It feels like the gate is about to open this year." Ripple President Monica Long described the institutions’ interest in a recent interview. XRP A historic shift in attitude. This statement quickly sparked heated discussions within the XRP investor community.
She revealed that the CEOs of financial institutions, such as American banks, that have long collaborated with Ripple have now clearly stated that they are "fully committed." This shift marks a systematic return of confidence in XRP from the traditional financial system after years of regulatory uncertainty.
01 Regulatory deadlock broken, institutional attitude shifts 180 degrees
In Monica Long’s view, the lack of regulatory transparency has created an extremely difficult environment for innovation and collaboration.
The five-year legal stalemate between Ripple and the U.S. Securities and Exchange Commission (SEC) has created a chilling effect across the entire industry, leading many U.S. financial institutions to suspend or cancel projects related to digital assets.
However, this period of hesitation is being replaced by new momentum. Long revealed that the conversation with banks "changed dramatically overnight" after the U.S. presidential election.
The election results have affected the market’s expectations for future financial policies and regulatory directions, and this change in expectations is immediately reflected in institutional actions.
The relatively friendly attitude of the Trump administration towards cryptocurrency, along with expectations of potential personnel changes in the SEC leadership, has provided a release valve for long-suppressed institutional demand.
Many banks have completed their technical preparations and internal compliance frameworks in recent years, and are just waiting for a signal of policy clarification - and this signal now seems to have emerged.
02 Unified Strategic Framework, Connecting Traditional and Digital Finance
As the president of Ripple, Monica Long is leading the company to execute a unified strategic framework aimed at connecting the traditional financial world with the digital asset world.
She joined Ripple in 2013, leading the team to launch On-Demand Liquidity (ODL) – one of the industry’s first enterprise crypto solutions for cross-border transactions using crypto technology.
Under her leadership, Ripple is unifying institutional finance, decentralized finance (DeFi), and cross-border payments under a compliant vision to promote global adoption.
Long emphasizes that XRP’s unique advantages lie in its compliance and scalability, making it a practical choice for asset tokenization and real-world financial applications.
This strategic positioning contrasts sharply with Bitcoin’s "digital gold" narrative or Ethereum’s "smart contract platform" positioning, highlighting XRP’s bridging role between traditional finance and the blockchain system.
03 RLUSD stablecoin complements the XRP ecosystem.
Ripple’s dollar stablecoin RLUSD is a key component of its strategic layout. In July 2025, Ripple announced a partnership with BNY Mellon, designating this nearly 240-year-old financial giant as the primary reserve custodian for RLUSD.
This cooperation is seen as an important step for RLUSD towards becoming an institutional stablecoin with gold-standard trustworthiness under a regulatory compliance framework.
Monica Long stated that RLUSD is designed for fast payments and high liquidity transactions in business-to-business (B2B) settings, particularly suitable for cross-border payment scenarios.
As of now, RLUSD has become the eighth largest stablecoin on the market, with a market capitalization surpassing 500 million dollars.
Analysts point out that RLUSD and XRP form a complementary ecosystem: RLUSD provides dollar stability, while XRP offers cross-chain liquidity. This combination is highly attractive to banks that need to handle both fiat settlement and cross-border transfers.
04 ETF Application and Institutional Holding Changes
The cryptocurrency influencer Xaif specifically mentioned during the sharing of Long’s interview that once BlackRock announces the launch of the XRP exchange-traded fund (ETF), it could trigger an explosive increase in institutional participation.
Although neither BlackRock nor Ripple has confirmed the related plans, this speculation has sparked widespread discussion in the community.
At the same time, data from the exchange shows that the institutional holding pattern of XRP is undergoing significant changes.
Recent data shows that Gate has significantly reduced its XRP holdings from over 780 million XRP to about 200 million, a decrease of 69%.
This unusual movement is believed to be related to institutional investors transferring tokens to cold wallets for long-term storage.
XRPwallets—a comment account about XRP on the social media platform X—speculates that this pattern indicates institutional channels are absorbing XRP, making exchanges increasingly a platform for retail activity.
A reduced exchange balance typically indicates weakened selling pressure, which may support price stability.
05 Technical Fundamentals and Market Performance
Ripple’s Chief Technology Officer David Schwartz has emphasized the technical capabilities of the XRP Ledger, including a processing capacity of 1,500 transactions per second and privacy upgrades based on zero-knowledge proofs.
These technological innovations help XRP become a pillar of institutional DeFi—a form of decentralized finance built for enterprise use.
In terms of market performance, XRP has shown a mildly optimistic trend recently. During Monica Long’s interview, the trading price of XRP was about $2.42, which increased by 2% that week.
Analysts point out that the Relative Strength Index (RSI) of XRP remains below 70, indicating that there is room for growth if positive news arises.
At the same time, XRP continues to trade below the $3 resistance level after experiencing multiple rejections, which makes the short-term trend of this cryptocurrency uncertain.
However, as more banks restart cooperation, ETF applications progress, and the stablecoin ecosystem improves, XRP is delivering on its long-term vision as the "preferred digital asset for financial institutions."
06 Outlook and Industry Impact
The latest statement from the president of Ripple marks a key turning point for XRP from "regulatory shadow" to "institutional embrace."
The CEO of Bank of America’s "full commitment" is not only an acknowledgment of XRP technology but also a recognition of the maturity of the entire digital asset industry.
Once leading institutions like American banks start to use XRP on a large scale, it will trigger a domino effect within the industry.
The banking industry has a明显的 "follower effect"; once industry leaders validate the feasibility and compliance of a certain technology, small and medium-sized institutions quickly follow suit to avoid competitive disadvantages.
Currently, Ripple has a large number of banking clients in the Asia-Pacific, Middle East, and Latin America regions, and a breakthrough in the US market will complete the last piece of the puzzle.
Long’s optimistic expectations are not unfounded but are based on strategic judgments grounded in specific business discussions and cooperation progress.
Future Outlook
Institutional funds are searching for entry points. Data shows that the XRP holdings on the Gate exchange have sharply decreased from 780 million to about 200 million XRP within a few weeks, a decline of 69%. Meanwhile, institutional investors like BlackRock are transferring tokens to cold wallets for long-term storage.
Market analysts point out that a reduction in exchange supply typically indicates a decrease in selling pressure, which could lead to XRP price Stability and even an increase create conditions. In Monica Long’s vision, this is not just a change in numbers, but a prelude to institutional adoption.
