In the crowded cryptocurrency space, XRP carves out its own niche. As the digital currency for the XRP Ledger (XRPL), it was designed from the outset to address the nagging issues that have always made international money transfers a headache: slow speeds, high costs, and a system that can't keep up with demand. The fundamental way XRP is built and how it operates truly sets it apart from initial giants like Bitcoin or smart contract powerhouses like Ethereum.
What Makes XRP Attractive: XRP Ledger (XRPL)
The entire idea for the XRP Ledger began in 2011, with David Schwartz, Jed McCaleb, and Arthur Britto leading the development process. What were they aiming for? A decentralized way to process transactions that would outpace Bitcoin in terms of speed, specifically refined for transferring money globally. When the XRPL launched in 2012, it brought along XRP as its special token, designed to ensure everything on the network runs smoothly. The big dream back then, and still is, was to have money flying around the world quickly, safely, and without bankruptcy, primarily for large businesses and financial institutions.
From the moment it was created, all 100 billion XRP tokens were generated at once – unrelated to mining. XRP serves two main roles: it is used to pay small fees on the XRPL and it acts as an intermediary currency, smoothing out the wrinkles in transferring money from one country to another. An interesting quirk? A small portion of XRP is burned with each transaction, making it somewhat deflationary.
The XRP Ledger itself is a decentralized, open-source blockchain technology. It is designed to quickly handle many transactions while keeping fees extremely low. Additionally, it is quite flexible, able to handle all types of digital assets, projects transforming real things into tokens like stablecoins and even unique digital collectibles, NFTs. It even has an integrated decentralized exchange DEX.
Now, what is really important is to draw the line between XRP and the XRP Ledger on one side, and Ripple, the American technology company, on the other. Ripple certainly uses XRPL and XRP in its payment system for large customers, such as the Ripple Payments network. And while Ripple is a major force helping the XRPL community grow, the ledger itself is open-source and not something that only Ripple can decide on.
How do they agree: The consensus algorithm of the Ripple protocol (RPCA)
Unlike Bitcoin using Proof-of-Work (PoW) or Ethereum currently using Proof-of-Stake (PoS), the XRP Ledger has its own way of getting people to agree, known as the Ripple (RPCA) Protocol Consensus Algorithm, sometimes referred to as the (FBA) Federal Byzantine Agreement.
This is the core: a group of independent servers, called validators, that check and approve transactions. Each server keeps its own (UNL) Unique Node List – essentially, a list of other validators it trusts to agree on what. These validators are constantly reviewing suggested transactions. If the majority of (chúng are talking about at least 80%) the trusted list of servers agreeing on a series of transactions, then that series will be locked and added to the official file. This entire process is usually completed in just 3 to 5 seconds, meaning that transactions are confirmed extremely quickly. RPCA is built to be precise, to ensure everyone agrees (để chain is not tách) and practical – that is, fast and efficient, with the goal that once a transaction is confirmed, it will be firmly established.
XRP compared to the giants: Bitcoin and Ethereum
Compared to Bitcoin (BTC):
Deal & Green Factor: Bitcoin's PoW is a notorious energy-hungry tool. In contrast, XRP's RPCA is much faster and more planet-friendly. Transaction execution: XRP transactions are usually resolved in 3-5 seconds, and the fees are very small. Bitcoin trading? They can take a while and are more expensive. XRPL is also built to handle much larger volumes, reportedly up to 1,500 transactions per second (TPS), far beyond the capabilities of Bitcoin.Coins and how they are created: All 100 billion XRP were created from scratch; No new copper was mined. Bitcoin has a hard limit of 21 million, with new coins appearing gradually through mining. The original idea: Bitcoin started as a way for people to send digital money directly to each other without the need for a bank. XRP was conceived to help the current financial world work better, especially for banks that transfer money between them. Who's in control?: XRPL operates decentralized, but there are occasional conversations about how influential UNL is and Ripple's initial large number of tokens. Most people find Bitcoin to have a more decentralized setup.
