XRP Surges 1.224% Amid CEO's Scam Warning

XRP's latest price was $3.18, up 1.224% in the last 24 hours. Ripple’s Chief Executive Officer (CEO), Brad Garlinghouse, has issued a serious warning to XRP investors amid a surge in scam activity targeting investors across social media platforms like YouTube. The alert follows increasing reports of fraudulent accounts impersonating Ripple and its executives, with the aim of tricking users into sending their XRP. On July 23, Garlinghouse took to social media to raise the alarm on a sharp rise in XRP scams, urging investors and community members to stay alert. According to the Ripple CEO, scammers are capitalizing on market momentum and community excitement to ramp up impersonation schemes, particularly targeting unsuspecting XRP holders. One of the most notable developments flagged by Garlinghouse is a recent surge in fraudulent activity on YouTube, where scammers have taken over existing channels, rebranded them to resemble recognized Ripple accounts, and begun promoting misleading content that impersonates the crypto company and its executives. In its official social media account, the Ripple team stressed that these YouTube accounts are legitimate and do not belong to the crypto firm, despite appearing convincing. In many cases, the usernames have been altered to mimic the company’s official handles, often making it difficult for unsuspecting users to identify the deception. These scam videos frequently promise giveaways, rewards, or investment multipliers, usually asking users and investors to send XRP in exchange for a larger return. Garlinghouse has emphasized that neither he nor Ripple will ever request XRP from anyone under any circumstances. To combat the growing threat of skyrocketing crypto scams, Ripple is actively and aggressively reporting these fraudulent accounts and encouraging its community to do the same. The company has reiterated that its official channels remain the only trusted sources of communication and provides a direct reminder to always verify account handles and links before engaging. Notably, Garlinghouse concluded his post with an important reminder to stay vigilant against avoidable losses. He warned that “if it sounds too good to be true, it probably is.” Beyond the immediate focus on the YouTube impersonation scams, Garlinghouse’s report touches on a broader trend of escalating crypto fraud that tends to spike during periods of market recovery or growing optimism. This pattern, described by the Ripple CEO as “like clockwork,” suggests that malicious actors closely monitor community sentiment and time their campaigns to exploit emotional and financial excitement. In a broader context, the rise in XRP scams has coincided with the recent surge in the altcoin’s price to above $3.6. Additionally, they come after bullish news like Ripple’s growing regulatory clarity and legal win against the US SEC. As the XRP price inches closer to ATH levels and gains more momentum, bad actors are leveraging this wave of optimism to cast a wider net, targeting investors through sophisticated scams and fraudulent schemes.

