The XRP Ledger (XRPL) is ending the year with major technological developments after a year that saw it gain significant adoption and milestones. On Dec. 24, Denis Angell, a lead software engineer at XRPL Labs, announced the integration of “post-quantum” cryptography and native smart contracts into AlphaNet, the project’s public developer network. The ‘Q-Day' inevitability […]
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After years of compression, XRP is quietly approaching a moment where the market will see a true structural break. This breakout is about a high-timeframe setup where market structure is on the verge of shifting. It is also the potential resolution of a multi-year structure that has compressed prices, absorbed supply, and conditioned participants to underestimate what comes next. Why Volatility Has Collapsed Ahead Of Expansion At the least expected time, XRP will print a legendary candle that will set a structural foundation and never move down. A crypto investor known as 24HRSCRYPTO noted on X that this move that is coming won’t be powered by retail hype, but by real economic activity on the XRP Ledger. When the altcoin begins to function as a settlement asset, volatility will become a liability, rather than a feature. Related Reading: Banks Could Favor A Higher XRP Price, Finance Expert Says Additionally, the payment rails, liquidity provisioning, and institutional settlement system will require price stability. A bridge asset referred to as a vehicle currency cannot swing 30-40% and still clear trillions in value. As volume and utility increase, XRP begins to transition from a speculative instrument into market infrastructure. Liquidity depth would be key to absorb shocks, while the price becomes anchored by demand. This is why the first candle isn’t a top, but the market repricing XRP’s role from a tradeable asset into a financial primitive. With new initiatives, XRP’s adoption is set to increase. Analyst X Finance Bull has revealed that RLUSD is the first US trust-regulated stablecoin launched by Ripple, issued natively on the XRP Ledger and extending across Ethereum Virtual Machine (EVM) chains for broader institutional access. Any banks that would integrate with RLUSD will be automatically onboarded into the XRP rails. This isn’t just about stable payments, but about demand generation for the altcoin as the default bridge asset. From BlackRock funds flow to global repo markets, that’s where the real volume begins to flow. This flips the game, allowing RLUSD to provide the liquidity, while XRP captures the movement. Why XRPL Meets Institutional Due Diligence Standards For the first time, XRP Ledger has now processed over 4 billion transactions since its launch in 2012. Co-founder of Tedlabsio, a crypto trader and investor, Niels, has pointed out that the real-world usage across the network has sustained more than 13 years of uninterrupted operation. Related Reading: Here’s How Many Transactions XRP Must Process To Reach A $2,000 Price Tag The XRPL consistently handles around 1.5 million transactions per day, with regular peaks exceeding 5 million, and settles in 3 to 5 seconds. All of this happens at fractions of a cent per transaction. Over time, more than 13 million XRP have been burned in transaction fees, a metric that reflects continuous demand in network activity. This is why institutions pay attention to XRPL. Featured image from Pixabay, chart from Tradingview.com
XRP, currently the fifth largest cryptocurrency by market cap, has recently fallen below the crucial $2 mark amid a broader market correction that has dampened investor sentiment since October. However, market analyst Sam Daodu has identified five critical catalysts that could drive the altcoin to new all-time highs of $5 by 2026. Potential Bullish Catalysts For XRP In a detailed report, Daodu emphasized that for XRP to reach $5, multiple specific factors need to work in unison. Each of these catalysts aims to address various barriers that have kept XRP’s price stagnant. At the forefront of Daodu’s analysis is the potential for a BlackRock-backed XRP exchange-traded fund (ETF). Since mid-November 2025, spot XRP ETFs have attracted over $1 billion in cumulative inflows. Should BlackRock move forward with its ETF, estimates suggest that inflows could exceed $2 billion. Related Reading: XRP Price Forecasts For 2026 Unveiled By AI Simulation: Should Investors Remain Bullish? Daodu’s analysis points that such capital influx would not only reshape market demand but would also solidify XRP’s position as the sole cryptocurrency tied to a fully regulated token in the United States, significantly enhancing its case for reaching $5. Next on the list is the evolving significance of Japan within the XRP narrative. Ripple, in collaboration with SBI Holdings, is set to launch RLUSD—Ripple’s USD-backed stablecoin—in Japan by the first quarter of 2026, pending regulatory approval. The use of RLUSD on the XRP Ledger (XRPL) can create substantial demand for XRP as a bridge currency, supporting the case for it to reach $5, even if this impact unfolds gradually over time. From Tokenization To ETFs The third catalyst that Daodu identified is the tokenization of assets. Ripple’s expanded partnership with Archax aims to bring in “hundreds of millions of dollars” in tokenized equity, debt, and funds onto the XRP Ledger by mid-2026. Should the XRP Ledger capture even a modest 5-10% of the tokenized asset settlement market, the demand for XRP would increase significantly, further supporting its goal of reaching $5. In fourth place, macroeconomic policy plays a crucial role in shaping XRP’s upside potential. Anticipated rate cuts by the Federal Reserve (Fed) would likely decrease returns on cash and short-term bonds, traditionally driving capital toward riskier assets that offer growth and liquidity. Related Reading: New Crypto Tax Proposal: Bipartisan House Duo Pushes For Stablecoin Safe Harbor Lastly, recent on-chain data points to a noteworthy change in supply dynamics. Exchange-held XRP has decreased, with 1.35 billion XRP removed from exchanges in less than two months. Balances plummeted from approximately 3.95 billion tokens to about 2.6 billion, with more than a billion leaving in just a short span of three weeks. Such withdrawals are indicative of a behavioral shift among holders, as many are opting to move XRP into long-term storage solutions. Daodu posits that reaching the $5 mark will not stem from a singular headline or moment of exuberance. It will necessitate a convergence of multiple factors, including strong ETF inflows, institutional adoption, and favorable macroeconomic conditions. As of this writing, the altcoin was trading at $1.88, dropping by almost 50% from all-time high levels reached back in July of this year. Featured image from DALL-E, chart from TradingView.com
A growing part of the XRP community is paying closer attention to infrastructure changes taking shape on the XRP Ledger, especially as they relate to long-term utility and institutional adoption. That context explains why crypto market commentator Brad Kimes, widely known on X as Digital Perspectives, reiterated a long-standing message that continues to resonate with many XRP holders: “Never sell your XRP.” His comment was in anticipation of the upcoming XRPL Lending Protocol. Why You Shouldn’t Sell Your XRP The comment from Digital Perspectives was a response to a post from Ed Hennis, a software engineer at Ripple, who recently outlined the upcoming proposal for the XRPL Lending Protocol. The proposal introduces fixed-term, fixed-rate, underwritten credit directly at the protocol level of the XRP Ledger. This approach is interesting because it moves lending away from smart-contract layers into a standardized, protocol-native system governed by validator consensus. Related Reading: Here’s Why The XRP Price Keeps Crashing According to the explanation by Ed Hennis, the proposed loans on the XRPL Lending Protocol are going to be done with structured, clear terms, predictable interest, and explicit authorization, features that real-world institutions expect before committing capital. Therefore, Digital Perspectives’ “never sell” message is a reflection of a longer-term view where holders never sell their XRP and instead use them as collateral for loans. Instead of relying on generalized liquidity pools like most lending protocols, the design of the XRPL Lending Protocol places each loan inside a segregated Single Asset Vault. This structure isolates risk to a specific credit facility and avoids the cross-contamination that has plagued many DeFi lending platforms during periods of market stress. Therefore, the XRPL Lending Protocol reduces execution risk and creates a framework that resembles traditional credit markets more closely than existing crypto lending models. Real-World Applications Of The XRPL Lending Protocol Most decentralized lending systems today depend on heavy overcollateralization to offset volatility and the risk of anonymity. That approach might work for traders, but it is inefficient for real businesses that operate on predictable cash flows and underwritten credit lines. Enterprises are accustomed to borrowing without locking up more capital than the value of the loan itself, and that mismatch has kept many institutions on the sidelines. Related Reading: Ripple Reveals How It’s Hijacking A $16 Trillion Industry Using The XRP Ledger The XRPL’s approach introduces undercollateralized, institutionally underwritten lending alongside existing overcollateralized models. This expands the range of viable borrowers and aligns on-chain credit with how financing actually works in traditional markets. As noted by Hennis, real-world use cases of XRPL’s lending protocol include market makers borrowing XRP/RLUSD for inventory and arbitrage, Payment Service Providers (PSPs) borrowing RLUSD to pre-fund instant merchant payouts, and fintech lenders accessing short-duration working capital. The feature is slated to be available for voting at the end of January 2026. From there, the voting decision is up to validators on the XRP Ledger. Once the lending protocol goes live and XRP begins to play a direct role in institutional credit markets, selling XRP at that stage may be short-sighted. Featured image from Pngtree, chart from Tradingview.com
