Ripple performs an advanced, multi-front worldwide strategy that yields important results and positions the company for large infrastructure and market share profit.
Two critical developments on both sides of the Atlantic Ocean have shown powerful strategic planning in the long term. In the United States, the official approval by the Federal Reserve of the ISO 20022 Messaging Standard has validated Ripple’s multi -year investment in compliance and integration.
At the same time, the company is Reportedly Making a decisive, mica-conforming push on the European market with its RLUSD Stablecoin, which sets up a strategic hub in Luxembourg.
The movements paint a picture of a company decisively further than its earlier legal challenges in a new phase of global implementation.
In the field of the US, the long -awaited transition from the Fedwire Funds service to the ISO 20022 Global Messaging Standard officially took place on July 14. The upgrade is a monumental shift for the American financial system, because it standardizes the data structure for billions of dollars in daily Interbank transfers, where Richere data is few errors and insight into cross-border errors. Ripple expected this shift and became the first blockchain-oriented company that joined the ISO 20022 Standards Body in 2020.
As a result, the global payment platform, Rippelet, is already fully met the new standard, which Ripple positions as a Prime Technology Partner for financial institutions that want to use Blockchain-based settlement within the newly upgraded Fedwire system.
Settings that use the cloud-based Fedwire-As-Service from Volante Technologies can, for example, select XRP as a settlement mechanism, creating a direct path for institutional acceptance. The market has taken note of this strategic victory, whereby the news coincided with a prize by the $ 3 threshold and a remarkable increase in accumulation due to whale portfolios. The price has since been withdrawn to $ 2.87 when Bitcoin withdrew from yesterday’s price discussion.
At the same time, Ripple lays the foundation at the European Front to catch the Stablecoin market under the extensive EU markets in the regulation of crypto-assets (MICA). Ledger insights broke news that the company intends to launch his RLUSD Stablecoin throughout Europe by establishing a recognized electronic money institution (EMI) in Luxembourg.
Protect Stablecoin statements for RLUSD
Securing an EMI license in one Member State grants passport rights to operate in all 30 countries of the European Economic Area (EEA), making this a very efficient strategy for continental expansion. In April, the company included “Ripple Payments Europe SA” in Luxembourg, which indicates his concrete commitment to this path.
The choice of Luxembourg can be considered a masterstroke of strategic planning. The nation is a leading international financial hub where Coinbase recently obtained a license. It organizes activities for the most most important banks in the world, including Bny Mellon, who has already tapped Ripple as the primary custodian for his RLUSD Stablecoin reserves. This deep bank ecosystem is crucial for compliance with the strict reserve requirements of MICA, which are mandatory that Stablecoin expenditure diversify their reserve determination over multiple banking institutions.
By setting up at a location with a high concentration of bank partners, Ripple can manage these complex diversification rules more easily. This step also builds on Ripple’s existing presence in the country, including a research partner about Micropayments with the University of Luxembourg dating from 2019.
Although geographically separated, these two developments are two sides of the same currency: a coherent global strategy. Ripple’s success with ISO 20022 is a victory for his “Picks and Shovels” approach.
Instead of trying to disrupt and replace Legacy Financial Systems, Ripple is integrated with and improved them. By investing in compliance with the improved financial sanitary years in advance, the company has now become a go-to-service provider for the modernized system.
At the same time, Ripple navigates through the global regulatory landscape through the arbitration of jurisdiction. Faced with a fragmented yet improvement of the Stabilecoin environment in the US, the company is not waiting for clarity. Instead, it seizes the clear regulatory route of Mica in the EU to expand its RLUSD activities. This enables it to obtain market share and operational positioning in a regulated environment, while at the same time it continues to build its technical and legal basis in the US via ISO 20022 Compliance and requests for domestic licenses.
However, the “guiving and countering National Innovation for US Stablecoins Act from 2025”, or Genius Act, is about to become law, pending a definitive vote in the American house of representatives and the signature of the president. The bill is intended to create an extensive regulatory framework for Stablecoins, which would give Ripple clarity for RLUSD in the United States.
The Genius Act, designated as S. 1582, was hired by the Senate on 17 June. It is currently being considered in the House of Representatives and mentioned the week of 14-18 July 2025 as “Crypto Week” to concentrate on legislation on digital assets.
The Genius Act must approve the House of Representatives before it becomes law. After the passage through the house, the bill will be sent to the president for his signature. As soon as the president signs it, the genius law will become official law.
Given the current legislative calendar and the focus on cryptocurrency-related accounts, the last passage of the genius law could be imposed.
