The XRP Ledger (XRPL) has just experienced one of its biggest crashes this year, as on-chain data shows that activity on the Ripple blockchain has dropped by 99%. While this might look like a major red flag, the decline has yet to significantly impact the XRP price, suggesting that the situation may not be as alarming as it seems. Overview Of Ripple’s XRP Ledger 99% Crash Over the weekend, XRP Ledger transaction activity dropped sharply, falling by approximately 99% within 48 hours. On closer inspection, the decline appears primarily due to timing rather than any major technical issue in the ledger. Usually, cryptocurrency transaction volumes decline over weekends. This is because many institutional traders and market makers reduce their trading or stop entirely on weekends, leading to thinner liquidity and lower payment volumes on the ledger. Related Reading: Ripple’s 100,000 Transactions: Why XRP Investors Are Returning Notably, on-chain data from XRPScans revealed that XRPL’s payment volume between accounts declined from over 1.09 billion on Thursday, January 8, to 166.99 million on Saturday. This represents a massive drop in network usage, showing just how much activity can decrease over a weekend. Payment volume is also yet to recover, falling further to around 137.40 million as of January 11. In addition to volume decline, the number of transactions executed on the XRP Ledger during that time frame also reduced. XRPScans showed that transactions fell from over 2 million on Thursday to 1.8 million on Saturday. This decline in both volume and transfers shows that even small reductions in participation by large accounts or institutional users can significantly affect network metrics. It’s worth noting that the XRP price is still trading above $2 and remains somewhat unaffected by the recent decline in network activity. Although CoinMarketCap data shows its value dropped by more than 4% over the past week, there’s no clear evidence linking this to the recent 99% decline in the ledger. Interestingly, just days before the crash, the XRP Ledger recorded a major increase in whale transactions, each valued at $100,000 or more. This suggests that, despite temporary network fluctuations, the XRP network continues to experience substantial activity and engagement from major holders. XRPL Developer Shares New Update For Ledger Vet, an XRPL dUNL validator and developer, has shared a new update on the XRP Ledger, revealing that a large batch of fixes and amendments is now nearing its activation timer. This marks a critical step for the blockchain network, promising to enhance functionality and security for developers and users. Related Reading: XRP Retrace Is Only Temporary, What Happens Once the Uptrend Resumes Vet has stated that the upcoming changes cover several important features, including TokenEscrow, AMMClawback, Multi-Purpose Tokens (MPT), and Price Oracle. He emphasized that the XRP development team remains committed to maintaining the ledger at its highest performance. He added that the team is also working diligently to ensure all features operate smoothly, independent of XRP’s current market price. Featured image from Freepik, chart from Tradingview.com
A longtime XRP Ledger builder says XRPL has a narrow shot in 2026 to jump into the top tier of chains on liquidity and activity, but only if Ripple and the XRPL Foundation stop “playing it safe” and prioritize frictionless consumer onboarding, real-world payment rails, and a faster, more aggressive funding engine. Why 2026 Needs To Be The Year For XRP Panos Mekras, founder of Anodos Finance, wrote on X that the network’s current metrics are a warning sign: “only a few thousand active users,” daily DEX volume “frequently under $10m,” and AMM TVL “struggling below $50m” roughly two years after launch. The target, he argued, should be explicit: “move into the top 3 networks when it comes to volume, liquidity and overall activity.” Mekras said the liquidity gap is ultimately an infrastructure and distribution problem. XRPL remains “an isolated island,” he wrote, with limited bridges to other chains and “fragmented, high-fee gateways” instead of seamless on/offramps. His prescription is direct integration of mainstream rails: “native support for major rails like VISA and Mastercard directly within XRPL-based applications” so users can issue cards and spend XRPL assets in real time. Related Reading: Same XRP Setup That Led To Over 1,000% Increase In 2017 Is Playing Out Again He also framed stablecoin alignment as a competitive constraint: RLUSD reaching a $1 billion market cap in its first year is “positive,” he said, but “$1B is not good enough” against incumbents with $5 billion to $180 billion in circulation that have already become default onramps. He also argued XRPL lost its consumer narrative after Ripple’s 2014 pivot toward payments and B2B. That shift, in his telling, trained the market to associate XRP primarily with Ripple partnerships rather than the ledger itself, leaving many holders unaware of XRPL’s native DEX and token features. He pointed to a 2023 reply from Ripple CTO David “JoelKatz” Schwartz, who said the DEX ecosystem was strong at the time of the pivot, citing “over $8 million per day in swaps and payments” that Ripple “could 100% confirm” as real activity. For 2026, Mekras wants XRPL positioned less as “payments” and more as a protocol-layer finance stack where core features are built-in rather than stitched together through smart contracts, with “aggregated liquidity” and “one DEX to rule them all.” A key pillar is “XRPFi,” which he described as an effort to turn “the $100B+ of dormant XRP into productive, yield-generating capital” by pushing XRP liquidity into programmable environments. He cited Flare’s FXRP via FAssets as a route into smart contracts without “central custodians,” and highlighted Axelar & Midas’ mXRP as an “institutional-grade liquid staking token” he said could enable “5–10% APY,” creating liquid XRP variants that can be used as collateral and AMM liquidity. Related Reading: XRP Rally Reopens The $8–$12 Zone Debate, Says Will Taylor The consumer strategy, he argued, should be “invisible infrastructure”: utility apps where users never see crypto mechanics. “If a user is ever prompted to ‘Add a Trust Line’ or ‘Have enough XRP for the reserves’ we have already failed,” he wrote. “The interface must be indistinguishable from the modern mobile apps people already trust.” To enable that, he called Sponsored Fees and Reserves (XLS-68) the top technical priority so developers can sponsor account reserves and fees, paired with Batch Transactions to compress multi-step actions into “one single, atomic signature.” Mekras’ sharpest criticism was aimed at grants. He called Ripple’s 2022 commitment of 1 billion XRP to fund XRPL development a “Ghost Fund,” estimating less than $50 million, under 5% has reached active builders in four years. “A grant program that takes 3 months to approve $50,000 and can take another 3 months to receive the money is not a growth engine, it is a bureaucracy,” he wrote, arguing XRPL needs million-dollar checks for proven teams, direct liquidity incentives, and a unified developer experience. His conclusion was a call for a “war chest mentality” in 2026: fund distribution and liquidity, fix onboarding friction, and build consumer products where XRPL is simply the backend. Without that, he warned, the ecosystem risks remaining a technically capable network that still cannot attract sustained users, builders, or capital at scale. At press time, XRP traded at $2.10. Featured image created with DALL.E, chart from TradingView.com
A prominent crypto commentator known as Mason Versluis has issued a notable warning for XRP investors, pointing out that parts of the discussion around XRP to lofty price targets as high as $10,000 have drifted far away from reality and risk misleading investors. Pundit Pushes Back Against $10,000 XRP Predictions Bullish price predictions around XRP have been arriving at an unusually fast pace in recent months, especially as spot exchange-traded funds and institutional participation are now a major part of investor conversations. Related Reading: The Great XRP Exodus: Here’s How Much Is Left On Crypto Exchanges Social media platforms are now filled with increasingly high targets, ranging from triple-digit valuations to extreme calls for four-figure and even five-figure prices at $10,000. Just a few years ago, you would not have believed such XRP price predictions would be as rampant as this. In a recent video clip circulating across the crypto community, Mason Versluis delivered an unusually blunt assessment of the $10,000 predictions for the altcoin. He dismissed the figure outright, noting that such price targets should not even be part of current conversations. According to Versluis, anyone aggressively promoting those numbers is doing investors a disservice and misleading them. His argument is based on the fact that XRP has yet to demonstrate the ability to break above far lower price levels, making five-digit projections detached from present conditions. A closer look at XRP’s circulating supply explains why the $10,000 prediction raises doubts. XRP currently has a circulating supply of about 66 billion tokens with a market cap of $141.9 billion. Therefore, calculations based on the current circulating supply would imply a market cap of roughly $660 trillion if the altcoin reaches $10,000, which is far greater than the current top 100 assets by market cap combined. To put this in context, gold currently has a market cap of about $31 trillion. The most realistic way that the token might reach $10,000 is for the circulating supply to decrease significantly. Bullish Bias Exists, But Built Around Progression According to Versias, XRP reaching $10,000 is not outright impossible. However, the world has only seen roughly 2% of the changes that would be required for XRP to approach a $10,000 valuation. Related Reading: Here’s How Much The XRP Price Will Be If It Overtakes Ethereum In Market Cap XRP has not even reached $10, let alone maintained it. In order for any outstanding price levels to become a reality, XRP would first need to break above double digits $10, and hold above. From here, discussions about $50, $100, or higher only become meaningful after XRP proves strength at each preceding level. Despite the criticism, Versluis made it clear that his outlook on XRP is not bearish. He acknowledged that his stance has grown increasingly optimistic due to developments such as ETF momentum, DeFi activity, and institutional engagement surrounding XRP and the XRP ledger, continuing to improve. Featured image from Adobe Stock, chart from Tradingview.com
