XRP has crossed an important boundary by breaking into the Top 100 Global Assets. It now holds the 99th spot with a Market Cap of $181.8 billion. It has edged past HDFC Bank, which sits at $181.1 billion. Here, a digital currency has been valued higher than one of India’s largest banks. XRP Price Momentum and Market Activity At $3.05, XRP is showing steady moment. A daily move of 1.6% and a 7-day climb of 8.3% may not sound huge in the fast-moving world of crypto, but paired with a 467.8% surge over the past year, it’s clearly more than a short-term story. Daily trading volume above $5.8 billion shows both institutional and retail players are still very active, and with a fully diluted valuation topping $305 billion, the digital asset is moving in league with well-known corporations. When you look at who XRP has surpassed to get into the Top 100, it’s a list full of established brands. Shopify, Deutsche Telekom, Adobe, Pfizer, Santander, Spotify, Allianz, and Accenture are the companies that shape industries. That shift in rankings shows digital assets aren’t only competing with one another but also climbing into the territory once reserved for century-old corporations. Mixed Market Sentiment and Price Predictions Analysts like Ali Martinez point to short-term price targets around $3.70. But Standard Chartered has gone much further with projections. They project of near $8 by 2026 if ETFs and banking adoption expand more. Some experts remain cautious. Finder’s panel, for example, expects XRP to end 2025 near $2.80. Their outlook shows just how much the coin’s future depends on regulatory approvals and whether it becomes part of mainstream finance. ETF Approvals and Banking License Could Transform XRP October 2025 is being flagged as a potential turning point. Multiple firms have filed for XRP ETFs, and Bloomberg puts the approval odds at 95%. If that happens, inflows of $5 to $8 billion in the first month are expected, which could scale to $18 billion by year-end. Parallel to this, Ripple has applied for a national banking license in the United States. That would give it access to Fed payment systems and the credibility of a regulated trust bank. Japan Leads in XRP Adoption for Payments By 2025, 80% of banks in Japan plan to use XRP for international money transfers. SBI Holdings is putting strong investment behind this push, adding more weight to the move. Around the world, more than 300 institutions are already connected through RippleNet. This is ranging from Santander in Europe to PNC in the U.S.. It also expands to major players across Asia, Africa, and Latin America. They are operational systems saving banks time and cost. XRP Utility in Cross-Border Transactions Transfers settle in three to five seconds, compared to the three to five days of traditional systems like SWIFT. Transaction costs average a fraction of a cent, while banks still charge multiple fees for cross-border payments. That’s why institutions are paying attention, even without the boost of a regulated spot ETF in the U.S. The fact that XRP reached a Market Cap of $181.8 billion organically shows there’s real adoption rather than hype-driven growth. Risks and Challenges for XRP Growth Of course, the risks are there. Regulation in the U.S. is still unsettled. At the same time, rivals are rolling out their own blockchain payment systems. Price swings continue, and technical charts even point to a possible short-term drop. Still, confidence for the long run has not faded. Large investors have been steadily buying more XRP in recent weeks. For a simple perspective, think of XRP as a digital rail for money. It lets banks and individuals move funds across borders in seconds and at almost no cost. That kind of efficiency naturally attracts attention, especially when compared to the delays and charges of older systems. That crossover is what makes this moment worth noting. This is an observation of current data and sentiment. Always do your own research before making investment decisions.