The following is a guest post and analysis from Vincent Maliepaard, Marketing Director at Sentora.
2025 has marked a turning point for XRP, combining explosive price gains with transformative shifts in its core narrative. In July, the token hit an all-time high of $3.58, propelled in part by decisive legal victories. Beyond price action, Ripple’s launch of the RLUSD stablecoin has gained significant traction, and the network is now doubling down on expanding XRP’s footprint in the DeFi ecosystem.
The foundation of XRP’s breakout was laid when the SEC dropped its lawsuit against Ripple, removing a significant regulatory overhang that had suppressed institutional interest for years. This legal resolution as well as the Trump administration’s crypto-friendly policy framework, including the GENIUS Act, catalyzed a broader bull market across digital assets.
The token has also benefited from a strategic revaluation as institutional investors engaged in speculative rotation toward under-owned large-cap cryptocurrencies, recognizing XRP as a legitimate capital layer rather than a speculative trading vehicle.
This thesis was reinforced by Ripple’s launch of the RLUSD stablecoin in late 2024, which quickly scaled to a $600 million market cap and demonstrated real-world utility in driving adoption momentum. The ecosystem expansion has continued with the launch of the XRPL EVM sidechain, enhancing interoperability and smart contract functionality, while anticipation builds around the potential approval of an XRP ETF that could further accelerate institutional adoption.
Let’s dive in for a breakdown of XRP’s growth and momentum, new players in the ecosystem and XRP’s breakthrough in DeFi.
XRP’s Growth and Momentum
XRP’s concentration dynamics reveal a mature institutional ownership structure that mirrors traditional financial assets, with the top 10 wallets controlling approximately 41% of circulating supply, expanding to 50% among the top 20 holders and over 70% within the top 100. This concentration pattern indicates institutional capital allocation rather than retail speculation, which supports XRP’s evolution into an institutional asset class.
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Author: Vincent Maliepaard
