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In a significant development for blockchain-based real estate, the United Arab Emirates has selected Ripple’s XRP Ledger (XRPL) to power its real estate tokenization initiative, signaling a major step forward in XRP adoption across the region.

XRPL Powers First Real Estate Tokenization Project in MENA
The initiative, which now includes over 3,000 registered investors, marks the first real estate tokenization program in the MENA region and is currently available exclusively to Emirates ID cardholders who are official UAE residents.

Announced by Mahmoud AlBurai, a senior executive at the Dubai Land Department (DLD), the pilot program has garnered substantial interest, with many participants already on the waitlist. According to AlBurai, the trial network for tokenization is based entirely on XRPL, suggesting Ripple’s blockchain is at the core of this government-backed effort.

Government Partnership and Tokenized Property Ownership
The DLD has partnered with Prypco Mint and Ctrl Alt to digitize and tokenize ownership deeds for government-owned real estate. This collaboration aims to eventually enable investors to purchase fractional ownership in tokenized property — a game-changing concept in real estate accessibility and liquidity.

Although the current phase is limited to UAE nationals and residents, the program’s potential for broader expansion remains an open question, especially given Ripple’s expanding ecosystem of real-world asset (RWA) integrations.

Ripple’s Real-World Asset Strategy Gains Momentum
Ripple’s role in tokenizing real-world assets on XRPL has grown significantly in recent years. Notable investments include:
$10 million into tokenized U.S. Treasury bills via OpenEden
$5 million in a tokenized money market fund launched by UK-based Abrdn
The addition of real estate to Ripple’s tokenization portfolio further enhances XRPL’s institutional appeal, especially in regulated sectors.

Institutional Onboarding Accelerates in the UAE
Following its regulatory approval from the Dubai Financial Services Authority (DFSA), Ripple has started onboarding financial institutions into its Ripple Payments infrastructure — a move that complements the expanding utility of XRP and RLUSD within high-value financial ecosystems.
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Ripple, the leading provider of digital asset infrastructure for financial institutions, today announced that
Ripple USD (RLUSD) has been integrated into Ripple’s flagship payments solution, Ripple Payments, further driving enterprise utility and demand for the asset.
RLUSD is an enterprise-grade, USD-denominated stablecoin created with trust, utility, and compliance at its core – backed by Ripple’s years of experience working with both crypto and traditional finance. In tandem, RLUSD is nearing $250M in market capitalization marking unprecedented adoption since its launch in mid-December 2024.
Powering cross-border payments with RLUSD and Ripple Payments
Today, Ripple has enabled RLUSD cross-border payments in its flagship payments solution, which processes billions of dollars in volume. Unlike many stablecoins, which are designed for retail use, RLUSD has built-in global enterprise utility to improve the speed and efficiency of cross-border payments.

Ripple is combining years of expertise in payments, an extensive payout network with near-global coverage, and a high-quality, stablecoin built with compliance at its core, to provide fast, low-cost and scalable cross-border payments. Today, RLUSD is being used in the payment flow with select customers, including cross-border payment providers BKK Forex and iSend to improve their cross-border treasury operations. Over time, Ripple will also expand the use of RLUSD for our payments customers.
RLUSD Nears $250M Market Capitalization; available today on Kraken
Since launching in December 2024, RLUSD has experienced strong global adoption, nearing $250M in market capitalization and $10B in trading since launch, demonstrating demand for an enterprise-grade, compliance-first USD-backed stablecoin.
Ripple is continuing to work with top-tier partners around the world to make RLUSD globally available. In addition to partners and exchanges LMAX Digital, Zero Hash, Bitstamp and Bullish, today RLUSD is now available on Kraken, one of the world’s longest-standing crypto exchanges, further extending access and availability to retail users.
“We're seeing the market cap continue to grow, outpacing our internal projections. In short order, RLUSD is being used for a number of use cases, including use as collateral in both crypto and tradfi trading markets. New exchanges are listing RLUSD on an ongoing basis and we're actively working with NGOs who see the opportunity to streamline giving through stablecoins,” said Jack McDonald, SVP of Stablecoins at Ripple. “We’re additionally excited to enable RLUSD in Ripple Payments, extending the breadth of stablecoins available in our cross-border payments solution.”

