Ripple Has Processed $95B In Payments—Here's Why That Didn't Lift XRP Price

Benzinga2025-12-25

Ripple (CRYPTO: XRP) has processed $95 billion in payments in total, but XRP’s performance in 2025 shows that price and adoption do not always move in lockstep.The Infrastructure Narrative Lost Its ...

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XRP Price\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-12-25 00:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/crypto/cryptocurrency/25/12/49585245/ripple-has-processed-95b-in-payments-heres-why-that-didnt-lift-xrp-price><strong>Benzinga</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Ripple (CRYPTO: XRP) has processed $95 billion in payments in total, but XRP’s performance in 2025 shows that price and adoption do not always move in lockstep.The Infrastructure Narrative Lost Its ...</p>\n\n<a href=\"https://www.benzinga.com/crypto/cryptocurrency/25/12/49585245/ripple-has-processed-95b-in-payments-heres-why-that-didnt-lift-xrp-price\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"XRP","symbol_name":"Bitwise XRP 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","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"XRP":"Bitwise XRP ETF"},"translate_title":"Ripple已处理了$950亿的支付-这就是为什么它没有提高XRP价格","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"XRP":1.5},"content_text":"Ripple (CRYPTO: XRP) has processed $95 billion in payments in total, but XRP’s performance in 2025 shows that price and adoption do not always move in lockstep.The Infrastructure Narrative Lost Its EdgeFor much of the past cycle, the XRP thesis rested on adoption. More banks on RippleNet meant more volume, and more volume was expected to translate into higher XRP prices.By that logic, more than 4 billion XRP Ledger transactions, roughly $95 billion in on-demand liquidity volume, and over 300 banking partners should have pushed XRP meaningfully higher.However, infrastructure growth alone does not guarantee token appreciation unless control and economic capture also accrue to the token itself.Ripple Strengthened Its Position, Not XRP'sThe biggest gains in 2025 went to Ripple Labs, not XRP holders.Ripple secured approval to operate Ripple National Trust Bank and raised roughly $500 million at a valuation near $40 billion.That marked a shift from being a software provider to acting more like a regulated financial institution.Banks paid attention to Ripple's licenses, compliance tools, and settlement network.Markets stayed focused on XRP's price and those two tracks did not move together.Banks Buy Efficiency, Not Token UpsideRippleNet partners such as MoneyGram International and SBI Remit do not buy XRP to speculate.They use it because it cuts costs and speeds up settlement.Cross-border payments settle in minutes instead of days, while avoiding SWIFT fees that can reach 3% to 5% per transfer.From a bank's view, whether XRP trades at $2 or $20 matters far less than whether the system lowers operating costs and reduces counterparty risk.Control And Switching Costs Became The Real MoatWhen 300 banks connect to RippleNet, they’re not just adopting a payment rail—they’re creating switching costs. Migrating from Ripple’s infrastructure to a competitor like SWIFT’s gpi upgrades, Stellar (CRYPTO: XLM), or a proprietary bank consortium means renegotiating with 300 counterparties.Those switching costs are worth billions. Ripple’s 2025 win wasn’t XRP hitting $5—it was making it structurally harder for any bank to leave the network.Why Silver's Rally Tells A Different StorySilver's 150% rally to $72 looks like strong demand, but it changed nothing about how silver is used.The metal did not gain new infrastructure. Supply simply moved to whoever could pay more.Companies like Ford still buy silver at market prices, and solar manufacturers still use about 25 million ounces a year, then pass higher costs to customers.XRP works differently.Banks using RippleNet cut cross-border payment costs to about one-tenth of SWIFT fees, and those savings built over time.Silver prices can fall when demand slows.Payment infrastructure does not reset. Each new bank makes the network more valuable.Read Next: Stock Of The Day – Is MARA About To Rally?$XRPRipple$1.86-0.77%Overview$XLMStellar$0.2129-1.93%Market News and Data brought to you by Benzinga APIs© 2025 Benzinga.com. Benzinga does not provide investment advice. 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