As the broader crypto markets remain fixated on volatility and short-term narratives, XRP is quietly transitioning into the accumulation phase. Institutional players are increasingly positioning in silence, favoring strategic accumulation over public signaling. This phase is rarely loud or obvious, and it’s defined by patience, regulatory awareness, and long-term infrastructure planning rather than short-term speculation. While the broader crypto market debates short-term price swings, a quieter story is unfolding behind the scenes. According to skipper_xrp’s post on X, institutions and banks are methodically positioning themselves, and the word on the street is that they’re betting big on XRP. Why Institutions Accumulate XRP In Silence Many analysts believe that the asset is entering a phase where price discovery could accelerate beyond the $100 mark, and this sudden price increase will come as a shock to investors. At the same time, the XRP Ledger is expanding beyond its traditional role in cross-border payment into decentralized media in the US. Related Reading: ‘Think Again’ Before Selling Your XRP; Expert Tells Investors Adding to the momentum, BXE is set to list on a major US exchange on January 21st, following its partnership with a leading node provider. The increased network activity means higher usage of the XRP Ledger with more XRP being burned. Despite BXE trading at $0.06 and a fixed supply of 500 million, many investors view it as undervalued. An investor and crypto trader known as Xaif Crypto has mentioned that from 2019 to 2021, MoneyGram actively integrated Ripple’s On-Demand Liquidity (ODL) service, by leveraging XRP as the bridge asset for real-time foreign exchange settlement. However, when the US SEC filed its lawsuit against Ripple in late 2020, regulatory uncertainty forced MoneyGram to suspend the partnership despite XRP proving its effectiveness as a liquidity bridge. Currently, with Ripple largely moved past its regulatory overhang and gaining clearer legal standing, the industry is revisiting questions that were left unresolved: Will banks and payment institutions return to an XRP-based liquidity solution? Nonetheless, if institutions prioritize speed, capital efficiency, and regulatory clarity, history suggests that XRP already demonstrated all of the benefits and can work at scale before it was paused. The only variable missing at the time was regulatory certainty. How Institutional-Grade Yield Comes To XRP Holders Crypto trader Xaif Crypto has also revealed upcoming features for the XRP Ledger. According to Xaif, the XRPL lending protocol, a protocol-native framework that underwrites credit built directly into the Ledger, enabling fixed-term and fixed-rate loans, is on the horizon. Related Reading: XRP Advances As A Recognized Digital Asset In Regulated Markets — Here’s How Each loan operates within a Single Asset Vault (SAV), which offers risk isolation per facility and supporting assets such as XRP and RLUSD. This design unlocks compliant, on-ledger lending for institutions and introduces a clear, structured pathway to institutional-grade yield for XRP holders. Featured image from Getty Images, chart from Tradingview.com
XRP Ledger operators are staring down a familiar kind of “deadline drama” on Thursday, after one community tracker warned that a large chunk of XRPL servers are about to get amendment blocked, basically pushed to the sidelines until they upgrade. “In about ~10 hours 418 (!!) out of 999 XRPL servers will go DOWN as they become amendment blocked!” wrote X user Krippenreiter, adding that amendment-blocked rippled servers can’t “determine the validity of a ledger,” “submit transactions,” “process transactions,” or “participate in the consensus process.” Will This Impact The XRP Ledger? That sounds catastrophic if you’ve never watched XRPL governance do its thing. But the important nuance is right there in the name: amendment blocking is a safety feature, not a network failure mode. When new protocol rules activate, old software can’t reliably interpret ledgers anymore, so the network forces those servers into a non-participating state rather than letting them guess. Related Reading: XRP Price Falls To Critical Support Level, Is It Time To Panic? So does “almost half the servers” going amendment-blocked matter if activity spikes? “Not at all,” Krippenreiter replied to one user. “All dUNL validators are safe, so all ‘trusted’ validators will continue to validate as expected. (and behave under load)… For everything else there is ‘FeeEscalation’.” The point he’s making: consensus comes from a trusted validator set, and fee escalation is designed to push transaction costs higher as the ledger gets busy, throttling spam and overload attempts. Other XRPL watchers mostly treated it as routine maintenance, not an existential moment. “Is this unusual or dangerous? No. This happens almost every amendment cycle,” another user wrote, listing prior change windows and noting that lagging nodes typically upgrade later. The XRPL amendment process itself is built around a long lead time: an amendment needs sustained supermajority support from trusted validators for two weeks before it flips on. Related Reading: Best XRP Buy Zone? Analyst Breaks Down The Key Levels Still, the optics aren’t nothing. Having hundreds of public servers fall behind at once can be a real-world nuisance for wallets, explorers, and businesses that lean on third-party infrastructure. Even if consensus is fine, fewer up-to-date nodes can mean less redundancy at the edges — more brittle public endpoints, more support tickets, more “why is my transaction not going through?” posts. And there is a concrete upgrade path. XRPL.org’s release notes for rippled 2.6.2 describe a new fixDirectoryLimit amendment plus a critical bug fix — the kind of stuff you don’t want to procrastinate on if you run production infrastructure. The short version: no, XRPL isn’t “going down.” But if you’re still running old rippled in late 2025, the network is about to remind you that upgrades aren’t optional. At press time, XRP traded alongside the broader market wide sentiment, down -1.5% over the past 24 hours. Featured image created with DALL.E, chart from TradingView.com
The narrative surrounding XRP, the digital asset native to the XRP Ledger, has shifted from a speculative cryptocurrency to a recognized digital asset within the global financial system. This shift reflects growing legal clarity and rising interest from financial institutions seeking compliant blockchain-based solutions for payments, liquidity, and settlement. How Institutional Interest In XRP Continues To Build As XRP gains recognition in regulated financial markets, it’s moving beyond its earlier perception as a speculative digital asset. An analyst known as Skipper_xrp has mentioned on X that this milestone has placed XRP in the conversation alongside traditional assets that institutions already trust. With recent developments from the US Commodity Futures Trading Commission (CFTC) and rising institutional interest, investors are wondering whether XRP’s growing credibility could be the catalyst for the next major price movement. Related Reading: Not Just Crypto: Research Says XRP Is Moving Into Bank-Grade Payment Infrastructure Meanwhile, tokenization is no longer a theoretical concept; it’s now a tangible reality. The ability to unlock trillions of dollars in real-world assets through blockchain is transforming how the markets will operate. On this front, the REAL token on the XRP Ledger isn’t just participating, it’s leading the change, and opening doors to an unprecedented global market. Ripple recently made the single biggest unlock for XRP since the case against the US SEC, and it has nothing to do with a court ruling. X Finance Bull has provided insight into the CLARITY Act, which legally defines digital commodities under CFTC oversight, eliminating guesswork and excuses from institutions. The real barrier to mass XRP adoption wasn’t tech or liquidity, but a legal risk, and that wall just cracked wide open. Currently, banks can use XRP rails, brokers can move in flow, and corporate treasuries can hold XRP on their books without stepping into uncertainty. This isn’t future potential; it’s the regulatory permission that is required before deploying serious capital. Many tokens don’t fit the mold, but XRP already operates on payment-grade, bank-ready infrastructure designed for real-world settlement, and first in line for real volume. “When institutions get the green light, the token with roads already built will lead,” Xfinancebull noted. A New Gateway Between Asian Markets And Ripple Labs Technical analyst, ChartNerd, revealed that VivoPower International PLC has quietly transformed a standard joint venture agreement into a strategic expansion vehicle with asymmetric exposure. Instead of deploying heavy capital, the structure creates a bridge between Seoul’s institutional crypto markets and Ripple Labs’ private equity, which is aligning with access rather than ownership. Related Reading: Fed Turns On The Liquidity Hose, XRP Ready To Ignite, Investor Claims ChartNerd stated that the play is targeting $300 million in Ripple Lab shares. Furthermore, VivoPower has a capital-light model that delivers substantial upside while minimizing corporate risk. Featured image from Peakpx, chart from Tradingview.com
One of the amendments in the new release corrects an accounting error affecting Multi-Purpose Tokens (MPTs) held in escrow.
