XRP is emerging as one of the assets most actively discussed for institutional inclusion in the cryptocurrency market in 2025. With regulatory uncertainty easing and global financial institutions discussing its potential use, capital inflow into related investment products is also increasing.
According to CoinShares, XRP-based investment products saw a net inflow of approximately $70.2 million in the last week of December. This monthly inflow exceeded $424 million, contrasting with the outflows from Bitcoin and Ethereum investment products during the same period. The cumulative assets of investment products, including XRP-related exchange-traded products (ETPs), are also rapidly increasing.
The market is positively evaluating the fact that the legal dispute between Ripple and the U.S. Securities and Exchange Commission (SEC) is effectively coming to a close, significantly alleviating regulatory uncertainty surrounding XRP. Consequently, analysts say the financial sector's interest in cross-border payments and liquidity solutions leveraging XRP is growing again.
Ripple has been providing RippleNet-based payment services in partnership with global financial institutions such as SBI Holdings, Santander, and Standard Chartered. Ripple claims that over 300 financial institutions worldwide are directly or indirectly collaborating with its payment network or related solutions.
In Europe, Swiss-based AMINA Bank is testing the potential of XRP by launching a cross-border remittance service using Ripple Payments. Ripple's On-Demand Liquidity (ODL) solution is being evaluated as having the potential to improve settlement speed and cost efficiency compared to existing international remittance systems.
Ripple's dollar-pegged stablecoin, RLUSD, is also being discussed for potential institutional adoption. RLUSD emphasizes reserve transparency and regulatory compliance, and is attracting attention as a potential tool for global payment and settlement experiments.
Experts believe that if capital flows into XRP-related investment products and financial institutions continue to experiment with XRP, XRP's role within the institutional system could gradually expand. However, they also caution that the actual pace of adoption and investment flows may vary depending on the regulatory environment and market conditions.