RLUSD is ideal for a number of financial use cases, allowing enterprises to:
Facilitate instant settlement ofcross-border payments.Access liquidity for remittance and treasury operations.Seamlessly integrate with decentralized finance (DeFi) protocols.Reliably bridge between traditional fiat currencies and the crypto ecosystem, ensuring a seamless and efficient transition when entering (on-ramping) or exiting (off-ramping) the crypto space.Provide collateralization for tradingtokenized real-world assets such as commodities, securities, and treasuries onchain.
RLUSD sets the standard for stablecoins, combining innovative functionality with the regulatory rigor and credibility of an NYDFS-issued New York limited purpose trust company, further highlighting Ripple’s leadership in fostering trust and transparency in digital assets.
Source: Ripple
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Despite strong fundamentals, XRP’s price remains underwhelming — but some experts say this could be a sign you’re still early.
XRP has struggled to gain price momentum, even as Ripple continues to announce major global partnerships and infrastructure integrations. While some investors are growing impatient, others argue this could be the perfect moment to dig deeper into what XRP truly represents.
The Frustration Is Real — But So Is the Opportunity
XRP’s recent performance has been mixed. While the token has gained about 5.12% in the past month, it's still down 27% over the last 90 days. Many had hoped recent developments — including regulatory clarity and Ripple’s expanding global footprint — would send XRP soaring. Instead, the market response has been muted, fueling doubt and disappointment across the community.
The Problem Isn’t XRP — It’s the System
XRP commentator "All Things XRP" urges investors to stay focused on the bigger picture. Citing a recent interview with Eric Trump on CNBC, he highlighted how outdated and inefficient the traditional banking system has become. Trump described SWIFT as a “disaster” and criticized the slow, expensive nature of legacy finance — from delayed wire transfers to mortgage processing times that can stretch into months.
These comments echo the core mission behind XRP: to provide a faster, cheaper, and more transparent alternative. Decentralized finance, and XRP specifically, offers real solutions to problems that have plagued the financial system for decades.
Ripple and XRP: Fixing What’s Broken
Ripple, through the XRP Ledger, aims to disrupt the very infrastructure that slows global finance today. From enabling instant cross-border payments to facilitating asset tokenization, XRP stands as a symbol of the financial future — one that’s still in the making.
“All Things XRP” reminded followers that they’re not just holding a token; they’re holding a stake in that future. The journey may be slow, but the destination is potentially transformative.
Early Investors Need Patience, Not Panic
The key message from the community: be patient. Some speculate that the market’s lack of response is intentional — a strategy to shake out short-term investors. Whether or not that’s true, one thing is clear: understanding what you’re holding is more important than ever.
This isn’t the time to give up. It’s the time to see XRP for what it could become.

Disclaimer: This content is for informational purposes only and does not constitute financial advice.

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XRP or XLM: Which is Best to Replace SWIFT? Grok AI and ChatGPT Share Shocking Results

In the evolving landscape of global finance, the traditional SWIFT system—a mainstay in cross-border banking for decades—is increasingly viewed as outdated. As blockchain technology matures, two digital assets have emerged as frontrunners to revolutionize international payments: XRP from Ripple and XLM (Stellar Lumens). But which one is truly best suited to replace SWIFT?

To settle the debate, we ran an experimental analysis using Grok AI and ChatGPT, two of the most advanced AI models today. The results? Surprisingly divergent, and shockingly insightful.

XRP: The Corporate Favorite

Ripple Labs’ XRP is a digital asset designed specifically for banks and financial institutions. It boasts:

High-speed transactions (3–5 seconds)

Ultra-low fees

Liquidity on demand via RippleNet and ODL (On-Demand Liquidity)

Partnerships with over 300 financial institutions globally

Grok AI’s Verdict on XRP:
"XRP holds an edge due to its mature enterprise-grade infrastructure. Its ability to settle cross-border payments in seconds, coupled with regulatory traction in key markets, makes it the strongest contender to replace SWIFT."

Grok AI emphasized Ripple’s integration with real-world banks as a defining factor, arguing that institutional trust will be pivotal in replacing legacy systems like SWIFT.

XLM: The People's Network

Stellar, on the other hand, was designed with inclusivity in mind. Built as a fork of Ripple, XLM targets individuals, remittance services, and underserved markets rather than banks.

Key features:

Fast and cheap transactions

Focus on financial inclusion

Partnerships with NGOs and fintech firms

Integration with MoneyGram and USDC

ChatGPT’s Verdict on XLM:
"While XRP serves institutions, XLM empowers individuals. For a decentralized future that democratizes finance, XLM presents a more adaptable and scalable alternative to SWIFT—especially in developing nations."

ChatGPT highlighted Stellar’s role in facilitating peer-to-peer transfers, mobile banking access, and stablecoin integration as reasons it could scale more broadly in emerging economies.

Shocking Twist: Both May Coexist

The most surprising outcome from both AIs? A dual-system future.

Both Grok and ChatGPT agreed—independently—that the global financial ecosystem may not crown a single winner. Instead, XRP and XLM could coexist, with XRP handling institutional liquidity transfers and XLM dominating retail remittances and microtransactions.

Conclusion: Ripple and Stellar Are Both Key to a Post-SWIFT World

The AI consensus is clear: replacing SWIFT is not a matter of "either-or" but "when and how." XRP and XLM are two sides of the same coin—one institutional, one inclusive—each poised to disrupt global finance in their own domain.

