While much of the cryptocurrency conversation remains focused on meme coins, a significant shift is occurring behind the scenes with XRP. A sustained influx of institutional investment, coupled with key regulatory approvals for Ripple’s stablecoin, is painting a picture of growing mainstream financial integration. The question for the market is whether this represents a fundamental breakthrough or a temporary phase in the volatile digital asset space.
Stablecoin RLUSD Gains Regulatory Traction and Scale
A substantial, though less headline-grabbing, development is the ascent of Ripple’s USD-pegged stablecoin, RLUSD. It has now surpassed the one billion dollar market capitalization threshold. This growth is underpinned by two major regulatory advancements achieved in quick succession.
First, in Abu Dhabi, the Financial Services Regulatory Authority (FSRA) granted official recognition to RLUSD as a regulated, fiat-backed digital token. This clearance allows institutional clients within the United Arab Emirates to utilize it immediately.
Second, Ripple Markets APAC secured an expanded Major Payment Institution (MPI) license from Singapore’s Monetary Authority. This license permits the company to facilitate RLUSD and XRP transactions for cross-border payments and treasury management across Southeast Asia.
Currently, approximately 82% of the RLUSD supply resides on the Ethereum blockchain to leverage its deep decentralized finance (DeFi) liquidity. However, adoption on the native XRP Ledger (XRPL) is growing steadily as more on-chain protocols integrate the new stablecoin.
Uninterrupted ETF Inflows Signal Strong Demand
The data from exchange-traded funds tells a compelling story. U.S.-listed XRP ETFs have recorded net new inflows for twelve consecutive trading days, bringing in nearly $845 million in fresh capital. On Monday alone, $89.65 million entered these products, led by funds from Franklin Templeton and the Canary Capital XRP ETF.
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The pace of adoption is notable. Despite launching later than comparable Solana-based ETF products, XRP funds have now overtaken them in terms of total assets under management. The one-billion-dollar AUM milestone is within close reach—a growth rate currently only exceeded by Bitcoin and Ethereum ETFs.
Key implications of this trend include:
* Institutional buyers are creating a form of “demand shock” in the market.
* Even during profit-taking by retail investors, the price finds underlying support.
* The psychologically significant $2.00 level is holding as a key support zone.
On-Chain Metrics and Market Absorption Remain Positive
Market dynamics on the XRP Ledger itself continue to show constructive signals. Despite the scheduled release of one billion XRP from Ripple’s escrow account at the start of the week—a routine monthly event—the market absorbed the additional supply without significant disruption.
Large holders, or “whales,” with wallets containing over ten million XRP were noted to be aggressive buyers around the $2.00 price point. Meanwhile, the number of active addresses on the XRPL has hit multi-month highs, driven by increasing RLUSD transfer activity and growing interest in XRPL-based DeFi protocols. On a daily chart, the Stochastic RSI indicator suggests the upward momentum could continue, with a potential test of the resistance area between $2.35 and $2.50.
BlackRock Commentary Underscores Broader Tokenization Trend
In a recently published essay, BlackRock CEO Larry Fink and COO Rob Goldstein framed asset tokenization as the “early internet period” for financial markets. The leadership of the world’s largest asset manager argued that digitizing real-world assets will fundamentally modernize global settlement systems.
While Fink did not mention XRP by name, market analysts interpret his comments as validation for the core technology of the XRP Ledger: the fast, low-cost transfer of tokenized value. In a related signal, BlackRock’s own tokenized treasury fund, BUIDL, recently crossed the two-billion-dollar mark, demonstrating that institutional capital is seriously committing to real-world asset infrastructure.
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