Thu Jul 17 06:00:00 UTC 2025: **Summary:**

Despite ongoing criticism regarding its lack of clear use cases, XRP has surged in the current bull market, becoming the third-largest cryptocurrency by market capitalization. Its recent 30% gain is attributed to rising institutional interest, strong liquidity, and Ripple’s strategic alignment with ISO 20022, a new global standard for financial messaging. Ripple’s efforts to integrate with regulated financial infrastructure, launch a dollar-pegged stablecoin (RLUSD), and secure regulatory approvals, including a potential national bank charter, are also contributing factors. Furthermore, several public companies are starting to hold XRP as a treasury asset, and XRP ETFs are gaining traction in Canada and the US, signaling a shift from speculation to strategic investment. While the utility of XRP is debated, Ripple’s regulatory-compliant and institutionally-palatable approach resonates with the market.

**News Article:**

**XRP Soars Amid Institutional Interest, Challenging “No Use Case” Narrative**

*Cointelegraph – [City, Date]* – XRP, the cryptocurrency often criticized for its lack of practical applications, has defied its detractors with a remarkable surge in value, now claiming the title of third-largest cryptocurrency by market capitalization. Over the past week, XRP has jumped over 30%, outpacing both Bitcoin and Ether.

This surge is fueled by a potent combination of factors, primarily increasing institutional interest driven by Ripple’s alignment with ISO 20022, the new global standard for financial messaging. This strategic positioning enables RippleNet to connect to real-world financial infrastructure through solutions like Volante Technologies’ Fedwire-as-a-Service, potentially opening doors for XRP settlement within regulated frameworks.

Ripple’s commitment to regulatory compliance is further cemented by its launch of RLUSD, a dollar-pegged stablecoin, and its applications for a national bank charter and a Fed Master account. These moves signal a strong intent to operate within established financial systems.

Beyond speculation, a growing trend of public companies treating XRP as a treasury asset is adding further validation. Nasdaq-listed companies like Trident and Webus are allocating significant amounts to XRP reserves, potentially using the cryptocurrency for cross-border payments in the future.

While spot XRP ETFs are still under review in the US, Canada has already approved and launched spot XRP ETFs, rapidly accumulating significant assets under management. The NYSE has also approved the listing of an XRP futures ETF, further signaling increased institutional involvement.

Despite ongoing debates about XRP’s true utility, Ripple’s proactive approach to regulatory compliance and its strategic alignment with institutional finance are resonating with the market, solidifying XRP’s position as a contender in the evolving cryptocurrency landscape.

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