XRP News Today: Market Maturity Drives Shift to Utility-Driven Crypto Payments

The cryptocurrency market is witnessing a shift as investors pivot from speculative assets to payment-focused tokens with real-world utility. While Bitcoin's price remains stagnant, attention is turning to projects like Ripple's XRP and emerging contenders such as Remittix (RTX), which are leveraging institutional adoption and cross-border transaction infrastructure to capture market share.

XRP, long a staple in cross-border settlements, currently trades at $2.61, with a market capitalization of $157.19 billion. Analysts note that institutional demand and Ripple's expanding partnerships with global remittance providers could push the token toward $3.50 if regulatory clarity in the U.S. accelerates adoption, according to a FinanceFeeds forecast. However, short-term holders are locking in profits, with 24-hour trading volume dipping 2.47% to $4.91 billion, as FinanceFeeds reports. Meanwhile, Stellar's XLM, valued at $0.29, continues to attract interest for its low-cost, high-speed person-to-person transfers, though its broader adoption hinges on regulatory developments, according to Live Bitcoin News.

Enter Remittix (RTX), a rising star in the PayFi (Payments + DeFi) sector. At $0.1166 per token, RTX has already raised $27.7 million from the sale of 681 million tokens and is expanding its reach to 30+ countries through crypto-to-fiat transfers, according to FinanceFeeds. The project, fully audited by CertiK and ranked 1 for pre-launch tokens on CertiK Skynet, has secured listings on BitMart and LBank, with a third exchange in the pipeline, Live Bitcoin News reports. Its wallet beta, now open to iOS users, enables instant conversions to bank accounts, while a $250,000 community giveaway and 15% referral rewards in USDT are fueling organic growth, per FinanceFeeds.

RTX's appeal lies in its tangible use case. Unlike speculative assets, it addresses friction in global payments by enabling real-time foreign exchange conversions, supporting 40+ cryptocurrencies and 30 fiat currencies, according to a Cryptopolitan analysis. "RTX isn't just another token—it's a bridge between DeFi and traditional finance," said one analyst, noting that its CertiK verification and strategic partnerships position it as a viable alternative to XRP and XLM, according to Live Bitcoin News.

The market's pivot toward utility-driven tokens is also evident in comparisons with Chainlink (LINK) and Ethereum-based projects. While Chainlink remains critical to DeFi infrastructure, its price near $18 hinges on maintaining support at $17, per a Live Bitcoin News analysis. In contrast, RTX's focus on payments—rather than oracles or lending—offers a distinct value proposition. "RTX's real-world adoption and growing ecosystem make it a serious contender," said another analyst, highlighting its 12.9% revenue growth in Q3 2025 and expanding institutional interest, according to Live Bitcoin News.

Investor sentiment is further bolstered by RTX's aggressive growth strategy. A limited-time RTX50 code offers a 50% token bonus ahead of its $30 million fundraising milestone, while strategic integrations with payment APIs and global remittance networks signal long-term scalability, per a Live Bitcoin News roundup. These factors have positioned RTX as a top pick for October, with some analysts labeling it the "next XRP", as covered in a Cryptopolitan feature.

As the crypto market matures, the focus on utility over hype is reshaping investment priorities. While XRP and XLM remain foundational, projects like RTX are redefining how digital assets interact with traditional finance. With its blend of security, scalability, and real-world adoption, Remittix could emerge as a key player in the next phase of blockchain payments.

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