As major banks shift away from early blockchain trials and move toward production infrastructure, financial institutions are coming closer to running tokenized assets, stablecoins, and continuous settlement systems around the clock.
Crypto commentator X Finance Bull highlighted a Deloitte interview featuring Roy Ben-Hur, who detailed how large U.S. banks are progressing toward full-scale blockchain operations following years of pilot programs and testing.
According to X Finance Bull, this evolution creates an increasingly relevant landscape for XRP, XLM, and HBAR. He characterized these three assets as utility-driven cryptocurrencies that spent years building out infrastructure tailored for financial use cases. He linked their prospective applications to 24/7 year-round markets, tokenized deposits, stablecoins, repo markets, and collateral optimization.
Ben-Hur noted that financial institutions now face distinct risks if they are too slow to adopt these technologies amid changing market conditions. X Finance Bull reinforced this point, drawing a contrast between the current corporate backdrop and earlier phases when banks relied primarily on proof-of-concept tests.
They’re talking about the financial system $XRP, stellar:native and hedera-hashgraph:native have spent years preparing for.
Watch this Deloitte interview on FINTECH TV.
For years, holding utility coins required patience.
People would laugh because institutions were still… pic.twitter.com/G0qAwMhUaL— X Finance Bull (@Xfinancebull) October 3, 2026
XRP Connects to Tokenized Securities
Pointing to Brazil’s CSD BR, X Finance Bull offered an example of the XRP Ledger operating within a live financial environment. He noted the September 29 integration of over BRL 22 trillion in registered assets, explaining that CSD BR connected the public XRP Ledger to BTG Pactual investment-fund shares to serve as an additional audit and record layer.
He stressed that this integration enables established regulatory frameworks to remain operational while the XRP Ledger provides supplementary capabilities. He pointed to settlement, asset mobility, transparency, and programmability as specific areas where blockchain tech can assist traditional finance.
Furthermore, X Finance Bull underscored the roles of RLUSD and USDC as native digital cash forms capable of running on the XRP Ledger alongside tokenized securities. He suggested this alignment can forge liquidity channels linking different categories of digital value.
He placed special emphasis on institutional liquidity demands, asserting that professional market makers could maintain XRP reserves if traditional markets increasingly leverage the asset to bridge transactions between tokenized securities and digital money.
Stellar Expands Its Institutional Connections
Shifting focus to Stellar, X Finance Bull discussed its integration with American securities infrastructure. He cited plans by the Depository Trust Company to link its Tokenization Service to the public Stellar network, with tokenized DTC assets projected to land on the platform during the first half of 2027.
He also pointed to Franklin Templeton’s BENJI fund alongside broader activity across the Stellar network. Citing tokenized real-world assets, institutional players, and stablecoin transfer volumes, X Finance Bull argued that substantial financial activity is already flowing through the ecosystem.
He remarked that XLM supports the Stellar network through payment routing, transaction fees, and reserve criteria. Consequently, he noted that rising institutional utilization of Stellar could translate into higher economic volume running across the network.
Hedera Targets Institutional Collateral
Regarding HBAR, X Finance Bull centered his analysis on collateral optimization. He pointed to collaborative efforts involving Aberdeen Investments, Lloyds Banking Group, and Archax, which utilized tokenized UK government gilts and tokenized money-market-fund units as collateral for foreign exchange transactions.
X Finance Bull argued that such collateral applications grant tokenized assets an active function in everyday financial markets. He additionally referenced Archax’s tokenized-asset environment, KAIO’s institutional fund architecture, and Hedera’s involvement in Project Acacia.
He maintained that these milestones demonstrate how traditional institutions can successfully apply blockchain infrastructure toward stablecoin settlements, tokenized securities, programmable payments, and collateral management.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Utility Remains the Central Theme
X Finance Bull associated each network with a distinct component of the evolving digital financial architecture, mapping XRP to cross-asset liquidity, XLM to regulated asset distribution and payments, and HBAR to institutional tokenization and collateral tools.
He observed that broader institutional onboarding could fuel sustained demand for utility tokens without needing heavy retail involvement. Instead, his focus centered on financial institutions requiring interoperable networks, digital cash, settlement tools, liquidity, and collateral mechanisms.
X Finance Bull wrapped up by noting that Deloitte’s insights underscore the growing necessity of tracking actual on-chain network usage.