XRP News Today: Ripple's XRP Targets $120T Market Amid Regulatory and Price Volatility

Ripple CEO Brad Garlinghouse has positioned XRP as a pivotal solution for institutional financial challenges, particularly after the company's $1 billion acquisition of GTreasury, a treasury management system provider, and the rebranding of Hidden Road, a non-bank prime broker, as Ripple Prime. The move, announced in October 2025, aims to integrate XRP into corporate treasury operations, enabling real-time liquidity management and cross-border transactions, according to Bitcoinist. Garlinghouse emphasized that the acquisition targets a $120 trillion corporate treasury market dominated by outdated systems, framing XRP as a tool to unlock trapped capital and modernize payment infrastructure, according to the Bitcoinist piece.

The strategic expansion aligns with Ripple's broader vision to dominate institutional finance. A separate entity, Evernorth, backed by Ripple and other crypto stakeholders, is set to go public via a SPAC merger, raising over $1 billion to create a publicly traded XRP treasury, Bitcoinist reported. The firm, led by Ripple alumnus Asheesh Birla, plans to buy and hold XRP while generating yield through lending and liquidity activities. This approach differentiates Ripple from traditional crypto firms, as the asset itself becomes the core holding rather than a product, as noted by Bitcoinist. Market reactions have been mixed: XRP's price dipped below $2.40 amid bearish sentiment, but long-term investors remain optimistic as exchange reserves decline, indicating a shift to self-custody, according to FXStreet.

Garlinghouse's strategy has drawn attention from regulators and institutional players. The Federal Reserve's exploration of a "payment account" for stablecoin issuers, including Ripple, could further accelerate adoption by granting access to central bank rails, Cointelegraph reported. Meanwhile, Ripple's partnership with GTreasury and Hidden Road has already attracted Fortune 500 clients, offering tools for managing digital assets, stablecoins, and tokenized deposits, according to Bitcoinist. The company's third major acquisition of 2025—Rail, a stablecoin-powered payment platform—completes its transition into a "one-stop fintech shop".

Market dynamics, however, remain volatile. XRP's price slid 2.5% in 24 hours, testing critical support levels, as broader crypto sentiment weakened, TradingView reported. Analysts note that low retail interest and derivatives market stability—marked by a decline in open interest from $8.36 billion to $3.76 billion—suggest cautious positioning, according to FXStreet. Conversely, a $506 million XRP transfer and Binance CEO Changpeng Zhao's presidential pardon sparked short-term optimism, pushing XRP's price toward $2.45.

Ripple's institutional push faces regulatory scrutiny but also significant opportunities. The company's integration of blockchain into prime brokerage services, including using its stablecoin Ripple USD (RLUSD) as collateral, underscores its ambition to bridge traditional and digital finance. With six strategic acquisitions in 28 months, Ripple is reshaping its identity from a cross-border payment specialist to a diversified fintech giant.