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Ripple (XRP) is often referred to as a bank coin.
XRP was launched by Ripple in 2012 with a clear goal: to help banks and payment institutions conduct cross-border transfers faster and cheaper. The traditional SWIFT system is slow and has high fees, while XRP uses distributed ledger technology to achieve transfers in seconds at almost no cost. At one point, it collaborated with hundreds of banks globally, and news frequently reported on Ripple signing major deals. During the bullish market of 2017, XRP surged to a high of $3.8, entering the top three in market capitalization.
However, the good times did not last long. At the end of 2020, the U.S. SEC sued Ripple, stating that XRP is an unregistered security. This legal battle lasted for years, causing the price of XRP to be heavily suppressed, exchanges delisted it, and liquidity significantly decreased. It wasn't until a partial victory in court in 2023, which determined that secondary market trading is not a security, that XRP experienced a significant rebound.
Currently, its price hovers around $0.6, ranking in the top ten by market capitalization. Recently, there has been new activity; Ripple is pushing for a stablecoin, RLUSD, and is applying for a banking license, attempting to shift from payments to broader financial services. The on-chain trading volume remains stable, and the number of wallet addresses is increasing, with many institutions quietly stockpiling.
XRP is one of the few old coins with real use cases. The adoption process by banks is slow, but once regulation is completely clear, the potential is enormous. In the short term, it looks at $1, and in the medium to long term, if cross-border payments truly become widespread, returning to historical highs is not a dream. However, the aftershocks of the SEC case still linger, so do not overlook the risks. (Follow, like, and share to receive a BTC red envelope)
$XRP
{future}(XRPUSDT)