In a development that could accelerate the evolution of cross-border financial infrastructure, JPMorgan’s GTreasury initiative on the XRP Ledger signals a potential turning point for global payments. JPMorgan’s move challenges long-standing assumptions about the role of banks in digital asset settlement and the increasing legitimacy of the XRP Ledger as a foundation for real-world transaction flows. What JP Morgan has done with GTreasury using the XRP Ledger will change payments forever. Crypto analyst Xfinancebull has revealed on X that when JPMorgan moves, it’s never for show. This was a direct integration into Ripple’s stack, allowing the Ledger to transition from Crypto Rails into the real-world plumbing for global banking. What This Means For XRP And The Broader Digital Asset Market This isn’t about transaction volume; it’s about signal, and the GTreasury system migrates only when the infrastructure is proven safe, fast, and scalable. Ripple didn’t chase relevance; it built infrastructure before the banks arrived. This integration reframes the altcoin to become a foundational layer, not a speculative asset reacting to market sentiment. Related Reading: How XRP’s Utility Will Drive Price Appreciation In The New Year The fundamentals of the XRP Ledger continue to grow massively without noise. An analyst known as Vet highlighted that while other ecosystems are struggling to fix their consensus and unique native approach for a multi-currency ledger, XRPL remains the best-in-class. The network continues to attract high-quality validators and deeply technical community members more than ever before. Education and accessibility have also reached a level where Tap has been well-designed for individuals with the apps and the XRPL.org site. On the protocol side, security has been taken to the next level with formal specifications and formal verification, which is bleeding-edge technology in crypto already used in military and aerospace systems. The payment engine is already specified, and the compliance features with DID, Credentials, and upcoming permissioned domains/DEX functionality are enabling Ripple payments to operate directly on XRPL DEX infrastructure. In addition, Evernorth $1 billion involvement in XRP is aimed at generating yield. Meanwhile, XRP ETFs continue to grow, with issuers reporting high long-term conviction among their investors in the altcoin. Even a quantum-proof encrypted XRPL test net already exists. This is a grind that involves patience, but the trajectory is upward, which has been up. How The XRPL Fits Institutional Portfolio Architecture According to the XRP Update on X (formerly Twitter), Franklin Templeton, a $1.53 trillion global asset manager, has publicly identified the XRP Ledger and XRP as a foundational building block for digital asset portfolios. Related Reading: $1.6 Trillion Asset Manager Goes Deep Into XRP, Shares Reason Behind The Move This move reinforces the altcoin’s role in institutional-grade infrastructure, making it highly scalable, liquid, and built for real-world financial use cases. Featured image from Getty Images, chart from Tradingview.com
In the evolving landscape, the narrative around XRP’s real use case is increasingly standing out in a market often driven by speculation. The altcoin is embedded in live financial workflows, particularly in cross-border payments and liquidity management. Its role as a bridge asset allows institutions to move value quickly, cheaply, and at scale, solving real inefficiencies in the global payments system. Why XRP Functions As A Bridge Asset In Global Payments This design choice is centered on understanding why its utility will drive price appreciation. An analyst known as SMQKE revealed on X that the core of this model is payment utility. XRP is designed to operate within the global payment infrastructure, and Ripple has integrated with existing financial systems to enhance speed, reduce costs, and improve settlement efficiency. Related Reading: Pundit Shares ‘Urgent Update’ With XRP Community – Here’s What He Said Through Ripple’s integrations, financial institutions adopt the network, and the altcoin is utilized directly to move value across borders. From a price perspective, this document outlines how institutional settlement activity has created a sustainable demand for XRP, supporting price appreciation through real transaction flow. Analyst Vet has highlighted the areas where XRP and the XRP Ledger were great in 2025. One is smart contracts, and a significant amount of development went into getting the alpha testnet live, where individuals can currently deploy and play around with it. Community awareness toward this also increased meaningfully. On the DeFi front, momentum came out strongly from late 2024, especially driven by meme coins. However, the activity dried out over the year. Baseline DEX activity is now higher than it was before the DeFi wave, but this raises the potential for more growth in 2026. Furthermore, interoperability has made tangible progress as Wormhole went live, Axelar live became operational, and yield-bearing issued assets were bridged onto the XRPL. Currently, Zero-Knowledge Proofs (ZKP) appear to be a key enabler for trust-minimized bridging. On the application side, existing XRPL projects and wallets doubled down. Apps became more polished, with new feature-rich and better integrations, while no new app took over the community. At the same time, tokenization stood out as one of the strongest verticals. RLUSD was a major milestone, complemented by smaller launches of other stablecoins and tokenized funds. The distribution channel of these assets needs a lot of work, which directly ties back to application-layer development. That’s why this year should be viewed as the foundation for 2026. How Fee Destruction Changes Economic Incentives Ripple’s XRP is designed to compete in low-fee markets and has built programmable economics. According to Xfinancebull, every transaction fee is destroyed; it is not paid to validators, no middleman, and there is no inflation loop. Related Reading: Flare Launches New Way For XRP Investors To Earn This is because XRPL is designed to scale global payment rails, not enrich toll collectors. That’s why XRP is one of the few chains where volume is value, not congestion. Xfinancebull stated that this isn’t a trading feature, but it’s a monetary policy shift hidden at the protocol layer. Featured image from Pxfuel, chart from Tradingview.com
