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XRP Ledger (XRPL) is positioning itself as a regulation-friendly institutional on-chain credit market. In apost on X, Ripple developer Edward Hennis hinted that XRP Ledger is about to get a built-in lending system. This system is designed specifically for institutional users rather than casual decentralized finance (DeFi) users. XRPL to use Single Asset Vaults for risk isolation Notably, the lending protocol is neither an app nor a third-party DeFi platform. Rather, it is a protocol-level feature ofXRPL governed by validators. It will be more predictable and compliant-friendly for institutions. Some of the key features include fixed-term, fixed-rate and unsecured credit options. This indicates that the loans will have durations ranging from 30 days to 180 days, as preferred. It will also have someone assessing borrower risk, just like traditional banks do. A clear indication that it is "real credit," not a DeFi gambling pool. According to Hennis, with XRPL, each loan sits in its own isolated vault, the Single Asset Vaults (SAVs). Use cases include:• Market makers borrowing XRP/RLUSD for inventory arbitrage • PSPs borrowing RLUSD to pre-fund instant merchant payouts • Fintech lenders accessing short-duration working capital— Edward Hennis (@EdwardHennis) December 20, 2025 The implication is that each vault could have only one asset, XRP only or Ripple USD (RLUSD) stablecoin only. This ensures that there are no shared risks across borrowers. If one borrower defaults, only that vault is impacted, not the whole system. The vault will be run by a pool admin who sets loan terms, picks borrowers and manages the risks. Meanwhile, XRPL provides the infrastructure that allows third-party companies to build UIs on top. This positions XRP Ledger as the credit rail, not the lender itself. With this lending protocol, Payment Service Providers (PSPs) who want to borrow RLUSD can access it to instantly pay merchants. Other users include fintech lenders accessing short-term working capital and market makers that need RLUSD or XRP for liquidity and arbitrage. Institutional use cases and XRP utility This development is significant to the Ripple community, which hasnew partnerships to boost value addition. Currently, XRP is mostly left to sit idle or engaged in speculative trading. Now, XRP can be lent into institutional credit markets, allowing holders to earn a predictable institution-grade yield. This suggests that XRP could start functioning like productive capital, not a passive asset. Edward Hennis stated that the relevant amendments are expected to enter validator voting by January 2026. This could be the final governance phase that would usher XRP into a new utility different from its current status. Such a development could positively impact XRP’s price outlook. As of this writing, XRP ischanging hands at $1.94, which represents a 3.72% increase in the last 24 hours. The coin’s trading volume has, however, declined by 39.56% to $2.83 billion, a development that couldimpact its rebound journey.

The crypto market has always rewarded those who look beyond surface-level price action. Yet, in moments of uncertainty, most eyes inevitably return to charts, support levels, and short-term volatility. What often goes unnoticed is that the most powerful market shifts rarely begin on trading screens. They start in regulatory chambers, policy drafts, and closed-door discussions that quietly redefine the rules of participation. That deeper layer of market reality is what X Finance Bull highlights in a recent post, drawing attention to a widening gap between retail focus and institutional priorities. Traders debate whether XRP’s latest pullback signals weakness or opportunity. Meanwhile, institutions are keeping an eye on Washington, D.C., where regulators are shaping the future of cryptocurrency. Retail is staring at the $XRP price chart. Institutions are staring at D.C 🚨🚨🚨 Ripple just sat down with lawmakers to shape the crypto market structure bill. The Treasury is clearing the runway.The Clarity Act is coming.2026 is the window. And XRP is already ahead of the… https://t.co/akLDoSiZ0l pic.twitter.com/TF8sqUoAjn — X Finance Bull (@Xfinancebull) December 19, 2025 Washington, Not the Charts, Is Driving the Next Phase Institutions are monitoring developments in Washington, D.C., as regulators shape the rules that will define the next phase of crypto growth. These discussions coincide with intensifying efforts by U.S. regulators to address long-standing uncertainties around blockchains, stablecoins, and payment infrastructure. An embedded video clip referenced in the post captures this shift in tone. The speaker emphasizes a renewed commitment to reviewing regulatory barriers that restrict innovation, while considering reforms designed to unlock the full potential of American capital markets. Importantly, the message centers on building a financial system that serves everyday Americans, not just institutions—an angle that aligns closely with blockchain-based payment efficiency and real-time settlement. The Clarity Act and the Treasury’s Role Momentum around comprehensive crypto legislation is building, with the proposed Clarity Act emerging as a focal point of market attention. While still in development, the bill aims to establish clear regulatory boundaries, jurisdictional oversight, and compliance pathways for digital assets operating in the United States. Parallel efforts by the U.S. Treasury to formalize stablecoin frameworks suggest that regulatory coordination is accelerating rather than stalling. This environment supports the idea that 2026 represents a critical window. By then, institutional capital is expected to move decisively toward assets that already align with regulatory expectations, rather than those still seeking legal validation. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Why XRP Is Structurally Ahead of the Market XRP’s positioning in this unfolding landscape is not accidental. Its legal status has been materially clarified through U.S. court rulings, removing a level of uncertainty that continues to suppress institutional participation across much of the crypto sector. From a compliance standpoint, XRP operates within a framework that aligns with commodities-style oversight, reinforcing its relevance in regulated financial systems. Ripple’s RLUSD stablecoin initiative further strengthens this alignment, arriving at a time when dollar-backed digital assets are becoming a central focus of U.S. policy discussions. At the same time, institutional exposure to XRP-linked products is gradually expanding, and real-world banking integrations are already live, supporting cross-border settlement and liquidity management today—not in theory. Compliance, Not Hype, Is the Real Catalyst As X Finance Bull suggests, the current market dip may one day be remembered less as a technical correction and more as a moment of widespread misinterpretation. Regulatory clarity does not arrive with fireworks; it comes through legislation, regulatory approvals, and institutional readiness. When U.S. banks receive explicit authorization to tokenize assets and settle across interoperable chains, the assets already built for that environment will not need to scramble. In that sense, XRP’s story is shifting away from speculative narratives and toward structural inevitability. The chart may capture attention, but the real signal is unfolding in Washington—and it is moving faster than many realize. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter, Facebook, Telegram, and Google News

