5 Reasons Why XRP is Worth More than Just the Price

Jakarta, Pintu News – XRP (XRP) is the native digital asset of the XRP Ledger (XRPL) that is often talked about in the context of potential speculative gains or losses. However, the true value of XRP goes far beyond that when we consider its numerous real-world use cases, support from major financial institutions, and increasing regulatory clarity.

1. Efficiency of Cross-Border Payments and Remittances

One of the key values of XRP lies in its ability to speed up and streamline international payments. XRP helps eliminate the need for pre-funding, speeds up transaction settlement times, and reduces costs by serving as a bridge currency.

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For example:

• SBI Remit (Japan) uses XRP to send money instantly to the Philippines, Vietnam and Indonesia. This solution is especially helpful for migrant workers who regularly send money home.
• Tranglo (Southeast Asia) is working with Ripple to utilize XRP as a remittance channel in Malaysia, Philippines, and Bangladesh.
• Pyypl (Middle East and Africa) integrates XRP for remittance transactions between Africa and Asia, with a focus on reachingunbanked populations.
• Ripple’s partnership with Banco Rendimento (Brazil) allows businesses and individuals to move funds across countries with XRP as the settlement bridge.

When compared to traditional systems like SWIFT, which take several days and come with high fees, XRP offers near-instantaneous settlement. This makes it an attractive option especially in emerging markets, where remittances are a major source of income for many families.

2. XRP Integration in Loyalty and Travel Programs

In addition to the financial sector, XRP is also starting to be widely used in loyalty, travel, and consumer services. These uses are expanding the functionality of XRP as an asset that has utility in everyday life.

For example:

• Webus/Wetour has set aside $300 million in XRP to support its travel voucher system, loyalty points, and blockchain-based payment infrastructure. More than 60 million loyalty program members can use XRP for overseas services such as airport transfers, premium travel, and exclusive travel experiences.
• SBI VC Trade (Japan) also allows users to earn rewards in the form of XRP through various loyalty campaigns, expanding the functionality of XRP beyond just an investment or trading asset.

With the adoption of XRP in loyalty programs, the perception of it has shifted – from being a speculative asset to a real and useful transaction tool in daily activities, such as redeeming points or paying for travel services.

3. Institutional Adoption and Use for Treasury

When financial institutions start treating XRP as a serious operational and treasury asset, it adds credibility and increases demand for XRP. Such moves demonstrate growing confidence in the long-term stability of XRP as an institutional-grade digital asset.

Through the use of XRP for liquidity management,settlement, and cross-border transfers, institutional players are validating its utility beyond the realm of speculation. This strengthens XRP’s position as a functional and efficient digital asset for global corporate needs.

For example:

• SBI Holdings has not only invested in Ripple, but also integrated XRP in its various subsidiaries such as SBI Remit and SBI VC Trade, while also holding large amounts of XRP reserves.
• Santander (Spain) has been testing RippleNet and exploring the use of XRP for cross-border settlement through its One Pay FX platform.
• Bank of America is also reportedly a Ripple partner and is exploring utilizing XRP to improve the efficiency of international payments.
• TheWeBus travel platform is setting up a large XRP reserve managed by institutional fund managers to support loyalty and transaction settlement operations.

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When large corporations start incorporating XRP into their balance sheets or payment systems, it is a strong signal that XRP is trusted and used for real – not just for trading activities, but also for global operational and liquidity needs.

4. Technology Features and Enhancements on XRP Ledger (XRPL)

XRP Ledger (XRPL) continues to attract attention for its speed, scalability, and innovation. The technology supports a variety of use cases ranging from cross-border payments, stablecoin issuance, to asset tokenization and integration into the world of decentralized finance (DeFi).

With extremely low transaction fees and an eco-friendly consensus mechanism, XRPL becomes one of the most efficient blockchains for real-world adoption.

For example:

• Transaction speed: Settlement takes only 3-5 seconds, much faster than Bitcoin (±10 minutes) or SWIFT (2-5 days), making it ideal for remittances and microtransactions.
• Low fees: The average transaction fee is only a fraction of a penny, making it perfect for loyalty programs, micropayments, and small rewards.
• XLS-20 Update: Added support for non-fungible tokens (NFTs) natively in XRPL, allowing tokenization of loyalty points, tickets, and digital collectibles directly on the blockchain.
• Proposals XLS-70 and XLS-80: Enhance the features of digital credentials and permission-based domain control, which are important for financial institutions and companies subject to regulation.
• Sologenic: An XRPL-based project that tokenizes stocks and exchange-traded funds (ETFs), demonstrating XRPL’s ability to support financial assets beyond payments.

XRPL’s focus on real-world scalability and efficiency means that it is seen not as a speculative blockchain, but as an infrastructure ready to be used by global businesses and institutions.

5. Regulatory Clarity and Network Effects

The long-term value of XRP depends not only on the technology and its adoption, but also on how regulators treat it as well as how extensive the global network that integrates it is.

By 2025, the regulatory and market landscape had changed significantly, giving XRP legal clarity and a new impetus for growth.

Clear Legal Status

In July 2023, US District Judge Analisa Torres ruled that XRP is not a security when traded on a public exchange, although direct sales to institutions could still be subject to securities laws.

Then in August 2025, Ripple and the US Securities and Exchange Commission (SEC) officially ended a legal dispute that had lasted for five years. In the final agreement, the SEC withdrew its entire appeal and Ripple agreed to pay a civil penalty of $125 million.

This ruling provides long-awaited legal certainty to the industry, while strengthening XRP’s position in the United States market.

Regulatory Alignment across Regions

• Japan: XRP is one of the few cryptocurrencies that has a clear legal basis, thanks to proactive regulation and strong support from SBI Holdings.
• UK and EU: Ripple is actively customizing the use of XRP to fit within the Markets in Crypto-Assets (MiCA) regulatory framework, ensuring compliance and legitimacy in the European market.

Global Network Growth

As of 2025, there are over 6.6 million active XRP wallets worldwide, with a total of over 6 million recorded XRPL accounts.

• SBI VC Trade and BITPoint Japan recorded significant jumps, from around 807,000 accounts in March 2024 to around 1.65 million accounts in March 2025.
• SBI Holdings alone is known to hold around 1.6 trillion Japanese yen ($10 billion equivalent) in XRP and Ripple-related assets – a figure that exceeds even its own market capitalization of 1.2 trillion yen.

As more banks, crypto exchanges, and consumer platforms adopt XRP, the network effect increases rapidly: more liquidity, more cross-border paymentcorridors, and more opportunities to use XRP in everyday life.

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*Disclaimer

This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Crypto trading activities have high risk and volatility, always do your own research and use cold cash before investing. All activities of buying and selling bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Cointelegraph. Why XRP matters: 5 key factors driving its value beyond price. Accessed on October 10, 2025