XRP ETF Approval and Ripple IPO Happening in 2025?

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XRP is making headlines again, and this time it’s not just about price action. Crypto analyst VirtualBacon, in his latest video, shared a full breakdown of key developments that could impact XRP, Ripple’s IPO, its stablecoin plans, potential ETF approval, and ongoing market rumors. Here’s what’s going on. 

Will Ripple’s IPO Boost XRP?

Ripple’s pre-IPO shares are currently trading OTC at around a $20 billion valuation, with some suggesting the stock could 10x post-IPO. But VirtualBacon warns not to expect XRP to follow suit. However, there’s no fixed connection between Ripple’s stock price and XRP’s token value. If Ripple goes public, big investors might prefer to buy the stock rather than the XRP token. Pre-IPO Ripple shares are selling at around $100, but only experienced investors can access them. So, while the IPO could bring more attention to Ripple, it may not directly pump XRP.

Ripple’s Stablecoin and Bank License Plan

Ripple recently applied for a national bank license in the U.S., which would put it on the same level as Circle. This move supports Ripple’s stablecoin, RLUSD. Moreover, with new rules like the Genius Act on the way, stablecoin issuers may soon be required to hold real dollars or U.S. Treasuries. Ripple’s strategy lines up with these rules, and getting a bank license would make RLUSD more appealing to institutions.

XRP ETF: Approval Could Be Close

After launching XRP futures ETFs on the CME and NYSE, the momentum is building for spot products. VirtualBacon highlighted that Bloomberg analysts have given a 95% chance for spot XRP, Litecoin, and Solana ETFs to be approved by October. If true, it would cement XRP’s standing among top-tier digital assets. 

Swift Partnership Rumor Is False

There’s been talk online that Ripple and Swift are teaming up, but VirtualBacon says it’s just a rumor with no real source. While Swift is testing technology that XRP supports (like ISO 20022), it’s also working with other blockchains like Stellar and Algorand. Even Ripple CEO Brad Garlinghouse said the two are still competitors.

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Escrow Releases Are Normal, Not Dumping

Ripple unlocks 1 billion XRP monthly, re-locking 70–80% regularly. While some claim Ripple is “dumping,” on-chain data shows consistency. However, Ripple plans to stop releasing quarterly XRP reports, citing SEC pressure, a move that adds some uncertainty. Still, these activities remain fully transparent on-chain.

What Next?

Meanwhile, XRP’s futures market is heating up, with Open Interest (OI) soaring past $10 billion, marking a new all-time high. This surge comes as XRP inches closer to $3.48, a level not seen in years. Historically, such spikes in OI have often signaled strong price rallies, hinting at potential further upside in XRP’s momentum.