‘The Short Version For Why I Hold XRP Through Everything’; Analyst Reveals
TL;DR
XRP enthusiast XRP Bags holds onto XRP due to its connections with major financial institutions. He emphasizes Ripple's unique position in the evolving financial system, including its involvement with the Federal Reserve and the World Bank.
Key points
- XRP Bags holds XRP due to its institutional connections
- Ripple is involved with the Federal Reserve's payments task force
- Ripple is a member of the World Bank's Better Than Cash Alliance
- ISO 20022 adoption by the Federal Reserve enhances XRP's relevance
Mentioned in this story
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ISO 20022
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.
Q&A
Why does XRP Bags believe in holding XRP despite market fluctuations?
XRP Bags believes in holding XRP due to its documented connections with major financial institutions and its unique role in the evolving financial system.
What significant financial organizations has Ripple been associated with?
Ripple has been associated with the Federal Reserve's payments task force, the World Bank's Better Than Cash Alliance, and is a member of ISO 20022 focused on distributed ledger technology.
What is the importance of ISO 20022 for Ripple and XRP?
ISO 20022 is important for Ripple and XRP as it was officially adopted by the US Federal Reserve in 2025, requiring financial institutions to use this messaging format, enhancing XRP's relevance in the financial system.
