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Ripple is advancing its position in the global financial ecosystem, with its native token,
, now ranked among the top 100 global financial assets by market capitalization. As of the latest data, XRP's market cap has reached approximately $180 billion, surpassing major corporations such as Allianz SE, , and . This growth has been driven by a significant price appreciation over the past 10 months, during which XRP surged from below $0.6 to an all-time high of $3.65 in mid-July, despite recent corrections [1].The token's inclusion in the top 100 list of global financial assets underscores the broader acceptance of digital assets and reflects the ongoing evolution of the cryptocurrency market. Alongside
and , which have also solidified their positions in the top 10 and 30 financial assets by market cap, XRP's ascent highlights the growing institutional interest in digital currencies. This trend is supported by increased on-chain settlement volumes on the XRP Ledger, which saw a 500% surge earlier this week, suggesting potential institutional adoption [2].Beyond price performance, Ripple has made strategic acquisitions to bolster its infrastructure and market presence. The most notable recent development is the acquisition of Toronto-based stablecoin platform Rail for $200 million. This acquisition, finalized in August, is expected to significantly expand Ripple's regulatory footprint across U.S. states and enhance its stablecoin ecosystem, particularly its RLUSD stablecoin. Legal experts have suggested that this move is strategically timed to support Ripple's broader ambitions, including its pursuit of a national bank
and a Federal Reserve master account [3].The acquisition of Rail aligns with Ripple's broader strategy to become a full-stack financial services provider, integrating blockchain-based solutions into traditional financial systems. Ripple already holds a New York BitLicense, a NYDFS trust charter, and numerous international licenses. The addition of Rail's infrastructure is expected to streamline cross-border payments and expand Ripple's capabilities in stablecoin transactions. This expansion is also in line with recent regulatory developments in the U.S. and Canada, including the passage of the GENIUS Act, which establishes a federal framework for stablecoins and promotes the mainstream adoption of digital assets [3].
However, XRP has faced regulatory headwinds in recent months, with its performance lagging behind other major cryptocurrencies like Ethereum. The token is currently down 20% over the past 30 days, despite settling its long-standing legal dispute with the U.S. Securities and Exchange Commission (SEC) in August. The delayed approval of spot XRP ETFs, now expected in mid-October, has contributed to ongoing uncertainty in the market. Analysts note that regulatory clarity will be critical for Ripple's next phase of growth, particularly as the company seeks to expand its financial services offerings and explore new initiatives, such as tokenizing real-world assets [4].
Looking ahead, Ripple's strategic investments and regulatory advancements position it as a key player in the evolving digital finance landscape. The company's ability to navigate regulatory challenges while expanding its infrastructure will be crucial in determining its long-term success. As XRP continues to attract institutional interest and regulatory scrutiny, the market will closely monitor developments related to ETF approvals, cross-border payment expansion, and the broader adoption of stablecoins in financial services [1].
Source:
[1] XRP Is Now a Top 100 Global Asset (https://cryptopotato.com/ripples-xrp-is-now-a-top-100-global-asset-heres-what-it-means/)
[2] XRP Surges 9% Before Pullback Caps Rally Near $3 (https://www.coindesk.com/markets/2025/08/23/xrp-surges-9-before-pullback-caps-rally-near-usd3)
[3] Ripple Acquires Toronto-Based Stablecoin Platform (https://www.thesarniajournal.ca/other/ripple-acquires-toronto-based-stablecoin-platform-11099292)
[4] 1 Key Reason Why XRP Lags Behind Ethereum and Other... (https://www.mitrade.com/insights/news/live-news/article-8-1063721-20250823)
[5] Ripple's $200M Rail Deal Timed Perfect to Boost Its US Bank Charter Bid – Legal Expert (https://cryptorank.io/news/feed/b36b3-ripple-rail-acquisition-bank-charter-custodia-debate)

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