BREAKING! THE BIS JUST CONCLUDED PROJECT AGORA PHASE 1 — AND RIPPLE'S PARTNERS ARE ALL OVER IT!

Añadido: 2026-05-29

[00:00:13]This dropped yesterday and the XRP community needs to see this right now.

[00:00:20]The Bank for International Settlement, the central bank of all central banks.

[00:00:25]They just officially concluded phase one of project Agora.

[00:00:31]And the findings confirm that tokenized central bankers reserves on blockchain rails can make cross-border payments faster, safer, and more reliable than anything the current system can deliver. But here's what no one's talking about yet. Because the banks Ripple has been partnered with for years, Standard Chartered, BNY Mellon, BBVA, SMBC, MUFG, Mizuho, are all inside project Agora. All of them.

[00:01:07]Running on Ripple's tech. Integrated into a BIS project that just moved into real money testing.

[00:01:15]If you hold XRP and you don't know about project Agora, sit down. Get comfortable. Get yourself a nice cold drink. Cuz what I'm about to show you, it connects the dots that most people haven't even noticed yet. And folks, as always, do me a solid.

[00:01:35]Hit that like button and subscribe. It really helps out this channel more than you think. So let's get over to it. Let's set the stage because context is everything unless you wouldn't understand anything.

[00:01:47]The Bank for International Settlement, all right?

[00:01:51]This is not a bank that you walk into.

[00:01:56]It is the institutions that serve as the bank for central banks.

[00:02:02]The Federal Reserve, the Bank of England, the Bank of Japan, they all answer to frameworks and standards are set at the BIS level.

[00:02:11]So when the BIS runs a project, it's not a startup experiment.

[00:02:17]It is the global financial system stress testing its own future.

[00:02:23]And project Agora, named after the ancient Greek word for marketplace, is the BIS's flagship initiative to rebuild how cross-border payments work from the ground up using tokenization and blockchain technology.

[00:02:41]This is not crypto Twitter hype, folks.

[00:02:43]This is on the BIS's official website.

[00:02:48]That's right. Official website.

[00:02:53]Think about that for a second.

[00:02:55]It was launched in April of 2024, building through 2025, active testing started January of this year, and phase one just concluded yesterday, May 27th, 2026.

[00:03:12]This is live.

[00:03:13]This is happening, and Ripple's fingerprints, they're all over it. So let's get over to it. What did phase one actually prove?

[00:03:23]Well, according to findings that were released yesterday, Project Aurora confirmed that tokenizing central banks' reserves alongside your commercial bank deposits can enable what they call atomic settlement, meaning the payments send and confirm simultaneously in seconds around the clock, 24 hours a day, 7 days a week.

[00:03:50]No more waiting days for cross-border wires to clear.

[00:03:54]No more paying multiple intermediary banks just to move money from New York to Tokyo.

[00:04:01]No more opaque corresponding banking chains where nobody can see where your money is. Sorry, Swift.

[00:04:09]The BIS tested a two-layer architecture.

[00:04:15]Tokenized commercial bank deposits live on a shared unifying ledger where all participants coordinate.

[00:04:24]Tokenized central bank reserves, they sit independent on their jurisdictional ledgers. One per currency, each under the authority of its own central bank.

[00:04:36]The magic is in how these two layers talk to each other atomically.

[00:04:41]And here is the detail that should make every XRP holder pay close attention.

[00:04:46]The BIS said that the next phase moves from simulations to real value transactions.

[00:04:54]Real money.

[00:04:56]Real banks. Real blockchain rails. Now, ask yourself, why would the central bank of all central banks spend two years and hundreds of millions of dollars building a tokenized settlement framework if they weren't planning to deploy it?

[00:05:16]You don't run atomic settlement testing with the New York Fed, the Bank of England, and the Bank of Japan just to write a report and shelf it.

[00:05:27]This is the infrastructure of the future financial system being built in real time. And guess what? It runs on blockchain.

[00:05:38]Now, let me read you the official list of the banks.

[00:05:46]I should say, let's start with the central banks that are in the project and then we'll talk about the banks, the commercial banks, okay? Now, this information comes straight from the BIS's website.

[00:06:00]Federal Reserve Bank of New York, Bank of England, Bank of Japan, Swiss National Bank, Banque de France, which is representing the entire Eurozone, Bank of Korea, Bank of Mexico, and as of this week, the Bank of Canada.

