Institutional investors view this new cryptocurrency as a form of "digital bullion"
The convergence of traditional infrastructure and blockchain technology is gaining momentum, with significant developments in the XRP and Bitcoin ecosystems.
XRP is making strides towards institutional adoption, thanks to its integration with traditional financial infrastructure. The U.S. Federal Reserve's adoption of the ISO 20022 standard, a global messaging standard for financial systems, is a significant milestone for XRP. Ripple, a pioneer in adopting this standard, is positioned to bridge XRP with traditional financial infrastructure [2].
This integration is crucial, as it allows for seamless communication between different financial systems. RippleNet, ISO 20022, and Fedwire are forming a bridge, enhancing XRP's role in institutional transactions such as cross-border settlements and capital markets. Companies like Volante Technologies are offering XRP as a settlement option, further solidifying its integration into traditional financial rails [2].
Ripple's roadmap anticipates banks, asset managers, and payment networks like SWIFT to start onboarding XRP infrastructure in Q3 2025, contingent on legal clarity. Regulatory clarity would enable XRP's inclusion in ETFs by late 2025 or early 2026, significantly boosting institutional investment in XRP [3].
Meanwhile, Bitcoin continues to dominate the cryptocurrency market, with a market capitalization nearing $2.36 trillion. Bitcoin's dominance stands at 61.7%, solidifying its position as a store of value and strategic asset for corporate treasuries [1].
In July 2025, Bitcoin reached a new all-time high of $123,091, and Bitcoin ETFs registered net inflows of over $4.5 billion during the same month. Funds like Cantor Fitzgerald are in the process of acquiring over 30,000 BTC, valued at over $3.5 billion [1].
Both Bitcoin and XRP represent distinct but complementary pillars in the evolution of the financial system towards more decentralized, interoperable, and efficient models. While XRP is starting to gain ground as institutional liquidation infrastructure, Bitcoin is solidifying as a store of value and strategic asset for corporate treasuries.
However, regulatory uncertainties and the need for further institutional buy-in remain as challenges for XRP. The SEC will vote on the possible dismissal of its case against Ripple on July 17, 2025. If successful, this event could remove the main regulatory barrier that has limited institutional adoption of XRP in the U.S. [1]
Sources:
- Coindesk
- Ripple Insights
- Ripple Roadmap
Investing in technology is no longer limited to XRP and Bitcoin; these digital assets are increasingly interwoven with traditional finance, particularly in institutional adoption. Ripple, with its integration with the Fed's ISO 20022 standard and anticipated onboarding by banks and payment networks like SWIFT, is poised to become a significant player in institutional finance and investing.
On the other hand, Bitcoin's dominance in the cryptocurrency market, with a market capitalization nearing $2.36 trillion and growing, has made it an attractive store of value for corporate treasuries and a strategic asset for investment, highlighting the intersection of finance, technology, and investing.
