XRP Army Stunned As Ripple Wins Special Mention In Congress Hearing

Subjective Views (@subjectiveviews), a crypto sleuth on X, has shared a video from a House hearing that placed Ripple into a live discussion about the future of U.S. payments.

The clip showed lawmakers questioning Federal Reserve officials about whether the current payment infrastructure is moving fast enough to support modern financial technology.

In that exchange, Ripple was mentioned alongside major financial technology firms in a conversation about improving how money moves through the U.S. banking system. In the video, Rep. Sam Liccardo raised concerns about payment speed, cost, and access to Federal Reserve infrastructure.

He referenced industry proposals designed to reduce risk while allowing faster payment innovation. Ripple was one of the companies he named during that discussion, placing it directly into the policy conversation.

Ripple, Rlusd… no xrp mention

— You Suck (@megatroll101) March 26, 2026

The Focus on Faster Payments

Liccardo questioned Randall Guynn, Director at the Federal Reserve Division of Supervision and Regulation, about ACH system limitations, especially the risk of daylight overdrafts.

He explained that several financial technology companies had already submitted solutions. These included pre-funding transactions, setting transaction limits, adding collateral requirements, and implementing early warning systems.

During the hearing, Liccardo said the industry had offered “very promising alternatives” to address risk while still expanding access to payment. He specifically mentioned the issue of “requiring pre-funding of ACH transactions,” which he said came from both Intuit and Ripple. Guynn responded that the board is open to considering the submitted ideas.

Ripple’s Proposal and RLUSD

Subjective Views noted that earlier this year, Ripple submitted a recommendation that stablecoin issuers should be allowed to access Fed accounts using pre-funded ACH.

This structure would allow stablecoins such as RLUSD to connect directly to the U.S. domestic payment system. Payments could move through ACH using pre-funded balances to improve efficiency.

This model also reduces trapped capital because institutions would not need to hold excess funds across multiple intermediaries. Pre-funded access means funds sit ready for settlement, which increases payment speed while maintaining Federal Reserve risk controls.

How XRP Fits Into This System

This is where Subjective Views’ main point comes into focus. If RLUSD connects to the U.S. payment system through pre-funded ACH, XRP can operate as a liquidity bridge.

RLUSD could be used for domestic settlement and payments, while XRP provides liquidity for cross-border transactions and currency conversion, with both operating on the XRP Ledger, where transactions settle.

Ripple already positions XRP as a bridge asset on the ledger for cross-border payments. A system that connects RLUSD to Fed payment rails creates a pathway in which domestic payments settle in stablecoin form while international transfers use XRP as liquidity between currencies.