Key Takeaways:
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The XRP gained 30% last week, strengthened by the increasing interest of the institutional and deep trade of trade, now the third-most largest crypto by the market cap.
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Ripple’s alignment with ISO 20022, a new financial messaging standard, and Stablecoin (RLUSD) supports a pivot towards combining the financial world.
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Public companies are beginning to treat XRP as a Treasury owner, which has signed a move from the speculation -haka to strategic allocation.
RIPPLE’S XRP (XRP) The token may be the most intriguing cryptocurrency in the market. Often removed due to the lack of clear use cases, it quietly climbed to become the third-largest cryptocurrency of the market cap, now at $ 168 billion. Just in the last week only, XRP has gained more than 30%, which further changes the same Bitcoin (Btc) (+10%) and Ether (Eth) (+21%).
What is driving this progress? A mixture of strong liquidity, an honest community, and most importantly, alignment with the growing institutional narrative. While this bull market is increasingly driven by traditional finances, XRP has found itself in the right place at the right time.
XRP found a niche
There is a widespread Feelings In the crypto community the XRP never “gained” its top-tier status. The XRP Ledger is a permission to blockchain designed for interbank organizations, which is now used by a number of well -known banks. However, the most popular XRPL products do not require the handling of the XRP itself, making the tokenomics a doubt.
There are several web3 projects currently being built on XRPL. However, their scale is not in accordance with the leading platforms of smart contracts such as Ethereum or Solana, in part due to the lack of XRPL programmability.
That said, the 2025 cycle is not about the web3 hype. It is about adopting institutions, regulation clarity, and capital flow. And that is where the ripple, and by extension XRP, is uniquely positioned.
Ripple’s ambitions
On July 1, the US Federal Reserve adopted ISO 20022, a new global financial messaging standard. It follows similar motions of other major global payment networks such as Swift. Ripple has been aligned with this standard since 2020, when it became the first DLT company to join the body of ISO 20022. That positioning could now pay.
Volante Technologies, a fedwire tech provider, recently confirmed that institutions using the Fedwire-as-A-Service product can select XRP for settlement. This connection-ribplenet Plus ISO 20022 with Fedwire-has made an on-ramp for use of real-world XRP in regulated financial infrastructure.
Moreover, the ripple is well positioned to benefit from the growth of the Stablecoin market. In December 2024, the company launched RLUSD, a dollar pegged stablecoin since exceeding a $ 517 million market cap. To cement its compliance, on July 2, Ripple Labs CEO Brad Garlinghouse confirmed that the company had applied for a Charter of the National Bank From the OCC. Earlier, the Ripple Labs also applied for a Fed Master Account with Standard Custody, a firm it obtained in February 2024. If approved, it would allow Ripple to hold Rlusd directly to the fed.
XRP is a “easy trade” with a growing strategic interest
It may not be a clear roadmap for XRP (yet?), But the market clearly appreciates Ripple’s ambitions. The current sun -sun volume of XRP trading exceeds $ 11 billion, more than double Bitcoin’s when it suits the market cap. Futures that are now open interest are standing at a record of $ 8.1 billion, suggesting a long -term -aware momentum.
High liquidity and depth of volume, along with XRP behavior – which shrinks behind the BTC, then quickly catchs – the XRP is quite “easy to trade” in crypto.
However, what’s new is the transition from pure speculation -haka to strategic investment. Many public companies build XRP Treasury. The NASDAQ has announced that the Trident and Webus listed plans to allocate $ 500 million and $ 300 million, respectively, in XRP reserves. Smaller companies such as Vivopower and Wellgistic Health, also listed in Nasdaq, also joined, planning to buy $ 121 million and $ 50 million of XRP, respectively.
While these allocations are still minor compared to the $ 102 billion of Bitcoin in corporate handling, they have marked an important trend: the Framing of XRP as a Treasurery and Reflection. If these companies are beyond handling and start using XRP for cross-border payments-like Webus’ plan-a true synergy may appear.
The institutional pushing of XRP continues through ETFs. On July 14, the NYSE approved the list of Proshares Ultra XRP ETF, based on XRP futures. While less affecting prices than a place fund, it signals a growing interest in the institutional. The US SEC is still intentionally approved by the spots XRP ETF.
Meanwhile, Canada is a step ahead. On June 18, the 3IQ spot XRP ETFS (XRPQ and XRPQ.U) announced In X.
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XRP utility justifies its appreciation, Ripple’s positioning clearly reflects the market. Ripple engraved one who followed the regulation, institutional narrative-something most of the crypto projects that struggle to achieve.
As Cosmo Jiang, general partner of Pantera Capital, said to a interview:
“I think the reason for the XRP can succeed is because, despite the understanding of many people in crypto, including myself, the XRP is really, really strong. Many social media influencers are actually in the XRP, many wide awareness in institutions and traditional finances.”
In a market that is further defined by understanding, positioning, and accessing – not just code – XRP increases can be said more about the future of crypto than the protection of critics to admit.
This article does not contain investment advice or recommendations. Every transfer of investment and trading involves risk, and readers should conduct their own research when deciding.
