Are Banks Buying XRP? Fernando Molina Reviews the Data

Livestream hosted by Fernando Molina on the Territorio Blockchain channel.

Are banks buying XRP to push its price up? It is one of the most repeated rumors on social media and, in this video, Fernando Molina puts it to the test with data instead of headlines. A review of what Ripple presented at Swell 2026, what has happened since, and what financial institutions actually hold on their balance sheets.

What was presented at Swell 2026

The video devotes a segment to reviewing, day by day, the content of Swell 2026 and Ripple’s announcements: the trust bank approved by the OCC, BNY custody, Moody’s A2 rating for its RLUSD stablecoin and the presence of players such as Robinhood and Coinbase. These moves point to a closer connection between Ripple and traditional financial infrastructure, although, as Molina argues, it is worth separating institutional agreements from the idea that banks are accumulating the token.

What has happened since: hack, escrow and ETFs

Several events have followed the conference, which the video also covers: the Binance hack with 233 million XRP stolen, the November 1 escrow release, the progress of the ETFs and a correction on the XRP Ledger. These are pieces that tend to be mixed into the “institutional money” narrative, and the analysis treats them separately to understand the real weight of each one.

Five data points on the key question

The core of the piece is the question in the title: are banks buying XRP? Molina answers it based on five data points, highlights what, in his view, does not fit the dominant narrative and shares his personal opinion before spelling out what all this means for the everyday user. The author himself points out that this is informational content and not investment advice.

Frequently asked questions

Is there evidence that banks are buying XRP?

The video addresses precisely that question by contrasting the rumor with verifiable data on what institutions hold on their balance sheets.

What is Swell 2026?

It is Ripple’s annual event, where the company presented its progress in trust banking, custody and its RLUSD stablecoin.

This content is for informational purposes only and does not constitute financial advice.

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