Recent shifts in XRP’s wallet distribution are changing what qualifies as meaningful ownership. As the asset trades around $2.04, the number of tokens required to reach higher holder tiers continues to decline, while the financial commitment needed to do so rises steadily. XRP Wallet Distribution According to recent data, the top 10% of XRP holders now includes roughly 739,970 wallets. To enter this group, a wallet must hold at least 2,314 tokens, which translates to an investment of about $4,720 at current market prices. This marks a significant shift compared with previous years. In June 2024, investors needed approximately 3,300 XRP to reach the same tier. At that time, XRP traded near $0.47, putting the total cost at roughly $1,551. By January 2025, the threshold had already fallen to around 2,599 XRP as prices moved higher. Rising prices reduce the number of tokens required to represent a top-tier position, even as the capital required increases. Crypto experts such as Alpha Lions Academy founder Edoardo Farina still believe accumulation is a good idea at current levels. XRP Ownership Remains Highly Concentrated Despite the lower token threshold for the top 10%, XRP ownership remains heavily concentrated at the upper end. The top 1% of wallets consists of about 73,997 addresses, each holding at least 48,930 XRP. At current prices, that exposure is valued at close to $100,000. In total, the XRP network has approximately 7.4 million wallets. The vast majority hold relatively small balances. Around 6 million wallets contain 500 XRP or fewer, while roughly 3.498 million addresses hold no more than 20 XRP. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Regulatory Progress and Institutional Demand The rising financial barrier to entering higher ownership tiers strengthens the case for accumulation. This view is supported by recent regulatory and institutional developments. The company has received conditional approval from the OCC to launch Ripple National Trust Bank. Ripple CEO Brad Garlinghouse shared his excitement, describing the move as a major step for U.S. expansion and for RLUSD. Commentators believe this approval enhances regulatory credibility and institutional trust across Ripple’s ecosystem. At the same time, XRP exchange-traded funds (ETFs) have recorded strong demand. Inflows are approaching $1 billion, with over 30 days of net inflows since the first launch. Investors looking to capitalize on the current momentum can join the top 10% of XRP holders with just 2,314 tokens. Farina has previously stated that not holding at least 1,000 XRP is insanity. Smart investors will strive to join the top 10% and secure their spot at the top of the XRP ecosystem. Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on Twitter, Facebook, Telegram, and Google News

Half a million dollars' worth ofRipple USD just got erased in public, and it did not come from a hacker, a whale dump, or some exchange drama — it came from the token's own treasury. On Dec. 19, an on-chain transaction thatRipple Stablecoin Tracker highlighted shows 500,000 RLUSD sent to theEthereum "null" address (0x000) with a successful status on Etherscan. This is a classic burn pattern, which removes tokens from circulation rather than relocating them to another wallet. 🔥🔥🔥🔥🔥🔥 500,000 #RLUSD burned at RLUSD Treasury.https://t.co/3rwraewM4V— Ripple Stablecoin Tracker (@RL_Tracker) December 19, 2025 The number is not huge next to RLUSD's current scale, but it is big enough to be noticeable. With a circulating supply of around 1.33B RLUSD and a market cap near $1.33 billion, a 500,000-unit burn is an intentional and auditable supply cut that stands out because it is not just some market noise. Ripple USDstablecoin today The timing is also interesting because RLUSD is already trading with real activity for a young stablecoin. The CoinMarketCap dashboard shows about $107.37 million in 24-hour volume, around 6,760 on-chain holders and a #8 slot among stablecoins by market cap. For comparison, the total valuation of the stablecoin segment right now amounts to $317.48 billion. Interestingly, this burn happened right afterRipple pushed RLUSD beyond its current rails as the San Francisco company has teamed up with Wormhole to bring the stablecoin to Optimism, Base and Unichain using Wormhole's NTT standard. They are calling it the first wave of layer-2 expansion, with a bigger rollout to come once approvals are in place.