The latest analysis circulating is that the Canadian fintech analysts are becoming increasingly bullish on XRP, pointing to a surge in real-world utility that could reshape the digital payments landscape. The financial institutions have continued to adopt blockchain-based settlement systems. This growing utility has led several Canadian researchers to issue an explosive new forecast. How XRP’s Real-world Utility Is Expanding Faster Than Market Valuations Canada’s fintech landscape is shifting, and XRP is rapidly emerging as one of its most influential digital assets. According to a video shared by crypto analyst Skipper_xrp, a Canadian news article highlighted that XRP could become the most compelling fintech play in the entire crypto sector and that it could reach as high as $2,000 by 2027. Related Reading: XRP Price About $1,000 Is A Necessity, Analyst Claims It is worth noting that XRP is no longer just a speculative asset in Canada. It’s now being viewed by Canadian analysts and market observers as a tangible fintech tool powering real change in cross-border payment, with a clear path to becoming a cornerstone of modern finance by 2027. The article also predicts that XRP could become the strongest fintech play in crypto. Skipper_xrp added that RACO, which is known as the beloved raccoon-themed token, has quickly become one of the most talked-about projects and is making a splash on the XRP Ledger. While RACO is gaining traction as more users adopt it for transactions, it is emerging as a standout choice within the XRPL ecosystem. Furthermore, the RACO tokens are now officially available for community members to get early access and be part of the project’s growth. Why The Financial Institutions Can Now Offer XRP Access With Confidence In a major regulatory breakthrough of the Ripple Ledger, analyst Skipper_xrp has also stated that the US Office of the Comptroller of the Currency (OCC) has confirmed that the national banks are now legally permitted to conduct riskless principal transactions in crypto-assets. This riskless principal activity will open the door for the token to be used in these regulated operations and give banks a compliant way to facilitate XRP-based trades and payments. Related Reading: Here’s Why XRP Positions Itself As Treasury-Grade Rail For Institutions Moving Trillions Furthermore, with the OCC’s confirmation, US national banks can now act as intermediaries for XRP transactions in a fully regulated manner without taking any market risk. This makes it easier for institutional and retail clients to access and use XRP through trusted, regulated financial institutions. According to Skipper_xrp, this ruling provides regulatory clarity and gives XRP a competitive edge in the US market, making it the perfect asset for banks to integrate into their service offerings. Such a move could power increased adoption and liquidity for the asset. Featured image from Adobe Stock, chart from Tradingview.com
XRP’s price has continued to chop, trading sideways, which has impacted the price of the U.S. spot ETFs that provide exposure to the altcoin. Canary Capital’s XRP fund has crashed 20% since its launch, although this fund remains the largest by assets under management (AuM). XRP’s Sideways Price Action Leads To Spot ETF Crash The XRP price has continued to trade within a tight range, just above the psychological $2 level, sparking bearish sentiment among investors. The altcoin is down over 10% in the last month, around the time the first spot XRP ETF, Canary’s fund, launched. This bearish price action has notably contributed to a price crash for Canary’s XRPC fund. Related Reading: XRP ETFs Are About To Hit $1 Billion – Here’s How Much Is Flowing In Daily TradingView data shows that Canary’s XRP ETF is down 20% since its launch on November 13. XRPC also dropped almost 10% last week amid choppy price action. Canary’s fund has also likely crashed due to increased competition from three other spot funds that launched after it. This has led to a slowdown in its inflows since these funds launched. Meanwhile, these funds track the spot XRP price, which also explains Canary’s XRPC crash. XRP has mirrored Bitcoin’s price action amid concerns that the crypto market may already be in a bear market. XRP whales also look to be bearish at the moment, as Santiment data shows a drop in whale transactions from a recent high recorded in November. However, despite this bearish sentiment, with the crypto market currently in a state of fear, the XRP ETFs have continued to record daily net inflows. SoSo Value data show that these funds have been on a 16-day net inflow streak since Canary’s XRP fund launched on November 13, and they have yet to record a net outflow day. Canary’s XRP ETF, which has suffered a 20% price crash, is currently the largest spot XRP fund with $364 million in assets under management. Grayscale’s GXRP is second with $211 million, while Bitwise and Franklin Templeton are third and fourth. As a group, these XRP funds are about to hit $1 billion in assets under management, with $861 million in total net assets. Some Positives For The Altcoin Santiment data show that XRP exchange outflows have outweighed inflows in recent times. This is a positive as it indicates that more investors are accumulating than selling. Exchange outflows typically represent moves for long-term holding, especially in anticipation of higher prices. Related Reading: Pundit Predicts That XRP Is About To Make Investors Extremely Rich In an X post, Santiment mentioned that the XRP Ledger is seeing a fascinating trend of whale and shark wallets shrinking in number but continuing to grow in coins held. The on-chain analytics platform noted that there are 20.6% fewer 100 million XRP wallets, but that these wallets, as a group, still own a 7-year high 48 billion coins. As such, the existing 100 million XRP wallets are doubling down on their accumulation efforts and making up for the shrinking number of wallets. At the time of writing, the altcoin’s price is trading at around $2.07, up in the last 24 hours, according to data from CoinMarketCap. Featured image from Freepik, chart from Tradingview.com
A crypto market analyst has compared XRP to NVIDIA, an American technology company with one of the biggest tech success stories in history. The analyst implied that buying XRP today could mirror the opportunity investors had when purchasing NVIDIA shares in 2000 at just $0.35. The comparison emphasizes the long-term potential of the XRP price and highlights the importance of HODLing. XRP Today Shows Growth Potential Like NVIDIA In 2000 A leading market expert, Egrag Crypto, has drawn a striking parallel between the current XRP price and the early days of NVIDIA. He suggested that buying XRP now could be akin to purchasing NVIDIA shares at just $0.35, as recorded in 2000. At the time of writing, the shares are priced around $180, representing a staggering 51,329% increase from over two decades ago. Related Reading: Brace For Impact: XRP Price Has Formed A Bullish Cross On Its Weekly Stochastic RSI Egrag Crypto points out that a $10,000 investment in NVIDIA at $0.35 per share in 2000 would have secured roughly 28,571 shares. At today’s prices, those shares would be worth over $5,142,780, demonstrating an investment strategy focused more on maintaining conviction and patience than timing or predicting the market perfectly. Beyond this, the analyst’s comparison illustrates the power of investing long-term in disruptive technologies, showing how early adoption and willingness to hold through volatility can result in life-changing gains. Applying this perspective to XRP, Egrag Crypto highlighted that the cryptocurrency has surged from $0.006 to $3.65 over the past 10 years. By comparing the altcoin to NVIDIA shares, he suggests the cryptocurrency could have similar potential for transformative, explosive growth. As a result, he implied that the current XRP price of $2.2 may present a potential entry point for investors willing to commit to a disciplined long-term strategy. Much like NVIDIA in its early days around 2000, XRP is still in the initial stages of its growth trajectory. The cryptocurrency recently emerged from a prolonged legal battle with the US SEC that had constrained its development and price appreciation for nearly 7 years. With increasing utility and ongoing ecosystem developments, XRP is well-positioned to grow over time. While its price has declined roughly 20% this year, according to CoinMarketCap, analysts remain optimistic about its long-term outlook. XRP On-Chain Activity Hits Record Levels On the technical front, XRP has experienced a remarkable surge in on-chain activity, signaling heightened engagement across the network. Data from CryptoQuant shows that on December 2, the velocity metric for the XRP Ledger (XRPL) spiked to a yearly high of $0.0324. Related Reading: Warning: XRP Price Is Forming A Death Cross That Previously Led To A 15% Crash Analysts from CryptoQuant have revealed that the rise in circulation velocity suggests that XRP is being actively traded rather than sitting idle in cold wallets. The increase points to high liquidity and significant participation from whales who appear to be moving large amounts of tokens. Additionally, such activity indicates that the XRP network is experiencing unprecedented levels of engagement, with more coins changing hands in a short time than the market has seen so far in 2025. Featured image from Freepik, chart from Tradingview.com
