Tag: XRP

The U.S. Securities and Exchange Commission (SEC) has officially ended its nearly five-year lawsuit against Ripple Labs, marking a major milestone for cryptocurrency regulation. The case, which began in 2020, alleged that Ripple had raised $1.3 billion through unregistered XRP sales. On August 7, 2025, both parties agreed to drop their appeals, closing the chapter.

SEC Commissioner Hester Peirce noted that with litigation behind them, the agency can now focus on drafting a clear regulatory framework for digital assets. SEC Chair Paul Atkins emphasized the need for rules that balance innovation with investor protection.

The legal saga saw Ripple fined $125 million in 2024, and a 2023 ruling determined that XRP sales to retail investors are not securities, while institutional sales are. This distinction provides clarity for the industry.

Meanwhile, lawmakers are pushing the CLARITY Act, aiming to establish comprehensive rules for digital assets by September 30, 2025. Political divisions remain, with Republicans largely supporting the bill and Democrats, led by Maxine Waters, opposing it over concerns about a U.S. digital currency.

With the Ripple case concluded, everyday crypto trading faces less uncertainty, and the SEC is positioned to craft regulations that could help the U.S. remain competitive in the global digital asset market.

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XRP tumbled nearly 10% over the past week to around $3.13, significantly underperforming Bitcoin’s 2.25% and Ethereum’s 0.50% drops. Data from Glassnode reveals that over 93% of XRP’s circulating supply remains in profit, sparking a wave of profit-taking among long-term holders.

This profit-taking pressure is stronger than Ethereum’s, where 84.7% of holders are in the green. Historically, when such high percentages of supply are in profit, markets often face increased selling as investors lock in gains—especially near resistance levels.

The pressure intensified as XRP neared its recent high of $3.60, with Ripple co-founder Chris Larsen reportedly transferring $175 million in XRP to multiple addresses. On-chain sleuth zackXBT confirmed that $140 million of this was sent directly to exchanges, sparking fears of large-scale dumping.

Short-term holders who bought between $2.30–$2.80 also panicked during the correction, compounding the selloff.

With whale activity and profit-taking cascading through the market, XRP may struggle to recover in the near term. Analysts suggest support could re-emerge in the $2.30–$2.80 range, while any breakout above $3.60 would require renewed, strong demand.

For now, XRP’s price remains under pressure as supply-demand dynamics seek new equilibrium.

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XRP and FedNow: The Viral Rumor That’s Shaking Up Crypto Twitter

Crypto Twitter is on fire again — this time with a bold claim: that the U.S. Federal Reserve is using XRP for all transactions on its new FedNow instant payment system.

The buzz originated from a post on X (formerly Twitter), where a user confidently asserted that Ripple’s XRP is being used through FedNow, Faster Payments, and Volante’s cloud systems. The post, which declared the claim “100% confirmed,” quickly gained traction.

But here’s the reality check:
Yes, Volante Technologies—a FedNow pilot program participant—has integrated Ripple’s blockchain tech into its solutions for cross-border payments. However, there’s zero official confirmation that the Federal Reserve is directly using XRP for all FedNow transactions.

Volante’s infrastructure is versatile, supporting SWIFT, Ripple, ISO 20022, and even CBDC integrations. While this adds credibility to blockchain’s growing role in mainstream finance, equating that with the token being the exclusive or dominant token in FedNow is speculative at best.

With FedNow set to embrace the ISO 20022 messaging standard on July 14, blockchain-based solutions are indeed gaining momentum. But until there’s formal proof, claims that it powers all FedNow payments remain exaggerated.

So, is the token secretly running the Fed’s payments?
Not yet. But it’s definitely getting a seat at the table.

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Ripple’s Vision Grows: CTO David Schwartz Talks XRPL, Beyond Just Crypto Payments

Ripple’s CTO, David Schwartz, just gave a powerful update that shifts how we should think about XRP and the XRP Ledger (XRPL). In his latest post, Schwartz shared that XRPL isn’t just another crypto payment platform. It’s shaping up to be a complete decentralized financial system.

This system will include more than just XRP — it’s being built to support its stablecoin RLUSD, real-world tokenized assets, decentralized exchanges (DEXs), lending, investing, and even smart contracts.

Schwartz pointed out that for a DEX to thrive, it needs more than one token — which is why XRPL is expanding to support a variety of assets. Still, XRP remains key: it’s the native asset, used for fees and liquidity routing.

He also raised a tough question: how much of XRP’s market value today is driven by actual use on the ledger? Ripple is watching this closely as they build for a more open, faster, and efficient financial future.

Bottom line: Ripple isn’t building just for crypto anymore — they’re going after the entire financial stack.

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