People are hyping $XRP just for clicks—and many will fall for it. But the image going viral isn’t what it seems. Before you FOMO, here’s the truth that actually matters.

The claim that “Bank of America has a patent for using $XRP as a bridge asset” is highly misleading. Yes, Ripple’s website does list Bank of America as a partner, and the bank serves on RippleNet’s Governance Committee—so the partnership is real. But the patent floating around doesn’t directly confirm that XRP is the bridge asset. It only references Ripple’s distributed ledger tech—not XRP itself. That’s a major distinction. Words like "Ripple" in patents often refer to RippleNet or its broader infrastructure—not necessarily #xrp the token.

The image shown in the viral post actually comes from a Standard Chartered illustration. It explains how Ripple's On-Demand Liquidity (ODL) works in cross-border settlement using XRP. It’s a real use case, but it's tied to Standard Chartered — not Bank of America. The way people are linking that diagram to BoA is completely inaccurate. So the excitement being spread on social media, mixing this with XRP hype and misleading statements, is more about creating noise than sharing truth.

Always verify before you amplify.