Following the recent court ruling that XRP is not a security, Ripple's Chief Legal Officer, Stuart Alderoty, expects US banks to adopt Ripple's cross-border payment solution. Alderoty expressed confidence that American banks would return to Ripple's On-Demand Liquidity (ODL) product and plans to initiate discussions with US-based financial institutions in the next quarter of the year.

The court decision is expected to provide comfort for financial institutions to engage in conversations about the challenges they face in cross-border value transfers, particularly regarding high fees. While most Ripple employees are from the United States, its primary business and revenue are from abroad, and the extent to which any US bank will leverage ODL remains to be seen.