The XRP community is again supporting its project hardly as @sprauy released a bold timeline outlining Ripple’s potential roadmap through the rest of 2025 – and beyond. The thread, which quickly caught fire on Crypto Twitter, lays out a detailed, phase-by-phase breakdown of what could become a global financial reset powered by XRP.
From regulatory clarity to institutional onboarding and ETF approval, this roadmap positions XRP at the center of a seismic shift in how money, debt, and commodities move through the global financial system.
Let’s break it down month by month.
What you'll learn 👉
July 2025: Legal Closure & Digital Rails Go Live
According to Sprauy, Phase 1 is already underway. In July, the long-standing legal battle between Ripple and the SEC reportedly reached a conclusion. A formal termination and memo filing marked the end of litigation.
At the same time, the Genius Act was signed into law, activating new Treasury Digital Asset Rails. These rails are designed to bring sovereign-grade liquidity to the blockchain – and XRP is front and center.
August–September 2025: Public Confirmation and Regulatory Clarity
Phase 2 will focus on public confirmation. Either Ripple or the SEC is expected to confirm the case closure in August, making it clear to the broader market – including media and investors – that XRP is no longer under legal threat.
Then, in September, comes Phase 3: the Clarity Act is expected to be signed by President Trump, officially classifying XRP as a non-security. This legal shield would open the floodgates for XRP to be used in ETFs, pensions, and sovereign wealth funds.
Even bigger? The debut of RLUSD – a Treasury-backed digital dollar that runs on XRP rails. This new stablecoin aims to tokenize U.S. debt for global deployment, enabling real-time, FX-agnostic cross-border payments with no middlemen involved.
$XRP Financial Reset Phase Timeline
— sprauy (@sprquy) July 25, 2025
July 2025
Phase 1: Legal Closure
Termination + Memo Filing
Genius Act: Signed
Treasury Digital Asset Rails Activated
August 2025
Phase 2: Public Confirmation
Ripple or SEC to publicly confirm case closure for media/investors.
September… pic.twitter.com/xWz0dmhNLF
Q3 2025: Institutional Onboarding Begins
With legal clarity in place, Phase 4 kicks off. Banks, asset managers, and payment networks like SWIFT are expected to begin onboarding XRP infrastructure. This means ETFs, cross-border settlements, and capital markets can finally start using XRP legally and openly.
Institutional capital will have the greenlight to deploy at scale – a scenario the XRP community has been waiting on for years.
Read also: Here’s the XRP Price If Ripple Is Used in 20% of E-Commerce Payments by 2029
November 2025: Liquidity Surge & Gold Tokenization
Phase 5 marks the start of a broader liquidity injection. Ripple’s Liquidity Hub and On-Demand Liquidity (ODL) corridors will expand aggressively.
This phase also introduces a futuristic concept: tokenized U.S. debt meeting tokenized gold. According to Sprauy, this is where a repricing of gold could begin, creating a stable, trust-based financial layer with XRP at its core.
December 2025: ETF Approval & The End of Shadow Liquidity
In Phase 6, XRP ETFs finally become a reality. Spot and index ETFs would allow traditional investors to gain exposure to XRP, further boosting demand and price discovery.
Meanwhile, the so-called “Tether & Shadow Bank endgame” plays out. Offshore liquidity gets shut down. The Genius Act and Clarity Act combine to force capital into regulated, sovereign-compliant rails – of which RLUSD and XRP are central components.
Read also: GROK Predicts PEPE, XRP and TOKEN6900 Prices in 2025
Q1 2026: XRP’s Final Form?
If all goes to plan, Phase 7 would begin early next year, leading into what Sprauy calls the World Financial Reset.
- XRP becomes the world reserve currency
- XRPL evolves into a new global financial system
- Ripple transforms into the new Fed and World Bank
- XDC rises as the backbone of world trade finance
It’s an ambitious vision, no doubt. But whether you’re a skeptic or a believer, one thing is clear: XRP’s roadmap is bigger than just crypto. It’s aiming to rebuild the foundation of modern finance.
Stay tuned.
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