Every week, we deliver bite-sized insights into trending crypto assets.
In this edition of Crypto in Focus, we’re taking a closer look at XRP and the latest developments shaping its ecosystem.
Why XRP Still Matters
XRP remains one of the fastest and most efficient digital payment tokens. Built on the XRP Ledger (XRPL), it enables near-instant settlement with minimal fees. This makes XRP ideal for global payments and financial institutions seeking a scalable, cost-effective alternative to legacy banking infrastructure.
Banks are increasingly exploring XRP’s On-Demand Liquidity (ODL) solutions for cross-border transfers. In Japan alone, up to 80% of banks are expected to adopt XRP for payments by the end of 2025.
📈 Key XRP Developments in 2025
1) Institutional Adoption & Use Cases
Ripple continues to expand XRPL’s reach for institutional players. With EVM compatibility and tokenization support, XRP is becoming a go-to solution for faster and cheaper global transactions.
2) Strategic Moves & Partnerships
Ripple’s acquisition of Palisade strengthens its custody solutions, directly competing with major crypto custodians. Additionally, Ripple recently raised funds, valuing the company around $40 billion, reflecting strong investor confidence in its long-term roadmap.
3) Regulatory Momentum
Ripple CEO Brad Garlinghouse has been linked to the U.S. crypto advisory council under the Trump administration, potentially boosting regulatory clarity for XRP. However, legal and regulatory uncertainties still exist, including stablecoin and digital asset reforms.
4) Stablecoin Integration
Ripple’s stablecoin RLUSD is being integrated into payment platforms via partnerships with firms like Mastercard, expanding the XRP ecosystem beyond pure crypto trading.
Risks to Consider
- Regulatory uncertainties in the U.S. and globally could affect XRP adoption.
- Technical or operational delays may slow down ambitious projects like the XRPL EVM sidechain or institutional integration.
- High investor expectations mean volatility is possible if adoption or partnership milestones aren’t met.
Why Investors Are Bullish - and Cautious
- Bullish case: XRP has strong potential to bridge traditional finance and Web3 with fast payments, tokenization, and growing institutional interest.
- Cautious case: Delays in regulatory approvals or competition from other blockchains and stablecoins could slow growth.
Trade or Track XRP on Change
If you’re trading via Change App:
- Stay updated with price alerts and news for XRP.
- Consider both spot trading and, if available, CFDs depending on your risk appetite.
- Explore XRP-based projects and stablecoin integrations on the platform.
See you next week!
