The main dishes to remember:
-
XRP won 30% last week, stimulated by the increase in institutional interests and deep commercial liquidity, now the third largest crypto by market capitalization.
-
The alignment of Ripple with ISO 20022, a new standard of financial messaging, and its stablecoin (Rlusd) support a pivot towards the financial integration of the real world.
-
Public companies are starting to treat XRP as an asset of the Treasury, signaling a passage from speculation to the strategic allocation.
Ripple’s XRP (XRP) token could be the most intriguing cryptocurrency on the market. Often dismissed for lack of clear use cases, he quietly climbed to become the third largest cryptocurrency by market capitalization, now at 168 billion dollars. During the last week only, XRP has won more than 30%, surpassing both Bitcoin (BTC) (+ 10%) and ether (ETH) (+ 21%).
What motivates this increase? A mixture of strong liquidity, a faithful community and, above all, alignment with the growing institutional account. As this Haussier market is increasingly motivated by traditional finance, XRP is in the right place at the right time.
XRP finds a niche
There is a widespread feeling in the cryptographic community that XRP has never “won” its high -level status. XRP Ledger is an authorized blockchain designed for interbank establishments, now used by a number of prominent banks. However, the most popular XRPL products do not require XRP himself, which makes his Tokenomic questionable.
Some web3 projects are currently built on XRPL. However, their scale is without consequence compared to the main intelligent contract platforms such as Ethereum or Solana, partly due to the lack of programmability of XRPL.
That said, the 2025 cycle does not concern web3 media threshing. These are institutional adoption, regulatory clarity and capital flows. And this is where Ripple, and by XRP extension, are positioned uniquely.
Institutional ambitions of Ripple
On July 1, the American federal reserve adopted ISO 20022, a new global standard for financial messaging. This follows similar movements by other major global payment networks such as Swift. Ripple has been aligned with this standard since 2020, when it has become the first DLT company to join the ISO 20022 organization. This positioning can now bear fruit.
Flying Technologies, a Fedwire technology supplier, recently confirmed that institutions using its Fedwire-As-A-Service product can choose XRP for regulations. This connection – Ripplenet Plus ISO 20022 Plus Fedwire – produces a ramp for the use of the XRP of the real world in regulated financial infrastructure.
In addition, Ripple is well positioned to benefit from the growth of the Stablescoin market. In December 2024, the company launched Rlusd, a stablecoin at a point of a dollar which has since exceeded a market capitalization of $ 517 million. To cement its compliance, on July 2, the CEO of Ripple Labs, Brad Garlinghouse, confirmed that the company had asked for a charter of the National Bank of the OCC. Earlier, Ripple Labs also asked for a main FED account with the Standard Guard, a company it acquired in February 2024. If it is approved, this would allow Ripple to maintain Rlusd directly with the Fed.
XRP is an “easy trade” with an increasing strategic interest
There may not be a clear roadmap for XRP (again?), But the market clearly values Ripple’s ambitions. XRP’s current daily trading volume exceeds $ 11 billion, more than double bitcoin when adjusted for market capitalization. Its open interest is now at a record of $ 8.1 billion, which suggests a sustained speculative dynamic.
High liquidity and depth of volume, as well as the behavior of XRP – extending behind BTC, then quickly catching up – make XRP a relatively “easy” exchange in crypto.
However, what is new is the transition from pure speculation to strategic investment. Several public companies build XRP treasury bills. Trident and Webus, classified in Nasdaq and announced its intention to allocate $ 500 million and $ 300 million, respectively, to XRP reserves. Small businesses like Vivopower and Welgistics Health, also listed on the Nasdaq, also joined, planning to buy $ 121 million and $ 50 million in XRP respectively.
Although these allowances are still minor compared to $ 102 billion in Bitcoin in corporate assets, they mark an important trend: XRP framing as treasury and settlement goods. If these companies go beyond the outfit and start using XRP for cross -border payments – as Webus hears – a real synergy could emerge.
The institutional push of XRP continues through the ETFs. On July 14, the NYSE approved the list of the ultra XRP proshares, based on XRP’s term contracts. Although less impactful on the price than a spot fund, it indicates an increasing institutional interest. The American sec is always deliberate on the approval of the XRP ETF.
Meanwhile, Canada is one step ahead. On June 18, the ETF SPOT XRP of 3iq (XRPQ and XRPQ.U) began to be negotiated on the Toronto Stock Exchange, rapidly raising more than $ 50 million in AUM, the company announced on X.
In relation: Clarity Act is not perfect, but it is the bill that the Congress that we must adopt this summer
Whether or not the usefulness of XRP justifies its evaluation, Ripple’s positioning clearly resonates with the market. Ripple has dug a story in accordance with the regulation and institutional taste – something that most cryptographic projects have trouble carrying out.
As Cosmo Jiang, general partner of Pantera Capital said in an interview:
“I think that the reason why XRP could succeed is because, beyond the understanding of many people in crypto, including myself, XRP has a really very strong follow-up. There are a lot of social media influencers who are really in XRP, there are many large conscience of traditional institutions and finances.”
In an increasingly defined market by perception, positioning and access – not just code – the rise of XRP could say more about the future of the crypto than its criticisms do not want to admit it.
This article does not contain investment advice or recommendations. Each investment and negotiation movement involves risks and readers should conduct their own research when they make a decision.
