XRP News Today: XRP Surges 277% Against Bitcoin Amid Whale Activity and Regulatory Tailwinds

XRP has seen a remarkable surge of approximately 277% against Bitcoin over the past year, significantly outpacing Bitcoin's 88% gain. This performance has been noted by market analyst Kyle Chasse, who highlighted that Ripple's XRP has achieved this without the backing of a U.S. ETF, treasury adoption, or native DeFi yield. This contrast is striking, as Bitcoin has benefited from institutional adoption, ETFs, and corporate treasury allocations.

The XRP/BTC ratio has climbed from roughly 0.00000902 to about 0.0000303, indicating a substantial shift in value perception. This means that holding XRP has resulted in significantly more Bitcoin-year growth compared to holding Bitcoin directly. The surge in XRP's value can be attributed to intensified whale activity and favorable macro-regulatory conditions. Whales holding over 1 million XRP bought roughly 100 million coins in a short period, while those with over 100 million amassed about 1.45 billion XRP. This, combined with institutional inflows such as Teucrium’s XXRP ETF gathering over $248 million, suggests a deep and committed investment base.

The political climate in the U.S. has also played a role in bolstering XRP's narrative. A proposed federal “digital asset stockpile” under a new Trump-era strategy explicitly names XRP alongside Bitcoin, Ethereum, Solana, and Cardano. This regulatory momentum, along with technical breakouts, rising institutional demand, and ecosystem growth, has contributed to XRP's 277% outperformance of BTC. With spot-ETF approvals imminent, on-chain strength peaking, and an improving macroeconomic backdrop, XRP may be entering a sustained altcoin bull phase, distinguishing it from Bitcoin’s evolving narrative.

Ripple CEO Brad Garlinghouse celebrated the passage of the GENIUS Act, calling it a landmark win for the crypto community. The GENIUS Act delivers clear, pro-innovation regulation for the $250 billion stablecoin market, marking a significant shift from the nation’s traditionally cautious approach to crypto. The law mandates full reserve backing, audited reserves, and issuer licensing, which aligns with Ripple’s RLUSD stablecoin design. Ripple has already applied for a national trust charter, pursued a Federal Reserve master account, and partnered with BNY Mellon for reserve custody, positioning RLUSD for a first-mover advantage in a regulated stablecoin market. XRP benefits from this framework as it serves as the frictionless liquidity and settlement tool for RLUSD transactions.

While the GENIUS Act does not directly regulate XRP, it clears the way for Ripple’s RLUSD stablecoin. By aligning regulatory infrastructure, reinforcing XRP's bridge utility, and reducing SEC influence, the bill strengthens XRP’s role in regulated finance. This explains why Garlinghouse applauds the GENIUS Act passage. XRP’s 277% gain against BTC over the past year signals a radical shift, as what began as speculative momentum is evolving into recognition of institutional adoption, on-chain utility, and regulatory legitimacy. With ETF entry points, whale accumulation, and bullish technical patterns converging, XRP is increasingly being perceived as a credible contender in the digital-asset space.