XRP settled its SEC case for $125M, leading to an 11% price spike. Ripple acquired Hidden Road for $1.25B, creating the first crypto-owned global prime brokerage. Nine asset managers filed XRP ETF applications with $5B to $7B estimated inflows by 2026. A retirement report is changing perspectives on early retirement possibilities for many Americans.

Late 2025 saw a shift for XRP with increased institutional interest. Ripple’s legal settlement and acquisitions drove the spike in XRP’s price. Ripple Prime, the global prime brokerage, tripled activity after the acquisition of Hidden Road. RLUSD stablecoin is being used as collateral for trading desks, enhancing XRP’s liquidity.

Ripple partnered with Mastercard and others for on-chain settlement of credit card payments via RLUSD. The XRP Ledger supports instant transfers through a regulated stablecoin. Ripple closed the Palisade acquisition and RLUSD reached a $1B market cap. Fortress and Citadel affiliates invested $500M in Ripple at a $40B valuation.

Ripple’s SEC settlement and the filing of XRP ETF applications boosted XRP’s price. Nine asset managers have XRP ETF proposals awaiting approval. Analysts predict $5-$7B inflows into XRP by 2026. Real momentum is building as regulations clear the way for institutional XRP use.

Views on XRP’s future vary, with potential growth to $3.80-$5 or stagnation at $2. Wall Street interest is high, but direct XRP use remains limited. Ripple’s success with Prime, stablecoins, and ETFs will determine XRP’s market reach. XRP’s shift from speculation to utility is catching the attention of institutions.

A retirement report is causing many Americans to consider early retirement. The difference between accumulation and distribution in retirement planning is prompting a rethink for millions. Answering three quick questions may reveal the possibility of retiring earlier than expected.

Read more at Yahoo Finance: What’s Behind XRP’s Institutional Push in Late 2025?