According to the latest on-chain evaluation, the recently-launched spot exchange-traded funds (ETFs) in the United States have added a new dimension to the XRP price dynamics. Institutional Divergence From On-Chain Activity A Classic Accumulation Sign On Friday, November 28, Cryptonchain, in a Quicktake post on the CryptoQuant platform, shared insights into XRP’s recent price action. The market analyst revealed that a notable on-chain dynamic is in play. Related Reading: Why XRP Will Not Reach $100 By End Of Year Despite ETF Launch The relevant indicator here is the XRP Active Addresses metric, which tracks the number of wallet addresses actively interacting with the XRP Ledger within a specific time period. This indicator provides insights about retail engagement, network health, and demand pressure. The analyst reported that the XRPL Active Addresses metric has seen a decline to around the 19,400 mark, its lowest level this year. What’s intriguing about this change is that an asset’s price action is typically expected to be in line with its network activity; this case, however, proves to be atypical. According to CryptoOnchain, while the XRP Ledger collapsed to its lowest levels seen this year, a strong defense of the $2.20 price support appears to be going on. This divergent behavior, noted the analyst, classically signals that institutions are silently accumulating tokens away from the XRP network. When retail activity sponsors price rallies, there are expectedly spikes in network activity due to Fear Of Missing Out (FOMO) among traders. However, institutions operate differently, as off-chain accumulations take place via OTC desks and custodial services (for example, Coinbase Prime and BitGo). What It Means For Price The online pundit explained that the decline in the number of active addresses to levels around 15,000 to 19,000 points to a relative absence of retail investors, an investor class with an aggressive reputation. As price thus maintains stability through this retail scarcity, it is apparent that there is a growing supply shock due to ETF inflows and increasing institutional positioning. Related Reading: Bitcoin Price Future: The Polarized Predictions Between Bulls And Bears—Who Will Prevail? With these conditions in place, CryptoOnchain posited that it is rational to expect a major pump in the XRP price, but under the additional condition that retail liquidity returns in a fairly considerable amount. As of this writing, the XRP token is valued at $2.18, reflecting an over 2% in the past 24 hours. However, according to data from CoinGecko, the altcoin is up by more than 14% in the last seven days. Featured image from iStock, chart from TradingView
The Chief Executive Officer (CEO) of Teucrium Trading, Sal Gilbertie, has given a bold endorsement of Ripple and XRP, positioning the crypto payments company as a potential competitor to JPMorgan Chase. He described Ripple as a highly interconnected ecosystem that could scale globally once it acquires a banking license. As Ripple grows to challenge the largest bank in the US, it raises the question about how its rapidly expanding network could also rival legacy banking systems like SWIFT. Ripple Positioned As New JPMorgan And SWIFT Rival Crypto enthusiast and XRP advocate Diana recently shared a striking interview between Paul Barron, founder of the Paul Barron Network, and Gilbertie. In the interview, the Teucrium Trading CEO shared his perspective on Ripple, showing full support for the crypto payment company’s growth and future potential. Related Reading: Ripple CEO Predicts XRP Rush, What Does He Mean? He explained that Ripple is actively building a fully operational financial institution capable of rivaling traditional banking giants like JPMorgan. The crypto payments company has also frequently been described as a competitor to SWIFT, positioning itself as a faster and more efficient alternative for cross-border payments. Gilbertie stressed that once Ripple obtains a banking license, it would operate with the capitalization and operational discipline typically associated with top-tier banks. Notably, the crypto payments company has been seeking a US national banking charter from the Office of the Comptroller of the Currency (OCC) to establish a new national trust bank. If authorized, Ripple could become one of the first crypto-native companies to obtain a US national bank license. Moving forward, Gilbertie said during the interview that XRP lies at the heart of this growing banking ecosystem. He noted that Ripple has no intention of selling XRP, describing the cryptocurrency as a strategic asset whose value is intended to appreciate over time through its use across the XRPL ecosystem. The Teucrium Trading CEO also called Ripple a “machine,” highlighting how the company operates in a disciplined, coordinated way, with its team growing and innovating while keeping the network strong and connected. Furthermore, he boldly claimed that Ripple is at the center of the universe, underscoring its pivotal role in potentially shaping the global banking landscape. Gilbertie’s Validation Confirms XRP’s Role The interview between Gilbertie and Barron drew strong, supportive reactions from many members of the crypto community, who interpreted the Teucrium Trading CEO’s statement as validation of XRP’s evolving role in institutional finance. Observers noted that hearing a regulated TradFi CEO describe Ripple as a JPMorgan rival offered rare institutional recognition that went beyond the usual industry speculation. Related Reading: Ripple Exec Addresses Tax Issue On XRP Ledger, Where Does It Go? They also pointed out that the timing of this endorsement coincides with the upcoming full enforcement of ISO 20022 standards and rising XRP ETF inflows. Diana, the XRP advocate who shared the interview, echoed this view, emphasizing that Gilbertie’s statements signal that infrastructure, compliance, and institutional interest are all aligning. She noted that price movements typically follow institutional and infrastructure rails, suggesting that XRP may be positioned for substantial growth once these rails are fully in place. Featured image from Getty Images, chart from Tradingview.com
The viral claims suggesting that XRP has no connection to payments are quickly falling apart under a basic review of official documentation. As misinformation spreads across social platforms, the publicly available documentation continues to reinforce the asset’s real, payment-centric utility, contradicting the narrative gaining traction online. How Documentation Debunks The XRP Role Speculation In an X post, a researcher known as SMQKE has revealed that the narrative claim that XRP is just a cryptocurrency with no connection to traditional finance payments is sharply contradicted by the documentation that defines the asset. A surface-level review has already shown just how inaccurate that statement is. Related Reading: Something Big Coming For XRP? Ripple Engineer Reveals Major Development According to SMQKE, unlike many cryptocurrencies built purely for decentralized experimentation, XRP was designed to operate within the existing traditional finance system. The report highlights that XRP was intended to enhance international money transfers by serving as a neutral bridge between currencies and providing liquidity. Furthermore, the documentation also shows that XRP is a digital asset engineered specifically to address long-standing inefficiencies in the traditional payment system. The conversation around RippleNet isn’t about experiments. Crypto analyst Xfinancebull highlighted that more than 300 banks are not testing RippleNet; they are partnering with it. Brad Garlinghouse isn’t speaking in vague possibilities; instead, he is forecasting where XRP could capture up to 14% of current SWIFT volume by 2030, which is an estimated $21 trillion in annual value moving across the XRP Ledger infrastructure. His focus is not on the chart price movements. It’s about how global financial plumbing is being re-engineered in real-time. The idea centers on a system where banks could settle cross-border transactions instantly 24/7, with lower operational fees, all powered by XRP. From this perspective, the transformation is being built. While the retail traders often react to every red candle, the institutions are entering partnerships and signing integrations. “You don’t buy XRP for today. You buy it for the financial world that is coming,” Xfinancebull noted. Major Capital Shifts From Observing To Building A recent move from Ripple has shifted conversations entirely. XFBAcademy has pointed out that banks didn’t raise $500 million to reshape the future of money, but Ripple did. Moves like this indicate exactly why the long-term outlook around XRP will continue to build strength. Meanwhile, real utility is finally being funded at the highest institutional levels. Related Reading: Ripple Exec Addresses Tax Issue On XRP Ledger, Where Does It Go? XFBAcademy explains that when names like Fortress, Citadel, Pantera, Brevan Howard, and Galaxy participate simultaneously, it’s not speculation, but a signal where infrastructure is heading. This raise isn’t fueled by speculative propaganda. Instead, it is tied to RLUSD, institutional rails, and the treasuries moving into on-chain. This kind of capital doesn’t chase existing narratives but actively builds new ones. The expert frames moments like these as the real turning points. These are the junctures when the smartest money transitions from observation to funding the new plumbing of global finance. Featured image from Getty Images, chart from Tradingview.com
