XRP News Today: XRP Breaks Free from Legal Chains, Ready to Reshape Global Banking

Ripple CEO Brad Garlinghouse has indicated that XRP is poised to play a pivotal role in the next phase of U.S. banking, particularly in cross-border payments and liquidity solutions. The removal of the long-standing legal uncertainty surrounding XRP—following the SEC’s August 2025 decision to drop its appeals—has cleared the path for broader institutional adoption. This development has reinforced XRP’s utility in the financial ecosystem, especially in corridors where it can offer faster and lower-cost transactions compared to traditional systems like SWIFT or stablecoins.

According to recent market data, XRP is currently trading near $2.96, with a market capitalization of approximately $176 billion, placing it among the top three cryptocurrencies by market cap. Daily trading volume often exceeds $2 billion, and liquidity metrics such as order-book depth have improved significantly in late 2024 and early 2025. These trends suggest growing institutional interest and improved execution quality, critical factors for large-scale adoption [1].

The XRP Ledger (XRPL) has further enhanced its utility with the implementation of a native automated market maker (AMM) in early 2024 through the XLS-30 protocol upgrade. This development allows for on-chain liquidity provision, reducing reliance on centralized exchanges and improving efficiency in asset swaps. Analysts have noted that such features could help XRP deepen its on-chain liquidity and reduce volatility, making it more attractive for high-volume transactions and DeFi integrations [1].

Several major banks have already integrated XRP into their payment systems. For instance, Santander’s One Pay FX service uses RippleNet for cross-border transactions, particularly in Europe and Latin America. PNC Bank, one of the largest U.S. financial institutions, has also adopted Ripple’s technology to enable real-time international payments for its commercial clients. In Asia, SBI Remit and SBI Ripple Asia leverage XRP for instant remittances across the region, reducing transfer times from days to seconds and cutting costs significantly [3].

The global remittance market, valued at over $685 billion in 2024, remains a key growth corridor for XRP. With average fees of around 6%, there is substantial room for improvement, and XRP’s ability to eliminate pre-funding requirements makes it an attractive option for financial institutions. If more banks adopt XRP in high-cost corridors—particularly in emerging markets—its real-world utility could increase significantly, further driving demand [1].

Price analysis of XRP suggests that the $3.30 level remains a critical resistance for near-term upside potential. A successful breakout above this level could lead to higher targets, with some analysts forecasting a move toward $5–$8 by 2030, depending on adoption and liquidity milestones [4]. Conversely, a drop below $2.80 could signal a bearish shift, with further downside risks if institutional demand weakens [5].

Looking ahead, Ripple’s strategic expansion through its RLUSD stablecoin, which is backed by reserves held by BNY Mellon, could also influence XRP’s trajectory. The stablecoin provides a regulated entry point for institutions and may selectively route flows through XRP where it offers cost or liquidity advantages. This hybrid approach could strengthen XRP’s position in the market, particularly as it integrates with traditional financial products [1].

Source:

[1] Where Will XRP Be In 5 Years? (https://www.forbes.com/sites/digital-assets/article/where-will-xrp-be-in-5-years/)

[2] Is XRP a Millionaire-Maker Cryptocurrency? (https://www.fool.com/investing/2025/08/25/is-xrp-a-millionaire-maker-cryptocurrency/)

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

[4] XRP Price Prediction: Analysts Eye $5–$8 Targets as Fed ... (https://www.coindesk.com/markets/2025/08/25/fed-dovish-turn-lifts-xrp-toward-usd3-10-analysts-eye-usd5-usd8-targets)

[5] Analyst Says It's Game Over for XRP if It Loses This Support (https://thecryptobasic.com/2025/08/25/analyst-says-its-game-over-for-xrp-if-it-loses-this-support)

[6] XRP Price Action Signals Strength, More Upside Potential ... (https://www.mitrade.com/insights/news/live-news/article-3-1065508-20250825)