Key Points Investors rejoiced last year when payments company Ripple settled its long legal battle with the Securities and Exchange Commission. The settlement sent Ripple's XRP cryptocurrency soaring to a seven-year high, but the euphoria was short-lived. XRP is currently down almost 50% from its recent peak. 10 stocks we like better than XRP › The XRP (CRYPTO: XRP) cryptocurrency soared to $3.65 per token last July, marking the highest price since 2018. Investors were bullish because its parent ...

The XRP price surged nearly 3% on Thursday, bringing the psychologically significant $2 level within striking distance. The move comes amid Ripple’s aggressive expansion of its digital asset ecosystem, highlighted by a strategic partnership with DXC Technology (DXC). XRP Price Eyes the $2 Mark As Ripple Expands Banking Reach As of this writing, the XRP price was trading for $1.96, just shy of the $2 threshold after a 2.95% climb in the last 24 hours. Ripple (XRP) Price Performance. Source: BeInCrypto T ...

Ripple has no plans to pursue an initial public offering, President Monica Long said, reiterating that the company prefers to stay private as it expands through acquisitions and product development. “Currently, we still plan to remain private,” Long said in a Tuesday interview with Bloomberg, arguing Ripple does not need the liquidity or capital access that typically drives IPO decisions. She said the company is well-positioned to fund growth internally without relying on public markets. The comments fol ...

Core Insights - Ripple launched a stablecoin called Ripple USD in 2024, which is designed for payments with virtually zero volatility, contrasting with the significant price fluctuations of XRP [1] - XRP ended 2025 in a negative position due to structural issues, as banks can utilize Ripple Payments without needing to use XRP, limiting the token's value growth [2] - XRP had a strong year in 2025, with the U.S. SEC settling its legal battle against Ripple and the approval of spot XRP exchange-traded funds, leading to a record high for the token [3] Ripple and XRP Overview - Ripple operates the Ripple Payments network, enabling global banks to conduct instant cross-border transactions, using XRP to standardize transactions and reduce foreign exchange fees [4] - The total cryptocurrency market value was $3.1 trillion at the start of 2026, down 28% from its all-time high, indicating a challenging environment for cryptocurrencies including XRP [5][6] Comparative Analysis of Cryptocurrencies - Bitcoin, XRP, and Dogecoin all faced losses in 2025, with Bitcoin holding a market cap of $1.8 trillion, representing over half of the total cryptocurrency market [10] - Bitcoin is viewed as a digital version of gold, with attributes such as decentralization, capped supply, and a secure blockchain system contributing to its perception as a store of value [11][12] - Predictions suggest Bitcoin could appreciate significantly, with estimates of reaching $21 million per coin by 2045, although current usage as a payment mechanism is limited [13][15] Future Outlook - Bitcoin is considered to have the best potential for positive returns in 2026, while XRP and Dogecoin face ongoing structural challenges that may hinder their value [14] - The Motley Fool's Stock Advisor team has identified other stocks as better investment opportunities compared to XRP, indicating a cautious outlook for the token [16][18]

Ripple has no plans to pursue an initial public offering despite closing a $500 million fundraising in November at a $40 billion valuation that attracted major Wall Street players. President Monica Long confirmed the decision in a Bloomberg interview, stating the company remains committed to staying private while leveraging strategic investor relationships and a strong balance sheet to fund continued expansion. The $40 billion valuation round brought Fortress Investment Group and Citadel Securities onto ...

据 Bloomberg 报道，Ripple 总裁 Monica Long 重申公司暂无 IPO 计划，称 Ripple 资产负债表稳健，更 倾向于通过并购与产品扩展实现增长。Ripple 于 2025 年 11 月完成 5 亿美元融资，估值约 400 亿美元， 投资方包括 Fortress Investment Group 与 Citadel Securities。2025 年，Ripple 完成 4 笔并购（Hidden Road、Rail、GTreasury、Palisade），交易总额近 40 亿美元；截至去年 11 月，Ripple Payments 累计处 理交易量超 950 亿美元，其美元稳定币 RLUSD 成为支付与机构业务的核心。 来源：市场资讯 （来源：吴说） ...