A debate over the XRP Ledger’s (XRPL) economy model has ignited after Ripple’s Chief Technology Officer (CTO), David Schwartz, directly addressed questions about taxation on the blockchain. Critics have suggested that if XRP holders do not earn from the ecosystem, someone must be collecting a tax. Schwartz’s response challenges this assumption, framing the XRP Ledger as a public utility rather than a profit-generating mechanism for token holders. The debate has since sparked broader conversations about real-world use cases, passive income expectations, and the underlying purpose of the XRPL blockchain. Ripple CTO Says No Tax On The XRP Ledger In a post on X social media, Schwartz clarified that the XRP Ledger does not impose a tax on its users. He explained that the ledger allows holders to issue assets, trade, create NFTs, and make payments without central authority extracting value from these financial activities. He also stated that transaction fees and reserves exist solely as anti-spam measures, not as a mechanism for wealth extraction. Related Reading: Ripple CTO Explains Real Value Of XRP Ledger And Why It Doesn’t Trigger Price Rallies The Ripple CTO emphasized that ownership of XRP does not give anyone the right to collect fees or profits from the ledger itself. He drew a comparison to Bitcoin’s blockchain, highlighting that the XRPL provides similar decentralized functionality while also supporting features such as Decentralized Exchanges (DEXs), stablecoins, and NFTs. These features work without XRP holders needing to profit from the system’s operations. Schwartz’s remarks on taxes on the XRPL blockchain come after Matthew Sigel, head of digital asset research at VanEck, raised questions about who benefits if XRP holders do not earn anything from the ecosystem and the protocol itself does not generate value. In response, other members of the community, including XRPL dUNL validator Vet, emphasized that the absence of a tax encourages developers and users to focus on building meaningful, functional use cases rather than relying on passive income. XRP’s Utility Outweighs Tax Considerations The XRPL tax debate between Schwartz and Sigel also intersected with discussions about the blockchain’s real-world applications. In a much earlier post, Sigel questioned the blockchain’s relevance, subtly hinting that its supporters overstate its functionality. Related Reading: XRP Leading A $400 Trillion Revolution? How Ripple’s Tokenization Campaign Is Sparking Utility In response, an XRP community member pointed to the recent collaboration between Ondo Finance, Ripple, and BlackRock, in which the XRP Ledger will be utilized for stablecoin issuance, minting, Treasury asset redemption, and liquidity enhancement in financial markets. While Sigel acknowledged the innovative initiative, he reiterated that these applications do not directly generate revenue for XRP token holders, highlighting a gap between network activity and personal gain. Schwartz responded by explaining that the value of XRPL stems from enabling financial independence and reducing reliance on intermediaries, rather than providing passive income. He added that focusing on tax collection as a measure of success can overshadow the blockchain’s purpose of promoting open access and meaningful innovation. Featured image from Peakpx, chart from Tradingview.com
The Federal Reserve Chair Jerome Powell has hinted at plans to begin adding reserves back to the system. For XRP holders, the shift could prove pivotal. As the Fed prepares to inject fresh reserves, the XRP could once again benefit from an environment of expanding liquidity and easing financial conditions. XRP holders are paying close attention as Federal Reserve Chair Jerome Powell signals that the Fed will soon add reserves to its balance sheet, subtly setting the stage for the next phase of US monetary policy where digital reserves are not optional. Crypto analyst Xfinancebull has noted on X that President Donald Trump had recently mentioned that the US maintains a crypto stockpile, and XRP was among the assets held. Why Fed Reserve Growth Could Be The Spark XRP Has Been Waiting For The claims that Ripple is not just another startup, but a US-born solution to a quadrillion-dollar global payment challenge. This infrastructure is led by individuals who have met with presidents and policy architects like Brad Garlinghouse and Stuart Alderoty. Meanwhile, XRP has already held legal clarity and enterprise utility in the US. “What if XRP is not merely surviving regulation, but being positioned for integration?” XFinanceBull asked. Related Reading: Ripple Announces Major Partnership With Mastercard To Power Payments With XRP Ledger Ripple technology continues to demonstrate why XRP stands apart from every other digital asset. A publisher, Wilberforce Theophilus, highlighted that the Ripple XRP US patent number 10,902,416, and the US patent number 11,998,003 make XRP the undisputed cryptocurrency in the world. The publisher predicts that the US Gross Domestic Product (GDP) will eventually rest on the Chainlink ledger, and every asset will be hosted on the XRPL. At the same time, LINEA will serve as the secure messaging system connecting banks, while HBAR will provide the security layer that will underpin the entire network. These protocols form a coordinated framework to position XRP as the reserve asset currency, and its market capitalization could multiply exponentially. XRP was designed to replace the old financial system. Theophilus concluded that “once everything is properly positioned, individuals will be glad they joined crypto at this stage,” and he will be writing on why there are several regulations coming from the white house.” How XRP Is Inheriting The World’s Payment Rails The XRP Ledger is entering an unexpected moment that the crypto market has not seen before. JackTheRippler has stated that XRP holders should pay attention that the true value is about to be unlocked beyond imagination. He claims that a clear view of what’s unfolding will provide insights into why $10,000 and even $35,000 per XRP is not just a fantasy, but is entirely possible. Related Reading: XRP Price Gains Fade, Market Turns Cautious After Another Weak Session According to JackTheRippler, Ripple CEO Brad Garlinghouse has made it clear that Ripple is positioned to capture trillions from the global banking system, and “these are the real numbers, not speculation.” November 17 could become a historic turning point for XRPL. Featured image from Pexels, chart from Tradingview.com
Crypto pundit Jack has drawn attention to a valuation model that puts the XRP price at $18,000. This is based on the discounted cash flow model, which focuses on the XRP Ledger’s utility and XRP’s role as the native token. Valuation Model That Puts The XRP Price At $18,000 In an X post, Jack revealed that the discounted cash flow model puts the XRP price’s fair value at $18,036. He noted that the world is racing into tokenization and that the momentum is unstoppable. Based on this, he predicts that trillions of dollars in capital could flow into the XRP Ledger, powered by real-world assets (RWAs). Related Reading: XRP Price Performance In November: History Says It’s The Most Bullish Month In History The valuation model showed that the XRP Ledger may be viewed as a “pipeline of value,” in which the value passing through the network can be thought of as cash flow in a traditional business system. This could then boost XRP’s utility, potentially putting the XRP price at $18,000. Interestingly, there is also the possibility of the XRP price’s fair value being higher than $18,000 based on this discounted cash flow model. This could happen if economic growth rates are higher once crypto adoption spurs new businesses and economic models. These new businesses and economic models could lead to increased adoption for XRP and a subsequent price increase. Notably, crypto adoption, especially in traditional finance (TradFi), has been on the rise, boosting XRP’s adoption. This includes the launch of several XRP ETFs, which marks a positive for the XRP price. Meanwhile, Ripple has expanded its business with the surge in crypto adoption. This includes the acquisition of the prime broker Hidden Road, with the crypto firm already exploring how to include XRP products on the platform. Community Reacts To Price Prediction The valuation model for the XRP price sparked reactions among XRP community members. Community member XR noted that valuation models project extreme prices that often rely on perfect conditions that rarely exist. The community member added that tokenization on the XRPL may indeed bring large capital inflows, but asserted that it won’t dictate real value. Related Reading: Wave 3 Target Suggests That The XRP Price Is Headed For $10 Instead, XR declared that adoption, regulation, and liquidity depth will determine the real value of the XRP price. The community member further remarked that sustainable growth will always follow verified utility. Meanwhile, another community member stated XRP might not necessarily be used for the transactions even if trillions get transacted on the XRP Ledger. They added that XRP will be used to pay gas fees, but it won’t be the currency used for transactions. As such, trillions flowing into the XRPL may not have much impact on the XRP price. At the time of writing, the XRP price is trading at around $2.2, down over 4% in the last 24 hours, according to data from CoinMarketCap. Featured image from Freepik, chart from Tradingview.com
The XRP creator’s stablecoin climbs the ranks faster than most, tapping into its global payments network to accelerate adoption.
