XRP and RLUSD Set for Institutional Surge as SEC Classifies Stablecoins as Cash Equivalents
The U.S. Securities and Exchange Commission (SEC) has issued interim guidance recognizing qualifying USD-pegged stablecoins as cash equivalents on corporate balance sheets, marking a pivotal regulatory shift. This decision eliminates longstanding accounting hurdles, significantly boosting institutional adoption prospects for digital assets like XRP and Ripple's upcoming RLUSD stablecoin. The move is expected to accelerate mainstream financial integration for these cryptocurrencies, with RLUSD particularly well-positioned to capitalize on the new framework. As of August 2025, this development signals a transformative phase for crypto assets in traditional finance.
SEC Recognizes Stablecoins as Cash Equivalents, Boosting XRP and RLUSD Prospects
The U.S. Securities and Exchange Commission has issued interim guidance classifying qualifying USD-pegged stablecoins as cash equivalents on corporate balance sheets. This regulatory shift removes longstanding accounting barriers, paving the way for institutional adoption of digital assets like XRP and Ripple's forthcoming RLUSD stablecoin.
RLUSD appears particularly well-positioned to benefit from the new framework, meeting all SEC criteria for cash equivalence: full fiat backing, 1:1 dollar peg, and guaranteed redemption rights. The stablecoin's reserves consist of US dollar deposits, short-term Treasuries, and other cash equivalents—a structure that aligns perfectly with the SEC's requirements.
Market observers note this development could accelerate institutional involvement in crypto markets, particularly among financial institutions that have been awaiting clearer regulatory guidance. The decision marks a significant step toward mainstream financial integration for compliant digital assets.
XRP Lawsuit Goes Quiet as SEC Delays Internal Vote on Appeal
The XRP lawsuit has entered another quiet phase, nearly five years after the SEC charged Ripple Labs with conducting an unregistered securities offering. Speculation swirls on social media, but legal experts point to a procedural hurdle: the SEC has yet to complete the internal vote required to drop its appeal.
Ripple secured a partial victory in July 2023 when Judge Analisa Torres ruled programmatic XRP sales on exchanges weren’t securities transactions, though institutional sales were. Both sides filed appeals in October 2024, but Ripple withdrew its cross-appeal in June 2025 and placed a $125 million civil penalty in escrow. The SEC’s appeal remains pending, leaving the judgment non-final and the injunction intact.
The agency’s stance on crypto shifted under new leadership after President TRUMP elevated former commissioner Paul Atkins as chair. Atkins’ August 4 announcement of "Project Crypto" signaled a potential pivot in regulatory approach, but the XRP case remains in limbo.
XRP Price Prediction of $10,000 Gains Traction Amid Supply Shock Theories
Crypto analyst Ripple Queen has sparked debate with a bold projection that XRP could surge to $10,000, citing limited supply and growing institutional adoption as key drivers. The prediction hinges on a potential supply shock as banks and institutional investors reportedly accumulate the token.
Regulatory clarity in the crypto sector, particularly through legislation like the GENIUS Act, is seen as a tailwind for Ripple's expansion plans. XRP remains central to Ripple's payment infrastructure, with CTO David Schwartz confirming its continued role as a bridge currency.
The analysis suggests mass adoption is transitioning from theoretical to imminent, with XRP's utility in cross-border payments positioning it uniquely for institutional uptake. Market observers note the $10,000 target WOULD require unprecedented capital inflows, making it a highly speculative outlook.
Ripple (XRP) Legal Battle with SEC Nears Critical Phase as RLUSD Progresses
The protracted legal showdown between Ripple Labs and the U.S. Securities and Exchange Commission approaches a pivotal moment, with the SEC mandated to file a status update by August 15. What began as a $2 billion penalty demand in 2020 has whittled down to $50 million after Judge Analisa Torres' landmark 2023 ruling that secondary market XRP sales didn't constitute securities offerings.
Market observers speculate about potential case dismissal as former SEC officials hint at internal consensus. "They just have to get through the standard internal approval process," remarked Marc Fagel, former SEC San Francisco director, suggesting the appeal may be nearing its conclusion.
Meanwhile, development continues unabated with RLUSD stablecoin advancements signaling Ripple's strategic expansion beyond payment networks. XRP markets remain volatile as traders position for potential resolution catalysts.
Is South Korea Secretly Controlling XRP? $3 Level in Danger Today
Ripple holders are grappling with startling data suggesting South Korea may wield outsized influence over XRP's market dynamics. The altcoin's precarious position NEAR the $3 threshold has sparked intense speculation about centralized control mechanisms.
Market analysts observe unusual trading patterns coinciding with Korean trading hours, though conclusive evidence of manipulation remains elusive. XRP's liquidity profile shows disproportionate volume concentration on Upbit, South Korea's dominant exchange.
Ripple's Legal Maneuvers Prolonged SEC Lawsuit, Final Resolution Nears
Former SEC official Marc Fagel reveals Ripple's unsuccessful attempt to renegotiate court-mandated penalties delayed the conclusion of its high-profile case against the regulator. The blockchain firm sought to vacate an injunction and reduce its $125 million penalty—moves the court promptly rejected.
What began as a landmark enforcement action in March dragged through months of additional litigation. Ripple's push to remove restrictions on XRP sales to non-institutional investors under new SEC leadership extended proceedings until late June. The parties ultimately filed a joint request to continue court processes two weeks before closing cross-appeals.
