XRP has emerged as the strongest performer in the digital asset market, breaking records and cementing its role as a leading institutional-grade cryptocurrency. Research firm Messari published its Quarterly Community Report: State of XRP Ledger Q3 2025 on Oct. 28, highlighting XRP’s dominant market performance, growing institutional traction, and expanding regulatory alignment. The report framed XRP’s momentum as a clear signal that the asset is maturing into a cornerstone of compliant, high-speed blockchain infrastructure for global financial markets.

The research firm detailed:

XRP ended Q3 at an all-time high quarterly close of $2.85 (+27.2% QoQ) with a circulating market cap of $170.3 billion (+29% QoQ), outperforming the combined market cap of BTC, ETH, and SOL, which increased by 13.3% QoQ.

This milestone established XRP as the fourth-largest digital asset by capitalization. Messari linked the record to renewed institutional confidence following Ripple’s favorable legal standing with the U.S. Securities and Exchange Commission (SEC) and emphasized that XRP’s futures listings on Coinbase Derivatives Exchange and CME have positioned it for U.S. spot ETF approval by the end of 2025.

Multiple spot XRP ETF applications remain pending, with prediction markets showing a 99% probability of approval—a catalyst expected to attract major institutional inflows. Messari also cited increasing corporate accumulation, adding that XRP’s market capitalization has risen nearly 393% year over year, outperforming all major layer-1 blockchains.

Regarding the XRP Ledger, Messari predicted: “The XRPL is primed for institutional adoption, as necessary identity, financial, compliance, and privacy features are being implemented.” These include multipurpose tokens with embedded metadata, confidential MPTs using zero-knowledge proofs, and onchain credential systems enabling regulated onchain finance.

The report also discussed Ripple’s stablecoin, RLUSD, stating:

Ripple’s USD-pegged stablecoin RLUSD closed Q3 with a market cap of $88.8 million on the XRPL (+34.7% QoQ), making it the network’s largest stablecoin.

With record gains across tokenized assets, stablecoins, and institutional collaborations, Messari concluded that the XRP Ledger is entering a new growth phase as one of the most institutionally equipped and regulatory-ready blockchains heading into 2026. Together with the XRPL EVM Sidechain launch, automated market maker integration, and compliance-driven lending protocol development, the network is positioned as a leading infrastructure for regulated digital finance worldwide.

• What is driving XRP’s massive 2025 rally?
  Explosive institutional demand, legal clarity, and ETF anticipation have propelled XRP to record highs.
• When could the U.S. approve an XRP spot ETF?
  Analysts expect approval by late 2025, with prediction markets showing a near-99% chance of success, potentially triggering major institutional inflows.
• How is the XRP Ledger attracting regulated finance players?
  Through advanced compliance, identity, and privacy features like zero-knowledge proofs and onchain credentials, XRPL is ready for large-scale institutional use.
• What role does RLUSD play in XRP’s ecosystem growth?
  RLUSD strengthens onchain liquidity, powers tokenized asset markets, and extends XRP’s reach across payments and capital markets.

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