GENIUS Act signed! Ripple won the White House nuclear weapon. XRP was reborn. Wall Street was kneeling to cater to the king of compliance | Devouring SWIFT plan 🚀XRP seized 14% of global liquidity | The ultimate weapon of GENIUS bill 💣 Ripple White House

GENIUS Act signed! Ripple won the White House nuclear weapon, XRP was reborn, Wall Street was reborn as King of Compliance Ripple was reborn as: The legal battle behind the 500% surge and the $250 billion payment empire's seven-year legal tug-of-war ended with a bill signing, Wall Street capital and the global banking system are quietly reshaping the fate of a cryptocurrency that was sentenced to death. On July 18, 2025, the price of Ripple (XRP) broke through $3.64, breaking through the historical peak of seven years in one fell swoop. The market was instantly boiling, trading volume soared to $18 billion, and the number of on-chain addresses surged like a sudden rise in electrocardiogram - this was not a simple speculative fanaticism, but a collective vote of capital for an epic reversal. XRP has staged an eye-catching 500% increase since July 2024, but this is just the prelude. When the SEC's lawsuit was swept away by the CLARITY Act, and when the GENIUS Act, Trump's written by the author opened a trillion channel for stablecoins, Ripple is standing up from the ruins of the "securities" label, targeting the throne of global payment infrastructure. --- 01 Seven years of ups and downs, the supervision from the peak to the abyss strangled Ripple in early 2018 at its peak. As the world's second largest cryptocurrency, its market value has exceeded US$150 billion, and financial giants such as MoneyGram are on the list of partners. The cross-border payment solution created by Ripple Labs promises to shorten interbank clearing time from days to seconds and reduce costs by more than 60%, making it the star of tomorrow that subverts the SWIFT system. However, the fatal weakness lies in the gray area of regulation. Unlike Bitcoin and Ethereum, Ripple Labs, as a centralized operator, holds a large amount of XRP, which has become an excellent target for the SEC. In December 2020, the SEC launched a fatal blow: accusing Ripple of conducting a $1.3 billion "unregistered securities issuance" through XRP. The market response was extremely cruel: - Mainstream exchanges such as Coinbase collectively removed XRP, and liquidity evaporated instantly - Price collapsed and fell by more than 90%, and market value ranking fell to the edge - The expansion plan of the cross-border payment network ODL (On-Demand Liquidity) is almost frozen "SEC is killing local innovation in the United States!" The angry Ripple community shouted on the X platform, but was unable to stop capital from escaping. The sword of regulation not only slashes towards XRP, but also affects the US concept currency camp - tokens such as ADA, Star Coin (XLM), and ChainLink (LINK) have all been neglected by institutions due to compliance risks. 02 The Jedi reversal, the triple victory of law and policy began with the court offensive and defensive battle. In 2023, Judge Analisa Torres made a historic ruling: Institutional sales of XRP belong to securities, but exchange secondary market transactions belong to commodities. Although this "separated recognition" is not perfect, it retains vitality for XRP. The real breakout happened in 2025: Legal battlefield: Ripple reached a settlement with the SEC at a $125 million fine, far below the $2 billion the SEC originally asked for. The SEC withdraws its appeal to the legality of the secondary market, and defaults to the product attributes of XRP on the retail side. The five-year lawsuit finally disbanded. Legislative Revolution: The CLARITY Act passed by the U.S. House of Representatives on July 17 will clearly determine the secondary sales of decentralized tokens as commodities, and will be regulated by the CFTC (Commodity Futures Trading Commission). The bill hits the key points of SEC's law enforcement power and builds a legal moat for XRP. Political East Wind: Trump signed the GENIUS Act to establish a federal regulatory framework for stablecoins. Although it mainly targets stablecoins such as RLUSD, it gives regulatory power to the Ministry of Finance rather than the SEC, completely breaking down the SEC's basis for killing XRP. Three arrows were launched at once, and XRP soared 20% in 72 hours, setting a historical peak of $3.64. Data from short sellers’ liquidation revealed that this is a capital crush driven by regulatory expectations. 