Compared to Ethereum (ETH):
How they agree: Ethereum now uses a PoS system. It's more energy efficient than the old PoW, but still different from XRP's RPCA. Speed and price of simple transfers: Just for deposits, XRP is generally faster and cheaper than Ethereum, although Ethereum is increasingly handling much better traffic with Layer 2 add-ons. Smart coins and applications: Ethereum is well-known for its powerful smart contract tools and a huge world of decentralized applications (dApp). XRPL is mostly about payments, but it's stepping up its smart contract game with the likes of Hooks and the upcoming EVM subchain, which hopes to get Ethereum developers on board. Money supply: Ethereum does not have a fixed maximum supply, but the number of new coins created will be controlled. XRP adheres to a fixed supply that has been created. The main goal: Ethereum wants to be a "world computer" for all decentralized uses. XRP focuses on moving value efficiently, primarily for financial companies.
A quick look at the differences of XRP:
Speed & Savings: XRP transactions are indeed faster and cheaper. Environmentally Friendly: The way XRPL agrees on transactions uses significantly less energy compared to PoW. Handling Multiple Transactions: Designed to handle many transactions. Specific Use Cases: Truly aimed at large organizations for payments and account settlements. Token Creation: All tokens are pre-minted, with Ripple receiving a large portion upfront to help build the ecosystem. Agreement System: RPCA is special with the UNL setup aimed at speed and low cost.
Ripple Labs and XRP: A close relationship that is often questioned
Ripple Labs, a major name in the financial technology sector, has a complex past closely tied to the digital currency XRP and the XRP Ledger that the company utilizes.
From RipplePay to OpenCoin: Where it all began
The seeds for Ripple have been sown since 2004 with Ryan Fugger's RipplePay, his idea of a decentralized monetary system. Back in 2011: Jed McCaleb, who also founded Mt. Gox, set out to work on an energy-smart digital currency using consensus for validation, rather than Bitcoin-style mining. McCaleb, along with David Schwartz and Arthur Britto, set out to build the XRP Ledger (XRPL), which strives to create a long-term digital asset perfect for payment purposes.
In 2012, McCaleb and entrepreneur Chris Larsen spoke with Fugger. This led to the establishment of OpenCoin in September 2012, with Schwartz and Britto in the founding team. Shortly thereafter, OpenCoin was renamed Ripple Labs.
XRP and XRPL: Step outside
The XRP Ledger, an open-source blockchain, emerged in June 2012. At the same time, 100 billion XRP tokens were created – all at once. This "pre-mine" is a significant factor that distinguishes it from assets like Bitcoin.
How XRP was first awarded: A hot topic
The distribution of the initial 100 billion XRP has been discussed and debated extensively:
Ripple (công ty): XRPL builders gave 80 billion XRP to OpenCoin (sau this became Ripple Labs). Ripple says this is to help the company build the XRP ecosystem.Founders and first team: The remaining 20 billion XRP was given to co-founders like Larsen and McCaleb, among others who supported from the beginning.
Identify Ripple and XRP
Ripple Labs: This is a private technology company that sells blockchain-based payment solutions for businesses. The company's products, such as the On-Demand Liquidity service (ODL) (are currently part of Ripple Payments), using XRP as a bridge to transfer money internationally faster and cheaper. XRP: This is the native currency of the XRP Ledger. It is used to pay transaction fees and serves as a bridge currency. XRP Ledger (XRPL): This is a public, decentralized, open-source blockchain. Ripple is key to starting and continues to help it grow, but Ripple does not own or control the XRPL alone. The community increasingly guides its direction, and changes require consensus from validators. Ripple only runs a small number of the network's validators.
The lasting influence of Ripple and the sales of XRP
Since Ripple holds a lot of XRP, it has a lot of influence. The company has regularly sold XRP to pay bills, invested in ecosystem expansion, and encouraged more people and businesses to use XRP. To ease fears of flooding the market, Ripple, in 2017, locked 55 billion XRP in a super-secure digital escrow account. This system releases up to 1 billion XRP per month. Any unused numbers will be returned to the escrow account. By the beginning of 2025, there is still a large part locked.
