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When Wall Street giants such as Citadel and Fortress jointly spent US$500 million to raise the valuation of Ripple to US$40 billion, the question that the market was most concerned about was: What did the money buy? The answer has never been a single encrypted token, but a definite opportunity in the digital payment track after regulatory clarity. This year, the GENIUS Act was implemented in the United States, setting a clear regulatory framework for stablecoins. The Trump administration has elevated the encryption industry to a national strategic level, allowing traditional financial institutions to finally find a safe way to enter the industry. The SEC lawsuit that had plagued Ripple for many years has long been settled. The US$125 million fine resulted in the characterization of XRP as a non-security, completely eliminating the biggest concern of institutional investment. For Wall Street, the first thing this $500 million buys is a "compliance ticket", which is the qualification to seize the digital payment highland under clear rules.  The deeper value is hidden in the business landscape that Ripple has already run through. This company, founded in 2012, is no longer just a "blockchain payment service provider": its platform's annual payment processing scale has exceeded US$95 billion, and its own stablecoin RLUSD has a market value of US$1 billion less than a year after its launch. It has also extended its business to crypto brokerage, corporate financial management and other fields through the acquisition of companies such as Hidden Road and GTreasury, and serves Fortune 500 customers who manage trillions of US dollars in assets. Its core competitiveness has never changed - using XRP as a "bridge asset" for cross-border payments, settlement can be completed in 3-5 seconds, and each transaction fee is less than 1 cent. This is a dimensionality reduction blow compared to the several-day delay and high handling fees of the traditional SWIFT system. What Wall Street bought was a set of practical technologies that had been verified by BBVA and other institutions. It was an efficiency revolution in the US$10 trillion annual cross-border payment market.  There is also the value of industry card slots that cannot be ignored. With a valuation of US$40 billion, Ripple directly surpassed its competitor Circle (currently valued at US$26 billion) and became one of the most highly valued unlisted encryption companies in the world. More importantly, Ripple holds 75 global regulatory licenses. Through six acquisitions in two years, it has built a complete ecosystem from payment, custody to stablecoin infrastructure. It can even provide XRP mortgage loan services for institutions, and its daily transaction volume has exceeded 60 million. For the institutions participating in the investment, this US$500 million is not only a financial investment, but also a strategic binding - they can use Ripple's ecology to quickly enter the digital asset field and share the dividends brought by the maturity of the encryption industry.  It is worth mentioning that Ripple itself admits that it is “not short of money” and the core purpose of accepting investments is to deepen its ties with financial partners. This just confirms Wall Street’s calculation: at the turning point of the encryption industry from speculation to practicality, using a not-so-exaggerated amount of funds to lock in an industry leader with regulatory compliance, mature technology, and complete ecology is a bet on the huge possibility of digital payments reshaping global finance in the future. The essence of this transaction has never been currency speculation, but traditional finance’s advance layout of payment infrastructure in the digital era. |
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