XRP News Today: Ripple (XRP) Cited by Russian Academy of Sciences as Fintech Solution for Post-2008 Financial Stability

Ripple (XRP) has been highlighted in academic and institutional discourse as a potential tool for addressing systemic financial instability, according to recent research and conference materials. A presentation at the IV International Scientific and Practical Conference hosted by the Russian Academy of Sciences’ Research Institute of World Economy and International Relations named after E.M. Primakov referenced Ripple as part of a broader fintech ecosystem aimed at modernizing cross-border interbank transfers post-2008 financial crisis. Dr. I.A. Kopytin, a senior researcher at the Energy Research Center, noted in his paper titled “Fintech ecosystem and increased competition in the cross-border interbank transfer services market” that Ripple’s blockchain technology was among several solutions identified to mitigate risks associated with legacy systems like SWIFT. The analysis emphasized the inadequacies of pre-crisis infrastructure and the need for alternatives that enhance transparency and reduce systemic exposure [1].

The conference materials positioned Ripple’s “fintech system” alongside initiatives such as IBM’s Blockchain World Wire and JPMorgan Chase’s Interbank Information Network, underscoring its role in reshaping cross-border payment mechanisms. Crypto researcher SMQKE emphasized that Ripple was cited twice in academic literature—both as a response to pre-crisis failures and as a modern tool for stabilizing trade finance. The discussion highlighted blockchain’s capacity to provide granular visibility into transactions, a feature the conference attributed to mitigating risks linked to complex, opaque financial instruments like off-balance-sheet collateralized debt obligations (CDOs) [1].

Transparency and programmability were central themes in the presentation, with advocates arguing that blockchain-based systems like Ripple could prevent over-derivatisation—a key contributor to the 2008 crisis. The academic paper suggested that digital ledgers simplify financial exposure by enabling verifiable transactions, thereby reducing the likelihood of cascading defaults. This aligns with Ripple’s public positioning as a settlement-focused blockchain infrastructure for institutional use, particularly in international payments. While the documents did not claim Ripple could single-handedly avert future crises, they framed its technology as part of a broader effort to modernize financial infrastructure post-2008 [1].

The recognition of Ripple in institutional and academic circles has reinforced narratives around its utility in global finance. SMQKE noted that the platform’s inclusion in formal economic research signifies its relevance beyond the crypto space, contributing to a more resilient financial ecosystem. This is further supported by Ripple’s existing partnerships with financial institutions, including its adoption in backend operations for faster and cheaper cross-border transactions [2].

Analysts have also speculated on XRP’s market trajectory, with forecasts such as Geoffrey Kendrick’s prediction of a 310% increase, projecting XRP could reach $12.25 by 2029 [6]. Ripple itself has hinted at a potential price range of $9 to $15 by Q4 2025, though these projections remain speculative and should be contextualized against its current valuation of approximately $3.51 [7].

The token’s growing adoption is reflected in its tokenized asset footprint, which has risen to $133 million on the XRP Ledger, up from under $50 million a year prior. While this remains modest compared to other blockchain networks, it signals traction in markets prioritizing efficiency and compliance [3].

Critically, XRP’s design emphasizes practicality over speculative hype, contrasting with emerging meme coins that lack tangible infrastructure. Institutional credibility and regulatory progress—such as Ripple’s partial victory in its SEC lawsuit—further distinguish it as an asset with long-term utility in financial ecosystems [3].

Source:

[1] [Ripple (XRP) Cited As New Solution to Financial Crisis] (https://timestabloid.com/ripple-xrp-cited-as-new-solution-to-financial-crisis/)

[2] [XRP Institutional Adoption by Major Banks Challenges Critic Claims] (https://www.ainvest.com/news/xrp-news-today-xrp-institutional-adoption-major-banks-challenges-critic-claim-2507/)

[3] [Where Will XRP (Ripple) Be in 5 Years?] (https://www.aol.com/where-xrp-ripple-5-years-093800860.html)

[6] [Prediction: XRP (Ripple) Will Be Worth This Much in 10 Years] (https://www.aol.com/prediction-xrp-ripple-worth-much-072500398.html)

[7] [XRP Price Prediction: With Bitcoin Poised For New Highs, Ripple Targets $9–$15 in Q4] (https://coindoo.com/xrp-price-prediction-with-bitcoin-poised-for-new-highs-ripple-targets-9-15-in-q4/)