Plus, Ripple launched a stablecoin called Ripple USD in 2024, which is better suited for making payments because it experiences practically zero volatility. The value of XRP, on the other hand, can swing significantly from day-to-day, leaving banks exposed to losses even during brief holding periods.But XRP still ended 2025 in the red, because it has a few structural issues which investors simply can't ignore. For example, banks don't have to use XRP to benefit from instant cross-border transactions through ...