A significant transformation is underway in global payments, with financial networks progressively adopting unified standards, enhancing messaging capabilities, and embracing asset tokenization. Ripple anticipates that as these systems converge, the demand for assets used in cross-border settlement could experience an unprecedented increase. Industry indicators suggest that XRP is strategically positioned to benefit from this evolving landscape.
Recent analyses, including those shared by SMQKE on X, highlight how emerging payment standards and the development of tokenization pipelines could elevate Ripple's technology to a central role in global value transfer. These insights into the future direction of financial infrastructure suggest a sharp rise in XRP's utility once widespread adoption is achieved.
ISO 20022: The Emerging Global Messaging Standard
ISO 20022 is establishing itself as the universal language for financial data, offering richer information, accelerated reconciliation processes, and improved automation. Financial institutions that adopt this standard stand to gain access to more intelligent payment systems and enhanced fraud detection capabilities.
The subsequent phase of this standard's implementation will involve the integration of artificial intelligence to facilitate advanced risk analysis. This combination is poised to fundamentally alter how banks transmit and verify financial information.
IF RIPPLE BECOMES THE BACKBONE OF GLOBAL VALUE TRANSFER, RIPPLE LABS EXPECTS DEMAND FOR XRP TO SURGE
Documented. https://t.co/aJgLtxALHLpic.twitter.com/x6WIdKBjlY
— SMQKE (@SMQKEDQG) November 21, 2025
Furthermore, ISO 20022 is designed to accommodate tokenized value, capable of transmitting the complex data structures necessary for digital assets. This makes it a natural foundation for central bank digital currencies and tokenized securities. As more institutions migrate to this framework, networks that provide rapid settlement capabilities will become increasingly significant.
Tokenization and the Race for Institutional Payment Networks
The process of tokenization is expanding across both public and private markets, with major institutions actively converting traditional assets into blockchain-based units. The documentation shared by SMQKE identifies leading networks that are developing tokenization infrastructure. Ethereum currently leads in the area of tokenized funds, while Solana is gaining traction among fintech firms. Avalanche and Polygon continue to be strong contenders for enterprise pilot programs.
Ripple and the XRP Ledger distinguish themselves through their dedicated focus on institutional finance. Ripple promotes the ledger as an environment optimized for high-speed, low-cost global settlement. Concurrently, the company is developing a tokenization strategy that aligns with regulatory expectations. Ripple's pursuit of a U.S. bank charter further indicates a move toward deeper integration within regulated financial systems.
Ripple's Rationale for Increased XRP Demand
Ripple's long-term strategic outlook is straightforward: if its technology becomes the foundational infrastructure for global value transfer, the demand for XRP will inevitably increase. Banks and financial institutions that utilize XRP for liquidity purposes will require it for settlement operations. As tokenization continues to scale, cross-border transaction volumes are expected to grow. High-volume settlement necessitates a neutral bridge asset, a role that Ripple asserts XRP is designed to fulfill.
This projected surge in demand is not anticipated to stem from speculative trading. Instead, it is expected to be driven by genuine utility. Settlement tokens gain value when institutions rely on them for their daily operational needs. Ripple views this as a pivotal moment that could transform XRP into an indispensable component of financial infrastructure.
Toward a Unified Framework for Digital Value
The materials highlighted by SMQKE clearly indicate a converging trend: payment networks are moving towards shared standards, digital assets are becoming increasingly integrated into mainstream finance, and institutional adoption of blockchain technology is accelerating. If these forces align as anticipated, networks that facilitate real-time global settlement could experience substantial growth.
Ripple believes it is well-positioned to capitalize on this future. If adoption progresses as projected, the demand for XRP could rise significantly once global systems fully transition to tokenized value.