Core Viewpoint - XRP faces significant structural issues that may hinder its long-term value despite recent positive developments, such as the resolution of a lawsuit with the SEC that previously pressured its price [1][2][3][8]. Group 1: XRP Overview - XRP has a total supply of 100 billion tokens, with approximately 60.5 billion in circulation and 39.5 billion held by Ripple, which releases them gradually to meet demand [3]. - Ripple Payments allows banks to conduct instant cross-border transactions, and XRP was introduced as a bridge currency to facilitate these transactions, potentially reducing foreign-exchange fees [4]. - The SEC's lawsuit against Ripple, initiated in 2020, argued that XRP should be classified as a financial security, which has implications for its regulatory status and market perception [3]. Group 2: Market Performance - XRP experienced a significant price increase following the SEC's decision to drop its case, reaching a seven-year high [2]. - However, XRP has seen a decline of 49% from its recent peak and a 20% drop in 2025, indicating ongoing volatility and market challenges [5][6]. - The overall cryptocurrency market value fell from approximately $3.5 trillion to under $3 trillion in 2025, with XRP being one of the tokens affected by this downturn [6][7]. Group 3: Future Predictions - Without a reliable source of organic demand, XRP is vulnerable to speculative trading, which could lead to further declines of at least 50% in 2026 [8]. - The introduction of Ripple's stablecoin, RippleUSD, at the end of 2024 may offer a more stable alternative for transactions compared to XRP, which is subject to significant price fluctuations [7].

Core Viewpoint - The legal battle between Ripple and the SEC has significantly impacted XRP's price, but optimism arose with Donald Trump's pro-crypto campaign and the eventual settlement in August 2025, leading to XRP reaching a new high in July 2025 after seven years [1][2]. Ripple and XRP Overview - Ripple faced a lawsuit from the SEC in 2020, which argued that XRP should be classified as a financial security due to its issuance to banks and institutions [2]. - XRP was created as a bridge currency for Ripple Payments, allowing banks to standardize transactions and reduce costs associated with foreign exchange fees [3][6][7]. Ripple Payments Network - The Ripple Payments network enables instant cross-border transactions, eliminating the need for intermediaries and reducing settlement times and costs for banks [4][6]. - Banks can use XRP to facilitate transactions at a minimal fee of 0.00001 coins, significantly lower than traditional foreign exchange fees [3]. Market Performance and Comparisons - Both XRP and Bitcoin reached record highs in 2025, but both are projected to end the year negatively as investors reassess their cryptocurrency investments [5]. - Bitcoin is viewed as a legitimate store of value, with a capped supply of 21 million coins, while XRP's adoption is uncertain due to the availability of fiat currencies in the Ripple Payments network [8][9][13]. Future Outlook - XRP's potential for growth is hindered by the introduction of Ripple USD, a stablecoin that offers less volatility for transactions, making XRP less attractive for banks [14]. - Analysts express a more favorable outlook for Bitcoin, predicting significant price increases driven by its acceptance as a store of value and the availability of Bitcoin ETFs [10][11][12][15].

Core Insights - Ripple has partnered with AMINA Bank, marking the first adoption of its end-to-end payments solution by a European bank, aimed at streamlining cross-border payments for clients [1] - The collaboration addresses the friction faced by crypto-native businesses in moving funds across borders due to limitations of legacy banking systems [2] Group 1: Partnership Details - The integration of Ripple Payments by AMINA Bank is intended to provide a crucial bridge between fiat currencies and blockchain, enabling concurrent handling of fiat and stablecoin transactions [3] - Myles Harrison from AMINA Bank emphasized the operational necessity of this partnership, stating it reduces cross-border friction and enhances capabilities for crypto-native clients [4] - This partnership expands an existing relationship, as AMINA Bank was the first globally to support Ripple's US dollar-pegged stablecoin, RLUSD, earlier this year [5] Group 2: Strategic Impact - Cassie Craddock from Ripple noted that the partnership allows AMINA Bank to serve as an on-ramp for digital asset innovators into traditional financial infrastructure [6] - The collaboration solidifies Ripple's presence in the institutional banking sector, with its payments network covering over 90% of daily FX markets and processing over $95 billion in volume [8] - Ripple's licensed solutions are available in key markets including Australia, Brazil, Dubai, Mexico, Singapore, Switzerland, and the U.S. [8] Group 3: Regulatory Context - AMINA Bank is headquartered in Zug, Switzerland, and is regulated by the Swiss Financial Market Supervisory Authority (FINMA), with expanded regulatory presence in Abu Dhabi and Hong Kong [7]

Big News: @AMINABankGlobal is the first European bank to go live with Ripple Payments: https://t.co/dEEWtY2tsuThis partnership provides a crucial, compliant bridge between traditional fiat and blockchain rails, solving a major friction point for crypto-native clients who need efficient cross-border transactions.This is the next step in our expanding relationship with AMINA Bank, building on their earlier adoption of RLUSD.Our commitment to delivering secure, compliant, and resilient digital asset technology ...