XRP News Today: Post-SEC Win, XRP Powers $180B Shift in Institutional Finance

The XRP Ledger (XRPL) has emerged as a cornerstone of institutional finance in 2025, driven by its role in cross-border payments, regulatory clarity, and technical efficiency. Over 12 major global banks and fintechs, including SBI Holdings, Santander, and PNC Bank, now utilize XRP for real-time, low-cost transactions, processing over 2.14 million daily transactions and surpassing $180 billion in market cap. This adoption is underpinned by XRP's ability to settle transactions in 3–5 seconds at near-zero fees, a stark contrast to traditional systems like SWIFT, which often take days and incur higher costs.

A pivotal case study is SBI Remit, which leveraged Ripple's On-Demand Liquidity (ODL) to facilitate $3.7 billion in cross-border remittances between Japan and Southeast Asia in Q1 2025 alone. By converting fiat to XRP and back, SBI Remit reduced transfer times from days to seconds while slashing fees to less than $0.01 per transaction. This scalability has spurred growth in corridors across Asia, Latin America, and Africa, with forecasts predicting XRP-settled flows exceeding $10 billion quarterly by year-end 2025.

Regulatory clarity has further bolstered XRP's institutional appeal. In 2024, a favorable court ruling and a $125 million settlement with the U.S. SEC resolved a four-year legal battle, affirming XRP as a utility token rather than a security in open-market transactions. This outcome has encouraged broader adoption by banks and fintechs seeking compliant solutions. For instance, Santander's One Pay FX and Standard Chartered's real-time settlement systems now operate without the operational friction of traditional banking rails.

XRP's technical advantages also position it as a sustainable alternative to legacy systems. The XRP Ledger can handle 1,500 transactions per second, with potential scalability up to 65,000 via Layer 2 solutions, and consumes minimal energy compared to proof-of-work blockchains like Bitcoin. This efficiency aligns with institutional demands for interoperability and environmental responsibility, as seen in MUFG Bank's use of XRP to eliminate pre-funded nostro accounts, reducing liquidity costs.

Beyond payments, XRP's utility is expanding into tokenization, decentralized finance (DeFi), and identity verification systems. Its role in bridging fiat and digital assets has attracted developers and enterprises exploring tokenized real-world assets and cross-border trade finance. For example, Siam Commercial Bank in Thailand is experimenting with Ripple's smart contracts to enhance financial inclusion in rural areas. These developments suggest XRP's value extends beyond speculative trading, anchoring it as a foundational infrastructure asset in the digital economy.

Source: [1] 12 Banks Using XRP - Webopedia (https://www.webopedia.com/crypto/learn/banks-using-xrp/)

[2] $3.7 Billion Was Transferred via XRP in Q1 2025-SBI Remit ... (https://www.thecryptoalert.com/post/3-7-billion-was-transferred-via-xrp-in-q1-2025-sbi-remit-powers-instant-cross-border-payments-a-48)

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

[6] Ripple SEC Case: What XRP's Legal Victory Means (https://coinpaper.com/10992/ripple-sec-case-latest-developments-and-implications)