Ripple also demonstrates its strength by funding projects within the ecosystem, signing agreements with large organizations, and encouraging governments to establish clearer regulations.
The debate and confrontation of the SEC
People often criticize XRP for being too centralized because Ripple holds too many tokens and played a significant role in the early days. However, the most pressing issue is the lawsuit from the U.S. Securities and Exchange Commission (SEC), which began in December 2020. The SEC claims that Ripple sold XRP as an unregistered security.
A game-changing moment came in July 2023 when Judge Analisa Torres ruled that XRP sold under a program on exchanges is not a securities offering - a major victory for Ripple. However, she stated that sales directly to large institutions are securities. The SEC attempted to appeal the part regarding program sales but was denied.
Fast forward to May 2025, and it seems that this long legal battle is finally coming to an end. There are rumors that the final verdict will be handed down in August 2024. The ruling included a permanent ban on Ripple from making institutional sales and a civil fine of $125 million — far less than the amount the SEC originally wanted. Although appeals have been filed, by early May 2025, there is news of a settlement agreement: Ripple will pay $50 million in fines, and both parties will withdraw their appeals. Most people see this as a good outcome for Ripple and all XRP supporters.
The monetary issue of XRP: Supply, escrow, and its significance for the market
The financial structure of XRP revolves around a fixed number of pre-mined tokens and a special escrow system.
How much XRP?: Exactly 100 billion XRP was created when it launched and will never be created again. This setup is intended to combat inflation by design. As of May 2025, there are between 55 and 58 billion XRP available and usable, although the exact number may vary slightly depending on who you ask. Ripple Lock: In December 2017, Ripple put 55 billion of its XRP into a ledger escrow. The system can release up to 1 billion XRP per month. If any amount is not used, it will be returned to the deposit. This creates a predictable, albeit sometimes controversial, schedule for new supply to the market.What this means for buyers and sellers: While margin tries to make things predictable, large monthly releases can sometimes cause prices to spike in the short term. But in the long run, XRP's value is more closely tied to how useful it really is, especially in Ripple's payment products like ODL and its widespread adoption. A small amount of XRP destroyed in each transaction also creates a small deflationary push. Clear rules from the government, especially after the news of the SEC lawsuit, remain extremely important for large investors to feel confident and for prices to stabilize.
What can you do with XRP? Payments and much more.
The main purpose that makes XRP famous is to change the way money moves around the world, but this coin is also aiming for other goals.
Cross-border remittances (Ripple Payments/ODL): XRP serves as an intermediary currency in Ripple Payments' ODL service. This allows for almost instant international payments at low costs as banks don't need to hold a lot of money in offshore accounts (tài nostro). This has attracted the attention of financial companies such as Tranglo and SBI Remit. It is reported that it is used quite a lot in Japan, and US banks are said to have started using it for international payments in 2024.Tokenize everything: XRPL can be used to create (token) digital versions of any asset class. Think stablecoins, NFTs, and maybe even real-world things like real estate (Tài real-world or RWA). This can make it easier to trade assets and allow people to own a fraction of them. Platforms like Sologenic are now using XRPL to tokenize securities. Digital currencies for central banks (CBDC): Ripple is negotiating with central banks, providing them with a platform based on XRPL technology to create their own digital currencies. They are working with places like Palau, Bhutan, Colombia, Georgia and Montenegro. XRP itself can even help move these CBDCs between different countries. (DeFi) decentralized finance: With a built-in DEX, an Automated Market Maker (AMM) coming soon, and an EVM subchain on the way, XRPL is starting to make more noise in the DeFi world. such as payments used by platforms such as Coil.
While traditional banks have been slow to engage partly due to unclear regulations in the United States in the past, recent legal victories are seen as a good sign that could accelerate things.
