CaptainAltcoin has published a new video outlining what could be the most detailed roadmap yet for XRP between now and early 2026. The video suggests that Ripple’s legal battles are over, new laws are about to reshape crypto regulation in the U.S., and XRP may soon be at the heart of a financial reset.
The plan is broken into phases – starting with U.S. legislation in September 2025 and leading to a global shift by January 2026.
What you'll learn 👉
September 2025 – The Clarity Act
In September, U.S. lawmakers are expected to move forward with the Clarity Act, which would give crypto assets like XRP a clear legal definition. If signed by President Trump, the law would place XRP under the oversight of the CFTC as a commodity. That shift would open the door for pension funds, sovereign wealth funds, and ETF providers to hold XRP. Analysts also expect multiple ETF filings to follow shortly after.
Q3 2025 – Institutions Quietly Onboard
As regulation clears, CaptainAltcoin notes that banks and enterprises are preparing to quietly test XRP for real settlement flows. Ripple’s clients such as Bank of America and Morgan Stanley could run pilots involving FX swaps and treasury transfers. At the same time, Ripple’s stablecoin RLUSD, backed by U.S. Treasuries, is expected to roll out under the GENIUS Act, with XRP acting as the bridge asset. Even SWIFT is rumored to be running live trials where XRP could play a role in connecting CBDCs and tokenized assets.
You can watch the full video here:
November 2025 – Liquidity Injection
By November, liquidity is expected to expand as Ripple integrates XRP into its Liquidity Hub. This allows enterprises to tap XRP without direct custody. On-Demand Liquidity would grow rapidly across Europe and the Middle East. Meanwhile, tokenized U.S. Treasuries via RLUSD and even tokenized gold could begin moving on XRPL, adding fuel to the idea that a new asset-backed financial system is being built.
December 2025 – XRP Spot ETF Approval
The biggest milestone comes in December with the anticipated approval of a U.S. Spot XRP ETF. Odds for approval have already surged, and CaptainAltcoin argues it could even happen earlier than December. Alongside a single-asset ETF, there is speculation of a broader multi-token payment ETF, with XRP as the centerpiece. ETF approval would make XRP accessible to pensions, RIAs, and retail investors in regulated markets.
Read also: XRP Rich List Might Surprise You – How Much Do You Need to Be in the Top Holders?
January 2026 – The Reset Phase
The final phase arrives in January 2026, when CaptainAltcoin says insiders are calling this the beginning of the World Financial Reset. XRP’s role shifts from speculative asset to global settlement layer for tokenized currencies, gold, and debt. Smaller central banks could begin holding XRP as a reserve asset, while trade finance corridors pair XRP with other networks like XDC. Ripple’s access to banks, central institutions, and even World Bank pilots would further strengthen XRP’s position.
The XRP Ledger itself would evolve into a hub for CBDCs, stablecoins, and sovereign tokens, all interoperating on one network. CaptainAltcoin compares this setup to a modern version of Bretton Woods, except instead of pegging to gold, the world pegs to rails – and XRP is the rail.
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