[00:06:29]Eight central banks, the most powerful monetary authorities on planet Earth, and on the private sector side, over 40 major commercial banks and financial institutions convened by the institution of the International Finance.

[00:06:48]The list includes, and you can see it up on your screen, I'll leave a go to tweet so you can see even more of them.

[00:06:53]Standard Chartered, BNY, BBVA, Sumitomo Mitsui Banking Corp, MUFG, Mizuho Bank. Also, let's not forget about JP Morgan Chase, Deutsche Bank, HSBC, UBS, Mastercard, Visa, Swift, NatWest, Lloyds, and TD Bank.

[00:07:13]This is not a niche experiment, folks.

[00:07:17]This is the entire global financial establishment in one project testing blockchain-based settlement together.

[00:07:24]Now, here is where it gets extremely interesting for XRP holders.

[00:07:34]Smoke posted this yesterday, and he pointed out here, as you can see, that yes, Ripple is already partnered with multiple institutions inside Project Agora. Standard Chartered, partner of Ripple since 2016, uses RippleNet to settle payments across Asia and the Middle East, part of Ripple's global payment steering committee.

[00:07:58]BNY Mellon, appointed in July of 2025 as your primary custodian for Ripple's stablecoin.

[00:08:06]BBVA, who uses Ripple's custody for retail digital asset service under EU's MiCA framework as of September of last year.

[00:08:16]Sumitomo Mitsui, which you probably heard the name, SMBC, right? A member of SBI Ripple Asia, one of Japan's three mega banks running on Ripple's infrastructure. MUFG, Japan's largest bank, a founding member of Ripple's global payment steering group.

[00:08:35]Mizuho, already announced plans to integrate XRP services, and they are confirmed collaborating with Ripple in Japan's institutional fintech ecosystem.

[00:08:47]So, let me ask you something very directly here.

[00:08:52]Do you think it's a coincidence that the same banks running Ripple's tech are also the banks that showed up inside the BIS's flagship global payments project?

[00:09:04]These institutions, they'll make infrastructure decisions by accident.

[00:09:09]When a bank like MUFG, which manages trillions in assets, shows up in both a Ripple consortium and a BIS tokenization project, that is deliberate. That is what we call coordinated positioning.

[00:09:25]These banks are bridging both worlds simultaneously, and Ripple, that's the technology connecting them.

[00:09:35]Which moves us over to this.

[00:09:41]You see all those banks that are listed, folks. All the ones we just named.

[00:09:46]Which gets us here to the Digital Pound Foundation's website.

[00:09:51]Here's a piece of backstory that makes Project Agora even more significant.

[00:09:58]In October of 2024, the BIS, they quietly exited Embridge.

[00:10:06]Embridge was a rival cross-border payment project that included China, Hong Kong, Thailand, the UAE, and Saudi Arabia.

[00:10:18]You can see in this first paragraph it announces their exit.

[00:10:23]When the Russian president, Putin, loaded Embridge as a potential BRICS bridge, a way to conduct international payments outside of the Western financial world, the BIS's general manager, I'm sure you know him, Agustín Carstens, he had to publicly state that Embridge is not the BRICS's bridge.

[00:10:45]But the damage was already done.

[00:10:47]The BIS realized that Embridge, with BRICS nations involved, was drifting towards a payment system that could bypass Western sanctions.

[00:10:56]What did they do? They walked away.

[00:10:59]And when they walked away from Embridge, they doubled down on Project Agora, a Western-anchored alternative with the New York Fed, the Bank of England, with the Bank of Japan, and with SWIFT involved.

[00:11:12]Now you got analysts who were at the Atlantic Council who noted this directly.

[00:11:22]What did I just do? I went too far. Let me go.

[00:11:27]They said when Western central banks needed their own answers to China's Embridge, they turned to project Agora.

[00:11:35]Right here.

[00:11:37]This is not just a fintech experiment.

[00:11:40]This is a geopolitical financial infrastructure. The West is building its blockchain-based payment system, and they're building it right now. With phase one complete and real money testing coming next. And the institutions that Ripple has been a decade building relationships with, they're sitting right at the center of it.

[00:12:00]So, here's the full picture where XRP fits in.

[00:12:05]You're about to see a decade of deliberate positioning coming into focus all at once.

