As global demand for faster, cheaper, and more transparent financial infrastructure grows, Ripple is intensifying its global expansion strategy toward positioning XRP as a core settlement asset in international finance. With leadership visits and strategic engagements spanning major financial centers, the company is reinforcing its presence across multiple continents to accelerate real-world adoption of blockchain-based payment solutions. How XRP Is Being Positioned For International Payments Ripple is actively working to make XRP a global financial asset through an aggressive international expansion strategy. An analyst known as XFinanceBull on X has revealed that the company’s leadership, including CEO Brad Garlinghouse and President Monica Long, has recently visited four major offices across three continents in just five days. Related Reading: XRP Back In The Spotlight As Mastercard Explores Ripple Technology These include Dublin, London, Singapore, and Sydney as part of a broader push to strengthen the company’s global footprint. The tour reflects Ripple’s focus on building comprehensive financial platforms across payment, custody, liquidity, and treasury. XFinanceBull highlighted that a key part of this strategy involves embedding artificial intelligence (AI) into real-time cash forecasting and CFO-grade liquidity tools. The strategy also signals a shift away from the US coastal mindset. By engaging directly with international markets and financial hubs, Garlinghouse has reportedly emphasized that Ripple aims to drive real adoption of its technology and expand the role of XRP in global payment networks. In XFinanceBull’s view, Ripple is not waiting for the next crypto bull run to validate its vision. Instead, the company is focused on building the infrastructure for a global financial network, while much of the market remains focused on price movements. If the strategy succeeds, the XRP chart will eventually reflect the thesis. Could Ripple Enter The Ranks Of The World’s Top 10 Banks? Ripple has reportedly reached a major milestone by securing a banking license, a development that could significantly reshape its position in global finance. A crypto commentator known as 25hoursawake on X noted that the move could push Ripple’s valuation toward $120 billion, supported by its large holdings of XRP. Related Reading: Pundit Shares What The XRP Float Is Likely To Be For Global Settlement With roughly 40 billion XRP on its balance sheet, valued at around $3 per token, Ripple would instantly be placed among the world’s largest financial institutions. However, if the XRP price were to climb above $6, Ripple’s balance sheet value tied to its XRP reserves could exceed $240 billion, potentially placing the company within the top 10 banks globally by balance sheet strength. Such a shift would mark an evolution for Ripple as it transitions from a cross-border payments company into a broader financial powerhouse built around blockchain infrastructure. According to some projections, an estimated $650 trillion in global assets could eventually move across the XRP Ledger network, powered by RealFi and its REAL Token. Meanwhile, some speculative estimates cited by the commentator suggest that with a projected $100 billion market capitalization, the Real token could rise from $0.043 toward $998.90 as global adoption accelerates. Featured image from Freepik, chart from Tradingview.com
With a strong regulatory environment, proactive institutional participation, and a growing appetite for blockchain-powered financial solutions, Japan is positioning itself at the forefront of next-generation finance, and XRPL is increasingly becoming central to that vision. Japan is placing a huge bet on the XRP Ledger identity and leading protocol. Crypto analyst Stellar Rippler revealed on X that a senior banker from the Bank of Japan (BoJ), Kazuo Ueda, reportedly stated that SBI holdings has invested in XRP, XRP Ledger-native identity protocols, compliance, and lending projects. Meanwhile, that backdrop became even more significant when SBI Holdings CEO Yoshitaka Kitao said the firm holds hidden assets worth more than its officially disclosed 9% stake, which is valued at over $10 billion. Why Japan Is Looking Beyond Payments To XRPL Infrastructure Interestingly, the strategic direction becomes clearer when viewed through the lens of identity. Ripple’s president, Monica Long, has described decentralized identity on XRPL as a way to turn personal information into a secure, portable digital token that users can carry globally and selectively share, replacing reliance on centralized platforms. Related Reading: XRP Ledger DEX Metrics Flash Strong Growth As Activity Touches New Key Levels This vision is already taking shape at the infrastructure level. DNAOnChain’s XDNA applies this model with zero-knowledge proofs to transform identity and compliance data into verifiable zk-credentials. Also, these allow institutions to confirm eligibility and regulatory status without exposing sensitive information. However, the SBI’s hidden asset has extended beyond XRP, and it’s pointing toward the XRPL’s identity and zero-knowledge credential layer, where XDNA fits in as the infrastructure institutions needed. XRP is actively used as a bridge currency for liquidity on the XRP Ledger, alongside stablecoins, which are complementary. An analyst known as Vet on X has noted that recent activity on the XRPL DEX shows that RLUSD is being exchanged for EUROP, a euro-denominated stablecoin, with XRP acting as the bridge asset. By serving as an intermediary layer, XRP increases the liquidity of issued assets across the network. Furthermore, this design results in a proven, robust financial infrastructure that maximizes capital efficiency for everyday users and institutions. At the same time, market makers can make markets between the respective XRP pairs; they can hold the token because it is counterparty-free, which makes it the most efficient way to make markets. The Role Of The XRP In A Tokenized FX Future According to RippleBullWinkle, founder of Lux Lions NFT, the global foreign exchange market is moving roughly $9.6 trillion in daily volume. Related Reading: XRP Price Falls Below $1.6: You Won’t Believe What Institutions Are Doing Amid The Crash In the meantime, industry insiders are projecting an on-chain FX system for local currency stablecoins from countries around the world, in which they can settle directly on-chain against the dollar stablecoins. This is where XRP’s original design becomes relevant, because XRP was literally built to function as a bridge asset between currencies. Featured image from Adobe Stock, chart from Tradingview.com
Ripple closed a $500 million funding round at a $40 billion valuation last November, with Fortress and Citadel among the key participants.
Ripple president Monica Long added that XRP will likely receive its spot ETF approval “very soon.”