{ "id": 63726, "date": "2026-03-19T09:17:54", "date_gmt": "2026-03-19T02:17:54", "guid": { "rendered": "https:\/\/hbbgroup.net\/ripples-500m-raise-and-institutional-ties-keep-xrp-firmly-in-place\/" }, "modified": "2026-03-19T09:17:54", "modified_gmt": "2026-03-19T02:17:54", "slug": "ripples-500m-raise-and-institutional-ties-keep-xrp-firmly-in-place", "status": "publish", "type": "post", "link": "https:\/\/hbbgroup.net\/en_us\/ripples-500m-raise-and-institutional-ties-keep-xrp-firmly-in-place\/", "title": { "rendered": "Ripple\u2019s $500M Raise And Institutional Ties Keep XRP Firmly In Place" }, "content": { "rendered": "
\n

Major Wall Street investors poured $500 million into Ripple in 2025 \u2014 a figure that reflects just how embedded XRP has become in the company\u2019s financial backbone, and why analysts say Ripple has little reason to walk away from it.<\/p>\n

A newly circulated academic paper, published in Advances in Economics, Business and Management Research, argues that XRP\u2019s role in Ripple\u2019s cross-border payment network makes abandonment not just unlikely, but structurally difficult. The paper was brought to wider attention by XRP<\/a> community researcher SMQKE<\/a>.<\/p>\n

The Case Against Cutting Ties<\/h2>\n

Ripple Payments \u2014 formerly known as RippleNet<\/a> \u2014 uses XRP as a bridge asset to move money across borders quickly and cheaply. According to the paper, that dependency runs deep. XRP helps guard against double-spending risks while cutting the delays that plague traditional payment systems.<\/p>\n

Banks like Bank of America and Santander are among the financial institutions connected to Ripple\u2019s network. That kind of institutional footprint makes any sudden pivot away from XRP a complicated proposition, reports indicate.<\/p>\n

\n

\u203c\ufe0f WHY RIPPLE WILL NEVER ABANDON XRP\u203c\ufe0f<\/p>\n

Read closely.\ud83d\ude36\u200d\ud83c\udf2b\ufe0f<\/p>\n

\u201cBecause RippleNet DEPENDS much on XRP, the XRP will coexist with Ripple Labs.\u201d\u2705<\/p>\n

\u201cIn this way, as long as Ripple Labs is widely used for its cross-board real-time payment business, the XRP market will ALWAYS work as a\u2026 pic.twitter.com\/9YZvBLoExt<\/a><\/p>\n

\u2014 SMQKE (@SMQKEDQG) March 13, 2026<\/a><\/p>\n<\/blockquote>\n

<\/p>\n

The paper stops short of declaring XRP untouchable. It points to regulatory tightening and rival technologies as real threats that could reshape how Ripple operates in the long run. Still, its central conclusion is that XRP and Ripple are likely to remain tied together for the foreseeable future.<\/p>\n

XRP\u2019s Broader Ambitions<\/h2>\n

Beyond payments, Ripple has explored positioning XRP as a neutral go-between for central bank digital currencies, or CBDCs<\/a>. The idea is that XRP could connect different national digital currencies without requiring the parties to rely on traditional financial intermediaries.<\/p>\n

XRPUSD now trading at $1.46. Chart: TradingView<\/a><\/figcaption><\/figure>\n

That ambition signals something important. Ripple isn\u2019t treating XRP as a legacy product to be quietly retired. Based on reports, the company has been actively expanding its use cases rather than winding them down.<\/p>\n

CEO Brad Garlinghouse has publicly described XRP as the company\u2019s guiding purpose. His exact words, often repeated in the XRP community: \u201cXRP is our north star.\u201d<\/p>\n

Stablecoin Launch Adds A New Layer<\/h3>\n

Ripple\u2019s rollout of RLUSD<\/a>, its own stablecoin, has fed speculation that XRP might be getting sidelined. Some observers read the move as a sign that Ripple is hedging its bets with a more stable asset.<\/p>\n

Ripple executives have pushed back on that reading. They maintain XRP is not being replaced \u2014 that RLUSD operates alongside it, not instead of it.<\/p>\n

The academic paper largely supports that position. It frames XRP as central to both network security and overall system efficiency, not as a technology on its way out. Whether that holds as stablecoins gain ground across the broader payments industry remains an open question.<\/p>\n

Featured image from Pexels, chart from TradingView<\/em><\/p>\n<\/p><\/div>", "protected": false }, "excerpt": { "rendered": "

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