XRP News Today: XRP Faces Pivotal 2025 With Key Regulatory Deadlines

In 2025, the global financial system is set to undergo significant structural changes, with a series of regulatory and technical deadlines shaping the landscape for XRP's growth in institutional circles, cross-border payments, and increasing RLUSD integration. A crypto enthusiast on X, Khan-ge (@KhanGe37), posted a visual timeline highlighting key developments affecting XRP, SWIFT’s ISO 20022 standard, and important regulatory developments.

One of the most anticipated dates is June 16, 2025, marking the end of the 60-day pause in the Ripple v. SEC case. This pause was granted to allow both parties to finalize the settlement. By this date, the SEC could file its status update, either to request more time to finalize the agreement or to confirm that the settlement has been reached, allowing both parties to file motions to withdraw their appeals and close the case.

The SEC has two additional deadlines on October 18 and 19 to make decisions on proposed XRP-based exchange-traded funds (ETFs): the Grayscale XRP Trust and the 21Shares Core XRP Trust. These reviews are part of the wave of crypto-related ETF filings in the U.S.

Another major date is July 14, when the U.S. Federal Reserve’s Fedwire Funds Service is scheduled to complete its migration to the ISO 20022 messaging format. This transition is part of a broader effort to modernize U.S. payment systems.

During the summer or fall of 2025, the U.S. Congress will take action on the GENIUS Act, which aims to establish a regulatory framework for stablecoins by reconciling different versions of the bill from the House and Senate.

Europe will also implement a significant change on October 9, 2025. All Euro-area banks will be obligated to offer instant payments, with fees not exceeding those of traditional SEPA transfers. This move is part of a broader effort to enhance the efficiency and accessibility of financial services in the region.

In November, all financial institutions using SWIFT for cross-border payments must fully adopt ISO 20022. At that point, legacy MT messages will no longer be supported, moving the global economic system toward the new standard that Ripple Payments has complied with for years. ISO 20022 is projected to be the global standard for financial messaging by the end of 2025, covering 80% of the world’s transaction volume and 87% of the transaction value.

Taken together, these events signal a pivotal year for XRP and the infrastructure underlying modern finance. The transition to ISO 20022 and the regulatory developments surrounding stablecoins and ETFs are expected to have a significant impact on the growth and adoption of XRP in institutional circles and cross-border payments.