#XRPETF

Challenges and Criticisms**

- **Relative Centralization**: Due to **Ripple**'s control over a large portion of the supply (55% of the 100 billion units).

- **Legal Discussion**: In 2023, a US court ruled that **XRP** is not a "security" in itself, but the way it is sold may be subject to regulation.

#### **Recent Developments**

- In March 2025, US President **Donald Trump** announced plans to include **XRP** in the **Strategic Digital Currency Reserve** of the United States.

- The price of **XRP** reached **$3.40** in January 2025, supported by regulatory improvements and increased demand.

**Summary**

**XRP** is a digital currency focusing on **fast and cheap financial transfers**, targeting institutions more than individuals. Despite criticisms of centralization, it remains one of the most important currencies in the market due to its technical efficiency and broad partnerships.