Ripple Pushes Payments Growth, but XRP Remains Overlooked

Ripple conjures up its future prospects in 2025 in an official blog post. The reversal of US crypto policy plays a central role. But what remains striking is that XRP does not even mention Ripple by name in its plans.

The XRP rally has recently stalled and Ripple is looking for ways to generate positive momentum again

An official report entitled “Crypto Momentum in the US: What’s Next for Ripple Payments” is supposed to help with this. But upon closer reading, the preview turns out to be a hodgepodge of already largely known information and the real surprise is that XRP does not even appear in the text.

Ripple Payments is the service that the crypto company has been offering under different names for around a decade. It is intended to enable real-time money transfers at very low fees and to demonstrate its strengths, particularly in cross-border transactions. It is now being emphasized that Ripple Payments has already moved $70 billion worldwide.

These transfers are processed via the Ripple network XRPL, but give users the choice of whether they want to use XRP, US dollars or other currencies. In the past, XRP was hardly in demand here and the current inventory does not give much encouragement for Ripple’s cryptocurrency either.

Official Ripple Preview

Even the reference to the more than 60 licenses that Ripple now holds worldwide is lacking in real news. Internationally, the company relies on approvals in Singapore , Ireland , Dubai and the Cayman Islands – this has long been known. For Ripple Payments in and from the USA, the registrations in New York and Texas are highlighted – although only the latter is a success this year.

But in the USA, the business climate for the crypto industry is changing for the better, as President Donald Trump promised during the election campaign. Ripple CEO Brad Garlinghouse has met Trump personally several times and praises the Republican. So it seems a bit ingratiating when Ripple now repeats that 75 percent of the open jobs in the USA have recently been advertised and that the offices in the headquarters in San Francisco and New York have been renovated and expanded – Trump loves statements like this, demanding jobs and investments for his own country.

As an investor, however, you have to ask yourself: Why is XRP not mentioned at all in Ripple’s self-presentation, as it is now, and only mentioned in passing in other texts? Even the new Ripple stablecoin RLUSD is dedicated to an entire paragraph. It does contain the announcement that RLUSD will be integrated into Ripple Payments later in 2025. But for critical observers, this is more likely to lead to increased competition between RLUSD and XRP, and synergy effects for cooperation cannot (so far) be identified.

Conclusion: Ripple optimistic – XRP on the sidelines?

Garlinghouse suggested this week via X that the US Bitcoin reserve envisaged by Trump should not be limited to BTC, but should also include cryptocurrencies such as XRP. This is naturally met with applause in the XRP community and would tend to be good for the price curve.

But Ripple still owns around 40 percent of all XRP, which seems like the opposite of decentralization and speaks against considering the altcoin as a reserve currency. In our independent annual reports on Ripple, such as this one for 2024, it is no coincidence that the lack of applications and use cases for XRP is a recurring theme that investors should not ignore.

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(Featured image by Alesia Kozik via Pexels)

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