⚖️Resolution with the SEC: Ripple reached an agreement with the SEC in August 2025, paying a fine of 125 million dollars, clearing key regulatory hurdles and generating a confidence shock in the market.

💥Investment innovation: Leveraged ETFs based on XRP futures were approved, expanding their accessibility to institutional and retail investors.

🏦Global banking adoption: Recent research indicates that major institutions like American Express, Bank of America, and Santander are already using XRP as a bridge currency in cross-border transactions.

🗿However, on-chain usage remains low, as many banks prefer off-chain solutions for regulatory and trust reasons.

💡Summary: XRP is regaining ground thanks to greater legal clarity and institutional backing, although it still faces challenges of direct use and volatility.

XLM (Stellar Lumens) – 👍🏽Strategic alliances and 🎇🗺️global expansion

PayPal on the Stellar network: PayPal plans to launch its stablecoin PYUSD on the Stellar network, which could bring millions of new users and strengthen its use in everyday payments and remittances.

🏦Financial alliances: Societe Générale-FORGE created a euro stablecoin (EURCV) on Stellar, validating its institutional utility. 💥Explosive price growth: In July 2025, XLM rose more than 521% in just 24 hours following announcements of institutional agreements and infrastructure improvements; it even reached over 10,000% in the last month.

💫DeFi and technological expansion: The launch of Soroban (smart contracts, low latency, and minimal costs) attracted more than 200 projects in Q1 2025 and strengthened Stellar's DeFi ecosystem.

Solid institutional outlook: With scalable, efficient, and sustainable (carbon neutral) infrastructure, XLM positions itself as an attractive tool for global payments and asset tokenization. Conservative price target between $0.40 and $0.50 by the end of the year.

💡Summary: XLM is on track to consolidate as a key player in global finance thanks to strategic alliances, robust technology, and strong institutional adoption.#

In summary!!!

XRP:

✅ Clear regulation

〽️ Leveraged ETFs on the way

〽️ Banking usage in backend (AmEx, BOA, Santander)

〽️ On-chain usage still limited

XLM:

⭐ PayPal + EUR stablecoin on Stellar

〽️ Super price surge (over 521% daily)

〽️ Soroban boosts ecosystem and DeFi

〽️ Target $0.40–0.70 in 2025

#XRP #XLM #CryptoNews #Blockchain #Cryptocurrencies #BinanceFeed #Ripple #Stellar #Investments #Trading #CryptoLatam #DigitalFinance #GlobalPayments #CryptoAdoption2025

💡 Institutional adoption is already underway… are you in or will you miss out? 🚀