XRP is back above the $2.10 handle after bouncing from a three-week low of $2.09, yet traders remain divided on the asset’s long-term dominance. Whale accumulation has hit record levels 2,700 addresses now hold at least one million coins, the highest in the network’s history. Daily payment volume on the XRP Ledger has also exploded by more than 1,000% since June 15, providing fresh fuel for bullish forecasts. Supporters argue that a planned upgrade dubbed XRP 2.0, a package of AMM, side-chain, and smart-contract features, could cement the chain’s role in cross-border settlements by early 2025. Skeptics counter that competition is growing and regulatory fog still lingers in several key jurisdictions. Amid this debate, some investors are quietly evaluating Remittix, a newer PayFi solution that offers fiat-settled transfers without relying on legacy correspondent networks. Whale Metrics Signal Rising Confidence in XRP 2.0 Glassnode data show whales added roughly $190 million worth of XRP over the past week, matching the pace seen just before the 2021 run-up. Exchange reserves have fallen to a six-month low, suggesting that large wallets are locking coins into cold storage rather than trading them. Simultaneously, Canada’s first spot XRP ETF recorded $37 million in inflows during its opening sessions, pushing cumulative institutional exposure to nearly $250 million. Analysts view these flows as a vote of confidence not only in the existing ledger but also in the forthcoming XRP 2.0 enhancements, which promise faster finality and programmable payments. If the upgrade launches on schedule in Q4, whales anticipate that transaction throughput could double, potentially drawing even more bank-grade partners onto the network. Technical Roadmap and Market Hurdles Despite upbeat metrics, XRP still faces technical and regulatory hurdles. Developers must finalize the Hooks amendment, approve the native AMM protocol and green-light the EVM side-chain before XRP 2.0 is fully functional. Any delay could sap momentum. On the policy front, the SEC’s pending decision on Ripple’s proposed settlement could sway sentiment; a negative ruling might pressure XRP back toward the $1.70 support cluster. Conversely, a favorable outcome could open the door to fresh U.S. exchange listings, creating upside toward $3 and beyond. Traders should also track macro drivers: a spike in Treasury yields or a broader risk-off shift could cool appetite for payment tokens across the board. Verdict: Two Roads to 2025 But One May Arrive Sooner Whale accumulation, surging payment volume, and a clear technical roadmap make a strong case for XRP 2.0 ruling cross-border settlements once the upgrade arrives. Yet execution risk and regulatory uncertainty mean timelines could slip. Investors seeking exposure to the next wave of PayFi utility might diversify beyond XRP’s ecosystem. Remittix , for example, is already processing near-instant fiat payouts for remote workers and small exporters, offering a working alternative while XRP’s upgrade cycle plays out. Whether XRP or XRP 2.0 ultimately dominates 2025 may hinge on how quickly each network can translate promise into production, something market participants will be watching closely in the months ahead. Join the Remittix presale and community: Join Remittix Presale Join the Remittix Community Disclaimer: This is a sponsored press release for informational purposes only. It does not reflect the views of Times Tabloid, nor is it intended to be used as legal, tax, investment, or financial advice. Times Tabloid is not responsible for any financial losses. The post XRP vs XRP 2.0: Which Payment Token Will Rule 2025? appeared first on Times Tabloid .
