XRP Could Flip Ethereum? Standard Chartered Thinks So.

Some people won’t like this, and maybe they shouldn’t. Because if XRP does what Standard Chartered predicts, a lot of investors will be caught completely off guard.

Let’s dive into the week’s biggest developments in XRP, Flare, and the broader crypto space.

A Wild Prediction from a Serious Source

Joffrey Kendrick, Global Head of Digital Asset Research at Standard Chartered, says XRP could surpass Ethereum in market cap by 2028.

This isn’t a Twitter influencer tossing out hot takes. Standard Chartered is a legacy financial institution with billions under management. So what are Kendrick’s reasons?

1. Legal Clarity: For the first time, XRP is on a level playing field with other major assets. The SEC case is behind us. That cloud is gone.

2. Utility-Driven Growth: XRP is evolving beyond just payments. We’re seeing it used in real-world asset tokenization, DeFi, and treasury strategies. It’s infrastructure now.

3. Ripple vs SWIFT: Ripple is going after SWIFT’s market in cross-border payments—and they now have regulatory clarity, AMMs, and on-chain liquidity solutions like RLUSD to make a real dent.

4. Institutional Momentum: Firms like VivoPower and Uphold are putting XRP to work, not just holding it. That’s the difference between speculation and infrastructure.

5. It’s Not a Hype Race: XRP isn’t trying to win on meme culture. It’s building rails for global finance.

Even if XRP never passes ETH, the point is: it might. And that changes how you value this asset.

XRP ETF: On the Verge?

The SEC has delayed its decision on Franklin Templeton’s spot XRP ETF. They're asking for public feedback.

But we don’t need more feedback. The legal clarity is there. The demand is real. It’s time to approve this thing and open the door to broader market participation.

Flare: The Most Underrated DeFi Story?

A new Messari report says Flare may be the most underestimated Layer 1 of the year.

Here’s why that matters for XRP:

• DeFi Without Bridges: FXRP allows XRP holders to participate in DeFi without giving up custody.

• Oracles + Interoperability: Flare’s architecture includes built-in oracle systems and cross-chain validators, making it ideal for verifiable data and interoperability.

• Tether Boosted Liquidity: When Tether launched on Flare via LayerZero, TVL tripled in 13 days, surpassing $120M.

  
  

This isn’t just an XRP ecosystem play. Flare is bringing in Bitcoin, Doge, and more. It's a live and growing DeFi network.

Institutional DeFi Is Here

Messari also noted:

• VivoPower deployed $100M in XRP on Flare to earn yield.

• Uphold, a major XRP holder, is exploring staking strategies.

• Liquid Staking via Firelight Protocol is coming: Stake FXRP, receive STXRP, and put your assets to work.

  
  

Just like stETH revolutionized Ethereum staking, STXRP could be that moment for XRP.

Bottom line: Flare is rewriting XRP’s role in crypto. From passive holding to full DeFi participation.

U.S. Stablecoin Bill: Trump Wants It Now

The Genius Stablecoin Act has passed the Senate and now heads to the House. Trump wants it signed ASAP.

This could unlock massive opportunity for firms like Ripple and Circle. With clear rules, they can go full speed integrating stablecoins into the traditional financial system.

Why does the U.S. government support this? Because stablecoins extend the reach of the U.S. dollar. Zip USD into any country, any device, with no gatekeepers.

Cashless Future? Sweden Hits Pause

Sweden was charging toward a fully cashless society—until now.

The Russia-Ukraine war showed that a fully digital system is fragile. Cyberattacks and infrastructure breakdowns are real risks.

Now the country is telling citizens: keep some cash on hand. But could blockchain offer a solution?

Yes. Offline transactions using hardware wallets, NFC, zero-knowledge proofs could allow local crypto payments even during blackouts. A crypto-native version of cash.

Solana ETF? It’s Coming

The ticker is already filed: VSOL. Bloomberg says there's a 90% chance of a Solana ETF approval in 2025.

Could be Solana. Could be XRP. Maybe both. Doesn’t matter who goes first. The point is: the altcoin ETF era is starting.

Stablecoins vs. Credit Cards: Who Wins?

Visa and Mastercard stock dropped after reports that Amazon, Walmart, and others are exploring stablecoins.

Stablecoins can cut payment costs by up to 85%, bypassing card networks entirely.

But here's the question: As a consumer, do stablecoins offer enough benefits to replace credit cards?

• No interest if you pay monthly

• Purchase protection

• 30-day float

  
  

Stablecoins will revolutionize B2B and settlement, but don’t expect your wallet to go card-free anytime soon.

Final Word: XRPL's DAO Era Begins

XAO DAO, the first decentralized organization on the XRP Ledger, is gaining traction. It just passed 2,200 followers on X.

This isn’t just a community project—it’s a sign that XRP is becoming more decentralized and more interactive. More details to come soon.

The Revolution Will Be Televised

XRP isn’t just surviving. It’s transforming.

From infrastructure rails to DeFi growth, from stablecoin regulations to DAO formation, the XRP ecosystem is entering a new era.

And for those paying attention now, the rewards could be generational.

Let me know your thoughts down below. And as always: like, subscribe, and stay tuned.

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