The XRP community is again supporting its project hardly as @sprauy released a bold timeline outlining Ripple’s potential roadmap through the rest of 2025 – and beyond. The thread, which quickly caught fire on Crypto Twitter, lays out a detailed, phase-by-phase breakdown of what could become a global financial reset powered by XRP. From regulatory clarity to institutional onboarding and ETF approval, this roadmap positions XRP at the center of a seismic shift in how money, debt, and commodities move through the global financial system. Let’s break it down month by month. According to Sprauy, Phase 1 is already underway. In July, the long-standing legal battle between Ripple and the SEC reportedly reached a conclusion. A formal termination and memo filing marked the end of litigation. At the same time, the Genius Act was signed into law, activating new Treasury Digital Asset Rails. These rails are designed to bring sovereign-grade liquidity to the blockchain – and XRP is front and center. Phase 2 will focus on public confirmation. Either Ripple or the SEC is expected to confirm the case closure in August, making it clear to the broader market – including media and investors – that XRP is no longer under legal threat. Then, in September, comes Phase 3: the Clarity Act is expected to be signed by President Trump, officially classifying XRP as a non-security. This legal shield would open the floodgates for XRP to be used in ETFs, pensions, and sovereign wealth funds. Even bigger? The debut of RLUSD – a Treasury-backed digital dollar that runs on XRP rails. This new stablecoin aims to tokenize U.S. debt for global deployment, enabling real-time, FX-agnostic cross-border payments with no middlemen involved. With legal clarity in place, Phase 4 kicks off. Banks, asset managers, and payment networks like SWIFT are expected to begin onboarding XRP infrastructure. This means ETFs, cross-border settlements, and capital markets can finally start using XRP legally and openly. Institutional capital will have the greenlight to deploy at scale – a scenario the XRP community has been waiting on for years. Phase 5 marks the start of a broader liquidity injection. Ripple’s Liquidity Hub and On-Demand Liquidity (ODL) corridors will expand aggressively. This phase also introduces a futuristic concept: tokenized U.S. debt meeting tokenized gold. According to Sprauy, this is where a repricing of gold could begin, creating a stable, trust-based financial layer with XRP at its core. In Phase 6, XRP ETFs finally become a reality. Spot and index ETFs would allow traditional investors to gain exposure to XRP, further boosting demand and price discovery. Meanwhile, the so-called “Tether & Shadow Bank endgame” plays out. Offshore liquidity gets shut down. The Genius Act and Clarity Act combine to force capital into regulated, sovereign-compliant rails – of which RLUSD and XRP are central components. If all goes to plan, Phase 7 would begin early next year, leading into what Sprauy calls the World Financial Reset. XRP becomes the world reserve currency, XRPL evolves into a new global financial system, Ripple transforms into the new Fed and World Bank, XDC rises as the backbone of world trade finance. It’s an ambitious vision, no doubt. But whether you’re a skeptic or a believer, one thing is clear: XRP’s roadmap is bigger than just crypto. It’s aiming to rebuild the foundation of modern finance. Stay tuned.

Significant transfer activity involving XRP occurred in late July 2025, linked to Ripple co-founder Chris Larsen. Approximately 50 million XRP tokens originating from an address associated with Larsen were moved to four different addresses over several days. A substantial portion of these tokens, valued at approximately $140 million, was subsequently directed towards cryptocurrency exchanges and service platforms. Simultaneously, development within the XRP ecosystem continued, marked by the introduction of new utility options. Find Mining announced the launch of its "Pay with XRP" feature, enabling global users to utilize XRP for accessing mainstream cryptocurrency mining services. This initiative represents an expansion of real-world use cases for the digital asset. A comprehensive roadmap for XRP development through 2025 and into early 2026 has gained prominence within the community. Proposed by Ripple developer @sprauy, this phased plan positions XRP as a cornerstone of global finance. Key near-term milestones include the anticipated conclusion of Ripple’s legal battle with the U.S. Securities and Exchange Commission (SEC) in July 2025. Subsequent steps involve leveraging legislation such as the expected activation of Treasury Digital Asset Rails under the Genius Act and seeking non-security classification for XRP via the proposed Clarity Act around September 2025. The roadmap anticipates that resolving regulatory hurdles will unlock significant institutional access. This could facilitate XRP’s integration into Exchange Traded Funds (ETFs), pension funds, and enhance its role in cross-border settlement systems. Infrastructure development is also a cornerstone, featuring the planned launch of RLUSD, a Treasury-backed stablecoin. Further strategic initiatives involve the tokenization of traditional assets like U.S. debt and gold, aiming to build a decentralized financial infrastructure layer. Long-term goals envision the XRP Ledger becoming a foundational global finance component and XRP evolving towards a potential role as a global reserve currency by early 2026. Execution of this vision heavily depends on regulatory outcomes and institutional adoption. While progress is noted, such as Ripple's reported $50 million investment into payment network integration, regulatory clarity remains crucial. Recent events like the SEC’s delay of a crypto ETF application reportedly caused market sensitivity, highlighting ongoing uncertainty. Analyst sentiment varies regarding the feasibility of XRP reaching substantially higher valuation tiers like $30, often citing ETF approvals and expanded utility as potential catalysts. Community discussions also center on strategic profit-taking during periods of high volatility expected throughout the latter part of 2025.