Key Points XRP's potential to transform global payments has made it one of the leading cryptocurrencies in the world. Last year saw the launch of multiple exchange-traded funds that make it easier to invest in XRP. Challenging market conditions, however, could weigh down the entire crypto market in 2026. 10 stocks we like better than XRP › XRP (CRYPTO: XRP) is one of the most popular cryptocurrencies, and investors see a lot of potential in its ability to transform global trade. Last year, it hit ...

South Korea’s BC Card recently completed a pilot that lets foreign users pay local merchants using stablecoins. Tourists converted stablecoins from overseas wallets into digital prepaid cards and spent them at Korean shops without technical glitches or settlement errors. The trial tested stablecoin usage in Korea’s card payment sector while working within existing infrastructure, letting merchants receive funds through standard channels and consumers pay through familiar methods. BC Card sees this as a ...

Cross-border payment platform dLocal and Convera have announced a strategic partnership to enhance cross-border payments in emerging markets, focusing initially on Colombia and expanding to Africa, Asia, and Latin America. This collaboration aims to address the challenges businesses face when sending funds internationally, such as slow settlement times, high costs, and outdated systems, which impact efficiency and growth in cross-border payments in emerging markets. Through their partnership, Convera an ...

Ripple, the provider of enterprise blockchain and crypto solutions, has partnered with AMINA Bank, marking the first time a European bank has adopted its end-to-end payments solution.The collaboration aims to streamline cross-border payments for the Swiss-regulated crypto bank, allowing its clients to settle transactions in minutes, 24 hours a day, 365 days a year, without relying on traditional banking infrastructure.Bridging the gap between Web3 and legacy bankingFor many crypto-native businesses, moving ...

Group 1 - Visa has launched a "Stablecoins Advisory Practice" as the stablecoin market surpasses $300 billion, indicating increased engagement from banks and financial institutions with digital currencies [1] - The advisory practice is designed to meet client demand, with Visa working with dozens of early clients and expecting to expand to hundreds [2] - The advisory services include strategy development, technical architecture, operational readiness, and implementation support, helping clients assess the alignment of stablecoins with customer needs [3] Group 2 - Stablecoins are increasingly utilized for payments, cross-border transfers, and business-to-business settlements, especially in regions with currency volatility [4] - The global stablecoin market capitalization is currently at $309.85 billion, with Tether's USDT holding a 60.10% market share and a market cap of $186.23 billion [4] - Visa has been actively involved in stablecoin initiatives, including piloting USDC settlement on blockchain networks and supporting over 130 stablecoin-linked card programs across 40 countries [6] Group 3 - Visa's program is set to expand in 2026, targeting banks and financial institutions that rely on expensive correspondent banking networks [7] - The push for stablecoin adoption has been bolstered by regulatory clarity in the U.S., particularly following the signing of the GENIUS Act, which established formal rules for stablecoin issuance [7]

Key Points The daily number of XRP payment transactions is the most important metric for long-term investors to track. XRP's payment volumes can swing wildly from $396 million to $17 billion per day, making total value an unreliable indicator. Watch for sustained daily payment counts above 2 million in 2026 to confirm XRP has achieved mainstream adoption. 10 stocks we like better than XRP › As an XRP (CRYPTO: XRP) investor, it's tempting to focus on old-school financial metrics such as the price ...

Group 1 - XRP and Stellar both focus on fast, low-cost cross-border payments but target different customer segments and profit pools [1] - XRP is designed as a blockchain-based tool for regulated financial institutions to facilitate international value transfers and manage tokenized assets [3][4] - Ripple has developed the XRP Ledger into a comprehensive institutional finance stack and is actively marketing it alongside various financial services [4] Group 2 - Ripple is expanding its banking capabilities by applying for a U.S. national bank charter and acquiring Hidden Road for $1.2 billion, which clears approximately $3 trillion annually [5] - XRP's market cap is around $125 billion, positioning it as the fourth-largest cryptocurrency and indicating significant stored capital for potential user offerings [6] - The primary risk for XRP lies in Ripple's ability to execute its business plan effectively, but it currently targets a lucrative market in the fintech sector [7] Group 3 - XRP aims to enhance efficiency for financial institutions, while Stellar focuses on improving efficiency for non-governmental organizations, with the former having access to a wealthier audience [8]

MAS's approval removes regulatory barriers and creates a stable foundation for XRP growth. "MAS has set a leading standard for regulatory clarity in digital assets," Long said.MAS approval creates specific pathways for XRP to reach $4 by Q2 2026. Here's how Singapore's regulatory clarity translates into price growth.Singapore has been Ripple's APAC headquarters since 2017. MAS's clarity on digital asset regulation gives Ripple a foundation to scale services. On-chain activity in Asia Pacific climbed roughly ...

Core Insights - The rise of Bitcoin has led to an influx of new cryptocurrencies, many of which lack tangible public use and are often pump-and-dump schemes for creators and insiders [1] - XRP has emerged as a notable non-Bitcoin cryptocurrency with real-world applications, currently priced at $2.20, reflecting a 465% increase over the past three years [2] Group 1: XRP's Functionality and Market Potential - XRP aims to facilitate faster and cheaper cross-border transactions by eliminating intermediaries, which can reduce transaction costs that may reach up to 7% [4] - Despite its potential, XRP's mainstream adoption remains limited, though optimism persists due to the anticipated growth in the cross-border payments market [5] Group 2: Investment Considerations - Analysts from The Motley Fool Stock Advisor have identified ten stocks they believe are better investment opportunities than XRP, suggesting caution for potential investors [6][7] - Historical performance of stocks recommended by The Motley Fool indicates significant returns, with examples like Netflix and Nvidia showcasing the potential for high returns [7][8]

Core Insights - Not all cryptocurrencies have a legitimate purpose, leading to extreme volatility and difficulty in maintaining gains, with XRP being an exception due to its role as a bridge currency for the Ripple Payments network [1] - XRP experienced a significant price increase following a regulatory win in the U.S., reaching a seven-year high, but has since declined over 40% from its peak [2] - The Trump administration is expected to continue supporting the crypto industry, which may benefit Ripple Payments and potentially drive XRP's price above $5 next year [3] Company Overview - Ripple Payments facilitates direct communication between banks, allowing for instant transfers and reducing costs associated with intermediaries in cross-border transactions [4] - XRP was designed to standardize transactions, enabling banks to send XRP tokens instead of local currencies, significantly lowering foreign exchange fees [5] - The total supply of XRP is 100 billion tokens, with 60.3 billion in circulation and 39.7 billion held by Ripple for gradual release to meet institutional demand [6] Regulatory Context - Ripple has resolved its legal battle with the U.S. Securities and Exchange Commission (SEC), which previously argued that XRP should be classified as a financial security [6] - The recent regulatory environment may lead to lighter regulations for XRP, potentially enhancing its viability as a payment mechanism [7]