Comments from Galaxy Digital’s leadership have looked into what ultimately sustains value in the crypto market. In a recent YouTube discussion centered on 2026 expectations for Bitcoin, crypto, and artificial intelligence, Galaxy Digital CEO Mike Novogratz and Head of Research Alex Thorn singled out XRP and Cardano, questioning whether even the strongest communities can survive if real usage fails to expand when users have a vast number of alternatives to choose from. Galaxy Digital Leadership Raises Questions About Community Versus Utility During the YouTube discussion, Mike Novogratz presented the utility debate through the lens of capital allocation. He explained that the real question is what an investor chooses when presented with many viable options. If capital can flow into something like SpaceX, then crypto assets must compete on similar grounds. Related Reading: Charles Hoskinson Reveals What XRP And Cardano Are Already Doing 100x Better He acknowledged that XRP and Cardano both have deeply committed communities, but questioned whether that loyalty can be sustained if users do not see any real utility with those ecosystems. “Can Ripple hold it together? Can Cardano hold it together?” Novogratz said. In drawing comparisons, Novogratz referenced Charles Hoskinson, noting his success in maintaining Cardano’s community over time despite it being a “blockchain that people don’t really use a lot.” He made similar observations about XRP’s following, which has a strong community. However, he posed a direct question about sustainability: “Can you keep it together when there are more and more options?” Recent crypto market dynamics have caused capital flows to become more selective. Developers and teams behind blockchain ecosystems all know this, and this is why there has been a race to demonstrate usage, revenue models, or clear value flows tied directly to their tokens. According to Novogratz, that doesn’t happen overnight. It’s probably a year-long process, not a one to three-month process. Cardano And XRP Proving Real-World Relevance The questions raised during the Galaxy Digital discussion arrive at a time when both Cardano and XRP are actively trying to strengthen their utility narratives. Recent events have seen Cardano attempting to reinforce its practical relevance through initiatives like the Midnight sidechain. Midnight is a privacy-focused Cardano sidechain network designed to support confidential smart contracts and selective data disclosure. Related Reading: Flare Launches New Way For XRP Investors To Earn Midnight is intended as a way to attract enterprise and institutional use cases that require compliance-friendly privacy, an area where public blockchains have traditionally struggled. XRP, on the other hand, is taking a different path through Ripple’s hard work to increase the utility of the XRP Ledger. Ripple has been expanding utility around Ripple USD (RLUSD), its US dollar-backed stablecoin, including broader deployment across multiple Layer-2 networks. Ripple has also been on a partnership spree this year in moves to strengthen the utility of the XRP ecosystem, with about $4 billion spent on major acquisitions in 2025. The company also recently partnered with Doppler Finance to explore collaboration in XRP-based yield infrastructure and real-world asset (RWA) tokenization on the XRP Ledger, which is another added utility. Featured image from Pxfuel, chart from Tradingview.com
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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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
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
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
Ripple’s RLUSD stablecoin is rapidly expanding on Ethereum rather than the company’s native XRP Ledger (XRPL). According to CryptoSlate data, RLUSD’s total circulating supply has surged to $1.26 billion within 12 months of its launch. Of this, roughly $1.03 billion, or 82% of the total supply, resides on Ethereum, while the $235 million balance is on […]
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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
For more than a decade, the XRP Ledger (XRPL) has, for one reason or another, stood apart from the rest of the blockchain industry. Built in 2012, long before the rise of modern DeFi, it embraced a minimalist design of fast settlement, deterministic consensus, and no economic incentives for validators. That architecture helped XRPL grow […]
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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
