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$XRP Ripple is expanding its role in modernizing global payments, with over 300 financial institutions now using RippleNet. XRP stays positioned at the heart of Ripple's long-term interoperability goals.
⭐ Ripple is ramping up its push into global payments as the company puts its technology front and center of next-generation cross-border transaction standards. More than 300 financial institutions already rely on RippleNet, showing serious adoption of the company's infrastructure for faster and more transparent transfers. The bigger picture here is Ripple's ongoing work supporting ISO 20022, which is becoming the global messaging standard for modern payments.

⭐ The world's financial system is shifting toward unified interoperability, with old-school fragmented processes just not cutting it anymore for digital commerce. ISO 20022 is already getting adopted in 70 countries and is expected to handle around 87% of global financial transactions by 2023. RippleNet is set up to help institutions connect to standardized APIs, cut down on operational headaches, and tap into a global network with consistent rules. XRP remains a key player in Ripple's ecosystem, built to support efficient and scalable transfers across borders.
⭐ The company pointed out that its role in the ISO 20022 Standards Body lets it directly shape the future of cross-border payments. Ripple shared examples from partners who noted that remittance flows keep growing and better digital infrastructure is needed to unlock new revenue opportunities. With more than 45 countries and six continents represented in RippleNet's network, there's clearly growing demand for transparent settlement, faster liquidity movement, and less friction in international payment corridors.
⭐ Ripple's expanding position in global finance shows a broader shift toward advanced digital payment systems as institutions work to modernize their networks. The continued adoption of RippleNet and interest in ISO 20022-aligned platforms signal a real move toward unified standards, efficient settlement paths, and scalable distributed systems. As the financial sector adapts to these trends, assets like XRP remain closely watched for their potential role in this rapidly evolving cross-border infrastructure landscape.

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$XRP Forbes has released a new assessment of XRP’s long-term outlook, offering a conservative projection for 2030 at a time when the broader digital asset market continues to face instability.
Despite entering 2025 with considerable strength, XRP has struggled to maintain its earlier performance, prompting renewed debate about its long-term value.
At the beginning of the year, XRP had risen significantly, advancing more than 580% from November 2024 and reaching a high of $3.40 in January.
The asset has since retreated toward the $2 range and recently slipped below that threshold. Analysts expect that a recovery could occur once broader market conditions improve, though the timing remains uncertain.
⭐Regulatory Clarity and Market Transition
In its latest analysis, Forbes contributor Zennon Kapron argues that XRP entered a new period in 2025 following the resolution of its long-running dispute with U.S. regulators. Ripple and the U.S. Securities and Exchange Commission agreed to withdraw their appeals in August 2025, preserving the 2023 court ruling that held XRP’s exchange-based transactions outside the scope of securities regulation.
According to Forbes, the removal of this legal uncertainty has shifted attention away from regulatory risk and toward practical utility. Kapron notes that XRP will now need to demonstrate sustained real-world usage, supported by deeper liquidity, expanded payment corridors, and broader integration with traditional financial services. These elements, he asserted, will heavily influence any credible long-range price assessment.
⭐Key Drivers That Could Influence XRP’s Outlook
Kapron identified several factors that could support future growth. One of the most significant is the global remittance market. Data cited in the report indicates that low- and middle-income countries received about $685 billion in remittances in 2024, with average fees near 6%. These costs reduce the funds available to families relying on international transfers, creating demand for more efficient payment rails.
According to the analysis, XRP’s ability to facilitate cross-currency transactions without requiring pre-funded accounts positions it as a viable option for reducing transfer expenses. However, Kapron emphasizes that regulators and financial institutions will play a central role in deciding whether solutions based on XRP, stablecoins, or central bank digital currencies become dominant by 2030.
Liquidity remains another critical component. Citing Kaiko’s market data, Forbes highlighted a measurable improvement in order-book depth during late 2024 and early 2025. This development supports stronger execution quality, which is essential if major institutions consider incorporating XRP into their operations.
At the time Kapron conducted the analysis, XRP was trading near $2.96 with a market capitalization of roughly $176 billion. The asset has since fallen to $1.93, lowering its valuation to about $117 billion.
⭐Growing Utility Through Ripple’s Network
Kapron also examined developments within Ripple’s payment ecosystem. The report highlighted SBI Remit, which facilitates real-time transactions to several Asian markets, including the Philippines, Vietnam, and Indonesia, using XRP as a settlement asset. Additionally, Onafriq, a payments provider active in 27 African nations, has adopted Ripple’s technology to support regional transfers.
Forbes indicates that broader participation from banks, fintech companies, and payment processors could materially increase XRP’s transaction volume over time, strengthening its underlying demand profile.
⭐Forbes’ 2030 XRP Projection
For its 2030 forecast, Forbes referenced a Finder panel that estimated an average XRP price of $5.25 by the end of the decade. The same panel predicted a value of $2.80 by the end of 2025. These estimates sit well below the expectations of analysts who believe XRP could reach double-digit levels or higher. For example, Changelly’s outlook places XRP at a potential $25 by December 2030.
The report also acknowledges that new investment products could affect future valuation. Spot XRP ETFs are viewed as a potential catalyst for increased retail access and institutional inflows. Several firms have submitted filings, and interest has grown following the introduction of recent products.
Canary Capital launched its XRP ETF on November 13 and has already attracted more than $300 million in inflows. Bitwise followed with its own offering on November 20, while Grayscale’s product is scheduled for release on November 24.
Kapron concluded that XRP’s long-term performance will largely depend on how much payment activity ultimately relies on the token.
Forbes noted that although XRP now operates with more regulatory certainty than in prior years, it still faces competition from stablecoins and central bank digital currencies, which could shape its adoption trajectory through 2030.