In a shocking flash surge that stunned traders worldwide, XRP’s price briefly skyrocketed to unprecedented heights on several major exchanges before rapidly collapsing back to its previous levels within seconds. The extraordinary spike triggered a wave of confusion across the crypto community, prompting questions about data integrity, liquidity anomalies, and possible faults in exchange systems. How The Event quickly spread And Was interpreted online The digital asset world was set ablaze recently when XRP inexplicably surged to an astonishing $9,800 across multiple exchanges for several seconds. According to KingXRP’s post on X, many experts believe that this was a test run for XRP’s upcoming role as a global reserve currency. Related Reading: XRP’s 100 Billion Supply Is By Design – Insider Reveals Why KingXRP noted that the $650 trillion global real estate market is actively preparing for mass tokenization on the XRP Ledger through the RealFi platform, powered by the real token. While REAL is currently trading at $0.03, analysts in the community are projecting that the token could rapidly surge to $176.99, especially once major Centralized Exchange (CEX) listings go live. KingXRP concluded that a massive supply shock may be imminent. Crypto analyst Skipper_xrp has emphasized that a former central banker and regulator, Marius Jurgilas, believes that XRP Ledger (XRPL) is setting the stage for massive-scale institutional investment inflows, potentially worth trillions. According to the expert, the focus is on utility, not speculation. This is a new era project of open and people-powered journalism with the BXE token, which is set to launch on a centralized exchange on November 14th. This BXE token powers a decentralized media platform built directly on the XRP Ledger, and it’s now live with an impressive fleet of 104+ authors and over 300 articles. Currently, BXE is trading at a humble $0.07, while analysts are forecasting a monumental jump to $19 and even $24. Why Utility Chains Will Outlast The Speculative Cycle An analyst known as the unknowDLT has also mentioned that Brad Garlinghouse stated a few days ago that we are officially closing the era of speculation and transitioning into the era of utility. At the core of this impending paradigm is XRP. The altcoin has been building foundational relationships, positioning itself at the center of this change, and engaging with regulators from day one. Related Reading: Financial Analyst Reveals How XRP Will Bridge Physical And Digital Value However, the imminent impact of the Clarity Act will relegate a staggering 99% of projects to values bordering on zero. It is no coincidence that this current speculative bull run feels profoundly different from previous ones. Meanwhile, Rosie Rios, the former US Treasurer and figure who literally signed the fiat currency of the old world, knows the role XRP is designed to play in the new financial system. Featured image from Freepik, chart from Tradingview.com
A prominent crypto commentator known as Remi Relief has expanded on theories linking Ripple, SWIFT, and the global banking system to the long-term valuation of XRP. His post on the social media platform X came in response to a discussion initiated by well-known analyst Paul Barron, who questioned whether Ripple’s strategy has always been to bridge the increasingly fragmented world of bank-issued stablecoins. The idea brings attention to XRP’s utility in facilitating liquidity between institutional networks, with Remi Relief noting that this could push the XRP price to $1,000. The Ripple/SWIFT Dual-System Theories Remi Relief proposed that the global payment structure could split into two interconnected systems where both ultimately rely on XRP for settlement and support the cryptocurrency’s price at $1,000. The first theory proposes a revamped version of SWIFT that would retain much of its existing framework but incorporate blockchain-based assets such as XRP, XDC, HBAR, and Chainlink to achieve faster transaction speeds and improved efficiency. Despite these upgrades, it would still face skepticism from some financial institutions due to it being weaponized in the past. Related Reading: Ripple CTO Stacks XRP Ledger Against Other Blockchains, What’s The Catch? The second theory is the setup of a new Ripple-based network built in collaboration with Thunes, which would function as a more trusted and independent channel for cross-border payments. This system would be much quicker, much cheaper and more trusted by countries. In Remi’s view, both models would coexist for a time, giving banks and governments the freedom to choose based on transaction scale, cost, and reliability. However, he believes that the Ripple-Thunes system will later gain dominance and overtake SWIFT as more and more banks use that system. Regardless of which of the two theories prevails, Remi Relief pointed out that both have the potential to lead to a $1,000 XRP more quickly than most people think. Paul Barron’s Perspective On Institutional Stablecoins Paul Barron’s initial post that prompted Remi Relief’s response is based on the growing race among major banks to issue their own stablecoins. He pointed out that while SWIFT continues to promote neutral rails, banks like JPMorgan, Bank of America, Citi, and Wells Fargo are developing US-based consortium stablecoins. Similarly, European institutions such as ING and Deutsche Bank plan to launch euro-denominated versions by 2026. Related Reading: High Liquidity At This Level Could Send The XRP Price Surging Soon Barron warned that this trend toward proprietary stablecoin systems would fragment the global financial network even further and create walled gardens where each bank’s stablecoin operates in isolation. In his view, such fragmentation will bring out the original purpose of XRP, and this might have been the plan of Ripple CEO Brad Garlinghouse all along. The plan has always been to use XRP as a bridge asset capable of allowing interoperability between otherwise disconnected financial ecosystems. This function aligns with Ripple’s long-standing vision for the XRP Ledger as a neutral settlement layer for easy cross-border value transfer between different digital and fiat systems. At the time of writing, XRP is trading at $2.41 and is a long way away from trading at $1,000. Featured image from Freepik, chart from Tradingview.com
A discussion has surfaced within the crypto community regarding the reasoning behind XRP’s fixed supply of 100 billion tokens. For years, enthusiasts and investors have questioned why Ripple opted for such a large figure when most cryptocurrencies operate with far smaller caps. Ripple’s Chief Technology Officer, David Schwartz, recently addressed the question on the social platform X, shedding light on the considerations that guided the early design of the XRP Ledger. Technical Foundations Behind XRP’s 100 Billion Supply David Schwartz was one of the original architects behind XRP and the XRP Ledger in 2012, and as such, he possesses unmatched insight into the cryptocurrency’s tokenomics and the rationale that shaped its design. His response to the question regarding XRP’s 100 billion supply design revealed that the decision was rooted in technical precision and deliberate effort to balance the functionality of the token’s architecture. Related Reading: Evernorth Has Reached 95% Of Its XRP Treasury Target – Here Are The Numbers The first layer of reasoning behind XRP’s supply lies in its technical design. According to Schwartz, the developers of the Ledger sought a number that would provide adequate divisibility for the token. This level of divisibility allows XRP to be functional across both high-value institutional payments and smaller, everyday transactions. Equally important was the need for the total supply to fit cleanly within a 64-bit integer, a standard data type used in computing to store numerical values efficiently. This decision minimizes the risk of overflow errors or arithmetic inconsistencies in the ledger’s codebase. A supply as large as 100 billion allows the system to handle every transaction amount accurately while preserving performance and compatibility with conventional software frameworks. Usability And Design Simplicity Aside from the technical justifications, the choice of 100 billion was also made with human usability in mind. As noted by Schwartz, the third reason for XRP’s 100 billion circulating supply is that the number is easy for humans to remember. Related Reading: High Liquidity At This Level Could Send The XRP Price Surging Soon Ripple’s architects wanted a total supply that was easy to communicate, recognize, and remember. A round, memorable number like 100 billion conveys clarity to users and traders. Although XRP has a maximum supply of 100 billion tokens, not every token is currently in circulation. At the time of writing, XRP has a circulating supply of 60.1 billion tokens. At the launch of the Ledger, a total supply of 100 billion XRP was pre-mined and fixed. Of this amount, approximately 55 billion XRP were placed into escrow contracts controlled by Ripple to control how many tokens enter the market over time. At the time of writing, about 35 billion XRP tokens are currently locked in escrow and waiting to be released into circulation. Each month, up to 1 billion XRP is released, and any unused portion (about 70% to 80%) is typically placed back into escrow. As part of the schedule, Ripple is going to unlock another 1 billion XRP from escrow on November 1. At the time of writing, XRP is trading at $2.51, up by 0.9% in the past 24 hours. Featured image from Freepik, chart from Tradingview.com
The proposed Batch amendment for the XRP Ledger introduces atomic transaction capabilities.
For nearly a decade, XRP has been the underdog of the digital-asset world, overshadowed by Bitcoin’s narrative dominance, Ethereum’s developer gravity, and Solana’s speed headlines. Yet while most of the market debated ETFs and exchange listings, XRP’s core network, the XRP Ledger (XRPL), kept quietly evolving in the background. It is now re-emerging as an […]
The post How XRP’s renewed role is driving crypto-fiat settlement and innovation worldwide appeared first on CryptoSlate.
