Could XRP Hit $10.00 by End-2025 if Ripple Captures the Tokenized Treasuries Market?

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The global financial landscape is undergoing a transformative shift, with digital assets at the forefront of innovation. Among the most promising developments is the rise of tokenized treasuries—a fusion of traditional finance and blockchain technology that could redefine institutional investing. At the center of this evolution stands Ripple and its high-performance XRP Ledger (XRPL), increasingly positioned as a preferred infrastructure for institutional-grade decentralized finance (DeFi).

With Ondo Finance launching tokenized U.S. Treasury products on XRPL in June 2025 and major players like BlackRock and Franklin Templeton entering the space, momentum is building. Could this institutional adoption propel XRP to $10.00 by the end of 2025? Let’s explore the forces shaping this potential surge.

What Are Tokenized Treasuries?

Tokenized treasuries are digital representations of traditional government debt instruments—such as Treasury Bills, notes, and bonds—issued on a blockchain. These tokens maintain the same yield, maturity, and risk profile as their off-chain counterparts but offer significant advantages in accessibility, settlement speed, and liquidity.

As InvestaX explains, "tokenization doesn't change what Treasuries are. It improves how they're accessed, held, and transacted." Backed by the full faith and credit of the U.S. government, these assets are considered among the safest in the world—making them ideal candidates for digitization.

Smart contracts automate clearing and settlement, enabling near-instant transactions with unparalleled transparency. This efficiency appeals to institutions seeking 24/7 trading, reduced counterparty risk, and seamless integration into DeFi ecosystems.

👉 Discover how blockchain is reshaping institutional finance and unlocking new investment frontiers.

The Explosive Growth of Tokenized Treasuries

Despite macroeconomic uncertainty—including shifting U.S. tariff policies and Federal Reserve interest rate decisions—the tokenized treasuries market has surged to $5.9 billion in market capitalization as of mid-2025.

The World Economic Forum (WEF) reported that the sector grew from just $104 million in 2023 to over $5 billion within two years—a testament to accelerating institutional confidence. Boston Consulting Group (BCG) projects the market could reach $600 billion by 2030, driven by demand for real-world asset (RWA) tokenization.

Notable offerings include:

These products signal a broader trend: traditional finance is moving on-chain.

Ondo Finance Launches on XRP Ledger

In June 2025, Ondo Finance made headlines by launching its OUSG token directly on the XRP Ledger. This marked a pivotal moment for XRPL, positioning it as a serious contender in institutional DeFi.

What sets this integration apart is seamless redemption via RLUSD, Ripple’s U.S. dollar-pegged stablecoin. According to Ondo Finance, the move brings “a composable and compliance-first asset to a blockchain built for financial institutions.”

This partnership enables:

By leveraging XRPL’s speed and low cost—transactions settle in 3–5 seconds with minimal fees—Ondo delivers an efficient, scalable solution for institutional investors.

Ripple’s Institutional-Grade Infrastructure

Ripple has long focused on building enterprise-ready blockchain solutions. Its flagship products—Ripple Payments (formerly RippleNet) and On-Demand Liquidity (ODL)—already serve over 300 financial institutions worldwide, including Bank of America, Western Union, American Express, Santander, and AWS.

But Ripple’s vision extends beyond cross-border payments. The company is actively developing XRPL into a hub for institutional DeFi, emphasizing:

One key innovation is the Multi-Purpose Token (MPT) standard, which allows institutions to tokenize bonds, RWAs, and structured products with rich metadata and programmable logic. Guggenheim has already utilized MPT for its Digital Commercial Paper (DCP), showcasing real-world utility.

Additionally, Ripple’s ongoing work on RLUSD—a regulated stablecoin—further strengthens XRPL’s role as a bridge between traditional capital markets and DeFi.

👉 See how next-gen blockchain infrastructure is enabling the future of asset tokenization.

Regulatory Clarity Could Be a Catalyst

A major overhang on XRP’s price has been the long-running SEC lawsuit. However, in mid-2025, Ripple and the SEC filed a joint motion seeking an indicative ruling to resolve the case—a move widely interpreted as progress toward final settlement.

Clear regulatory status would remove uncertainty, potentially unlocking:

Already, Canada has approved multiple XRP spot ETFs, with firms like Purpose, Evolve, and 3iQ offering exposure to retail and institutional investors. All eyes are now on the U.S. SEC, which may decide on pending XRP ETF applications before the end of 2025.

XRP Price Outlook: Path to $10.00?

At the time of writing, XRP trades around $2.16, consolidating between key technical levels:

The Relative Strength Index (RSI) remains below 50, indicating bearish momentum. However, broader market sentiment is fragile due to geopolitical tensions and the Fed’s hawkish stance—factors affecting all risk assets.

Yet beneath the surface, fundamental drivers are strengthening:

A sustained breakout above the descending trend line on the daily chart could ignite renewed retail and institutional interest. Key psychological milestones include:

If Ripple captures even a modest share of the projected $600 billion tokenized assets market by 2030, XRP’s utility—and price—could expand exponentially.

Frequently Asked Questions (FAQs)

Q: What is the XRP Ledger (XRPL)?
A: XRPL is a decentralized, open-source blockchain designed for fast, low-cost transactions. It supports tokenization, smart contracts, and DeFi applications with built-in compliance features.

Q: How do tokenized treasuries work on XRPL?
A: Institutions issue digital versions of U.S. Treasuries using smart contracts on XRPL. These tokens can be traded, redeemed, or used as collateral across DeFi platforms while maintaining regulatory compliance.

Q: Is XRP a security?
A: The legal status has been contested, but recent developments—including partial rulings in Ripple’s favor and Canadian ETF approvals—suggest regulators increasingly view XRP as a non-security utility token.

Q: Can XRP really reach $10?
A: While speculative, a confluence of catalysts—including ETF approval, institutional adoption via tokenized assets, and regulatory clarity—could drive exponential demand, making $10 plausible in a bullish scenario.

Q: What role does RLUSD play in Ripple’s ecosystem?
A: RLUSD is Ripple’s regulated stablecoin that facilitates liquidity across tokenized assets on XRPL. It acts as a bridge currency for trading treasuries, stocks, and other RWAs.

Q: How does XRPL compare to Ethereum for institutional use?
A: Unlike Ethereum, XRPL offers faster settlement (3–5 seconds), lower fees, native compliance tools, and energy efficiency—making it better suited for regulated financial institutions.

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Final Thoughts

Ripple is no longer just a payments network—it’s evolving into a foundational layer for institutional DeFi. With Ondo Finance’s launch on XRPL, growing traction in tokenized treasuries, and advancing regulatory clarity, the ecosystem is gaining serious momentum.

While short-term price action remains subject to macro forces, the long-term fundamentals point toward increasing utility for XRP. If Ripple successfully captures a significant portion of the tokenized real-world asset market, a rally toward $10.00 by end-2025 becomes not just possible—but potentially inevitable.

The convergence of innovation, regulation, and institutional demand may soon redefine what we thought possible for XRP.

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