XRP and XLM Quietly Take Over Global Finance While Everyone Watched Prices

XRP and XLM shift focus from token price to powering global finance with real-world institutional integrations.

Fridah Kangai
May 27, 2025
3:00 pm

Fridah Kangai

Fridah Kangai is a dedicated crypto journalist with a sharp eye for market trends, blockchain innovation, and digital asset movements. She specializes in breaking down complex topics into clear, engaging stories for both seasoned investors and curious newcomers. With a passion for decentralization and a pulse on the ever-evolving crypto space, Fridah delivers timely, accurate, and insightful coverage. Her work bridges the gap between technology and everyday understanding in the world of cryptocurrency.

XRP and XLM move beyond market speculation to power global financial systems.
Ripple and Stellar align with U.S. financial modernization goals under EO 13772.
Strategic partnerships with IBM and UN reveal Stellar’s quiet rise in institutional finance.

As Stellar Rippler explains, the general public didn’t pay much attention to major advancements in XRP and XLM. While market participants focused on token prices, these two networks were embedding themselves into global financial infrastructure.

XPR is now taking over old financial systems, such as SWIFT and Nostro/Vostro accounts. It also seeks to resolve issues caused by separated foreign exchange networks and weak liquidity providers in traditional banking. This reveals Ripple’s ongoing commitment to making its services user-friendly rather than earning immediate profits.

(1/🧵) From Executive Order 13772 to ISO 20022…

XRP was never just a coin. It was always the plan.

While the maxis screamed “scam”…

Governments and institutions quietly aligned behind Ripple’s tech.

Let me show you the blueprint you weren’t supposed to notice:
🧵 pic.twitter.com/IVvHEU5Qrs
— Stellar Rippler🚀 (@StellarNews007) May 25, 2025

Executive Order 13772, issued in 2017, strongly supported the modernization of the United States financial system. The directive was created to encourage faster, easier, and more compatible services between financial service platforms. According to Stellar Ripple, Ripple and Stellar are still considered the only distributed ledger networks meeting these new advancement purposes. Each system is prepared to follow ISO 20022, a global standard used for financial exchanges.

Strategic Partnerships Reveal Growing Influence of Ripple and Stellar in Finance

Even though Ripple made inroads into financial institutions, Stellar took a quieter road to reach more companies. From 2017 to 2020, Stellar began working with IBM to launch World Wire for deals between countries. Stellar also teamed up with institutions from the United Nations to help support financial efforts related to humanitarian issues with blockchain. As a result of these cooperation strategies, Stellar is now a major player in financial systems intended for growth and development.

While others focused on the latest trends, Ripple and Stellar worked out plans for their future effectiveness. They kept working on revamping key parts of their companies as their digital assets changed in value. Consequently, they have become key foundations in the developing digital financial world.

Both XRPs and XLMs now offer support for settlements, exchanging other currencies, and financial liquidity. Their integration hints at a gradual step towards the worldwide use of digital rails, not the older, outdated kind.

As people monitored the market’s performance, Ripple and Stellar altered the shape of financial infrastructure. XRP and XLM are essential in bringing finance into a quicker and simpler worldwide change.

Also Read: Ripple’s $11B Circle Bid Could Shatter Crypto Monopoly, Hoskinson Says