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$XRP A recent post on X created new interest in XRP after crypto pundit XRP Update (@XrpUdate) shared an image from CoinMarketCap. The snap showed a new category called ISO 20022 coins, with XRP in the first position.
The post placed clear focus on XRP’s spot in the category. He noted that the asset is leading the pack. The update arrived at the same time as the global ISO 20022 shift. Many market participants want to understand how digital assets may connect to that change.

⭐The Transition to ISO 20022
ISO 20022 is a modern messaging standard for financial transactions, including payments. Banks and payment providers are transitioning from older MT messages to new MX messages, which carry more structured data. This move improves payment accuracy to build a clear format for instructions, account details, and reporting.
SWIFT’s deadline for this transition was November 22. This transition is expected to continue across the financial world. Banks must adopt the new format to avoid failed messages. Many experts now see this transition as XRP’s path into the global monetary system.
⭐ISO 20022 and XRP
The standard does not alter how a blockchain works. It only affects how institutions send and receive payment messages. Ripple built its technology to match ISO 20022 requirements. RippleNet can send messages that follow the new format, which prepares the system for banks that complete their migration.
XRP itself is not ISO 20022 compliant. No cryptocurrency is. However, the compliance of Ripple’s systems creates a path for XRP to move within financial systems that use the standard. It also supports possible interaction with SWIFT-linked networks that expect ISO 20022 messaging.
⭐XRP’s Role Within Payment Networks
Ripple developed its tools to help institutions move money across borders speedily and at low cost, while XRP was built to solve the global payment problem for banks. These tools can use XRP as a bridge asset. When banks use Ripple’s technology, they can send ISO 20022-ready messages, which helps them stay aligned with global standards.
This gives XRP a possible place in future payment flows. It also explains why the asset stands out when people discuss the shift to structured messaging. XRP Update’s post highlighted the asset’s position at the top of CoinMarketCap’s new category.
The image also showed several other tokens. Stellar (XLM), Hedera (HBAR), Internet Computer (ICP), Algorand (ALGO), and Quant (QNT) make up the list. These networks each build features that support enterprise or payment activity. However, XRP is the closest asset to ISO 20022 compliance, which explains its position at the top.

