Ripple’s current strikes are drawing new consideration after Western Union picked Solana for a USDPT rollout in 2026. In accordance with supporters of XRP, that headline misses a much bigger image: Ripple has been shopping for corporations that contact a lot bigger swimming pools of cash.
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Western Union’s deal might steer over $100 billion in annual cross-border circulate to Solana. However some say that sum is small in contrast with the pipelines Ripple is tying into.
Trillions Not Billions
Based mostly on reviews, Ripple has added corporations that already sit inside huge fee and liquidity programs. Hidden Street, a world prime brokerage, clears about $3 trillion a yr.
GTreasury gives treasury instruments that transfer trillions in funds throughout 160+ international locations. Rail handles roughly 10% of all stablecoin-based fee quantity worldwide.
These figures matter as a result of possession offers a special sort of entry than a short-term partnership does.
a lot of you have got requested for my ideas on the western union x solana announcement, so right here they’re.
TLDR: billions are cool, however trillions are cooler.
whereas western union handles billions of {dollars} annually, ripple is on its option to dealing with trillions of {dollars} annually.…
— Dom | EasyA (@dom_kwok) October 29, 2025
Market Remark And Skepticism
Market voices pushed again. Scott Melker questioned XRP’s present position after Western Union selected Solana, noting Western Union had examined the XRP Ledger for years.
That selection has prompted debate about whether or not XRP nonetheless issues for giant international funds proper now. On the similar time, Ripple’s backers argue a deeper story exists past which chain a single firm picks for its stablecoin.
XRP As The Settlement Layer
In accordance with Dom Kwok, co-founder of EasyA, the right lens is scale. He says the dialog shouldn’t heart on offers price billions however on the trillions Ripple now touches by way of acquisitions.
Kwok and others recommend these corporations may very well be steered to make use of the XRP Ledger for settlement over time. Ripple’s personal know-how and enterprise strikes are being framed because the plumbing that would let XRP settle massive, institutional flows.
Supporters Converse Up
Flare CEO Hugo Philion has additionally downplayed the Western Union information, saying it doesn’t undercut Ripple’s technique. Based mostly on reviews from group figures, some engineers and analysts now say XRP might shift from a bridge token to a spot individuals maintain worth.
There’ll come a time the place XRP and XRPL is simply the place you retain most of your wealth. That known as Treasury.
Trace trace.
— Vincent Van Code (@vincent_vancode) October 17, 2025
Vincent Van Code informed followers that “a time will come when XRP and the XRP Ledger are simply the place you retain most of your wealth,” a view which mirrors feedback by Ripple’s CTO David Schwartz about customers appearing as their very own banks.
Possession Vs. Partnerships
When an organization owns a platform, it might probably select how that instrument grows. Studies present acquisitions give Ripple a steadier position in funds and buying and selling companies than a single contract would. But possession doesn’t assure prompt change. Transferring institutional flows onto a particular ledger is advanced and might take time.
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What This Means Going Ahead
For now, the controversy will monitor two threads. One asks whether or not wins like Western Union’s Solana deal sign broader market choice. The opposite watches whether or not Ripple’s purchases translate into precise settlement quantity for XRP.
Numbers corresponding to $3 trillion, trillions throughout 160+ international locations, and 10% of stablecoin funds give weight to the second view. However adoption at scale will not be computerized, and observers will probably be on the lookout for clear indicators that these trillions are really shifting towards the XRP Ledger.
Featured picture from Shutterstock, chart from TradingView