A potential XRP supply squeeze may be brewing, and new insights from leading market watchers suggest that the impact on price could be significant. Crypto analyst Zach Rector has warned that the long-dismissed ”XRP supply shock” narrative is no longer just talk. As more XRP is locked, tokenized, and deployed in Decentralized Finance (DeFi) ecosystems, the available supply continues to tighten. XRP Supply Shock To Evolve From Meme To Market Reality Crypto analyst Zach Rector ignited discussions about XRP’s circulating supply this week after posting on X social media that the “XRP supply shock is not just a meme anymore.” Rector explained that while the concept once seemed exaggerated, developments within the Flare ecosystem are now turning it into a measurable market trend, where on-chain demand could limit liquidity over time. Related Reading: Famous Analyst Calls XRP The Ethereum Killer As Experts Predict What Comes Next Rector revealed that he recently minted 100 FXRP, adding to the 90 FXRP he created the previous week, to explore how XRP could generate yield with the Flare ecosystem without leaving the XRP Ledger. He emphasized that the altcoin’s growing role in DeFi is one of the key dynamics investors should watch as more assets are bridged and locked. Supporting this, Rector shared a Whale Alert report showing that 4,000,000 XRP, worth more than $11.21 million, had been locked in escrow in a Flare core vault linked to the XRP Ledger. He revealed that once XRP is locked, it is minted and represented as FXRP on the FlareNetworks, effectively removing it from active circulation while enabling yield generation. Rector disclosed that Flare’s Chief Executive Officer, Hugo Philion, previously stated that the company’s long-term target is to tokenize up to 5% of the total XRP supply within its network. Such a move could significantly impact liquidity and potentially create upward price pressure if demand for the cryptocurrency continues to climb. Following the analyst’s post, the Flare community on X responded positively, emphasizing that the network is creating new yield opportunities for XRP holders and driving ecosystem growth. Flare’s Expanding DeFi Role Through XRP In a separate update, FlareNetworks released a performance chart on X showing that FXRP activity and Total Value Locked (TVL) have been rising sharply since early September 2025. The chart indicates sustained growth in FXRP minting and redemption, signaling an accelerating participation across the network’s DeFi infrastructure. Related Reading: Analyst Says Be Concerned About XRP Price When This Starts Happening To 3-Day Candles Flare stated that each FXRP cap increase has triggered new waves of on-chain financial activity, gradually establishing the network as a significant influence in XRP’s DeFi adoption within the Ethereum Virtual Machine (EVM) ecosystem. Further analysis from MessariCrypto’s Pulse Report supports this trend. The report found that FXRP minting has surpassed 30 million tokens, with TVL climbing by more than 25% in recent weeks. Messari also highlighted how key features within the Flare ecosystem, including “FAssets incentives, USDT0_to liquidity, and the upcoming Firelightfi staking layer,” are transforming XRP from a non-productive asset into one capable of generating returns. Featured image from Adobe Stock, chart from Tradingview.com
Rumors are circulating that BlackRock has partnered with Ripple to tokenize real-world assets on the XRP Ledger (XRPL). There has been no confirmation from either party, suggesting that these rumors may not be accurate. Rumors Circulate About BlackRock’s Partnership With Ripple and XRP In an X post, XRP influencer JackTheRippler said that there are rumors that BlackRock is about to announce a partnership with Ripple to tokenize assets on the XRPL. Other XRP influencers, such as CryptoSensei and Bale, also shared the rumor, sparking excitement among XRP community members. Related Reading: Investment CEO Highlights Why Ripple’s XRP Has The Strongest Utility In The Industry However, BlackRock and Ripple have yet to issue an official announcement about the rumored partnership, suggesting these claims may not be true. However, BlackRock CEO Larry Fink confirmed that they are building their own technology to tokenize several of their funds and expand their crypto offerings. The BlackRock CEO noted that tokenization can help crypto-native investors access more traditional assets. He further remarked that if they could tokenize an ETF, they could get these investors into the more traditional long-term retirement products. Notably, the asset manager already has products, such as its tokenized money market fund, BUIDL, which runs on the Ethereum network. It is worth mentioning that Ripple already partnered with the fund’s manager, Securitize, to enable off-ramp support for BlackRock’s BUIDL using their RLUSD stablecoin. This has so far been the closest to a partnership between Ripple and BlackRock amid rumors that the asset manager plans to tokenize assets on the XRP Ledger. However, Ripple has so far helped advance upgrades to the XRP Ledger, which could compel institutions like BlackRock to tokenize their funds on the XRPL. This has included the launch of the Multi-Purpose Token (MPT) standard, which is designed to simplify the tokenization of real-world assets (RWAs). Ripple Expands Into Treasury Markets While rumors of a Ripple and BlackRock partnership do not appear to be accurate, there are other recent developments that provide a bullish outlook for XRP. This includes Ripple’s expansion into the corporate treasury markets through the $1 billion acquisition of GTreasury, a provider of treasury management systems. Related Reading: The XRP Price Roadmap To $8: How An Over 50% Bounce Could Materialize As part of the deal, Ripple and GTreasury will focus on enabling customers to carry out real-time cross-border payments using Ripple’s payment solution, in which XRP serves as the bridge currency. Meanwhile, according to Bloomberg, Ripple is also working to raise up to $1 billion to establish an XRP treasury company. The crypto firm plans to contribute some of its XRP holdings to set up the firm, while the proposed $1 billion is expected to be raised through a special purpose acquisition company (SPAC). At the time of writing, the XRP price is trading at around $2.35, down over 2% in the last 24 hours, according to data from CoinMarketCap. Featured image from Getty Images, chart from Tradingview.com
Crypto analyst Levi Rietveld has claimed that a $400 trillion XRP revolution is underway, driven by Ripple’s expanding efforts in Real-World Assets (RWA) tokenization. With major partnerships reportedly forming between Ripple and some of the largest players in the financial sector, XRP’s role in bringing traditional assets onto the blockchain is gaining significant attention across the industry. XRP To Lead The $400 Trillion Tokenization Wave According to Rietveld, XRP is not just another digital asset but a cornerstone of a financial revolution worth more than $400 trillion. In a recent post on X social media, the analyst explained that XRP is breaking into a market defined by RWA tokenization—an emerging industry that could reshape how global value is exchanged, sold, and verified. Related Reading: Investment CEO Highlights Why Ripple’s XRP Has The Strongest Utility In The Industry Rietveld emphasized that some of the world’s most influential institutions are now aligning with Ripple to pursue this tokenization vision. He mentioned that BlackRock, VanEck, and Securitize have reportedly joined forces with Ripple to develop frameworks for RWA tokenization, which redefine asset management and exchange. Unlike Bitcoin, which lacks the Layer 2 flexibility and throughput needed for RWA settlements, Rietveld explains that the XRP Ledger (XRPL) boasts the scalability and speed required for global financial operations. He mentioned that XRPL can execute 40,000 transactions per second—a level of performance that makes it ideal for handling the vast volume of tokenized asset transactions expected to dominate the future of finance. XRPL’s architecture also enables instant settlements and interoperability, qualities that are essential for financial entities managing trillions in global assets. If the tokenization trend continues at its current trajectory, Rietveld suggests that the market could eventually reach a $400 trillion valuation. Additionally, XRP could play a pivotal role in bridging the gap between traditional markets and blockchain infrastructure. Moreover, the cryptocurrency‘s utility could evolve beyond a payment asset into a core component of global financial infrastructure. SWIFT’s ISO 20022 Shift To Fuel Another XRP Revolution Another key development that could shape XRP’s future comes from the global payments network, SWIFT. According to the team behind BeLaunch, a premier decentralized launchpad, SWIFT will retire its legacy MT messaging system and fully adopt ISO 20022 on November 22, 2025. This change is set to enhance how banks and financial institutions communicate, enabling better data exchange, stronger security, and faster automation across global transactions. Related Reading: XRP Is Already Penetrating SWIFT’s Network Through Multiple Entry Points, Expert Highlights How The XRP Ledger is already compliant with ISO 20022, giving it a potential advantage in future banking integrations. This compatibility means XRP can easily fit into systems aligned with the new global messaging framework. However, as BeLaunch noted, readiness does not equal adoption. XRP must still navigate challenges related to regulation, liquidity, and competition from stablecoins and private blockchain networks. Even so, the ISO 20022 transition represents an important step toward global financial interoperability—the very principle on which Ripple has built its ecosystem. Featured image from Getty Images, chart from Tradingview.com
Ripple cryptographer J. Ayo Akinyele outlines a privacy-first roadmap — ZK proofs and confidential tokens — to make XRP Ledger attractive to institutions.
