Wealth Strategist: Let’s Clear Something Up about mBridge Using XRP

A post making the rounds on X this week took direct aim at a persistent claim in the XRP community. Arthur (@XrpArthur), a wealth strategist and crypto pundit, stated that mBridge has nothing to do with XRP or the XRP Ledger.

The Financial Times report he cited backs this up. It shows that mBridge runs on a custom distributed ledger technology called the mBridge Ledger, built by the participating central banks themselves.

What mBridge Is

The platform is led by Beijing and backed by the central banks of mainland China, Hong Kong, Thailand, the UAE, and Saudi Arabia. A Hong Kong-based entity will oversee its operations. Fees are set at half those of conventional international payment systems. The platform has already processed roughly 470 billion yuan ($69 billion) in transactions to date.

mBridge is a state-led cross-border payment infrastructure. It transacts directly between central banks using their own digital currencies, cutting settlement times to seconds. The BIS handed the project to its partners in 2024, after which Beijing took the lead on development.

The False XRP Connection

Arthur’s post cuts against a narrative that gained traction in parts of the XRP community that mBridge and Ripple’s technology were somehow aligned. They are not, and mBridge is sovereign infrastructure. The two were built independently, serve different principals, and operate on separate ledgers. Arthur’s message was simple: “hopium isn’t a strategy.”

XRP Army Responds

Pumpius (@pumpius), a well-known figure in the XRP army, thanked Arthur for clarifying the record. However, one commenter questioned the depth of Arthur’s research on the topic. Another took it further, providing a detailed rebuttal to Arthur’s stance.

He acknowledged the FT article’s technical accuracy while arguing the post overstates its conclusion. He noted that mBridge has graduated from the BIS and now serves as core infrastructure for BRICS+ cross-border settlement, with significant transaction volumes already recorded.

He raised governance concerns, citing analyses that note heavy Chinese technical dominance over the mBridge Ledger. India, he noted, is actively pushing back in 2026 with proposals for multilateral oversight so no single country controls the validators.

Where XRP Fits In

His core point was that XRP’s relevance is not linked to mBridge. It is that XRP could serve as a neutral bridge asset between CBDCs in a fragmented, multi-polar system. The asset is fast, ISO 20022-aligned, and not controlled by any single government.

He concluded that the real open question is which bridge asset wins the liquidity and settlement layer built on top of, or alongside, platforms like mBridge.

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