XRP News Today: XRP Network Remains Decentralized Despite Ripple’s 40% Token Holdings US Advances National Crypto Strategy with XRP at Forefront Fannie Mae Freddie Mac to Consider Crypto Holdings as Mortgage Assets

XRP’s validator network remains decentralized despite Ripple’s token concentration. The digital asset has often been misunderstood due to its token distribution, with critics arguing that Ripple’s holdings of 40% make the network centralized. However, experts like attorney John E Deaton argue that this confuses token concentration with network control. The decentralized validation system behind XRP operates independently of Ripple’s control, ensuring the network remains distributed, secure, and transparent. This is evidenced by the wide global participation of over 75,000 XRP holders from 143 countries who have united to support Ripple in its legal battle with the SEC.

As the United States pushes forward to become the global leader in digital assets, new developments are shaping a national crypto strategy. Driven by a renewed political interest and a tech-savvy voter base, blockchain policy is evolving rapidly. A major focus has been on XRP, with many states already acting on crypto policies. Massachusetts, for instance, is exploring forward-thinking crypto policies, including accepting tax payments in crypto without triggering capital gains. This approach could inspire higher compliance and enthusiasm. State GOP leaders are collaborating with national figures to align crypto regulation with economic growth goals, ensuring the region remains at the forefront of digital finance and blockchain innovation.

At the federal level, new directives reflect a shift in national priorities. Fannie Mae and Freddie Mac have been instructed to consider crypto holdings as mortgage assets. This move could unlock housing opportunities for crypto holders, blending financial innovation with practical benefits for American families. The federal government's intensification of crypto discussions is also driving global adoption of XRP. Major global institutions have recognized XRP’s utility, with endorsements or partnerships formed with the IMF, World Bank, and the European Central Bank. Financial giants like JP Morgan, Bank of America, and BlackRock have also acknowledged XRP’s utility. Additionally, Ripple’s On-Demand Liquidity (ODL) service is now supported by hundreds of partners worldwide, representing a growing trust in XRP as a bridge asset for cross-border transactions. Its utility continues to outpace many legacy financial systems.