03 New infrastructure role, value bridge in the stablecoin era. When RLUSD (Ripple's compliant stablecoin) emerged with the east wind of the GENIUS Act, XRP was not replaced, but instead found a clearer ecological niche. Neutral value of the liquidation layer: GENIUS Act requires stablecoins to reserve cash or Treasury bonds 1:1, mainstream stablecoins such as RLUSD and USDC will run on XRP Ledger. Each transaction requires burning a trace amount of XRP as a handling fee, making XRP naturally a clearing bridge between multiple stablecoins. "XRP does not have to become a stablecoin itself. It is a neutral settlement layer connecting different stablecoins and cross-chain assets" - RippleXity experts reveal the mystery. A powerful tool to fight against CBDC: Trump signed the Anti-CBDC Act simultaneously, prohibiting the Federal Reserve from issuing central bank digital currencies. This policy opens up huge space for Ripple: central banks in more than 30 countries around the world have negotiated with them on cross-border settlement of CBDC, and XRP has become the "middleware" connecting digital currencies in various countries. Long-term energy storage of deflation mechanism: Although RLUSD transactions burn XRP have little impact on the current 5.91 billion circulation (only 14 million pieces have been destroyed in total), as the global stablecoin transaction scale moves towards US$10 trillion, the network effect will give XRP a scarcity premium. 04 Price trajectory, the dual verification of technical and capital flows has exceeded the historical high, the technical pattern of XRP showed rare consistency: - Daily symmetric triangle breakthrough: Target price points to US$6.03, potential increase of 75% - Four-hour chart bull flag pattern: After breaking through the US$3.46 resistance level, the theoretical target is $5.80 - On-chain buyers dominate: Spot cumulative trading volume difference (CVD) has been positive for 45 consecutive days, indicating that institutional orders continue to pour into the market expectations have entered a positive cycle: - ETF countdown: With the support of Paul Atkins, the new SEC chairman, the probability of XRP spot ETF being approved exceeds 90%. Bloomberg analysts predict that if approved, it will bring an initial inflow of $8 billion - a huge amount of funds gate opens: The Trump administration plans to allow $9 trillion in pensions (including 401k plan) to allocate crypto assets. Even if XRP is allocated 1% to 1, it means $90 billion potential buying - Bank license chess game: Ripple has entered the final stage of applying for a US bank license, and will unlock exclusive services for traditional financial institutions after success, catalyzing the divergence of XRP penetration rate in cross-border settlement analyst target price conflicts: - Conservatives: AI models Gemini and Perplexity predict the target range of $6-10 at the end of 2025 - Radicals: Ripple Pundit predicts a "parabolic rise to $500", based on the approval of bank licenses and the acceleration of SWIFT replacement, predicting that "a parabola will rise to $500", but was Token Metrics refuted - this target requires a market value of US$250 trillion, exceeding the global GDP total - Rational consensus: Most institutions believe that the range of US$10-50 has fundamental support. Goldman Sachs report pointed out that "if you eat 5% of the cross-border payment market, XRP valuation will reach US$250 billion" (approximately US$42 per coin) 05 Ecological expansion, transformation from tokens to financial infrastructure Ripple's ultimate ambition is far from rising token prices. The transformation roadmap released by the executive team in early 2025 reveals three strategic fulcrums: Institutional-level DeFi engine: CTO David Schwartz leads the integration of zero-knowledge proof (ZKP) to improve the privacy and cross-chain interoperability of XRP Ledger. The upgraded smart contract platform can carry the trillion-dollar RWA (real-world asset) tokenized market, covering bonds, ETFs, and commodities. Corporate Funding Channel: The "multi-token funding library" solution promoted by President Monica Long has attracted the attention of technology giants such as Microsoft and Netflix. The technical architecture allows enterprises to automatically exchange RLUSD, CBDC and other compliant assets through XRP. It is expected that the first 20% of multinational companies will adopt such solutions in 2026. Geofinancial pawns: Under Trump's "America First" policy, Ripple has become a strategic tool to fight against China's digital RMB and the EU's digital euro. The US Treasury Department may establish a "XRP strategic reserve" to reshape the emerging market trade settlement network through the RLUSD-offshore RMB liquidity pool. --- Crypto analysts are still debating whether XRP can hit the $500 astronomical figure, but the floodgates of the $250 billion cross-border payments market have been opened for Ripple. When Deutsche Bank tested the XRP settlement system and when the Bank of Thailand used it to build a RMB remittance channel, Ripple's battlefield had long surpassed the fluctuations in the currency price. Just like the silent rise of the early TCP/IP protocols in the Internet, XRP is silently laying new pipelines at the bottom of the global financial system. Bankers may not have noticed it, but history has turned to - this is not a cryptocurrency carnival, but a silent revolution in financial infrastructure.