Software engineer and AI founder Vincent Van Code (@vincent_vancode) is arguing that institutional barriers to holding and using XRP have largely shifted from “market structure” to “plumbing,” claiming Ripple has spent 2025–2026 assembling an institutional stack for custody, treasury, and prime brokerage that makes large-scale participation operationally viable. In a post on X on Wednesday, the engineer framed self-custody as a non-starter for traditional allocators managing retirement pools, pensions, and bank balance sheets. Ripple Assembles The XRP ‘Wall Street Kit’ “Institutions juggling billions in 401(k)s, pensions, hedge funds, banks & governments? Self-custody was always insane—audit hell, compliance nightmares, risk officers saying ‘no way,’” he wrote. “That changed in 2025–2026
source: https://www.newsbtc.com/xrp-news/ripple-xrp-wall-street-kit/