[00:12:12]I'll run you through this timeline real quick.

[00:12:15]2016, Standard Chartered and MUFG join Ripple's global payment steering steering group.

[00:12:24]These aren't just customers. They're the co-architects of Ripple's vision for the payment system.

[00:12:30]2018 to 2020, Japan's three mega banks, SMBC, MUFG, and Mizuho, all join the SBI Ripple Asian Banking Consortium.

[00:12:42]All three are now inside project Agora.

[00:12:46]April 2024 is when the BIS launched this project, and he invited the world's most important commercial banks, Standard Chartered, BNY Mellon, BBVA, SMBC, MUFG, Mizuho, all to participate.

[00:13:04]Every single one of them already have has a live relationship with Ripple.

[00:13:11]Let's not forget in April of last year, Ripple acquired Hitendra Roa, now called Ripple Prime, for 1.25 billion, and they're inside the DTCC's FICC and NSCC.

[00:13:22]Did the video on that this morning, go give it a watch.

[00:13:24]May of last year, the DTCC filed two patents naming both XRP and the XRP ledger as core to the tokenization architecture.

[00:13:36]July of last year, BNY Mellon is appointed the primary custodian for Ripple stablecoin.

[00:13:42]September of last year, BBVA goes live with Ripple custody under Mika regulations.

[00:13:50]January of this year, Project Agora moved from prototype into active testing with real transactions.

[00:13:58]March this year, Ripple Prime was officially listed in the DTCC's NSCC's directory as a clearing participant.

[00:14:08]May of this year, Ripple joined the DTCC's tokenization working group.

[00:14:17]And then May 27th, just yesterday, Project Agora phase one officially concludes moving to real value testing with eight central banks and 40 plus institutions, including six of Ripple's major bank partners confirming that blockchain-based settlement is ready to move to the real world. This is not a coincidence, everyone.

[00:14:45]Ripple has been rehearsing this exact moment for the past a decade. So, where do we go from here? Great question.

[00:14:55]Because the BIS has confirmed that Project Agora's participants will now move into real value testing.

[00:15:04]Actual money moving across blockchain rails between actual central bank jurisdictions.

[00:15:11]The Bank of Canada just joined last week.

[00:15:16]Signaling the project is pri- prioritizing major liquidity currency pairs. USD, GBP, JPY, EUR, and CAD.

[00:15:27]The reserve currencies that drive global trade, you noticed that?

[00:15:34]The DTCC is targeting its own tokenization launch the second half of this year with Ripple Prime already embedded as a clearing participant.

[00:15:44]The BIS's own website, they stated the first phase was expected to conclude in the first half of this year. That deadline was met yesterday.

[00:15:54]Now, here's the question you should be sitting with right now.

[00:15:58]When the world's most powerful central bank finishes testing blockchain-based atomic settlement, when real money actually moves across the rails, which technology infrastructure do you think is going to be handling the liquidity?

[00:16:18]The banks doing the testing already use Ripple.

[00:16:22]The patents already name XRP.

[00:16:25]The NSCC directory already list Ripple Prime.

[00:16:32]And the tokenization working group already includes Ripple. You don't build all of that infrastructure, pass all of those milestones, and then pick a different asset when it's time to go live.

[00:16:48]The Bank for International Settlements just proved that tokenization blockchain settlement works.

[00:16:53]Phase one is done. Real money testing is next.

[00:16:57]Ripple's bank partners are inside the project. The DTCC has XRP in their patents.

[00:17:03]Ripple Prime is inside the DTCC's own clearing infrastructure.

[00:17:08]Every single piece of this puzzle has been built over a decade. And right now, in 2026, it is all coming together at the same time.

[00:17:19]If you're holding XRP and you needed a reason to believe the thesis is real, this is it.

[00:17:27]Not speculation, not hopium, documentation, timelines, official filings, real institutions taking real steps.

[00:17:38]Drop a comment down below. Do you think Project Agora's real value testing phase will use XRP's infrastructure? Let me know what you think.

[00:17:46]And if this research hit different, hit that like button and subscribe to the channel.

[00:17:53]I'll bring you this level of deep dive every single day.

[00:17:59]The institutions are moving, folks. The infrastructure is in place.

[00:18:03]Are you positioned?

[00:18:06]I'll see all y'all on the next one.