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In the world of cryptocurrencies, having a head start can be a huge benefit. This is the case of Ripple Labs, the blockchain company based in San Francisco, which is currently valued at more than $40 billion.
After years of conflict with the SEC, the entity is experiencing a better regulatory climate under Trump’s leadership. Since the US presidential election, the value of xrp, the altcoin launched by Ripple in 2012, has been above $2, a level not seen since the blockchain boom of 2017.
But, is there a real use case for xrp?
Payment corridor for XRP
Heidi WangCEO of cryptocurrency liquidity provider Block Street, says that the following of Ripple in America may be growing now, but it already has influence in other parts of the world.
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Wang told BeInCrypto that “In the United States it was more restricted than the entire history of the sec, so the interest was inclined towards the retail and offshore markets. Historically we see a good impact of XRP in Japan, parts of East Asia, and some heavy corridors of remittances like the Philippines or Latin America via the partners.
There’s no denying that’s where the investors have been They used xrp in the past year. Since Trump’s election in November 2024, the price of XRP has risen from $0.50 to $2.15, an increase of 330%.
“Bitcoin is considered ‘digital gold’, Ethereum is known for smart contracts. XRP gets its value from cross-border payments,” said CPA Gregory Monaco, who heads a CPA firm that bears his name.
Monaco confirmed 300 financial partners of Ripple in 45 countries and $15 billion in annual cross-border payments as key indicators of its use.
It is possible, therefore, that there is a company behind the cryptocurrency, like Ripple, with real work and effort to achieve a significant payment corridor.
“If Ripple continues to accumulate licenses and integrate banks/fintech, xrp can survive as a niche financial pipeline,” added Block Street’s Wang.
Crossing the border is not simple
phrase “Cross-border payments“It might sound like a lot of administrative talk. But ask anyone who has sent money from one country to another, and it becomes clear that this is a problematic process. It can be slow. It can be expensive.”
The process also requires currency exchange. Cryptocurrencies like XRP are borderless, global and cheap. It is to reduce the dependence of traditional financing on regular payment systems.
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However, “hope” alone does not mean this XRP Valuation Clearly related to the payment use case, noted Paul Holmes, a researcher at BrokerListings.
“XRP is still very much a speculative asset,” Holmes told BeInCrypto. “In general, with cryptocurrencies, the valuation is not supported by its own income stream, so it is a function of generating and reallocating liquidity from other stores of value.”
It may be that cryptocurrency investors andOld whales simply collect more XRP Because Ripple Labs, as the majority shareholder in cryptocurrency, appears to be a well-established crypto company.
Recently streaming $500 million in capital to Ripple From Fortress Investment Group and Citadel Securities to a valuation of $40 billion, this certainly reflects this.
XRP as an ETF catalyst
CoinShares, based in the United Kingdom, has recently canceled from launching a product XRP ETF In the United States, that would probably have increased the demand of investors who stick to the public markets.
Holmes of BrokerListings said that “CoinShares likely pulled away because the SEC did not give XRP the regulatory clarity that would make it ETF-ready.”
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It is important to remember that CoinShares has also decided not to launch ETFs in Solana or Litecoin, so it is not only XRP that hesitates to launch these cryptocurrency-backed products.
She said Raquel Amanda“XRP is already being used to transfer value between currencies, stablecoins, and in a growing range of tokenized financial assets on the network,” said Ripple’s senior communications officer. “As the ecosystem grows, the need for fast and neutral settlement increases, and we see XRP naturally continuing to fill that role,” he said.
Data from CoinGecko estimates that the price of XRP has grown by more than 36,000% since it was first listed on exchanges on August 3, 2013.
BrokerListings’ Homes noted that the irony of using a speculative asset for payment is not lost.
“Activity on the chain shows that there are between 50-55 million XRP transactions per month, most of which are payments,” he explained. “XRP is still used as a speculative asset for many rather than an instrument and cannot be considered a reliable store of value,” he noted.
Ripping at the moon?
Although it may be difficult to use a volatile asset like XRP as a payment method, it should be remembered that many cryptocurrencies, like XRP, are very divisible and fast.
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XRP is essentially ” Programmable moneyThe code can be executed to use XRP in the required amounts based on its current price.
And for High level institutional paymentsin which XRP is used, it does not matter much what the back looks like as long as the funds reach their destination.
Although stablecoins may be popular for personal use and trading, XRP acts as a kind of logistical money carrier for companies that need to move value around the world.
This explains why according to CPA Monaco, 58% of the activity on the network comes from just ten wallets.
The reason for this use, as well as the battle of Ripple Labs, now over with the SEC, can be considered a long-term optimistic narrative.
At the beginning of 2024, The network had more than 5 million XRP wallets. After Trump’s victory, on November 13, 2024, the trading app Robinhood re-listed XRP in the app.
In May 2025, Ripple Labs agreed to a $50 million settlement in its dispute with the SEC, ending a long-standing quagmire that could have hindered XRP for some time.
XRP does not need a CoinShares ETF, as there are already nine direct products on the market with total assets under management (AUM) of $1.1 billion.
The XRP Army, as avid investors of the chain like to call it, sees many reasons to be optimistic about the future and less worried about the risks – more than ever.
