The firm’s report comes as XRP<\/a> trades around $1.41, down 20% so far this year and more than 60% from its peak of $3.60 reached last summer.<\/p>\n Ripple’s case with the SEC \u2014 which started in December 2020 \u2014 was settled in May 2025. A court dismissed the remaining appeals in August 2025.<\/p>\n That outcome cleared a cloud that had followed the token for years, making it a far less risky proposition for large financial institutions that had previously stayed on the sidelines.<\/p>\n New legislation is also taking shape. The GENIUS Act<\/a> was signed into law last year. The Digital Asset Market Clarity Act<\/a> cleared the House in July 2025 and is still working its way through the Senate.<\/p>\n Together, reports say these laws are beginning to lay out clearer rules for how digital assets are treated in the US.<\/p>\n For years, Ripple’s main pitch to banks was straightforward: use XRP to move money across borders faster and cheaper than traditional networks like SWIFT<\/a>, which has processed global transactions since 1973.<\/p>\n That argument gained some traction but never broke through at scale. Banks, by nature, are slow to abandon systems they already trust.<\/p>\n So Ripple changed course. Rather than staking everything on replacing one system, the company began building out a wider network of projects and partners.<\/p>\n A key move came in June 2025 with the launch of XAO DAO, a community-run initiative designed to fund development within the XRP ecosystem.<\/p>\n Reports indicate Ripple is also positioning its technology to support anti-fraud tools and to help move traditional financial products \u2014 like exchange-traded funds \u2014 onto blockchain networks.<\/p>\n According to the Motley Fool, this wider approach could be exactly what large institutions need to feel comfortable getting involved.<\/p>\n Price Drop Seen As A Window<\/p>\n<\/p>\n
A Broader Bet Than Cross-Border Payments<\/h2>\n