Hey
@SMQKEDQG
I think you're going to like this man!!💥
Read below to learn how the:
IIF, GFMA, ISDA, SIFMA, BPI, FSF, FIA, GBBC, and GDF have all signed a formal request to loosen the rules on Group 2a cryptoassets (BTC, ETH, XRP, SOL, DOGE).
Begin reading here. Same doc, pages referenced 💪.
💥💥💥💥💥💥💥💥💥💥
XRP: Group 2a today… Tier 1 tomorrow?
On 19 August 2025, the Basel Committee (BIS) published updated standards on cryptoasset exposures. Thanks to
@SMQKEDQG for sharing the docs.
👉 According to Basel, XRP currently qualifies as a Group 2a cryptoasset — along with BTC, ETH, SOL, and DOGE. That means it’s liquid, traded on regulated exchanges, and has derivatives/ETFs available.
But here’s the interesting part:
Basel caps banks’ crypto exposure at 1–2% of their Tier 1 capital (pp. 6–7).
In other words, banks measure their XRP risk directly against the safest reserves in banking.
While this doesn’t make XRP a Tier 1 asset today, it creates a regulatory bridge.
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Why some believe XRP could evolve into a Tier 1 liquidity asset
Based on knowledge and speculative yet logical reasoning (not financial advice, DYOR), Jake Claver (
@beyond_broke) has argued XRP could become a Tier 1 bank asset in due time.
The logic:
✔️ ISO 20022 compliant → aligned with the new global payment standard.
✔️ Settlement utility → designed for cross-border payments and liquidity, not speculation.
✔️ Collateral potential → could be recognised in future Basel revisions as eligible collateral (p. 13).
✔️ Liquidity maturity → with derivatives, ETFs, and regulated exchanges, XRP already meets criteria few other assets do.
✔️ Regulatory alignment → BIS and global associations are already reviewing these standards.
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The push from global institutions
In their 19 August 2025 letter, the world’s top financial associations urged the Basel Committee to recalibrate how Group 2a assets (BTC, ETH, XRP, SOL, DOGE) are treated (pp. 12–13).
The signatories included:
Global Financial Markets Association (GFMA) (with AFME, ASIFMA, SIFMA)
Institute of International Finance (IIF)
International Swaps and Derivatives Association (ISDA)
Futures Industry Association (FIA)
Financial Services Forum (FSF)
Bank Policy Institute (BPI)
Global Blockchain Business Council (GBBC)
Global Digital Finance (GDF)
They asked Basel to:
Recognise Group 2a assets as eligible collateral (p. 13).
Reconsider treatment of Group 2 cryptoassets, since they trade actively on regulated exchanges (pp. 12–13).
Ease the strict 1–2% cap of Tier 1 capital exposure (pp. 6–7).
Recalibrate risk weights for Group 2a crypto — from the punitive 100% toward a fairer ~54% (pp. 11–12).
Allow banks to apply internal risk models (as they do for equities and FX) (pp. 9–10).
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Are the banks already lining this up?
Basel explicitly ties XRP exposure to Tier 1 capital limits (pp. 6–7).
Now, the IIF, GFMA, ISDA, SIFMA, BPI, FSF, FIA, GBBC, and GDF have all signed a formal request to loosen the rules (pp. 9–13).
Basel itself has said it will monitor and potentially recalibrate the framework as adoption grows.
Put simply: the rules are already anchoring XRP to Tier 1 capital measures, and the biggest trade groups in global finance want those rules relaxed to make assets like XRP more usable. That doesn’t guarantee
#XRP will be upgraded — but it strongly suggests the groundwork is being laid.
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Bottom line
Today: XRP = Group 2a (higher-risk crypto bucket).
Tomorrow? With regulatory recalibration and adoption, it could be reclassified and even treated as a Tier 1 liquidity asset.
If that ever happened, banks could hold XRP alongside cash, Treasuries, and gold — potentially driving structural demand and more aggressive value pivots.
⚠️ This is not financial advice. It’s fact-based speculation grounded in Basel documentation and the 19 August 2025 trade-body letter. DYOR.
📌 Credit:
@SMQKEDQG for the Basel docs &
@beyond_broke for the Tier 1 perspective