Why should you invest in XRP? The good things
Main mission: XRP was built from the ground up to serve the purpose of efficient international payments, and this remains a major attraction. Fast, Cheap, High Capacity: Transactions are settled in seconds, fees are nearly zero, and it can handle large traffic, with some claiming up to 1,500-3,400 TPS. These are practical advantages. Major companies involved: Agreements with financial companies and increasing recognition worldwide demonstrate its potential for the future. New technology on the horizon: Research on CBDCs, turning real assets into tokens, and the growing DeFi space all point to new areas where this technology can evolve. Solid Tech: Energy-efficient and open-source, this is definitely a strength of this technology.
Risks and barriers for XRP holders
Lawmakers are still watching: Even with good news from U.S. courts, cryptocurrency regulations around the world are still inconsistent and could affect the pace of adoption. Price movements: XRP, like any other cryptocurrency, can rise or fall sharply depending on how the market feels, regulatory news, and developments in the economy as a whole. Fierce competition: The world of payments is crowded. Established companies like SWIFT are improving (với SWIFT gpi), stablecoins are gaining popularity, other Layer 1 blockchains are on the way, and CBDCs are on their way to launch. Concerns about centralization: Despite getting better, Ripple still holds a lot of XRP and has a big say in the early days, which keeps the "is it too centralized?" debate to continue. How quickly big banks are adopting: Getting large traditional financial institutions to deeply integrate XRP is still important to pay attention to.
XRP Price: A Wild Ride
The price of XRP is truly volatile, with incredible increases and sharp declines, often influenced by the SEC lawsuit, overall market sentiment, and news regarding the adoption of this coin.
Early Days and 2018 Fever: After years of being below $0.01, XRP exploded during the 2017 crypto craze, soaring to an all-time high of around $3.84 in January 2018. Then there was a major market downturn. Aftermath of the SEC lawsuit: When the SEC filed a lawsuit in December 2020, prices plummeted and many exchanges stopped trading. Court wins and rising prices: Good news from the court, especially Judge Torres' July 2023 ruling, has sent prices soaring. The news of a possible settlement in May 2025 also helped the price rise sharply. What happened recently (Cuối 2024 – May 2025): XRP saw a major jump at the end of 2024, erasing the prolonged bear market downturn. This is partly because people are hoping for a deal and the crypto market as a whole is going strong. After reaching a new high (một the number of reports mentions around $3.27-3.40 in January 2025, partly due to ETF) rumors, it fell back down before rising again in May 2025 when the SEC's settlement of the lawsuit appeared to be complete. Moving by the market: XRP usually moves with the rest of the cryptocurrency market, especially Bitcoin. But sometimes, specific news about XRP can cause it to go its own way for a while.
Looking ahead: Ripple's plans and the promise of XRP
Ripple has big plans for XRPL, focusing on improving technology and attracting more large organizations to participate.
Technology upgrades: Major improvements are being implemented, such as built-in smart contracts, a sidechain operating with Ethereum ( expected in Q2 2025 to attract Ethereum developers, fully integrated Automated Market Maker )AMM(, better tools for minting real-world assets )RWA( and a Decentralized Identity )DID( system for institutional DeFi. Promoting adoption: The main focus remains on DeFi for institutions, cross-border payments, collaboration with central banks on CBDC, and building a community of developers through grants and support programs. Big goal: They want to make XRPL the top choice for institutional finance, connecting traditional currencies with blockchain and finding more applications for it beyond payment purposes.
What do experts think about the enduring strength of XRP
Analysts have all sorts of predictions for XRP. Optimistic predictions for 2025 typically range from 5 to 15 dollars, but that depends on friendly regulations and many new users. Looking further to 2030, the predictions are even more chaotic. Some people are very hopeful to see it surpass 20 dollars, while those who are less confident believe it could drop if competition becomes too fierce or regulations worsen.
Whether XRP will exist in the long term really depends on whether financial institutions begin to use it widely and consistently, whether governments around the world create useful regulations, and whether it can continue to innovate faster than its competitors. Recent good news from the legal battle in the United States is a big plus, but the path to becoming a global financial system is still an evolving process.
