Public certificate transparency records have drawn attention to technical setups connecting Ripple systems with multiple banks.
The logs, visible on sites such as crt.sh, list domains under bank names that include “ripple” or related identifiers, along with certificates issued or renewed in recent years.
Bank of America Production Domain Renewed
One record points to a Bank of America address containing the word “prod,” indicating a production environment.
The certificate is issued to Ripple Labs Inc. It was first issued in late October 2023, renewed in 2024, and renewed again on October 27, 2025. The domain continues to resolve.
Bank of America has been listed as a RippleNet member for years, though membership in the messaging network does not by itself confirm use of XRP for settlements.
Additional Banks Show Renewed Certificates
Four other institutions appear in the same public logs:
- QNB: rippleqa.qnb.com certificates date back to August 2021, with the most recent issued August 4, 2026.
- Banorte: certificates under Grupo Financiero Banorte domains, most recently issued in September 2026.
- Scotiabank: certificates first appearing in October 2024, with the latest issued September 28, 2026.
- CIMB: certificates dating to January 2020, with the most recent issued in July 2025.
These entries show that the domains have been maintained and certificates renewed, which is consistent with active technical infrastructure rather than abandoned test environments.
What Certificates Indicate & What They Don’t
Certificate transparency logs record the existence of TLS certificates for specific domains. A subdomain such as rippleqa.qnb.com or a production-labeled Bank of America address suggests that systems related to Ripple have been configured under the bank’s infrastructure. Renewals over multiple years further indicate that the setups have not been abandoned.
They do not, however, disclose transaction volumes, whether XRP is used as a bridge asset, or the scope of any live payment flows. RippleNet can operate as a messaging and connectivity layer separately from On-Demand Liquidity that uses XRP. No recent public statements from the banks have confirmed the scale or nature of any current activity tied to these certificates.
The Infrastructure Signals vs. Present Flows
The records provide a technical signal that several banks have maintained environments linked to Ripple systems.
For institutions already known to have explored or joined RippleNet in prior years, the continued presence of these certificates is unsurprising.
Determining whether the setups support testing, limited production use, or broader settlement activity requires disclosures beyond public certificate logs.
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