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$XRP Versan Aljarrah, founder of Black Swan Capitalist, has issued a firm view on the future of XRP. He stated that “Holding XRP is basically owning a seat on the lifeboat before everyone realizes the ship is sinking.”
His statement gained traction because he sees XRP as an asset that can withstand a sharp reset in financial markets. He added that “When the debt bubble pops and the speculation layer collapses, XRP won’t follow the market, it will separate from it.”
He believes that XRP will act as an asset with unique resilience during periods of financial stress. His comments also suggest that XRP could become a major tool in global finance after this reset.

⭐Expanding XRP’s Role In Finance
Ripple advanced several initiatives in 2025 that increased confidence among its supporters. The company launched upgrades to the XRPL. Developers gained access to new features that improved asset issuance and liquidity tools. They also have access to smart contracts through an EVM-compatible environment.
Ripple also integrated prime brokerage services after it acquired Hidden Road. Hidden Road has since been rebranded to Ripple Ripple Prime. This effort shows an intent to deepen XRP’s role in institutional settlement.
These moves strengthened the view that XRP can support high-volume payment activity. They also backed Aljarrah’s argument that the digital asset holds value through utility rather than speculation.
⭐Rising Institutional Interest in XRP
XRP ETFs expanded in the U.S. this year. The REX Osprey fund marked the first launch, followed by new products from Canary Capital and Bitwise. Major financial giants, such as Franklin Templeton and Grayscale, are set to launch their products soon. These will help expand XRP’s institutional reach.
These funds increased regulated access to XRP. They also increase trading volumes as investors seek exposure through established financial platforms. Market participants have anticipated spot XRP ETFs for years. These products can significantly impact the asset’s price.
⭐Outlook for XRP
Aljarrah set a strong view on XRP’s future role in a market that may face stress. He believes that utility-driven assets can gain attention during uncertain periods. Many experts believe a major global financial reset is coming. They also think that the digital asset will dominate the new system once the dust settles.
XRP has hit many new milestones in 2025. These developments support the idea that the asset can stay relevant during market stress.

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$XRP Amonyx (@amonbuy), a well-respected figure in the crypto space, has shared amazing news for the XRP community.
He posted images that show two key approval letters from NYSE Arca. The letters confirm that Franklin Templeton’s spot XRP ETF and the Grayscale XRP Trust ETF both secured approval for listing.
The announcement arrives at a time when interest in regulated XRP investment products is rising rapidly. These products were approved on November 21, 2025, and outline direct confirmation from NYSE Arca to the SEC. The market has waited for this step for months, so the confirmation carries weight for investors monitoring XRP’s position in the expanding ETF landscape.

⭐More XRP ETFs On the Horizon
These approvals mark a significant shift for both firms. They now move from the filing phase into the listing stage. Franklin Templeton has positioned its XRP ETF as part of a broader expansion into digital asset products. Market participants initially anticipated the launch on November 18, but the 20-day timeline before listing elapses on November 24.
Grayscale’s product is expected to launch on November 25, as the firm plans to convert its existing trust to an ETF. The approval letter supports its exit from the trust-only structure. The shift prepares the product for a more competitive position in the market as ETF liquidity features come into play.
The confirmation from NYSE Arca strengthens confidence in both launches. The exchange has become a primary venue for spot crypto ETFs in the U.S., and this rapidly growing market could impact XRP.
⭐The Importance of XRP ETFs
These new ETFs help XRP by offering regulated, on-ramp exposure. Through these products, U.S. investors can now gain exposure directly without holding tokens. This approach boosts XRP’s legitimacy and institutional demand.
Several XRP products have already launched. Canary Capital’s XRPC began trading on November 13. Bitwise’s XRP ETF went live on November 20. There’s also XRPM, a 3% monthly premium income ETF from Amplify. Grayscale and Franklin Templeton are set to join this growing list of ETF issuers.
Together, these products create multiple entry points for different types of investors. They support traders, long-term holders, and yield seekers. That inflow could tighten XRP’s supply and deepen liquidity. This could push up its price over time as capital pours into regulated XRP vehicles.

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