Critics claimed XRP could never break into the mainstream. But a speech from Ripple CTO David Schwartz flipped that narrative. He revealed the real goal isn’t speculative trading—it’s to connect with the $130 trillion global credit market.
As highlighted by X Finance Bull, Ripple is not just chasing retail adoption. Its ambition is structural. By positioning XRP to tap into the debt and credit markets, Ripple aims to become the settlement layer for massive traditional finance flows.
Institutional Infrastructure: Building the Rails
Ripple is building the foundational infrastructure that institutions require. Its $1.25 billion acquisition of prime broker Hidden Road strengthens its post-trade, clearing, and settlement capabilities. Hidden Road plans to migrate its operations onto the XRP Ledger, pushing settlement onto the blockchain.
This gives Ripple direct access to the world of custody, financing, and securities lending.
“ $XRP will never go mainstream! ” That’s what they told you! 👇
Until David Schwartz got on stage and showed you the real target:
The $130 TRILLION global credit market.
This isn’t some weekend pump project. It’s a full-scale infrastructure upgrade backed by acquisitions in… https://t.co/c3YyoFsLfQ pic.twitter.com/aRu4LX5hNY
— X Finance Bull (@Xfinancebull) November 17, 2025
Regulatory Momentum
Canary Capital’s XRPC spot XRP ETF is officially trading. Nasdaq certified its listing on November 12, 2025, making it the first U.S.-listed single-token XRP ETF. The ETF launched on November 13 and had an impressive start, with its first 30 minutes of trading being astonishing and its overall first-day volume breaking records.
A few days later, Franklin Templeton followed with its own XRP ETF. Their fund, under ticker EZRP, launched on November 18, 2025. This move comes after Franklin Templeton updated its S‑1 filing, removing the delaying “8(a)” clause—an adjustment that cleared the way for auto‑activation.
Franklin’s ETF also appears on the DTCC’s active funds list, under the name “Franklin XRP Trust (XRPZ),” signaling that it’s fully set up for institutional clearing and settlement.
These launches collectively represent a significant regulatory milestone for XRP. With major issuers now offering spot ETFs, the digital asset has crossed a critical threshold toward mainstream, regulated access.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Scaling Cross-Border Finance
By linking custody, broker operations, and tokenization, Ripple is laying the rails for seamless, institution-grade settlement. XRP could finally serve as the bridge between traditional credit instruments and blockchain-native finance. This goes well beyond weekend pump strategies—it’s deep integration.
Why the Timing Matters
This strategy unfolds at a moment of regulatory clarity. The U.S. Securities and Exchange Commission has introduced new rules that simplify the listing of spot crypto ETFs, including XRP. That regulatory tailwind could accelerate adoption and push XRP deeper into the infrastructure of institutional finance.
In conclusion, Skeptics may argue that XRP lacks retail buzz. But Ripple’s long game is not about viral demand—it’s about structural relevance. As Schwartz hinted on stage, this is not speculation. It’s infrastructure. And if all the pieces fall into place, the critics will realize they underestimated XRP by a wide margin.
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.
Follow us on Twitter, Facebook, Telegram, and Google News
