Ripple, long recognized as a leading force in digital assets, is now positioning itself at the intersection of cryptocurrency and traditional finance.
CNBC reported that the firm, led by CEO Brad Garlinghouse, is seeking to merge blockchain innovation with conventional financial services, an evolution that could significantly shape the XRP trajectory in the years ahead.
At the Ripple Swell 2025 conference in New York, Garlinghouse explained that the company’s new focus extends well beyond its Web3 foundations. He noted that Ripple intends “to get ahead of where that market’s going.”
He emphasized that Ripple’s recent acquisitions were “on the traditional finance side” to bring crypto-enabled solutions into mainstream financial systems. This approach represents a decisive shift in strategy as Ripple targets the institutions it once aimed to disrupt.
Ripple Labs is conquering crypto. Now the XRP-linked firm wants to take on traditional finance https://t.co/2bvm8kAdPW
— CNBC (@CNBC) November 10, 2025
A Strategic Expansion
CNBC reported that over the past year, Ripple has spent nearly $4 billion acquiring key firms to accelerate this transformation. In 2025 alone, it purchased prime brokerage Hidden Road for $1.25 billion and financial software provider GTreasury for $1 billion.
It also launched Ripple Prime, a U.S.-based brokerage platform that enables institutions to trade multiple digital assets directly through over-the-counter markets. The initiative coincided with a $500 million fundraising round that lifted Ripple’s valuation to approximately $40 billion.
This expansion comes at a moment of renewed institutional interest in blockchain technology. Under President Donald Trump, U.S. regulators such as the Securities and Exchange Commission and the Commodities Futures Trading Commission have scaled back restrictions on digital assets.
Major banks, including Citigroup and Bank of America, are developing stablecoin and custody solutions, while JPMorgan announced plans to introduce a deposit token using Coinbase’s Base network. Ripple’s timing reflects an effort to secure a strong foothold as traditional finance embraces digital infrastructure.
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Institutional Integration and XRP’s Role
Beyond acquisitions, Ripple is pursuing partnerships that would allow large financial institutions to use its XRP Ledger technology. Garlinghouse stated that expanding real-world utility “at the core” of XRP remains a priority.
Ripple’s growing institutional network could strengthen XRP’s underlying demand. If banks and financial platforms begin adopting the digital asset and its ledger, it could drive sustainable liquidity and higher transaction volumes within the ecosystem.
XRP’s Prospects and Remaining Challenges
Garlinghouse admitted that regulatory uncertainty, worsened by the stalled Clarity Act and ongoing U.S. government shutdown, continues to hinder crypto legislation.
Still, Ripple’s institutional strategy and XRP’s growing utility for settlement and liquidity position the firm for long-term expansion within both digital and traditional financial systems, reinforcing its evolving market role.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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