XRP News Today: SEC Clarity and XRPL Upgrades Drive XRP's Institutional and PayFi Momentum
The XRPXRP-- price trajectory in late 2025 has gained renewed attention as Ripple's XRP Ledger (XRPL) advances and PayFi innovations like Remittix gain traction. A pivotal catalyst has been the U.S. Securities and Exchange Commission's (SEC) settlement with Ripple, which clarified XRP's non-security status in public sales, boosting institutional confidence [1]. This regulatory clarity, coupled with anticipated spot crypto ETF approvals, has positioned XRP as a focal point in the institutional adoption of digital assets [2].
Ripple's technical upgrades to XRPL, including Token Escrow and an EthereumETH-- VirtualCYBER-- Machine (EVM) sidechain, are redefining the token's utility. The Token Escrow feature now allows stablecoins and tokenized real-world assets to be programmatically managed on XRPL, enhancing its appeal for compliance-driven financial applications [1]. The EVM sidechain, meanwhile, bridges Ethereum-compatible smart contracts to XRPL, potentially attracting liquidity and developers from Ethereum's ecosystem [1]. These upgrades align with XRP's broader institutional adoption, exemplified by partnerships with DBS Bank and Franklin Templeton for tokenized money-market funds [1].
The PayFi sector is also witnessing a surge, with Remittix (RTX) emerging as a key contender. The project, which focuses on cross-border crypto-to-fiat payments, has raised over $26.5 million through its presale, selling 669 million tokens at $0.1130 each [5]. Its CertiK audit and listings on BitMart and LBank have further validated its security and market readiness [5]. Remittix's beta wallet, launching in September 2025, supports 40 cryptocurrencies and 30 fiat currencies, enabling real-time, low-cost transfers [6]. Analysts highlight its deflationary tokenomics and AI-powered foreign exchange engine as differentiators in a competitive landscape [7].
Market dynamics suggest a bullish outlook for XRP. Technically, the token has held support near $2.70–$2.80, with short-term targets at $3–$3.10 and long-term potential toward $10 if institutional inflows accelerate [1]. The SEC's recent rule changes for crypto ETFs have expedited applications, with Ripple's ecosystem-including its stablecoin RLUSD-positioned to benefit from broader institutional demand [3]. However, risks such as global market volatility and profit-taking by large holders remain [2].
Remittix's rise underscores the PayFi market's growth potential. With over $27.2 million in funding and projected 5,000% returns, it challenges traditional remittance providers and crypto-native competitors like Ripple [7]. Its real-world utility, including cross-chain interoperability and direct crypto-to-bank transfers, aligns with the $19 trillion global payments sector's demand for efficiency .
In summary, XRP's price trajectory and PayFi innovation are intertwined. Ripple's regulatory and technological advancements, combined with Remittix's rapid adoption, signal a transformative phase for cross-border payments. While XRP's price could reach $5–$7 by late 2025, a $10 target remains contingent on aligned catalysts [4].
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