A savvy investor always stays updated with market trends and changing dynamics. But as the crypto market evolves, crypto giants like XRP are continuously making advancements and collaborations and are getting widely adopted. There are several 2025 updates on XRP that you, as an investor, should consider to create effective strategies for diversifying your investment.
In this article, you’ll get to know about the latest innovations of XRP, its investments, and collaboration that could fuel its price this year, along with its legal battle with SEC updates. All of these factors hugely contributed to the XRP price movement, so knowing these is a must if you want to capitalize by investing in XRP. Let’s explore them all below!
Latest Innovations and Technological Advancements
XRP is set to launch a new technology on March 22, 2025, called automated market maker (AMM), that allows the system to offer enhanced transactions on the XRPL that will mainly benefit financial institutions that often engage in international transactions.
One of the most advantageous features of the technology is closing back transactions, which will reduce the food risk and adhere to compliance. This function will allow de-risk transactions and improve regular security, keeping the space safe.
Beyond this XRP primary token, the SMM will spot the market-making for real-world assists, such as the US Treasuries that is now available on the XRPL. This improved launch will be really beneficial for the banks; other than this, XRP is also expected to introduce a programmable smart contact capitation and will introduce borrowing and lending functions on this system.
These advancements will strengthen the XRP image in the crypto space and will make it a pioneer in cross-border payments.
Key Partnerships and Collaborations in 2025
XRP is the digital currency that is owned by Ripple Labs and runs on XRP Ledger (XRPL). It has partnered with multiple banks, offering low-cost transactions, secure space for international payment, instant finality, and enhanced money translation. Ripple’s key partner is Santander, which launched One Pat FX using the Ripple technology for international transactions.
One more prominent collaboration is with American Express, which partnered with Ripple to create a cross-border payment belt between the US and the UK. PNC Financial Services has adopted Ripple’s Current platform for secure and affordable international transfers, while Standard Chartered and Euro Exim Bank have incorporated RippleNet to streamline their global settlement process.
Furthermore, SBI Holdings actively promoted Ripple’s technology in Asia via SBI Ripple Asia, with the goal of increasing XRP’s utilization in financial services and remittances. MoneyGram is also a partner of Ripple that collaborated to enhance liquidity and reduce remittance costs, though this collaboration was paused in 2021 due to regulatory concerns.
Caullix is also a partner of XRP, which uses the Ripple space for US-Mexico transactions. Overall, RippleNet is connecting over 300 financial institutions, including BBVA, Banco Santander, UniCredit, and Citi, and continues to grow as a global payment network.
Regulatory Clarity: The Ongoing SEC Battle and Its Impact
The SEC filed a lawsuit against Ripple Labs in December 2020. The SEC accused Ripple of constituting unregistered sales of XRP. Ripple argued in their difference that XRP is a digital currency, not a security.
In August 2024, Judge Analisa Torres ruled that Ripple’s institutional sales violated securities laws while programmatic sales to rental investors did not, resulting in a fine of $125 million and a ban on institutional sales. However, with the recent shift in SEC’s stance and leadership change after Donald Trump won the election, the legal battle may soon conclude.
This will bring more regulatory clarity, boost investor confidence, and allow Ripple to expand its business freely. Overall, Ripple is collaborating, updating, and innovating, as well as dealing with legal issues while making price surges by overcoming all the hurdles.
This displays Ripple’s commitment to offering a good experience and resilience to uncertainty. These updates on Ripple will allow the investor to make a conscious decision. Still, we advise the investor to conduct independent research and understand the market condition comprehensively before making any investment.
