XRP Set for a Landmark 2025 Amid Major Breakthroughs

XRP could be on the verge of a breakthrough year in 2025, with multiple critical developments poised to strengthen its position in the crypto ecosystem.

Momentum behind Ripple’s XRP continues to accelerate, sparked by notable advancements and project expansions in recent months. A key voice from the XRP community, known as “Jungle,” recently took to X (formerly Twitter) to outline the potential game-changers that could elevate XRP to historic heights in 2025.

Regulatory Milestone: Ripple’s Banking Ambition

Leading the list of strategic ambitions is Ripple’s effort to secure a national banking license in the United States. On July 2, 2025, Ripple CEO Brad Garlinghouse announced the company’s application to the U.S. Office of the Comptroller of the Currency (OCC) for a national bank charter. This bold step aims to bring Ripple’s USD-based stablecoin, RLUSD, under federal oversight.

If approved, this designation would offer significant regulatory clarity, creating a trustworthy environment for institutional adoption. RLUSD could become an attractive choice for financial players seeking reliable, regulated stablecoin options.

XRP’s Inclusion in Grayscale’s Fund

Another milestone that could influence XRP’s trajectory is its addition to the Digital Large Cap Fund (GDLC) managed by Grayscale. In January 2024, the investment giant reintroduced XRP to the fund alongside top-tier assets like Bitcoin and Ethereum.

The situation gained further traction when Grayscale sought to convert GDLC into a spot-based exchange-traded fund (ETF). Although the SEC initially approved this conversion on July 1, the decision was suspended the following day, leaving investors eager for a verdict.

Spot-Based XRP ETFs Could Shift Market Dynamics

Beyond Grayscale’s efforts, financial analysts are closely watching the rise of independent XRP spot ETF filings. More than ten asset managers—including Franklin Templeton, Bitwise, 21Shares, and Canary Capital—have initiated applications with the SEC to launch dedicated XRP ETFs.

As per a recent report, the SEC has a final decision deadline by mid-October. Analysts such as Eric Balchunas suggest approval of at least one XRP ETF is highly probable, which could ignite broader market interest and institutional involvement.

BlackRock’s Rumored Interest

Adding to the intrigue, Jungle pointed to speculation that BlackRock may also consider filing for an XRP ETF. Hints of this interest surfaced following Garlinghouse’s announcement that Ripple and the SEC intend to jointly end their years-long legal dispute by withdrawing appeals. Although BlackRock hasn’t yet formally filed an application, the possibility remains a bullish signal for the XRP ecosystem.

XRP’s CBDC Utility and Institutional Adoption

XRP’s unique features—such as low-cost, near-instant cross-border settlements—have positioned it as a potentially ideal bridge asset for central bank digital currencies (CBDCs). Multiple central banks are collaborating with Ripple to explore CBDC infrastructure, and Jungle anticipates a growing role for XRP in these global corridors during 2025.

While speculative, this integration aligns with broader trends involving financial institutions using XRP for seamless cross-border transactions, signaling a shift toward mainstream token adoption.

Robinhood and Bitstamp to Power XRPL with Derivatives

In a major integration move, Jungle also spotlighted plans by Robinhood and Bitstamp to launch a derivatives exchange built on the XRP Ledger (XRPL). This initiative stems from Robinhood’s acquisition of Bitstamp earlier this year. The upcoming platform could inject substantial liquidity into the XRP ecosystem, potentially channeling trillions through the XRPL network.

As noted by analyst WallStreetBulls in a viral post, this pioneering step could set a new standard for decentralized derivatives infrastructure using XRPL technology.

XRP’s Current Standing

At present, XRP is priced at $2.59, representing a 27.7% surge since the beginning of the year. Its 24-hour trading volume reached $7.3 billion, marking a 37% increase. XRP currently ranks fourth in the global crypto market with a staggering market cap of $153.06 billion.

Related: XRP Price: $12M Max Pain for Bears

Jungle emphasized that these are not just ambitious projections but grounded initiatives already in motion. Should even a portion of these developments materialize, 2025 could indeed transform into a defining chapter for XRP.