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| XRP: 2012-2025 |
2012
Ripple was founded with the goal of creating a real-time global payment system.
The XRP Ledger was launched as a more energy-efficient alternative to Bitcoin.
Its native token, XRP, was designed to enable fast, borderless value transfer.
The team focused on building the protocol and early infrastructure.
Ripple began laying the foundation for cross-border utility.
2013
OpenCoin rebranded to Ripple Labs and clarified its enterprise mission.
It refined the Ripple protocol and distributed XRP to promote adoption.
Partnership talks with banks and financial firms quietly began.
The network’s validator model drew both interest and criticism.
Ripple aimed to complement—not replace—traditional finance.
2014
Ripple made early bank partnerships and launched Ripple Trade wallet.
The firm was named a World Economic Forum Technology Pioneer.
xCurrent gained traction as a SWIFT alternative for messaging.
Validator expansion and technical documentation boosted transparency.
Ripple positioned itself as a regulatory-friendly blockchain solution.
2015
Ripple faced a $700K fine from FinCEN, prompting compliance upgrades.
It rolled out xCurrent, xVia, and xRapid—core RippleNet products.
Global remittance corridors began pilot testing ODL with XRP.
The Ripple Advisory Board added major U.S. economic figures.
Ripple emphasized legal compliance as a competitive advantage.
2016
Ripple opened its European HQ and formed SBI Ripple Asia.
Interledger Protocol (ILP) launched, enabling ledger interoperability.
RippleNet began forming as an integrated, real-time network.
Ripple gained adoption in Japan, South Korea, and India.
CEO transition brought Brad Garlinghouse into leadership.
2017
XRP surged 40,000%, reaching over $2.50 during the crypto boom.
RippleNet crossed 100 clients, including major global banks.
xRapid pilots proved XRP’s utility for liquidity sourcing.
Ripple locked 55B XRP in escrow to ease investor concerns.
Public and institutional interest in XRP skyrocketed.
2018
xRapid went live, and ODL began real-world usage in remittances.
Legal scrutiny intensified—Ripple faced early private lawsuits.
XRP delistings started in the U.S. amid regulatory ambiguity.
Ripple launched the $50M UBRI education fund.
Despite market crashes, institutional partnerships expanded.
2019
RippleNet reached 300+ customers; MoneyGram integration went live.
Ripple shifted from programmatic to strategic XRP sales.
ODL volume grew sharply in Southeast Asia and Latin America.
Ripple invested in tokenization and CBDC infrastructure.
A $200M Series C round valued Ripple at $10B.
2020
COVID-19 highlighted the need for digital-first settlement.
ODL volume grew despite pandemic disruptions.
SEC filed a lawsuit alleging XRP was an unregistered security.
Ripple’s PayID initiative aimed to simplify global payments.
XRP price plummeted after U.S. exchange delistings.
2021
Ripple’s legal team gained ground with several court victories.
U.S. crypto regulation became a national conversation.
XRP saw renewed trading in non-U.S. jurisdictions.
RippleNet volume doubled as global use expanded.
Ripple pushed forward with CBDC and NFT initiatives.
2022
Ripple launched pilots with central banks for CBDCs on XRPL.
Stablecoin development and tokenized carbon credits gained steam.
Legal arguments in SEC case centered on fair notice doctrine.
Ripple emphasized green, efficient blockchain operations.
XRPL upgrades included smart contract and AMM support.
2023
Court ruled XRP was not a security in secondary market sales.
XRP relisted on major exchanges; price doubled overnight.
Ripple launched its own stablecoin and expanded ODL.
CBDC pilot programs advanced across Asia and Latin America.
Ripple cemented its place in enterprise blockchain finance.
2024
RippleNet surpassed 500 global financial partners.
ODL handled a majority of transactions across major corridors.
Ripple’s CBDC and stablecoin solutions gained regulatory trust.
Tokenized real estate and bond experiments launched on XRPL.
Ripple’s lobbying helped drive U.S. crypto policy reform.
2025
Ripple fully reintegrated XRP into the U.S. financial system.
Stablecoin RippleUSD powered hybrid liquidity corridors.
XRPL matured into a multi-asset, DeFi-enabled enterprise chain.
CBDC partnerships spread to Africa and emerging markets.
Ripple emerged as a pillar of global financial infrastructure.
This article is a summary of Ripple. For more information, please refer to the link below.
https://www.breezyinvest.com/2025/05/ripples-journey-from-swift-challenger.html
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