Two significant developments this week underscore XRP’s deepening integration into the formal financial sector, moving beyond its traditional role in retail trading. Major platforms are now leveraging the digital asset for structured lending products and as a foundation for regulated digital currency issuance.

French Banking Giant Deploys Stablecoin on XRP Ledger

Societe Generale-FORGE, the digital assets division of the French multinational bank, has launched its euro-pegged stablecoin, EURCV, on the XRP Ledger (XRPL). The institution selected the XRPL for this deployment due to its high transaction throughput and minimal cost structure—key considerations for enterprise and institutional settlement use cases.

This move signals growing acceptance of the XRP Ledger among regulated financial entities. The focus is shifting from speculative trading toward practical banking applications and cross-border payment infrastructure, with the platform proving its utility for real-world financial instruments.

Coinbase Expands Crypto-Backed Lending to Include XRP

In a parallel development, Coinbase has added XRP to its lending service. Eligible customers in the United States can now use the token as collateral to secure loans in USDC. This facility is facilitated through the Morpho protocol on the Base blockchain, with a borrowing cap set at $100,000 per client.

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This integration provides XRP holders with access to liquidity without the need to sell their holdings. It represents another step in the asset’s incorporation into Coinbase’s broader product ecosystem, following the exchange’s earlier resumption of XRP spot trading.

Price Action Remains Subdued Amid Structural Shift

Despite these advancements, XRP’s market price has shown limited reaction, currently consolidating in a narrow range between $1.46 and $1.48. The muted response suggests that institutional adoption may be a gradual process whose effects on valuation materialize over time.

The fundamental landscape for XRP has already undergone a substantial transformation following the resolution of its SEC litigation in August and the anticipated launch of spot XRP ETFs by the end of 2025. Market support is increasingly derived from institutional inflows rather than retail investor sentiment. The market will be watching closely to see if the Coinbase and Societe Generale integrations begin to generate tangible demand effects, with February 20 noted as a potential date for early indicators.

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