$XRP Looking ahead, XRP is positioning itself as a major player in the tokenization of real-world assets (RWA) and central bank digital currencies (CBDCs). The XRP Ledger (XRPL) is being actively developed to support smart contracts (Hooks and Xahau sidechain), which could significantly expand its use cases beyond payments.
A key future development is Ripple’s collaboration with global financial institutions and central banks for CBDC issuance. Many countries are exploring CBDCs on XRPL due to its high efficiency, scalability, and minimal energy consumption.
Additionally, with the growing importance of ISO 20022 compliance, XRP is well-positioned as one of the few cryptocurrencies aligned with this global banking standard. This could lead to wider adoption by financial institutions as cross-border payment systems continue to evolve.
If regulatory clarity improves—especially in the U.S.—XRP could see mass adoption in mainstream finance, making it a crucial bridge between traditional banking and blockchain technology.