The content is for reference only, not a solicitation or offer. No investment, tax, or legal advice provided. See Disclaimer for more risks disclosure.
XRP: Get Acquainted with the Digital Currency Built for Global Finance
In the crowded cryptocurrency space, XRP carves out its own niche. As the digital currency for the XRP Ledger (XRPL), it was designed from the outset to address the nagging issues that have always made international money transfers a headache: slow speeds, high costs, and a system that can't keep up with demand. The fundamental way XRP is built and how it operates truly sets it apart from initial giants like Bitcoin or smart contract powerhouses like Ethereum. What Makes XRP Attractive: XRP Ledger (XRPL) The entire idea for the XRP Ledger began in 2011, with David Schwartz, Jed McCaleb, and Arthur Britto leading the development process. What were they aiming for? A decentralized way to process transactions that would outpace Bitcoin in terms of speed, specifically refined for transferring money globally. When the XRPL launched in 2012, it brought along XRP as its special token, designed to ensure everything on the network runs smoothly. The big dream back then, and still is, was to have money flying around the world quickly, safely, and without bankruptcy, primarily for large businesses and financial institutions. From the moment it was created, all 100 billion XRP tokens were generated at once – unrelated to mining. XRP serves two main roles: it is used to pay small fees on the XRPL and it acts as an intermediary currency, smoothing out the wrinkles in transferring money from one country to another. An interesting quirk? A small portion of XRP is burned with each transaction, making it somewhat deflationary. The XRP Ledger itself is a decentralized, open-source blockchain technology. It is designed to quickly handle many transactions while keeping fees extremely low. Additionally, it is quite flexible, able to handle all types of digital assets, projects transforming real things into tokens like stablecoins and even unique digital collectibles, NFTs. It even has an integrated decentralized exchange DEX. Now, what is really important is to draw the line between XRP and the XRP Ledger on one side, and Ripple, the American technology company, on the other. Ripple certainly uses XRPL and XRP in its payment system for large customers, such as the Ripple Payments network. And while Ripple is a major force helping the XRPL community grow, the ledger itself is open-source and not something that only Ripple can decide on. How do they agree: The consensus algorithm of the Ripple protocol (RPCA) Unlike Bitcoin using Proof-of-Work (PoW) or Ethereum currently using Proof-of-Stake (PoS), the XRP Ledger has its own way of getting people to agree, known as the Ripple (RPCA) Protocol Consensus Algorithm, sometimes referred to as the (FBA) Federal Byzantine Agreement. This is the core: a group of independent servers, called validators, that check and approve transactions. Each server keeps its own (UNL) Unique Node List – essentially, a list of other validators it trusts to agree on what. These validators are constantly reviewing suggested transactions. If the majority of (chúng are talking about at least 80%) the trusted list of servers agreeing on a series of transactions, then that series will be locked and added to the official file. This entire process is usually completed in just 3 to 5 seconds, meaning that transactions are confirmed extremely quickly. RPCA is built to be precise, to ensure everyone agrees (để chain is not tách) and practical – that is, fast and efficient, with the goal that once a transaction is confirmed, it will be firmly established. XRP compared to the giants: Bitcoin and Ethereum Compared to Bitcoin (BTC): Deal & Green Factor: Bitcoin's PoW is a notorious energy-hungry tool. In contrast, XRP's RPCA is much faster and more planet-friendly. Transaction execution: XRP transactions are usually resolved in 3-5 seconds, and the fees are very small. Bitcoin trading? They can take a while and are more expensive. XRPL is also built to handle much larger volumes, reportedly up to 1,500 transactions per second (TPS), far beyond the capabilities of Bitcoin.Coins and how they are created: All 100 billion XRP were created from scratch; No new copper was mined. Bitcoin has a hard limit of 21 million, with new coins appearing gradually through mining. The original idea: Bitcoin started as a way for people to send digital money directly to each other without the need for a bank. XRP was conceived to help the current financial world work better, especially for banks that transfer money between them. Who's in control?: XRPL operates decentralized, but there are occasional