XRP ETF Stalls—Now Traders Flock to ‘XRP 2.0’ With 13,000% Upside Hype

As institutional investors twiddle thumbs waiting for SEC approval, retail degens pivot to the next shiny object. Meet ’XRP 2.0’—the latest vaporware promising to moon while Wall Street’s paperwork gathers dust.

Forget ETFs. The real action? A speculative altcoin pumping 13,000% on hopium and FOMO. Because nothing says ’sound investment strategy’ like chasing triple-digit returns on unproven tech.

Bonus jab: Meanwhile, Goldman Sachs clients still can’t decide if crypto is an asset class or a prank.

The U.S. Securities and Exchange Commission has punted a decision on Franklin Templeton’s spot XRP ETF to 17 June 2025, extending what many hoped would be a quick post-Bitcoin-ETF approval cycle. The latest holdup echoes delays on multiple alt-ETF filings, leaving XRP holders wondering whether a green light will arrive before the agency’s final October deadline. While the news clipped XRP’s intraday rally, price slipped to $2.12, analysts say the pause is pushing speculative capital toward a payments-oriented newcomer dubbed “XRP 2.0.”

ETF Gridlock Puts XRP Price in Holding Pattern

FXEmpire notes that the SEC’s deferral date falls just two days after regulators must file a status update in their appeal of Ripple’s 2023 partial victory. Legal watchers call that timing “strategic,” giving the Commission wiggle room to settle the lawsuit before approving an ETF. 

For now, the Ethereum-to-Bitcoin rotation has dulled XRP momentum. Option desks at Deribit show open interest skewed toward $3.50 calls expiring in December, bullish but restrained relative to last year’s $5–$7 bets. Traders appear to be parking capital in higher-beta narratives until the SEC dust settles.

Whale Wallets Quietly Load ‘XRP 2.0’

That hunt for beta has spotlighted a PayFi token many compare to a “leaner, faster RippleNet on autopilot.” On-chain sleuth @Lookonchain flagged two multi-sig wallets soaking up $1.4 million worth of the asset in 48 hours, bringing total whale holdings to a record 312 million tokens. The token’s appeal? It auto-routes stablecoins across 40+ chains, then pays out local fiat, slashing the 5–10 % fees that even Ripple’s banking corridors still charge end users. Payment-sector analysts call the design “Ripple without the gatekeepers,” arguing that “anyone with USDC and a smartphone can undercut Western Union in three clicks.”

While the project’s team avoids direct XRP comparisons, Telegram chatter now labels it, a nod to its remittance focus and deflationary mechanics that burn a slice of every transaction. Tokenomics dashboards show 65 % of circulating supply locked by long-term wallets, a sharper accumulation curve than XRP saw in its early years.

Why Analysts Claim 13,000 % Upside

Is a 130-fold rally just click-bait? Galaxy Research’s Emilio Ferraro says the math isn’t outrageous: “Assume 1%1 \% penetration of the $840 billion remittance market at a 0.75 % fee. That’s $6.3 billion annualized. Even a 10× revenue multiple takes you north of $60 billion, roughly 130× today’s diluted value.” Although back-of-the-envelope, the estimate resonates with investors who watched Solana rip 300× from obscurity once its technical edge became obvious.

Catalysts line up for such a move:

• Liquidity Locks & Renounced Contract – three-year locks and post-launch renouncement quell rug-pull fears that dog lesser payment coins.
  
• Beta Pilots in Africa & SE Asia – early testers in Lagos and Manila confirm sub-five-minute settlements, a figure impossible on legacy SWIFT rails.
  
• Bridge-Agnostic Design – unlike RippleNet’s reliance on partnered banks, the protocol taps any chain with stablecoin liquidity, bypassing KYC bottlenecks.
  

If strongly capitalized market-makers seed exchange liquidity this summer as rumors suggest, price discovery could mimic 2021’s Layer-1 parabolas once the broader alt cycle reignites.

What It Means for Traditional XRP Holders

None of this diminishes XRP’s fundamentals. Ripple just unveiled its RLUSD stablecoin and doubled the network’s throughput target, seeking to reassure partners that on-chain liquidity will be ample when or if an ETF approval lands later this year. Yet until the SEC formally signs off, traders hungry for higher torque may keep siphoning into “XRP 2.0,” reasoning that newer tech plus lower float equals superior risk-reward

XRP’s ETF delay is inconvenient, not fatal, but markets rarely wait. As whales accumulate a PayFi alternative promising Ripple-style utility without regulatory baggage, the spotlight shifts to whether that token can deliver the 13,000 % narrative circulating on X. If it does, today’s subdued accumulation phase could look like XRP’s own stealth years before its 2017 explosion.

For those curious about the project fueling these whispers, its roadmap and live stats are available on the official portal, with audited contract data pinned on its Linktree. Whether it ultimately earns the “XRP 2.0” crown or simply rides the next bull-cycle wave, one truth remains: in crypto, capital chases momentum, and momentum loves the path of least regulatory resistance.

: https://remittix.io/ 

: https://linktr.ee/remittix