, and Volante’s cloud systems. The post, which declared the claim “100% confirmed,” quickly gained traction.
But here’s the reality check:
Yes, Volante Technologies—a FedNow pilot program participant—has integrated Ripple’s blockchain tech into its solutions for cross-border payments. However, there’s zero official confirmation that the Federal Reserve is directly using XRP for all FedNow transactions.
Volante’s infrastructure is versatile, supporting SWIFT, Ripple, ISO 20022, and even CBDC integrations. While this adds credibility to blockchain’s growing role in mainstream finance, equating that with the token being the exclusive or dominant token in FedNow is speculative at best.
With FedNow set to embrace the ISO 20022 messaging standard on July 14, blockchain-based solutions are indeed gaining momentum. But until there’s formal proof, claims that it powers all FedNow payments remain exaggerated.
So, is the token secretly running the Fed’s payments?
Not yet. But it’s definitely getting a seat at the table.
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