As blockchain adoption accelerates, the transition away from SWIFT may be led not by one, but by a collaborative ecosystem of digital assets—and both XRP and XLM are already paving that path.

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#XLM
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XRP, the native token of the XRP Ledger (XRPL), has long been at the center of conversations about global finance and blockchain’s future role in cross-border transactions. A new speculative scenario has recently sparked interest among investors: What would XRP's price look like if the XRP Ledger were to process 30% of Hidden Road's massive $1.5 trillion annual volume?

Let's break it down.

Hidden Road: The Silent Giant
Hidden Road, a relatively low-profile yet highly influential prime brokerage platform, quietly supports a massive trading ecosystem. With an estimated $1.5 trillion in annual volume, it caters primarily to institutional clients, offering services in digital assets, FX, and more.

The idea of even a fraction of that liquidity moving through XRPL opens up a wide horizon of possibilities for XRP’s valuation.

XRPL: Built for High-Volume Transactions
Unlike many blockchains that struggle with scalability, XRPL was designed specifically for fast, cheap, and reliable settlement. Its consensus mechanism can handle thousands of transactions per second at negligible cost — making it a perfect candidate for large-scale financial infrastructure needs.

If Hidden Road were to integrate XRPL for settlement purposes — even for just 30% of its flows — the impact on XRP demand could be enormous.

Crunching the Numbers
Here's a simple projection:
30% of $1.5T = $450 billion annual volume.

Assuming that XRPL transactions require a certain amount of XRP liquidity to settle transactions, a conservative liquidity turnover rate of 10 times per year (i.e., XRP moves 10 times to process that amount) would suggest the network would need $45 billion worth of XRP liquidity at any given time.

Now, XRP’s circulating supply currently sits around 54 billion tokens.

$45 billion / 54 billion XRP = ~$0.83 per XRP to meet liquidity needs.

However, that’s only considering basic liquidity — not speculative demand, staking, reserve holdings by institutions, or decreased circulating supply from potential lockups.

Factoring in typical market behaviors — multiples on liquidity demands and increased speculative interest — prices could easily scale 5x to 10x higher. That means a realistic speculative target would be:

$4 to $8+ per XRP, assuming the integration drove sustained adoption and investor confidence.

Key Factors That Could Boost XRP Even Higher
Network Effects: As more institutions trust XRPL for settlements, other firms may follow.

Reduced Selling Pressure: If XRP holders lock tokens into liquidity pools or institutional custody, effective supply decreases.

Burn Mechanics: XRPL burns a small amount of XRP per transaction, which over massive volumes would further shrink supply over time.

Increased Use Cases: Integration into broader financial systems (DeFi, tokenized real-world assets) could further lift demand.

Final Thoughts
While this scenario is highly speculative and depends on several moving parts — such as regulatory clarity, technological integration, and institutional adoption — it paints a compelling picture of how real-world usage could dramatically impact XRP’s valuation.

If Hidden Road — or any other financial giant — were to push significant volume through XRPL, XRP's price would almost certainly see a substantial boost.

As always, investors should approach such projections with caution but keep an eye on emerging institutional partnerships and real-world utility metrics, which increasingly seem to be the true drivers of value in the evolving crypto landscape.
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Ripple (XRP) 2025 Growth Prospects Fail to Excite, While This Coin’s 5700% Prediction Sends Investors Scrambling.

The massive selling activity from Ripple (XRP) whales has reached $800 million during early April which has pushed the price down to unstable $2.08 levels. The rise in exchange inflows reflects twice the number of new sales coming into the market. Mutuum Finance (MUTM) attracts widespread enthusiasm through its presale funding drive which has gathered $6.9 million while acquiring 8,400 token holders. 

The current token price in Phase 4 stands at $0.025 while all investors should prepare for the upcoming 20% price increment to $0.03 during Phase 5. Many investors rush to obtain tokens because they sense the tokens will deliver a 5,700% profit once the platform launches. The cryptocurrency world shows XRP heading slowly compared to the hyped-up potential of Mutuum Finance (MUTM). The dissimilar approaches between these blockchain platforms establish conditions to evaluate their projected 2025 evolution patterns.

Ripple (XRP) Struggles Persist 

Whale selling activities remain a major challenge that causes Ripple (XRP) to struggle in the market. The mass movement of 131 million XRP worth a total of $273 million has caused panic about additional selling pressure. The technical indicators display warning signals because XRP’s inability to surpass $2.17 makes the coin vulnerable to reach levels between $1.90 and $1.55. Ripple (XRP) could experience a market rally according to the MACD indicator even though the RSI signals potential overselling conditions. 