Ripple’s newest funding round landed with unusual force for a company long defined by court battles and contested narratives. On Nov. 5, the firm announced a $500 million strategic investment at a $40 billion valuation, backed by funds associated with Citadel Securities, Fortress Investment Group, and Brevan Howard. These are traditional financial institutions that rarely […]
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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
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
According to reports, Evernorth — a Ripple-backed treasury firm — has agreed to merge with Armada Acquisition Corp II and plans to list under the XRPN ticker. Related Reading: Forget Billions—XRP Could Hit Trillions, Leading Expert Says The SPAC deal aims to raise $1 billion to build what Evernorth calls a large XRP treasury. Ripple and co-founder Chris Larsen contributed XRP to the project. Nine days after the SPAC announcement, reports said Evernorth had already received $1 billion worth of XRP. The merger is targeted to close in Q1 2026. On Contributions & Cash Buying Because the early inputs were paid in XRP rather than cash, immediate upward pressure on exchange order books did not happen. Market purchases require fiat or cash to be placed into public markets. SBI’s announced $300 million cash pledge is one example of money that could be used to buy XRP outright. But so far most of the headline amounts are XRP moved into a treasury, not fresh cash hitting exchanges. It is my understanding the new @evernorthxrp venture will raise $1BN through XRP direct investment, as announced and as we’ve seen on the chain. So you thinking “how will that affect open market XRP?”. Let me explain. There next plan is to IPO on stock exchange. This will raise… — Vincent Van Code (@vincent_vancode) October 27, 2025 Analyst Signals Incoming ‘Shock’ Vincent Van Code, a software engineer and active voice in the XRP community, told followers on X that the bigger event may still be ahead. He said the IPO itself could bring billions in new cash. If those funds are later used to buy XRP on the open market, he warned, existing supply could tighten and a “supply shock” might follow. Van Code did not offer a fixed timetable. Other commentators, including a market voice known as Nietzbux, have already framed the development as strongly bullish for XRP. Why The Timing Matters Based on reports, the sequence is what could change prices: cash raised first, then purchases on public markets. If that order is reversed — cash arrives and large buys follow quickly — liquidity could be tested. Exchanges have varying depth. A single large buyer can move prices more in thin markets than in thick ones. That is simple market mechanics. It is also why some community members are watching the SPAC schedule closely. There will come a time where XRP and XRPL is just where you keep most of your wealth. That is called Treasury. Hint hint. — Vincent Van Code (@vincent_vancode) October 17, 2025 Related Reading: Dogecoin Flashback: Mirror Move Hints At Record-Breaking Surge XRP’s Role And The Broader Narrative A number of developers and analysts now speak of XRP not only as a payment bridge but also as a treasury asset inside the XRPL ecosystem. Van Code suggested that a time may come when people keep a big share of their wealth in XRP and on the XRP Ledger. Ripple’s CTO David Schwartz has emphasized similar ideas about self-custody and on-ledger utility. Those themes are being reused as part of the argument for long-term demand. Featured image from Gemini, chart from TradingView
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
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 […]
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For nearly five years, XRP was the crypto token that couldn’t shake its courtroom shadow. This resulted in its price stagnating, exchanges delisting it, and institutional desks quietly stepping away as the US Securities and Exchange Commission (SEC) pursued Ripple Labs over allegations of unregistered securities sales. During that time, other assets sprinted ahead. Bitcoin […]
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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
Loyalty points are worth billions, but most never leave the accounts they’re earned in. Webus International, an XRP-focused treasury company, wants to change that. Last week, the Nasdaq-listed firm announced plans for a tokenized travel-reward exchange powered by the XRP stablecoin system. According to the press statement, the Singapore-based firm is targeting the global loyalty […]
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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
David Schwartz, one of Ripple’s longest-serving figures, announced on Sept. 30 that he will step down as Chief Technology Officer after more than thirteen years in the position. Schwartz, who joined Ripple in its early days and became one of the most recognizable voices in the XRP community, said the decision followed what he called […]
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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
Tokenization platform Securitize is looking to integrate with the XRP Ledger (XRPL), a step that could bring BlackRock’s USD Institutional Digital Liquidity Fund (BUIDL) directly onto the blockchain network, according to a Sept. 23 statement. This impending move signals a deepening link between institutional finance and blockchain infrastructure, while also expanding XRPL’s presence in the […]
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