conversations about how influential UNL is and Ripple's initial large number of tokens. Most people find Bitcoin to have a more decentralized setup. Compared to Ethereum (ETH): How they agree: Ethereum now uses a PoS system. It's more energy efficient than the old PoW, but still different from XRP's RPCA. Speed and price of simple transfers: Just for deposits, XRP is generally faster and cheaper than Ethereum, although Ethereum is increasingly handling much better traffic with Layer 2 add-ons. Smart coins and applications: Ethereum is well-known for its powerful smart contract tools and a huge world of decentralized applications (dApp). XRPL is mostly about payments, but it's stepping up its smart contract game with the likes of Hooks and the upcoming EVM subchain, which hopes to get Ethereum developers on board. Money supply: Ethereum does not have a fixed maximum supply, but the number of new coins created will be controlled. XRP adheres to a fixed supply that has been created. The main goal: Ethereum wants to be a "world computer" for all decentralized uses. XRP focuses on moving value efficiently, primarily for financial companies. A quick look at the differences of XRP: Speed & Savings: XRP transactions are indeed faster and cheaper. Environmentally Friendly: The way XRPL agrees on transactions uses significantly less energy compared to PoW. Handling Multiple Transactions: Designed to handle many transactions. Specific Use Cases: Truly aimed at large organizations for payments and account settlements. Token Creation: All tokens are pre-minted, with Ripple receiving a large portion upfront to help build the ecosystem. Agreement System: RPCA is special with the UNL setup aimed at speed and low cost. Ripple Labs and XRP: A close relationship that is often questioned Ripple Labs, a major name in the financial technology sector, has a complex past closely tied to the digital currency XRP and the XRP Ledger that the company utilizes. From RipplePay to OpenCoin: Where it all began The seeds for Ripple have been sown since 2004 with Ryan Fugger's RipplePay, his idea of a decentralized monetary system. Back in 2011: Jed McCaleb, who also founded Mt. Gox, set out to work on an energy-smart digital currency using consensus for validation, rather than Bitcoin-style mining. McCaleb, along with David Schwartz and Arthur Britto, set out to build the XRP Ledger (XRPL), which strives to create a long-term digital asset perfect for payment purposes. In 2012, McCaleb and entrepreneur Chris Larsen spoke with Fugger. This led to the establishment of OpenCoin in September 2012, with Schwartz and Britto in the founding team. Shortly thereafter, OpenCoin was renamed Ripple Labs. XRP and XRPL: Step outside The XRP Ledger, an open-source blockchain, emerged in June 2012. At the same time, 100 billion XRP tokens were created – all at once. This "pre-mine" is a significant factor that distinguishes it from assets like Bitcoin. How XRP was first awarded: A hot topic The distribution of the initial 100 billion XRP has been discussed and debated extensively: Ripple (công ty): XRPL builders gave 80 billion XRP to OpenCoin (sau this became Ripple Labs). Ripple says this is to help the company build the XRP ecosystem.Founders and first team: The remaining 20 billion XRP was given to co-founders like Larsen and McCaleb, among others who supported from the beginning. Identify Ripple and XRP Ripple Labs: This is a private technology company that sells blockchain-based payment solutions for businesses. The company's products, such as the On-Demand Liquidity service (ODL) (are currently part of Ripple Payments), using XRP as a bridge to transfer money internationally faster and cheaper. XRP: This is the native currency of the XRP Ledger. It is used to pay transaction fees and serves as a bridge currency. XRP Ledger (XRPL): This is a public, decentralized, open-source blockchain. Ripple is key to starting and continues to help it grow, but Ripple does not own or control the XRPL alone. The community increasingly guides its direction, and changes require consensus from validators. Ripple only runs a small number of the network's validators. The lasting influence of Ripple and the sales of XRP Since Ripple holds a lot of XRP, it has a lot of influence. The company has regularly sold XRP to pay bills, invested in ecosystem expansion, and encouraged more people and businesses to use XRP. To ease fears of flooding the market, Ripple, in 2017, locked 55 billion XRP in a super-secure digital escrow account. This system releases up to 1 billion XRP per month. Any unused numbers will be returned to the escrow account. By the beginning of 2025, there is still a large part locked. Ripple also demonstrates its strength by funding projects