XRP News

In the crypto market there is always too much focus on price. Price is important but it can also be a distraction. Today, we’re going to zoom out and take a look at the bigger picture; what the tech pioneers are building; so we can get a clue at what the future looks like…

First, let’s review what Ripple have been doing for the last few years:

May 2023 - Ripple buy Metaco for $250 million, a digital custody provider based in Switzerland with a focus on EU markets.

June 2024 - Ripple buy Standard Custody for $250 million, a digital custody provider with a focus on US markets who are able to strengthen regulatory licences and product offerings.

April 2025 - Ripple buy Hidden Road for $1.25 billion - a prime brokerage firm to scale XRPL and stablecoin adoption.

August 2025 - Ripple buy Rail for $200 million - a stablecoin payments platform.

October 2025 - Ripple buy GTreasury for $1 billion - treasury management systems provider so Ripple enters the corporate treasury market. They are taking on SWIFT directly by buying the company that handles the bank end payments for corporations.

Ripple have spent nearly $3 billion on acquiring businesses that will help them scale into the leading payments business on the planet. Ripple’s software coupled with XRP enables institutions to move money around the planet like email with real time settlement on the back end costing pennies. Trillions of dollars are moved around the planet on a daily basis. Currently the systems they use are slow, expensive and error prone. Ripple and XRP is disrupting the multi trillion dollar payments industry.

So what are we waiting for?

1. Testing: all software requires a lot of testing before being ready for launch, especially when you are talking about the new global financial system. During the last ten years Ripple has partnered with the world’s biggest institutions and banks to implement and test their technology. We’re talking about the Bank for International Settlements (BIS), IMF, Bank of England, Bank of America, American Express, Standard Chartered, Santander. Ripple has well over 300 partners.

2. Regulation: financial institutions are risk adverse and will only move when the regulatory framework is in place. Regulation was always going to be a big battle with the powerful institutions having so much to lose but now with a new crypto friendly government in place we’re seeing regulation being passed. First we had the All we need now is the Clarity Act to be passed and the regulation box should be ticked.

3. New financial rails: on November 22nd 2025, ISO20022 goes live. After a staggered deadline and many false starts this is the final deadline for which all banks and institutions have to be compliant. ISO20022 is the new messaging system which SWIFT, CHAPS (UK), Fedwire (US), TARGET2 (EU), have to use. It updates the system to a modern tech stack making it interoperable across all networks. XRP, XLM, QUANT, ALGO, IOTA and HBAR are the ISO20022 compliant digital currencies.

4. The narrative: most people are not paying attention and will need to be fed a story as to why the financial system is changing. This is why I anticipate an event. First you need a problem which will be a financial crisis i.e. Japan reverse carry trade unwinding. Then you have the reaction which will be financial turmoil as liquidity dries up. Finally you present the solution: the new financial system which allows for liquidity to flow freely around the planet instantly for pennies which will release the $27 trillion locked in the Nostro / Vostro accounts. Note: Nostro / Vostro accounts is where financial institutions park their capital in different jurisdictions in the world so they can keep their banking operations liquid. They have to park it as currently it takes days to move money from one jurisdiction to another.

News just in today: Ripple involved in raising $1 billion of capital for Evernorth Inc to become the largest XRP treasury company. Former Ripple employee Asheesh Birla is the CEO of Evernorth and former Ripple CTO David Schwartz is advising. Evernorth is listing on the NASDAQ. Looks like Evernorth are going to hoovering up most of the XRP left available on the market.

So these are some of the dots we’ve been connecting over the years. Is the picture becoming clearer? I believe we are invested in a once in a lifetime opportunity. Imagine being offered a piece of the Federal Reserve Banking System back in 1912 - a system that will run the financial system for the next 100 years. The new financial system is built and the reset is upon us. That’s the opportunity we have today. Patience is the only virtue you require. HODL tight.