XRP institutional adoption gathers steam despite XRP price decline
While the XRP price is 68.7% below its all-time high, the network underpinning it continues to attract major banks, asset managers, and sovereign institutions.
Quick summary
At $1.14, the XRP price is trading 68.7% below its all-time high of $3.65, yet the network underpinning it continues to attract major banks, asset managers, and sovereign institutions at a pace that has not slowed.
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The quiet expansion nobody is talking about
RippleNet currently connects 300+ institutions across 45 countries, including SBI Holdings, Santander, Standard Chartered, PNC, and Axis Bank
By 2024, 80% of Japanese banks had engaged with Ripple’s infrastructure.
SBI Remit has signed an MOU to bring RLUSD into Japanese remittance flows by 2026.
Ripple’s partners in Latin America include Bitso, Banco Rendimento, Itaú Unibanco, and Interbank Peru
Ripple became the first blockchain payments provider licensed by Dubai’s DFSA in May 2025; Zand Bank and the Dubai Land Department followed as partners
BNY Mellon named primary RLUSD custodian in July 2025.
Bank of America has confirmed Ripple payment infrastructure pilots.
Tokenization, ETFs, and the regulatory backdrop
XRPL hosts over $3.5B in tokenized assets.
JPMorgan, Mastercard, and Ondo Finance have settled tokenized U.S. Treasuries on the ledger.
The SEC lawsuit settled in August 2025 for $50M confirmed that XRP tokens held on public exchanges are not a security.
Ripple has completed $2.7B+ in acquisitions, including Hidden Road ($1.25B), Palisade, GTreasury, and Rail.
OCC conditionally approved a US national trust bank charter in December 2025; Fed master account application pending.
Spot XRP ETFs launched in November 2025 with $1.3B+ in net inflows; key products include Canary ($290M AUM), Franklin ($273M, 0.19% fee), and 21Shares ($143M).
XRP price context
XRP hit an ATH of $3.65 on July 18, 2025, and has since retraced 68.7% to $1.14.
XRP price’s 30-day decline stands at 16.5%.
XRP’s 24-hour trading volume stands at $2.14B.
Rize Research’s liquidity buffer model implies $4.19 at 5% global settlement capture, $20.95 at 25%, and $41.89 at 50%.
Key risk: institutions could route volume through RLUSD or JPM Coin, bypassing native XRP entirely
Key takeaway
While the XRP price is down sharply from its 2025 peak, the XRP ecosystem has grown significantly. More than 300 institutions across 45 countries are active on RippleNet, and JPMorgan, Mastercard, and Ondo Finance have settled tokenized US Treasuries on the XRPL.
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