- JP Morgan’s silence fuels speculation about Ripple’s hidden rails.
- DNA Protocol anchors biometric data on XRPL across African labs.
- WEF, JPM, Ripple, and DNA align toward global identity framework.
According to commentary shared by analyst Pumpius on X, JP Morgan’s recent focus on digital identity in Web3 may already be linked to Ripple’s XRP Ledger. His breakdown suggests that while the bank publicly speaks of empowering ownership, verification, and seamless interaction, XRPL could quietly provide the actual rails.
While JP Morgan issued a pitch on digital identity that did not name any blockchain networks, Pumpius claimed that it was done intentionally. He stated that the biggest US bank would not rely on Ethereum because of its gas fees, downtimes, and congestion.
Instead, XRP Ledger already offers a low-cost, scalable, and compliant global settlement infrastructure, so it is a logical fit for such plans.
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🚨 JP MORGAN ALREADY WORKING ON XRP LEDGER?
The dots are screaming. What JPM describes in their Kinexys project… is already building on the XRPL.
What if they’re the same system… hidden in plain sight? 🧵 pic.twitter.com/xJto9AcUYw
— Pumpius (@pumpius) August 19, 2025
Africa as the Testbed for Biometric Anchoring
In his analysis, Pumpius pointed to Africa as the first testing ground for this rollout. DNA Protocol, which runs on the XRP Ledger, has been bringing on board laboratories on the continent. He noted that this is not an accidental process but a planned one to develop biometric identity systems in high-growth and less-regulated areas.
By building in such markets, the framework can later expand to stricter jurisdictions with proven use cases already in place.
The purpose of the DNA Protocol is to tie biometric and genomic data to XRPL to make it immutable and auditable. Pumpius opined that such a strategy directly aligns with the requirements of JP Morgan and the World Economic Forum to have a viable biometric identity system in place before a wider global deployment.
A Coordinated Global Framework
Pumpius laid out what he called the script. The World Economic Forum manages the narrative, JP Morgan provides liquidity, and the banking layer, Ripple delivers the settlement rails and corridors, and DNA Protocol supplies the biometric anchoring.
Together, these components form what he described as a total system, with DNA Protocol acting as the only openly visible builder.
He also connected the system with the idea of verified digital IDs as a necessity in global commerce. Citing biblical prophecy, Pumpius opined that a digital identity may become the mark needed to buy and sell.
JP Morgan can implement this vision using the Kinexys brand, whereas DNA Protocol serves as an anchor on XRPL.
Hidden Structures Behind Public Silence
The suggestion goes further, as Pumpius asked whether the DNA Protocol actually serves as JP Morgan’s stealth proxy. He said that elites hardly construct an open society under their name. Instead, they let smaller entities establish the scaffolding before stepping in to integrate once the rails are ready.
In such a case, Ripple’s ledger subtly becomes the backbone, whereas JP Morgan connects at the opportune moment.
The XRP community is actively discussing the implications of these claims. While there has been no official confirmation from JP Morgan, Ripple, or DNA Protocol, the alignment outlined by Pumpius has added to speculation about XRP Ledger’s role in future digital identity systems.
For now, Africa remains the key testing ground, but observers believe the integration could eventually scale to global adoption.
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