TLDR
- Ripple President Monica Long has declared 2026 as a key year for XRP’s institutional adoption.
- XRP is already being used by institutions for settlements, treasury management, and foreign exchange bridging.
- Ripple is supporting the XLS-66 initiative to enable institutions to earn yield on XRP holdings.
- Ripple has rebranded Hidden Road into Ripple Prime to integrate XRP into institutional financial operations.
- XRP ETFs have seen cumulative net inflows of $1.23 billion since their launch in November.
Ripple President Monica Long has declared 2026 as a turning point for Ripple and XRP. She emphasized that institutional adoption of XRP would scale significantly by the end of the year. Long’s comments were made during the XRP Community Day virtual event, where she highlighted the ongoing shift towards deeper integration with financial and enterprise sectors.
Institutional Adoption of XRP Gaining Momentum
Monica Long focused on the growing role of XRP in institutional settings during her speech. She stated that XRP is already being utilized for settlements, treasury management, and foreign exchange bridging by various institutions. This shift marks an important phase for Ripple, which expects the full impact of this adoption to become evident by December 31, 2026.
XRP as "institutional adoption at scale."
Ripple Monica Long defines this year for $XRP as "institutional adoption at scale." 🏁 pic.twitter.com/dVQppSK0T2
— 𝗕𝗮𝗻𝗸XRP (@BankXRP) February 11, 2026
Long mentioned that the progress of institutional adoption will be visible through expanded partnerships and the increasing integration of XRP into institutional operations. Ripple’s strategy aims to enhance the real-world use of XRP, thus improving market liquidity and solidifying Ripple’s position within global financial infrastructure. This ongoing transformation reflects Ripple’s commitment to broadening its reach within the enterprise sector.
Ripple’s Strategic Initiatives for Institutional Adoption
Ripple is actively laying the groundwork for XRP’s widespread institutional adoption. The company has introduced various initiatives aimed at strengthening XRP’s role in the financial industry. For example, Ripple is supporting the XLS-66 initiative, which will enable institutions to earn yield on their XRP holdings directly on the XRP Ledger.
In addition, Ripple has rebranded its Hidden Road initiative into Ripple Prime, further emphasizing the role of XRP in collateral and liquidity operations. By integrating XRP into Ripple Prime’s financial operations, Ripple is positioning XRP at the center of institutional financial activity. This move aims to facilitate the adoption of XRP within institutional frameworks, boosting the token’s use and visibility.
Demand for XRP ETFs and Institutional Holdings
The institutional interest in XRP is clearly visible through rising demand for XRP exchange-traded funds (ETFs). Since their launch in November, XRP ETFs have garnered cumulative net inflows of $1.23 billion. This surge in demand suggests that institutional investors are increasingly viewing XRP as a reliable asset for their portfolios.
Furthermore, several companies, including Evernorth, Webus, and VivoPower, now hold XRP as a reserve asset. Evernorth, in particular, is building the world’s largest XRP reserve. As other companies follow suit, corporate adoption of XRP is likely to increase, further fueling the momentum for its widespread institutional use.
Ripple’s recent partnership with Aviva Investors also adds to this momentum, as it will support the launch of regulated investment funds based on XRP’s blockchain. These moves indicate that Ripple is continuing to strengthen XRP’s position in institutional finance, with more developments expected before the year concludes.
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