Ripple may not be trying to destroy the banking system — it may be trying to upgrade it. With global partnerships, regulatory licenses, and a $50 billion valuation, Ripple is positioning XRP and the XRP Ledger as the settlement layer for the next generation of finance.

A new regulatory “ETF wall” is emerging in crypto markets. XRP has already crossed it with multiple spot ETFs and growing institutional inflows, while Stellar’s XLM may not qualify until late 2026. Here’s why the timing could determine which asset captures the next wave of institutional capital.

BlackRock manages trillions and leads Bitcoin and Ethereum ETFs — yet they’ve avoided XRP. With $1.1B already in XRP ETFs, is institutional demand building toward a major shift? Here’s what could trigger a BlackRock filing and how it may impact XRP’s price trajectory.