Cross River Bank, a U.S.-based financial institution that integrated Ripple’s payment protocol in 2014, has appeared in beta materials linked to X Money’s Visa Debit and Flex card structure.
The move has drawn attention from the $XRP community because of the bank’s earlier connection to Ripple, although no public material has confirmed support for $XRP, Ripple, RLUSD, or blockchain-based settlement within X Money.
Based on the information, the current X Money beta structure points to regulated banking and card infrastructure rather than confirmed crypto payment functionality.
Cross River Bank Listed in X Money Beta Materials
Beta images connected to X Money show Cross River Bank as the issuer behind Visa Debit and Flex card products. The structure indicates that X is building part of its payments system through a licensed banking partner and traditional card network infrastructure.
Cross River’s role is important because fintech platforms often use regulated banking partners to issue cards, support deposits, and process payments in accordance with existing financial rules. In this case, the Visa Debit citation suggests that an early version of X Money may rely on standard debit card functionality.
The available beta details do not show any direct reference to blockchain settlement, token-backed payments, or digital asset transfer features. The confirmed details remain limited to the issuer relationship associated with the card product.
Ripple History Triggers $XRP Market Discussion
Cross River Bank previously worked with Ripple in 2014, when it integrated Ripple’s payment protocol to enable faster international payments between the United States and Europe. That earlier relationship made the bank one of Ripple’s early banking partners.
The appearance of Cross River Bank in the X Money beta has therefore revived discussion among $XRP traders and market watchers. The connection has become a focus because the same bank that once used Ripple-related payment infrastructure is now linked to a beta card product within X’s payment rollout. However, the historical Ripple relationship does not confirm any current Ripple integration within X Money.
Related:Mizuho: X Money Could Rival PayPal but Faces CLARITY Act Obstacles