within the ecosystem, signing agreements with large organizations, and encouraging governments to establish clearer regulations. The debate and confrontation of the SEC People often criticize XRP for being too centralized because Ripple holds too many tokens and played a significant role in the early days. However, the most pressing issue is the lawsuit from the U.S. Securities and Exchange Commission (SEC), which began in December 2020. The SEC claims that Ripple sold XRP as an unregistered security. A game-changing moment came in July 2023 when Judge Analisa Torres ruled that XRP sold under a program on exchanges is not a securities offering - a major victory for Ripple. However, she stated that sales directly to large institutions are securities. The SEC attempted to appeal the part regarding program sales but was denied. Fast forward to May 2025, and it seems that this long legal battle is finally coming to an end. There are rumors that the final verdict will be handed down in August 2024. The ruling included a permanent ban on Ripple from making institutional sales and a civil fine of $125 million — far less than the amount the SEC originally wanted. Although appeals have been filed, by early May 2025, there is news of a settlement agreement: Ripple will pay $50 million in fines, and both parties will withdraw their appeals. Most people see this as a good outcome for Ripple and all XRP supporters. The monetary issue of XRP: Supply, escrow, and its significance for the market The financial structure of XRP revolves around a fixed number of pre-mined tokens and a special escrow system. How much XRP?: Exactly 100 billion XRP was created when it launched and will never be created again. This setup is intended to combat inflation by design. As of May 2025, there are between 55 and 58 billion XRP available and usable, although the exact number may vary slightly depending on who you ask. Ripple Lock: In December 2017, Ripple put 55 billion of its XRP into a ledger escrow. The system can release up to 1 billion XRP per month. If any amount is not used, it will be returned to the deposit. This creates a predictable, albeit sometimes controversial, schedule for new supply to the market.What this means for buyers and sellers: While margin tries to make things predictable, large monthly releases can sometimes cause prices to spike in the short term. But in the long run, XRP's value is more closely tied to how useful it really is, especially in Ripple's payment products like ODL and its widespread adoption. A small amount of XRP destroyed in each transaction also creates a small deflationary push. Clear rules from the government, especially after the news of the SEC lawsuit, remain extremely important for large investors to feel confident and for prices to stabilize. What can you do with XRP? Payments and much more. The main purpose that makes XRP famous is to change the way money moves around the world, but this coin is also aiming for other goals. Cross-border remittances (Ripple Payments/ODL): XRP serves as an intermediary currency in Ripple Payments' ODL service. This allows for almost instant international payments at low costs as banks don't need to hold a lot of money in offshore accounts (tài nostro). This has attracted the attention of financial companies such as Tranglo and SBI Remit. It is reported that it is used quite a lot in Japan, and US banks are said to have started using it for international payments in 2024.Tokenize everything: XRPL can be used to create (token) digital versions of any asset class. Think stablecoins, NFTs, and maybe even real-world things like real estate (Tài real-world or RWA). This can make it easier to trade assets and allow people to own a fraction of them. Platforms like Sologenic are now using XRPL to tokenize securities. Digital currencies for central banks (CBDC): Ripple is negotiating with central banks, providing them with a platform based on XRPL technology to create their own digital currencies. They are working with places like Palau, Bhutan, Colombia, Georgia and Montenegro. XRP itself can even help move these CBDCs between different countries. (DeFi) decentralized finance: With a built-in DEX, an Automated Market Maker (AMM) coming soon, and an EVM subchain on the way, XRPL is starting to make more noise in the DeFi world. such as payments used by platforms such as Coil. While traditional banks have been slow to engage partly due to unclear regulations in the United States in the past, recent legal victories are seen as a good sign that could accelerate things. Why should you invest in XRP? The good things Main mission: XRP was built from the ground up to serve the purpose of efficient international payments, and this remains a major