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Bank of America recently filed a patent "Real-time net settlement by distributed ledger system," which explicitly cites a “refunded ripple settlement.” It is unclear if the lowercase "ripple" refers to Ripple, the real-time settlement system, but it is clear that Ripple's proposed settlement asset "XRP" is not part of Bank of America's plans.
The patent in question — the application of which was published on June 6 — describes a system using distributed ledger technology (DLT) as an interbank communication tool. The proposed system would enable real-time settlement with transactions being communicated through a shared, decentralized ledger to which both the banks would have access.
https://cointelegraph.com/news/bank-of-america-files-patent-for-settlement-system-citing-ripple
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