In addition to U.S.-China trade tensions and the wobbling stock market XRP faces external pressures from these market forces. ETC approval remains uncertain because of ongoing regulatory challenges that risk impeding its market entry. Hedgers have started investing in projects driven by recognizable momentum because they want to achieve high returns.

Mutuum Finance (MUTM) Presale Ignites  

Mutuum Finance (MUTM) enters the spotlight through its Phase 4 presale event priced at $0.025. Investors take advantage of the current market opportunity because they expect that Phase 5 will boost the price from $0.03 to $0.03 delivering immediate value appreciation for those who hold tokens currently. The tokenomics system within MUTM ensures return of 140% profit when the exchange lists at $0.06. 

The market anticipates the token to reach $3.50 after launch stage which represents a 5700% increase from its current value of $0.025. The present $1,000 investment could grow to become $57,000 over the next five years. The team works to build credibility by completing a CertiK smart contract audit which will be released on social media platforms. Current and potential buyers show increasing interest because Mutuum Finance (MUTM) promotes open auditing which signals an approaching sell-out of Phase 4.

Innovative Incentives Drive Demand 

Mutuum Finance (MUTM) introduced an innovation through their new dashboard showing the leading 50 holders who get bonus tokens by staying in their positions. Competitive pressure rises when the leaderboard system is introduced which motivates holders to keep their assets. Steady demand exists because the project buys tokens on the market using platform revenue to execute repurchase operations. 

Tokenomics within Mutuum Finance (MUTM) deliver predictable value through its structured system unlike Ripple (XRP) which depends on external market conditions. Investors keep their faith strong given that the presale collected $6.9 million from the sale of 412 million tokens. Phase 4 consumption time reduces the time available for investors to purchase tokens at their current price of $0.025.

What Next?

The future of Ripple (XRP) remains uncertain because market turbulence along with massive sales to whales have created conditions for unclear market direction. Mutuum Finance (MUTM) shows great promise because investors believe in its projected 5700% increase. The current price of $0.025 during Phase 4 will vanish soon before MUTM jumps to a new level at $0.03.

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The recent $500 million investment into the Solana ecosystem has reignited discussions across the XRP community: When will XRP get its own dedicated investment strategy? As capital continues to pour into other blockchain networks, questions mount about XRP's positioning in the evolving crypto investment landscape.
Solana’s Big Moment
The latest funding round for Solana has sent shockwaves through the crypto world. With $500 million committed to ecosystem growth, infrastructure, and decentralized apps, the move signals strong institutional confidence in Solana’s future. Venture firms and strategic investors are betting big on its scalability, low transaction fees, and growing developer interest.
“Solana is no longer just a competitor—it’s a magnet for serious capital,” noted crypto analyst Erica Thompson. “This kind of funding isn't just money—it's validation.”
XRP: Still Waiting for Its Turn
While XRP remains a top-10 cryptocurrency by market cap, the lack of a large-scale, organized investment strategy has some in the community concerned. Bitcoin has multiple ETFs, Ethereum has institutional staking products, and now Solana is receiving massive ecosystem backing. XRP, despite its unique use case in cross-border payments, hasn't attracted the same type of institutional push—at least, not yet.
XRP’s ongoing regulatory journey with the U.S. SEC has been a key factor holding back institutional confidence. Although Ripple Labs has seen partial legal victories, a lingering cloud of uncertainty remains.
“The potential is there,” said blockchain strategist Marcus Lin. “But investors want legal clarity. Once that’s achieved, we could see a cascade of strategic interest similar to what we’ve seen with Solana.”
Community Speaks Out
Across social platforms like X (formerly Twitter), XRP supporters are urging Ripple and other major stakeholders to develop a bold, ecosystem-wide strategy. From venture funding and startup incubators to DeFi incentives and strategic partnerships, the XRP Army wants to see their ecosystem level up.
“We need to stop waiting for approval and start building,” tweeted one user. “Solana’s rise shows what’s possible when vision meets capital.”
What Would an XRP Strategy Look Like?
Experts suggest that a dedicated XRP investment strategy could include:
Ecosystem Development Funds: Direct funding to developers building on the XRP Ledger.
DeFi and NFT Incentives: Grants and liquidity programs to support decentralized finance and digital collectibles.
Strategic Partnerships: Collaborations with fintech and remittance firms to expand real-world usage.
Institutional Products: Paving the way for XRP-based ETFs or structured investment vehicles.
Looking Ahead
The XRP community is at a crossroads. With regulatory clarity on the horizon and the global push for efficient payment systems, XRP could be poised for its own breakout moment. But without a coordinated investment strategy, it risks falling behind in a fast-moving race.
“As soon as the legal fog clears, I expect XRP to become one of the hottest assets on institutional desks,” said Thompson. “The real question is—who will lead the charge?”
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