RTX's $14M Presale Challenges XRP with Unbanked-Focused 'Fiat 2.0' Model

Remittix (RTX), a blockchain-based cross-border payment platform dubbed "XRP 2.0," has raised over $14.2 million in its presale, selling 524 million tokens at $0.0734 eachRemittix Closes In On $15 Million Raised As $RTX …^[4]. The project, which aims to disrupt traditional remittance systems through instant fiat conversions and decentralized infrastructure, has attracted both retail and institutional investors. Its presale, now nearing $15 million, positions RTX as a leading contender in the 2025 crypto presale landscape, outpacing XRP’s recent $3.16 price level after breaking through $3.07 resistanceXRP Vs RTX: after being dubbed XRP 2.0 Remittix …^[3]. Analysts highlight RTX’s 15% USDT referral rewards and planned listings on BitMart and LBank as catalysts for broader adoptionXRP Vs RTX: after being dubbed XRP 2.0 Remittix …^[3].

RTX’s PayFi technology differentiates it from XRP by enabling direct fiat settlements without reliance on traditional banking intermediaries. Unlike XRP’s institutional focus, RTX targets unbanked populations, offering a decentralized solution that bypasses high fees and processing delays. This approach aligns with growing demand for financial inclusion, particularly in regions where traditional remittance services like Western Union dominateXRP vs RTX: The Battle for Cross-Border Payments Dominance^[5]. The platform’s beta wallet launch on September 15, 2025, and its integration of smart contracts for faster transactions further underscore its technical edgeXRP Vs RTX: after being dubbed XRP 2.0 Remittix …^[3].

XRP, while maintaining a bullish narrative due to ETF speculation and institutional partnerships, faces challenges from RTX’s user-centric model. XRP’s recent price consolidation near $2.99 and regulatory scrutiny under the EU’s MiCA framework create uncertaintyXRP (XRP) Price Prediction For September 17^[2]. In contrast, RTX’s presale momentum reflects confidence in its real-world utility. Over 120 million XRP tokens were acquired by large holders in September 2025, a pattern historically preceding significant ralliesXRP Vs RTX: after being dubbed XRP 2.0 Remittix …^[3]. However, RTX’s success hinges on regulatory compliance and operational scalability as it expands into global marketsRemittix Closes In On $15 Million Raised As $RTX …^[4].

Market analysts project RTX could achieve 1,000x price appreciation, driven by its $15 million funding target and growing user baseXRP vs RTX: The Battle for Cross-Border Payments Dominance^[5]. While XRP’s $3.15 level remains pivotal for further gains, RTX’s viral presale and referral program suggest stronger short-term demand. On-chain data indicates modest inflows into XRP exchanges, but RTX’s $4.4 million net inflow on September 16 highlights shifting investor prioritiesXRP (XRP) Price Prediction For September 17^[2].

Regulatory developments pose dual risks. EU regulators have pushed for stricter oversight, which could impact XRP’s liquidity but may also enhance long-term investor confidenceXRP (XRP) Price Prediction For September 17^[2]. For RTX, navigating global compliance while maintaining decentralized operations will be critical. The project’s emphasis on cybersecurity audits and collaboration with financial authorities aims to mitigate these risksRemittix Closes In On $15 Million Raised As $RTX …^[4].