Ripple Has Processed $95B In Payments—Here's Why That Didn't Lift XRP Price

Benzinga and Yahoo Finance LLC whitethorn gain committee oregon gross connected immoderate items done the links below.

Ripple (CRYPTO: XRP) has processed $95 cardinal successful payments successful total, but XRP’s show successful 2025 shows that terms and adoption bash not ever determination successful lockstep.

For overmuch of the past cycle, the XRP thesis rested connected adoption.

More banks connected RippleNet meant much volume, and much measurement was expected to construe into higher XRP prices.

By that logic, much than 4 cardinal XRP Ledger transactions, astir $95 cardinal successful on-demand liquidity volume, and implicit 300 banking partners should person pushed XRP meaningfully higher.

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However, infrastructure maturation unsocial does not warrant token appreciation unless power and economical seizure besides accrue to the token itself.

The biggest gains successful 2025 went to Ripple Labs, not XRP holders.

Ripple secured support to run Ripple National Trust Bank and raised astir $500 cardinal astatine a valuation adjacent $40 billion.

That marked a displacement from being a bundle supplier to acting much similar a regulated fiscal institution.

Banks paid attraction to Ripple's licenses, compliance tools, and colony network.

Markets stayed focused connected XRP's terms and those 2 tracks did not determination together.

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RippleNet partners specified arsenic MoneyGram International and SBI Remit bash not bargain XRP to speculate.

They usage it due to the fact that it cuts costs and speeds up settlement.

Cross-border payments settee successful minutes alternatively of days, portion avoiding SWIFT fees that tin scope 3% to 5% per transfer.

From a bank's view, whether XRP trades astatine $2 oregon $20 matters acold little than whether the strategy lowers operating costs and reduces counterparty risk.

When 300 banks link to RippleNet, they’re not conscionable adopting a outgo rail—they’re creating switching costs.

Migrating from Ripple’s infrastructure to a rival similar SWIFT’s gpi upgrades, Stellar (CRYPTO: XLM), oregon a proprietary slope consortium means renegotiating with 300 counterparties.

Those switching costs are worthy billions.

Ripple’s 2025 triumph wasn’t XRP hitting $5—it was making it structurally harder for immoderate slope to permission the network.