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XRP finds its niche

There is a sentiment that XRP never 'deserved' its status among the giants. The XRP Ledger is a permissioned blockchain focused on interbank settlements, already used by several major banks. However, most of the popular products on the XRPL do not require the use of XRP itself, which puts its tokenomics in question.

Some Web3 projects are currently being developed on the XRPL. Still, its scale is insignificant compared to leading smart contract platforms like Ethereum or Solana, partly due to the lack of programmability of the XRPL.

That said, the 2025 cycle does not revolve around the hype of Web3. The focus is on institutional adoption, regulatory clarity, and capital flows. And that is exactly where Ripple and, consequently, XRP is strategically positioned.

Institutional ambitions.

On July 1, the U.S. Federal Reserve adopted ISO 20022, a new global standard for financial messaging. This follows similar moves by other major payment networks like SWIFT.

Volante Technologies, the provider of Fedwire technology, recently confirmed that institutions using its Fedwire-as-a-Service product can opt for XRP for settlement. This connection, RippleNet + ISO 20022 + Fedwire, creates a gateway for the real use of XRP in regulated financial infrastructure.

Additionally, Ripple is well positioned to benefit from the growth of the stablecoin market. In December 2024, the company launched RLUSD, a dollar-pegged stablecoin that has already surpassed US$ 517 million in market value. To reinforce its compliance, on July 2, Ripple Labs CEO Brad Garlinghouse confirmed that the company applied for a national bank charter from the OCC. Previously, Ripple also requested a master account at the Fed in partnership with Standard Custody, a company acquired in February 2024. If approved, this would allow Ripple to hold RLUSD directly with the Fed.