XRP News Today: XRP's IMF Ties Spark Debate: Liquidity Revolution or Overvaluation Risk?

XRP, the digital asset issued by Ripple, has surged into the spotlight following a bombshell claim by Apex Crypto Insights that part of its escrowed supply is allegedly linked to the International Monetary Fund (IMF). The assertion, shared via social media on October 30, 2025, has ignited fervent debate within the cryptocurrency community and broader financial markets, with analysts scrambling to assess its implications for XRP's valuation and Ripple's strategic trajectory. Apex, citing over 9,000 hours of research, alleged historical and institutional ties between the IMF and Ripple's escrow system, suggesting the cryptocurrency could serve as an intermediary for a new form of international liquidity, according to Apex Crypto Insights.

The claim arrives amid a period of aggressive institutional adoption for XRP. Ripple's recent acquisition of Hidden Road and rebranding to Ripple Prime has positioned the firm as a trailblazer in cross-border settlements, with the platform now offering institutions direct access to XRP, Ripple USD (RLUSD), and RLUSD for collateral, according to a Coinpedia article. This move has accelerated XRP's integration into over 300,000 foreign exchange derivatives markets, while derivatives activity—$26.9 billion in notional volume since May 2025—signals growing institutional demand, the Coinpedia piece reports. Meanwhile, Evernorth, a new institutional treasury firm led by Ripple co-founder Asheesh Birla, has nearly reached its $1 billion XRP accumulation target, holding 388.7 million XRP valued at $947 million, according to a TradingView report. The firm's strategy includes validator participation and yield generation via RLUSD, aiming to solidify XRP's role in traditional finance, as outlined in another TradingView piece.

Market dynamics further underscore XRP's momentum. The token has surged 355% in 52 weeks, outperforming Bitcoin and Ethereum, while recent data from Messari reveals a 29% quarterly price increase to $2.85 and a 14.2 million XRP burn since its inception, according to a Benzinga report. However, skepticism persists. Critics argue XRP's valuation at $2.50 is inflated, citing speculative price targets and the lack of a concrete regulatory framework under the Trump administration, as noted in a Yahoo Finance column. Technical indicators, including a 39.69 RSI and a 10,100-contract open interest on CME derivatives, suggest neutral momentum but caution against potential sell pressure from large holders, the Coinpedia article also observed.

The IMF connection, if substantiated, could redefine XRP's narrative. Apex linked Ripple's technology to the Bretton Woods Agreement, positing that XRP's design aligns with a 30-year plan for decentralized global liquidity. While Ripple's CTO David Schwartz holds a 1988 patent on distributed ledgers, the company has yet to publicly comment on the allegations.

As anticipation builds for a potential XRP ETF approval—seven U.S. applications are pending with decisions expected by November 14—the market remains polarized. Proponents view Apex's claim as a catalyst for a "price explosion," while skeptics warn of overvaluation risks. With Evernorth's SPAC merger and Ripple's institutional push gaining traction, XRP's next move could hinge on regulatory clarity and the resolution of its escrow mystery.