Investors are shifting their focus towards XRP’s potential as a payment-focused cryptocurrency, leading to speculation of over $1 billion in ETF inflows. This narrative marks a turning point for XRP, moving away from the traditional ‘digital gold’ image and highlighting its role as a cross-border liquidity solution powered by Ripple’s expanding financial network. With regulatory clarity emerging, analysts anticipate a surge in institutional interest driven by potential spot ETF approval. This could be fueled by the established infrastructure of RippleNet, already partnering with hundreds of financial institutions; the real-world use cases for XRP in settlement, liquidity provision, and remittances; and ongoing legal battles that suggest a path to greater regulatory clarity.