XRP is used on the Ripple network and is known for its practical uses in finance. It has had a great year, rising in price and bucking trends. We discuss it in the article below.
The XRP Price Surge
A major part of this surge has been down to the possible inclusion of a spot XRP ETF, which is currently being considered by the Securities and Exchange Commission. Bitcoin and Ethereum ETFs had been given the go-ahead the previous year. With a new administration in the US that is more crypto-friendly, a wave of applications has now hit the SEC to allow the offering of similar products using XRP.
This would previously have been unthinkable, as XRP and the SEC had been locked in a legal battle over the classification of the coin. Statistics online suggest that an XRP ETF may be green-lit by next year, with a success rate of 87%. At the time of writing, the XRP to USD rate is at $2.45. This signals the near peak of a currency which has outperformed almost everything else in 2025. In the last five months alone, it has climbed 400% and is up 20% at the start of the year. Since the SEC dropped its lawsuit, it has risen by 10%.
Part of the appeal is that the token also has real-world applications. It is used for the transfer of value across the Ripple network. This can be used to save time and money when making international transactions. In fact, they can be executed in a matter of seconds, not the days it would take when using traditional banking routes.
This is one of XRP’s main advantages and selling points. Known as settlement finality, it can be executed in between three to five seconds, as opposed to the days involved in traditional finance. Added to this are the transaction costs of around 10 cents. Not only does this keep prices low for consumers, but it makes a huge difference for companies that handle multiple cross-border payments.
What Could Push XRP Further?
Huge things are being predicted online for XRP. Calls for it to reach $100 by the year's end are not uncommon, though few cryptocurrencies have ever made that type of gain in the past. Added to this is the fact that cryptocurrencies are notoriously volatile. This must be considered before any investment.
It is also worth noting that the initial hype that pushed the coin's value so high has died down, and XRP remains strong. The all-time high for the coin was $3.84 back in 2018. If it is to make this by the end of 2025, then it will need at least 60% of a rise in value.
This is possible, but only if certain factors come into play. The first is that the Spot XRP ETF is given the go-ahead. With nine investment firms already submitting proposals, and a crypto task force installed in the SEC, it seems positive.
The second factor is whether XRP will be added to the US Strategic Reserve of Cryptocurrencies. This was announced in March and was said to hold Bitcoin, Ethereum and a few other altcoins. XRP was included, and subsequent news and meetings suggest it will play a key part. Once this is confirmed, any confiscated XRP will become US property. This will undoubtedly raise its price. However, the real defining factor will be if the US government decides to buy XRP to add to this.
The Introduction of XRP Stablecoins
A stablecoin is a cryptocurrency designed to maintain its value. They are often pegged to the value of a commodity, such as gold, or a fiat currency like the USD. They are useful as they can hedge against the volatility of cryptocurrency, making them more appealing to traditional financial institutions. Stablecoins now have a market cap of around $200 billion.
Last year, Ripple brought in its own stablecoin named RLUSD. It is pegged to the price of the USD. The aim is that it will be able to be used in B2B and B2C instances, in the already existing forum of cross-border transactions for which XRP has been famous.
It is live on both the Ethereum blockchain and the XRP ledger. This allows it to be used in decentralized finance on both blockchains with Ripple’s approval. It has also been given approval by the New York Department of Finance Services.
Intruding these stablecoins and further use of them can only suggest that XRP will continue to rise in value. As a viable financial tool, businesses are losing out by not using it. This may be a solid time to consider XRP as a long-term investment.
Conclusion
XRP has proven itself to be more than just a speculative asset—its strong utility in cross-border payments, recent regulatory wins, and the potential inclusion in ETFs and government reserves point toward a maturing and increasingly relevant digital currency. With its price surge in 2025 and the introduction of stablecoin RLUSD, XRP is positioning itself as a formidable player in both decentralized and traditional finance landscapes. While ambitious predictions exist, the coin’s real-world applications and growing institutional interest make it one to watch closely.
Disclaimer
The content provided in this article is for informational purposes only and does not constitute financial, investment, or trading advice. Cryptocurrency markets are highly volatile and subject to regulatory uncertainty. Readers should conduct their own research or consult with a qualified financial advisor before making any investment decisions. The author and publisher are not responsible for any financial losses or gains incurred as a result of using the information presented.
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