attraction. Fast, Cheap, High Capacity: Transactions are settled in seconds, fees are nearly zero, and it can handle large traffic, with some claiming up to 1,500-3,400 TPS. These are practical advantages. Major companies involved: Agreements with financial companies and increasing recognition worldwide demonstrate its potential for the future. New technology on the horizon: Research on CBDCs, turning real assets into tokens, and the growing DeFi space all point to new areas where this technology can evolve. Solid Tech: Energy-efficient and open-source, this is definitely a strength of this technology. Risks and barriers for XRP holders Lawmakers are still watching: Even with good news from U.S. courts, cryptocurrency regulations around the world are still inconsistent and could affect the pace of adoption. Price movements: XRP, like any other cryptocurrency, can rise or fall sharply depending on how the market feels, regulatory news, and developments in the economy as a whole. Fierce competition: The world of payments is crowded. Established companies like SWIFT are improving (với SWIFT gpi), stablecoins are gaining popularity, other Layer 1 blockchains are on the way, and CBDCs are on their way to launch. Concerns about centralization: Despite getting better, Ripple still holds a lot of XRP and has a big say in the early days, which keeps the "is it too centralized?" debate to continue. How quickly big banks are adopting: Getting large traditional financial institutions to deeply integrate XRP is still important to pay attention to. XRP Price: A Wild Ride The price of XRP is truly volatile, with incredible increases and sharp declines, often influenced by the SEC lawsuit, overall market sentiment, and news regarding the adoption of this coin. Early Days and 2018 Fever: After years of being below $0.01, XRP exploded during the 2017 crypto craze, soaring to an all-time high of around $3.84 in January 2018. Then there was a major market downturn. Aftermath of the SEC lawsuit: When the SEC filed a lawsuit in December 2020, prices plummeted and many exchanges stopped trading. Court wins and rising prices: Good news from the court, especially Judge Torres' July 2023 ruling, has sent prices soaring. The news of a possible settlement in May 2025 also helped the price rise sharply. What happened recently (Cuối 2024 – May 2025): XRP saw a major jump at the end of 2024, erasing the prolonged bear market downturn. This is partly because people are hoping for a deal and the crypto market as a whole is going strong. After reaching a new high (một the number of reports mentions around $3.27-3.40 in January 2025, partly due to ETF) rumors, it fell back down before rising again in May 2025 when the SEC's settlement of the lawsuit appeared to be complete. Moving by the market: XRP usually moves with the rest of the cryptocurrency market, especially Bitcoin. But sometimes, specific news about XRP can cause it to go its own way for a while. Looking ahead: Ripple's plans and the promise of XRP Ripple has big plans for XRPL, focusing on improving technology and attracting more large organizations to participate. Technology upgrades: Major improvements are being implemented, such as built-in smart contracts, a sidechain operating with Ethereum ( expected in Q2 2025 to attract Ethereum developers, fully integrated Automated Market Maker )AMM(, better tools for minting real-world assets )RWA( and a Decentralized Identity )DID( system for institutional DeFi. Promoting adoption: The main focus remains on DeFi for institutions, cross-border payments, collaboration with central banks on CBDC, and building a community of developers through grants and support programs. Big goal: They want to make XRPL the top choice for institutional finance, connecting traditional currencies with blockchain and finding more applications for it beyond payment purposes. What do experts think about the enduring strength of XRP Analysts have all sorts of predictions for XRP. Optimistic predictions for 2025 typically range from 5 to 15 dollars, but that depends on friendly regulations and many new users. Looking further to 2030, the predictions are even more chaotic. Some people are very hopeful to see it surpass 20 dollars, while those who are less confident believe it could drop if competition becomes too fierce or regulations worsen. Whether XRP will exist in the long term really depends on whether financial institutions begin to use it widely and consistently, whether governments around the world create useful regulations, and whether it can continue to innovate faster than its competitors. Recent good news from the legal battle in the United States is a big plus, but the path to becoming a global financial system is still an evolving process.