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Views: One of the projects that attracted attention in 2025 was Ripple and their cryptocurrency XRP. The company's asset showed strong growth up to an all-time high, against this positive background, many people began to take a renewed interest in XRP åçi the reasons for this increase in price and demand, about which we will tell you in more detail.
A brief overview of XRP
XRP is a cryptocurrency created by Ripple Labs, which is designed to provide fast and cheap international transfer of funds. Unlike traditional payment systems, XRP allows transactions to be processed in seconds with minimal fees. One of the distinctive advantages of XRP is its decentralized structure and ability to scale to meet the global demand for cross-border transfers.
How XRP works
1. XRP Ledger (XRPL)
XRP runs on the XRPL blockchain, which is different from traditional blockchains that use Proof-of-Work (PoW) or Proof-of-Stake (PoS). Instead, it uses the XRP Ledger Consensus Protocol consensus algorithm.
2. Consensus Algorithm
Unlike Bitcoin and Ethereum, where transactions are validated by miners, XRPL uses a unique Federated Consensus mechanism.
Validator Nodes: The network has validator nodes that verify and validate transactions.
UNL (Unique Node List): Each node in the network selects a list of trusted nodes with which it communicates.
Instant Validation: Transactions are completed in 3-5 seconds on average as nodes quickly come to an agreement.
3. Features of XRP
High speed: Transactions are confirmed in 3-5 seconds.
Low fees: The average transaction fee is $0.0002.
No mining: XRP has been pre-released (100 billion coins), so no mining is required.
Energy efficiency: Unlike Bitcoin, XRPL uses significantly less electricity.
Where XRP is already being used
XRP is actively used in the financial sector:
1. Banks and financial institutions
Many banks and payment processors are using XRP to speed up international transfers. Some of them are:
Santander
Standard Chartered
Bank of America
PNC Bank
2. RippleNet
RippleNet is a global payment network that uses XRP for liquidity. With its help, banks and fintech companies can exchange currency quickly, reducing costs.
3. Payment systems and cryptocurrency exchanges
Many companies have integrated XRP:
Tranglo (an Asian payment system)
BitPay (crypto-payments)
Binance, Bybit, OKX, HTX, Gate. io, BingX (crypto exchanges)
4. Cross-border payment corridors
XRP is heavily used in countries with expensive international transfers, such as:
Philippines (via Coins.ph)
Mexico (Bitso)
Japan (SBI Holdings)
5. CBDC and government projects
Some countries are testing the use of XRP to create central bank digital currencies (CBDCs), such as:
Palestine (possible use for digital currency)
Bhutan (pilot project with Ripple)
Factors affecting the growth of XRP
Many factors are influencing the potential rise in the price of XRP, among them two fundamental ones can be highlighted so far.
Brad Garlinghouse's meeting with Trump
Who Brad Garlinghouse is
Brad Garlinghouse is the CEO of Ripple, one of the leading organizations working to advance blockchain payments. He plays a key role in promoting XRP to financial institutions and addressing regulatory issues.
What is known about the meeting with Donald Trump
Recent news reports indicate that Brad Garlinghouse had a meeting with Donald Trump.
All details are unknown, but the impact of the meeting on XRP could be as follows:
Discussion of regulatory issues: XRP is in a protracted legal battle with the SEC, and political support could help favorably resolve the case.
Potential development of the entire crypto industry: Trump has previously expressed skepticism about cryptocurrencies, but perhaps Ripple will try to change his view.
Regulatory Simplification: If the Trump administration proposes a more loyal cryptocurrency policy, it could have a positive impact on XRP.
Potential ETF on XRP and RLUSD
Why ETFs are important for XRP
Cryptocurrency exchange-traded funds (ETFs) allow institutional investors to invest in digital assets without having to own them outright. Following the approval of bitcoin ETFs in the U.S., the market is waiting for more ETFs on other cryptocurrencies, including Ethereum and XRP.
XRP ETF - Background
Several factors indicate that an ETF on XRP could be adopted in the near future.
Given that XRP is one of the most liquid cryptocurrencies with a high market capitalization, the creation of an XRP ETF is quite possible.
If the SEC issues a final ruling in favor of Ripple in court, the likelihood of such a fund will increase significantly.
The approval of an ETF on XRP could attract billions of dollars of institutional investment, leading to a significant increase in price.
What is RLUSD
RLUSD is a potential stable digital currency (stablecoin) that Ripple could launch for international payments. If RLUSD is backed by real assets and integrated into the RippleNet payment infrastructure, it could:
Build confidence in XRP as a key element of the Ripple ecosystem.
Stimulate adoption of XRP among banks and financial companies.
Provide additional liquidity for XRP in global payments.
If Ripple achieves approval for an XRP ETF, it will lead to a strong increase in demand for the asset. In addition, the introduction of RLUSD could strengthen XRP's position in the banking sector.
Price rise above $3.6 - technical analysis of XRP
Analyzing the XRP price chart shows that the resistance zone around $3.6 is an important value for further growth. If XRP can overcome this price (historical maximum), it is possible to reach new historical highs and continue trend growth. On the background of the project development, the presence of positive news and the fulfillment of all Ripple's plans, the cryptocurrency can reach the peak values and consolidate on them in a short period of time.
XRP price forecast for 2025
According to expert estimates and technical analysis, XRP may reach a price range of $5 - $10 in 2025. The main growth drivers will be:
Successful conclusion of Ripple's litigation with the SEC
Adoption of XRP as a liquid asset for banking transactions
Increased demand from institutional investors
Potential approval of an ETF on XRP
Development of the entire cryptocurrency sector under the new US president.
Conclusion
XRP is one of the first cryptocurrencies in the world and yet continues to hold its leading position among the promising cryptocurrencies in the market. Its innovative technology, strategic partnerships, and steady demand make it an attractive asset for investors. Despite the current regulatory risks, XRP has significant growth potential and prospects in 2025.
Frequently Asked Questions (FAQ)
1. What is XRP?
XRP is a cryptocurrency developed by Ripple Labs to make international payments fast and cheap.
2. How to buy XRP?
XRP can be purchased on cryptocurrency exchanges such as Binance, Bybit, OKX, HTX, Gate. io, BingX and others using fiat money or other cryptocurrencies.
3. Is it possible for the price of XRP to rise above $10?
With favorable market conditions and successful development of Ripple XRP can reach $10 and above.
4. Does the litigation with the SEC affect the price of XRP?
Yes, the outcome of the SEC litigation directly affects the price of XRP. A favorable ruling could significantly increase the demand for the coin.
5. Is XRP worth investing in in 2025?
XRP remains a promising asset, especially if Ripple continues to build partnerships and resolves regulatory issues.