Ripple is taking another bold step toward mainstream finance by extending the reach of its Interledger Protocol into the SWIFT network, regarded as the backbone of global payments. By enabling interoperability between two of the most influential payment ecosystems, Ripple is positioning XRP as a key player in the future of international money movement. Could XRP Become A Standard For Settlement? The strategy for mainstream adoption of the XRP Ledger (XRPL) and its native asset, XRP, is intricately linked to the Interledger Protocol (ILP). As highlighted by researcher SMQKE on X, Ripple’s approach is to become an essential part of the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network, providing an interoperable layer that seamlessly bridges the old and new financial worlds. Related Reading: Pundit Claims That Ripple Is Building The Banking System Right On The Blockchain Using XRP This Interledger Protocol is designed to synchronize separate ledgers without forming a new one, while acting as a connective tissue across financial systems. In many ways, it mirrors SWIFT’s own structure, where the successful processing of a payment message creates binding obligations to pay between nodes and intermediaries. However, ILP is Ripple’s core strategy for mainstream adoption of the XRP Ledger. By making ILP fully compatible with SWIFT, Ripple ensures that both XRP and its technology can plug into the world’s most dominant payment network. What’s important about this move is the fact that Ripple itself is now often described as evolving into the Interledger Protocol initiative. Ripple understood that the world would never standardize on a single ledger, which is why it built ILP to enable interoperability to bridge across multiple systems. Meanwhile, this approach is reinforced through the ISO 20022 adoption to ensure that the entire transaction is secure, seamless, and scalable, offering a superior settlement experience that coexists with the bank’s existing messaging connectivity across the global financial infrastructure. “The strategy is clear: one protocol (ILP), unlimited networks, and seamless XRP movement,” SMQKE noted. The Promise Of Financial Freedom With XRP As the crypto landscape expands, XRP has been hailed as an asset that could offer financial breakthroughs. The sentiment expressed by Traveler2236 points to a profound vision of global financial inclusion and the end of economic inequality enforced by legacy systems. His core claim is that there will come a day when XRP will unleash dreams beyond imagination. Related Reading: Analyst Warns XRP Investors That This Is Happening Right Now – Time To Pay Attention? Also, there will be no denials because of a credit score, and no more doors closed because your income doesn’t match some arbitrary outcome. Traveler2236’s statement is not merely a prediction, but a declaration of certainty, bordering on a personal epiphany. “This isn’t a dream anymore, it’s happening right now,” the expert stated. Featured image from iStock, chart from Tradingview.com
Ripple has unveiled a partnership that places its RLUSD stablecoin at the center of tokenized finance involving BlackRock and VanEck. The announcement, which was shared on the company’s official X account, connects Ripple directly to tokenized versions of institutional funds and sets the stage for deeper integration between the XRP Ledger and some of the largest names in asset management. Ripple And Securitize Join Forces Ripple confirmed that it is working with Securitize,the world’s largest tokenization platform, to bring in real-time liquidity for institutional assets provided by BlackRock and VanEck. Through this arrangement, holders of BlackRock’s $BUIDL and VanEck’s $VBILL can instantly convert their fund shares into RLUSD, allowing them to retain access to on-chain yield. With the partnership, BUIDL and VBILL holders will now be able to instantly exchange their shares for RLUSD 24/7. Related Reading: Ripple Meets With US And US Government To Talk Crypto – Here’s What Happened Acording to the announcement, Securitize is also expanding integration with the XRP Ledger. Considering Securitize is one of the largest tokenization platform, this move increases the XRP ecosystem’s exposure to tokenized assets and strengthens Ripple’s push to imporove its on-chain financial infrastructure. “Making RLUSD available as an exchange option for tokenized funds is a natural next step as we continue to bridge traditional finance and crypto,” said Jack McDonald, SVP of Stablecoins at Ripple. “ Ongoing Discussions Around Ripple and BlackRock Speculation around Ripple’s relationship with BlackRock has been building for months, and many in the industry have linked Ripple’s cross-border settlement technology to the asset manager’s vision for tokenization. The company is now working to tokenize $2 trillion worth of assets on the blockchain. BlackRock launched its first tokenized fund, BUIDL (BlackRock USD Institutional Digital Liquidity Fund), in March 2024, doing so through Securitize’s infrastructure. Securitize serves as the platform that tokenizes BlackRock’s fund, issuing digital tokens that represent ownership of the underlying real-world assets. Related Reading: Ripple’s XRP Ledger Just Introduced A Pivotal Update In Its Quest For Dominance The implications are significant. Ripple has managed to secure a foothold in the conversation by tying RLUSD to tokenized funds. Ripple’s RLUSD is now linked not only to BlackRock’s BUIDL but also to VanEck’s VBILL fund. This creates a direct link between Ripple’s stablecoin ecosystem and products from two of the world’s biggest asset managers. The partnership can be viewed as an important step that could eventually pave the way for XRP itself to be tied into BlackRock’s tokenization efforts. This partnership also speaks to Ripple’s strategy of expanding the utility of RLUSD. Since its launch, the stablecoin has steadily grown in adoption, reaching a market capitalization of about $742 million. The collaboration with Securitize, and through it with BlackRock and VanEck, also improves XRPL’s presence in the real-world asset (RWA) tonization sector. Featured image from Adobe Stock, chart from Tradingview.com
XRP Ledger has just reached a turning point in its history with the launch of its first native stablecoin. This milestone marks the beginning of a broader expansion for the XRP Ledger, positioning it as a serious player in the race to blend global liquidity with everyday usability. Why A Native Stablecoin Matters For XRP The recent launch of the first native stablecoin for XRP on the Flare Network marks a significant development for the XRP ecosystem. Onur, a trader and ambassador to NEARProtocol and Somnia_Network, has mentioned on X that the new stablecoin is designed to provide extra utility for XRP and create new liquidity rails for holders. It is worth noting that this initiative is part of Flare Network’s broader strategy to expand the utility of FAssets adoption. Related Reading: XRP Price Stability Signals Opportunity – Is a Fresh Breakout on the Horizon? Onur also drew attention to the stablecoin design, which is based on a battle-tested collateralized Debt position (CDP) and stability pool model. He also sees this as a first step toward a more self-sustaining DeFi layer on Flare, where liquidity is generated natively rather than depending solely on external assets. Onur concludes by expressing his curiosity about the level of demand from XRP holders for liquidity without selling for this new product. Based on a new report highlighted by a technical analyst, ALLINCRYPTO, Ripple is positioning the XRP Ledger as a top-tier platform for institutional DeFi. In addition, the report reveals significant milestones, including securing over $1 billion in monthly stablecoin volume and ranking among the top real-world asset tokenization activities. Meanwhile, the report also confirms that zero-knowledge proofs (ZKPs) are currently being developed for the XRPL to strike a balance between user privacy, regulatory compliance, and scalability. Major Analysts Are Now Targeting XRP An Italian crypto expert, Fabio Zuccara, has drawn attention to a shift in the market’s perception of XRP, referencing bold price predictions from major market voices on Wall Street. These forecasts, which place XRP’s potential value between $10,000 and $35,000, are not mere random speculation. Related Reading: $480 Million In 2 Weeks? XRP Whale Movements Could Reveal The Next Price Direction Zuccara’s core argument is that the adoption of XRPL for RWAs is poised for an explosion. He points to the $653.39 trillion global real estate market, which is preparing to migrate onto the XRPL through Real token. The token was launched with a phase one supply of just 100 million tokens, with a remarkable 80% already burned. Specifically, this extreme scarcity creates the foundation for a massive supply squeeze. Zuccara illustrates this with a compelling calculation that if a mere 1% of the $650 trillion market flows through the XRPL, the value of the Real token could surge from its current price of $0.023 to $64,500. However, this kind of supply shock could unfold overnight, positioning the REAL Token as the premier RWA and DeFi asset on the XRP Ledger. Featured image from Adobe Stock, chart from Tradingview.com