XRP News Today: Institutional Adoption Sparks Debate Over 2025's Hottest Crypto Contenders

Cold Wallet (CWT) is a self-custody Web3 wallet that operates across multiple blockchains and offers users cashback in its native CWT token for actions such as paying gas fees, swapping tokens, and converting crypto to fiat. The project is currently offering 40% of its total token supply in a multi-stage presale, with the initial price at $0.007 and a projected final stage price of $0.3517, indicating a potential 50x increase. However, critics argue that CWT does not offer significant differentiation from existing wallet platforms like MetaMask or Trust Wallet, which already provide similar functionalities without requiring users to hold a separate token [1].

The CWT tokenomics are structured to allocate 10 billion tokens across six categories: 40% for the presale, 25% for a rewards pool, 12% for exchange liquidity, 10% for ecosystem growth, 7% for the team, and 6% for a treasury. The rewards pool is designed to incentivize users through cashback, staking, and referral incentives, while the presale aims to fund development and early adoption [1]. Investors should also be aware that 40% of the tokens sold in the presale will become liquid within three months of launch, which could create downward pressure on the token’s price if demand does not grow quickly [1].

Chainlink (LINK) is a decentralized oracle network that connects smart contracts to real-world data sources, APIs, and payment systems. The network allows smart contracts to access external data securely and reliably, enabling a wide range of applications, including DeFi, insurance, and automated blockchain platforms. Chainlink’s market cap is currently $1.47T, and the price has surged 122.59% over the past year, significantly outpacing the broader DeFi category [3]. Institutional partnerships and recent developments, such as the launch of the Chainlink Reserve and collaborations with ICE, are reinforcing the token’s fundamentals and long-term viability [3].

Ripple’s XRP is being explored by SWIFT and other financial institutions for cross-border payments due to its fast settlement times and energy efficiency. Banks such as Santander, PNC, and SBI Holdings have integrated XRP into their systems to facilitate instant and cost-effective international transactions. XRP is processing around 1,500 transactions per second with minimal energy use, making it an attractive option for financial institutions seeking to modernize their payment infrastructure [4]. SWIFT’s recent trials using XRP and HBAR for blockchain-based cross-border payments indicate a growing institutional interest in leveraging blockchain for global finance [5].

PEPE, a meme coin inspired by Dogecoin, has also seen significant interest in its early stages, with a growing community and presale traction. While the token’s utility and long-term value proposition are still evolving, its viral appeal and community-driven approach have attracted speculative attention. However, investors are advised to conduct thorough due diligence before participating in such projects [1].

The market landscape for cryptocurrencies in 2025 is marked by increasing institutional adoption, regulatory developments, and technological advancements. Projects like Cold Wallet, Chainlink, XRP, and PEPE are at the forefront of innovation in blockchain-based financial services, with each offering unique value propositions and use cases. As the industry matures, the performance of these tokens will largely depend on their ability to deliver on their promises and integrate into the broader financial ecosystem [1].

Source:

[1] How to Buy Cold Wallet Token (CWT) in 2025: Easy Guide (https://cryptonews.com/cryptocurrency/how-to-buy-cold-wallet-token/)

[2] Chainlink: Integrating the World Into the Tokenized Asset (https://blog.chain.link/chainlink-oracle-platform/)

[3] Chainlink Price, LINK Price, Live Charts, and Marketcap (https://www.coinbase.com/en-in/price/chainlink)

[4] Banks Using XRP: Transforming Cross-Border Payments (https://coinpaper.com/10652/banks-using-xrp-transforming-cross-border-payments)

[5] SWIFT has begun testing Ripple's XRP Ledger and ... (https://www.mitrade.com/insights/news/live-news/article-3-1059687-20250822)