XRP’s Pivotal Role in the Internet of Value: Ripple CEO Testifies Before Senate Banking Committee

In a significant testimony before the U.S. Senate Banking Committee on December 11, 2025, Ripple CEO Brad Garlinghouse made a compelling case for XRP to serve as a foundational bridge currency for the emerging 'internet of value.' Against the backdrop of Ripple's prolonged legal confrontation with the U.S. Securities and Exchange Commission (SEC) regarding XRP's regulatory classification, Garlinghouse's appearance marks a strategic effort to shape legislative and regulatory perspectives at the highest levels. His testimony centered on the XRP Ledger's technical merits—specifically its ability to facilitate rapid, low-cost, and scalable cross-border transactions—positioning it not merely as a digital asset but as critical infrastructure for the future of global finance. Garlinghouse framed XRP as the optimal solution to the longstanding inefficiencies plaguing international payments, such as high fees, slow settlement times, and lack of transparency inherent in traditional correspondent banking systems. He argued that the decentralized, open-source nature of the XRP Ledger provides a neutral, efficient, and secure rail for moving value globally, akin to how the internet revolutionized data transfer. This advocacy comes at a crucial juncture, as regulatory clarity in the United States remains a pivotal factor for the broader cryptocurrency industry's growth and institutional adoption. By directly engaging policymakers, Garlinghouse aims to transition the discourse from regulatory uncertainty to recognizing digital assets like XRP as essential tools for economic innovation and competitiveness. The hearing underscores the growing intersection of cryptocurrency, policy, and traditional finance, highlighting how foundational technologies are being presented to lawmakers as solutions to real-world financial system challenges. The outcome of this regulatory dialogue, coupled with the resolution of the SEC lawsuit, is poised to have profound implications for XRP's utility, adoption trajectory, and its long-term vision of becoming the backbone of the internet of value.

Ripple CEO Advocates for XRP as Bridge Currency in Senate Banking Committee Hearing

Ripple CEO Brad Garlinghouse positioned XRP as a cornerstone of the 'internet of value' during his Senate Banking Committee testimony. The executive emphasized XRP Ledger's capabilities for fast, low-cost cross-border transactions, framing it as critical infrastructure for global payments.

Garlinghouse's appearance comes amid Ripple's ongoing legal battle with the SEC over XRP's regulatory status. His testimony highlighted the tension between innovation and what he characterized as the SEC's 'regulation-by-enforcement' approach to crypto assets.

The CEO's remarks underscored XRP's technical utility while implicitly advocating for clearer digital asset legislation. Market observers noted the strategic timing of these comments as Ripple seeks to expand institutional adoption of its payment solutions.

XRP’s Long-Term Trajectory Clarified by DAS Research Analysis

Digital Asset Solutions (DAS) Research has provided a data-driven signal cutting through months of market speculation about XRP’s future. The analysis positions Ripple and XRP not as cryptocurrency competitors but as infrastructure for global payments—adopted by banks, fintechs, and cross-border networks prioritizing speed, low cost, and settlement transparency.

Three Core realities emerge: XRP’s structural advantages (fast settlement, minimal fees), its pivot toward institutional payment rails, and Ripple’s strategic shift from crypto battles to financial infrastructure partnerships. The findings align with growing demand for efficient liquidity solutions in traditional finance.

Ripple (XRP) Gains Momentum as Supply Tightens; Mutuum Finance (MUTM) Presale Draws Attention

Ripple's XRP is demonstrating resilience in 2025, with its price finding support at $2.18 as exchange reserves decline sharply. Binance holdings have dropped from over 3 billion to 2.7 billion XRP, signaling accumulation by long-term investors moving tokens to cold storage.

Meanwhile, Mutuum Finance's MUTM token is gaining traction through its ongoing presale, presenting an alternative for investors seeking growth opportunities. The contrasting strategies—XRP's supply contraction versus MUTM's expansion—highlight divergent approaches to value creation in the current market cycle.

ETF inflows exceeding $640 million have further bolstered XRP's position, though the article was truncated before detailing these developments. Market participants continue debating whether scarcity-driven assets or emerging platforms offer superior long-term potential.

Gemini Integrates RLUSD Stablecoin on XRPL for Faster Settlements

Gemini has activated Ripple's RLUSD stablecoin on the XRP Ledger, enabling near-instant settlements with sub-4% APY yields. The move follows regulatory approval for a collaboration between Mastercard, WebBank, and Ripple to streamline fiat settlements using blockchain infrastructure.

Users can now deposit RLUSD on XRPL and withdraw via either XRPL or ethereum networks. The integration stems from November's partnership announcement exploring blockchain-based settlement solutions for Gemini's credit card program.

Mastercard confirms the initiative demonstrates stablecoin utility in consumer payments, with WebBank-issued cards serving as the testbed. Ripple's ledger provides the settlement layer, reducing transaction costs compared to traditional rails.