Bank of America Discloses XRP Exposure Through ETF Investment

Bank of America has quietly revealed indirect exposure to XRP through an ETF. A recent filing with the U.S. SEC shows the bank holds shares in an XRP linked ETF. The disclosure appeared in a filing dated February 3. While the amount is small, the update still caught attention. It shows how large banks are testing crypto exposure in regulated ways. Instead of holding tokens directly, they use ETFs. For many institutions, this feels safer and easier.

What the SEC Filing Shows

According to the filing, Bank of America holds around 13,000 shares of the Volatility Shares XRP ETF. The position is valued at roughly $224,640. This gives the bank indirect exposure to XRP price movements. It doesn’t mean Bank of America is trading XRP itself. Instead, the exposure comes through a regulated investment product.

🚨 JUST IN: Bank of America has shown its exposure in $XRP through investment in an $XRP exchange-traded fund (ETF). pic.twitter.com/D1mwb32O84

— RippleXity (@RippleXity) February 5, 2026

The filing was submitted to the U.S. Securities and Exchange Commission. Which requires large institutions to disclose certain holdings. These filings often reveal small positions that are not announced publicly. In this case, the position is minor compared to the bank’s total assets. Still, it confirms participation, even if limited.

Why Banks Prefer ETFs Over Direct Crypto

Big banks move slowly. They also avoid unnecessary risk. Directly holding crypto brings custody, compliance and accounting challenges. ETFs reduce those problems. They fit into existing systems. They trade like stocks and they follow clear rules. For XRP, this matters. Many institutions still hesitate due to past regulatory uncertainty. ETFs give them a way to gain exposure without touching wallets or private keys. 

As more XRP-related ETFs appear in the U.S. market, this path becomes more common. This approach also mirrors what banks already do with Bitcoin and Ethereum. First comes small exposure. Then comes monitoring. Larger moves may follow later or not at all. Either way, ETFs act as a testing ground.

XRP ETF Activity Adds Context

The disclosure comes during a period of active XRP ETF trading. The U.S. listed XRP ETFs reportedly saw net inflows of around $19 million. That suggests steady interest from investors, even while prices move sideways. Community reactions online were mixed. Some users saw the filing as a big signal. Others pointed out the position size is tiny for a bank of this scale. Both views are fair. The key point is not the dollar value. It is the direction. Banks are participating, even if carefully.

What This Means Going Forward

This doesn’t mean Bank of America is bullish on XRP. It also doesn’t mean mass adoption is here. But it shows comfort with XRP linked products in regulated markets. That alone is notable. For now, this looks like another small step. In crypto, many shifts start this way.