LONDON (IT BOLTWISE) – XRP is experiencing a remarkable shift from speculative hype to actual institutional use in late 2025. With legal clarity following a four-year legal battle and the introduction of Ripple Prime as an institutional platform, XRP is gaining traction in the financial sector.
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At the end of 2025, XRP is experiencing a significant shift from speculative enthusiasm to serious institutional use. This development is driven by several factors, including legal clarity following a four-year legal battle with the SEC, the launch of Ripple Prime and the growing attention on ETFs. These changes have piqued the interest of banks and funds, which are now starting to consider XRP as a serious option in digital payments.
The turning point came in August 2025, when Ripple reached a settlement with the SEC and accepted a $125 million penalty. This agreement removed the regulatory uncertainty that had long plagued XRP and resulted in an immediate 11% increase in the price of XRP. This gave institutional investors the clarity they needed to integrate XRP into their payment and custody systems without incurring regulatory risks.
Another milestone was Ripple’s acquisition of Hidden Road, a leading prime broker, for $1.25 billion. This acquisition led to the creation of Ripple Prime, the first global prime brokerage platform owned by a crypto company. Ripple Prime offers clearing, funding and OTC trading for forex, cryptocurrencies and more. Since the acquisition, Ripple Prime’s activity has tripled, showing that institutional money is now increasingly flowing into the crypto market.
In addition to these developments, Ripple has also made significant progress in integrating stablecoins. The launch of RLUSD, a dollar-backed stablecoin, allows institutional clients to use it as collateral on trading platforms. The first payment pilots, such as the collaboration with Mastercard, WebBank and Gemini, show the potential of XRP in payment transactions. These partnerships enable daily credit card transactions to be processed via the XRP ledger, resulting in instant transfers and eliminating traditional settlement times of one to three days.
The prospect of XRP ETFs has also attracted significant interest. Numerous applications for spot XRP ETFs have been submitted to the SEC by the end of 2025. Experts estimate that these ETFs could invest between $5 billion and $7 billion in XRP by 2026. This development could put XRP in a similar position to Bitcoin, which has increased significantly in market value with the introduction of ETFs.
However, the future of XRP remains uncertain. While institutional adoption is growing, Wall Street’s direct use of XRP remains limited. Institutions do not purchase XRP directly from Ripple, but rather through exchanges, which makes widespread adoption difficult. Delays in ETF approval or hesitant attitudes from corporate clients could slow XRP’s growth. Nevertheless, it appears that XRP is increasingly being perceived as a serious option in the financial sector, which points to a promising future.
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