XRP is laying financial infrastructure as Ripple spent more than $2.4 billion on acquisitions of crypto-financial businesses in 2025, assembling a toolkit of financial services targeted at institutions. Perhaps the most important purchase was Hidden Road, a crypto prime broker bought for $1.2 billion, making Ripple the first crypto company to own a global, multi-asset prime broker.
Ripple’s footprint also includes GTreasury and Rail, adding crypto custody, cross-border settlement, and Fortune 500 treasury workflows to the XRP Ledger’s capabilities, with more features in development. These assets enable XRP to be marketed as a back-end solution to financial companies, potentially boosting demand for XRP. U.S. regulators approved spot XRP ETFs in late 2025, and they have since drawn about $1.4 billion in net inflows, with Goldman Sachs among the largest institutional holders, at roughly $154 million.
World Liberty Financial is described as a DeFi-like protocol linked to a Trump family venture; 75% of the fees generated by token sales go to a company in which the Trump family holds a majority stake. Governance rights appear thin, with voting concentrated among the top nine wallets; most WLFI tokens remain locked, and the unlock timeline has not been disclosed. The verdict is that XRP is a better investment for $1,000 than WLFI, which is deemed uninvestable, while XRP is a leading crypto asset. Approximately 39% of XRP supply remains non-circulating due to escrow, with 1 billion XRP unlocked from escrow each month, and Ripple typically redistributes most of the coins back into escrow afterward.
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