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XRP: A Practical Digital Asset for the Institutional Financial Era
As the native token of the XRP Ledger (XRPL), XRP has positioned itself as a "neutral bridge asset" connecting traditional finance and blockchain since its inception in 2012. Its core advantage lies in its extreme transaction efficiency—settlements can be completed in 3-5 seconds, with a transaction fee of only $0.0002, and it can handle 1,500 transactions per second, far surpassing traditional SWIFT systems and similar assets like Bitcoin.
The year 2025 is a critical turning point for XRP. In August, Ripple reached a $125 million settlement agreement with the U.S. SEC, ending a four-year legal battle and clarifying that its secondary market trading is not classified as a security, clearing a major obstacle for institutional entry. Subsequently, Ripple formed Ripple Prime by acquiring Hidden Road to create institutional-level prime brokerage services, promoting partnerships with giants like DBS Bank and Franklin Templeton to launch tokenized money market fund sgBENJI, extending XRP's application into asset tokenization and collateral financing.
Currently, RippleNet has connected over 300 financial institutions across six continents, and its On-Demand Liquidity (ODL) service has reduced cross-border payment costs by 90%, unlocking significant amounts of trapped liquidity. Its stablecoin RLUSD has surpassed a market capitalization of $1 billion, and collaborations with Mastercard and others have enabled near-instant settlement for credit card payments on the blockchain. Institutional adoption continues to accelerate, with nine asset management companies having submitted applications for a spot XRP ETF, and Bloomberg predicts that the related ETF could bring in $5-7 billion in capital inflows.
In terms of price, XRP has stabilized above $2.6, nearing the key resistance level of $2.75, with a 24-hour trading volume previously spiking to $5.42 billion. Despite facing challenges such as ETF approval delays and short-term volatility caused by whale transactions, the launch of native smart contracts on XRPL will expand its DeFi application scenarios. With increased regulatory transparency and deeper institutional applications, XRP is transitioning from a speculative asset to a key component of global financial infrastructure, demonstrating long-term value potential in cross-border payments, debt restructuring, and asset tokenization. #XRP
As the native token of the XRP Ledger (XRPL), XRP has positioned itself as a "neutral bridge asset" connecting traditional finance and blockchain since its inception in 2012. Its core advantage lies in its extreme transaction efficiency—settlements can be completed in 3-5 seconds, with a transaction fee of only $0.0002, and it can handle 1,500 transactions per second, far surpassing traditional SWIFT systems and similar assets like Bitcoin.
The year 2025 is a critical turning point for XRP. In August, Ripple reached a $125 million settlement agreement with the U.S. SEC, ending a four-year legal battle and clarifying that its secondary market trading is not classified as a security, clearing a major obstacle for institutional entry. Subsequently, Ripple formed Ripple Prime by acquiring Hidden Road to create institutional-level prime brokerage services, promoting partnerships with giants like DBS Bank and Franklin Templeton to launch tokenized money market fund sgBENJI, extending XRP's application into asset tokenization and collateral financing.
Currently, RippleNet has connected over 300 financial institutions across six continents, and its On-Demand Liquidity (ODL) service has reduced cross-border payment costs by 90%, unlocking significant amounts of trapped liquidity. Its stablecoin RLUSD has surpassed a market capitalization of $1 billion, and collaborations with Mastercard and others have enabled near-instant settlement for credit card payments on the blockchain. Institutional adoption continues to accelerate, with nine asset management companies having submitted applications for a spot XRP ETF, and Bloomberg predicts that the related ETF could bring in $5-7 billion in capital inflows.
In terms of price, XRP has stabilized above $2.6, nearing the key resistance level of $2.75, with a 24-hour trading volume previously spiking to $5.42 billion. Despite facing challenges such as ETF approval delays and short-term volatility caused by whale transactions, the launch of native smart contracts on XRPL will expand its DeFi application scenarios. With increased regulatory transparency and deeper institutional applications, XRP is transitioning from a speculative asset to a key component of global financial infrastructure, demonstrating long-term value potential in cross-border payments, debt restructuring, and asset tokenization. #XRP
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.
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