Internal payments of the Federal Reserve banks will now incorporate XRP cryptocurrency.
The Federal Reserve's decision to adopt XRP as an internal payment method by August 18, 2025, is set to have significant implications for the REAL Token and the international real estate market.
Key implications of this move include:
- For XRP and the Federal Reserve system: The integration of XRP for internal Federal Reserve bank payments would enable faster, cheaper, and more scalable settlement processes compared to traditional systems like SWIFT. This move could free up trillions in institutional funds by unlocking XRP Ledger’s instant settlement capabilities and cost efficiencies. It would also mark a major institutional endorsement of blockchain technology in the U.S. banking system.
- For REAL Token and real estate tokenization: Since REAL Token operates on the XRP Ledger and aims to digitize global real estate assets, XRP adoption by the Federal Reserve could substantially enhance demand and liquidity for REAL Token. The project targets a potential $100 billion market cap, contributing to a tokenization market projected to reach $3 trillion by 2030. By enabling secure, transparent, and instant asset transfers, XRP infrastructure may accelerate real estate investment digitalization and unlock broader institutional participation.
- For the international real estate market: Blockchain-based tokenization facilitated by XRP payments could transform the international real estate market by improving access, transparency, and liquidity across borders. Institutional adoption of XRP could reduce friction in cross-border real estate transactions, potentially increasing market efficiency and integrating global capital flows more seamlessly.
- Regulatory context and XRP valuation: This integration coincides with key regulatory decisions expected in October 2025 (SEC rulings on XRP ETFs and Ripple’s national bank charter), which will further shape XRP’s legitimacy and institutional adoption levels. Positive regulatory outcomes could amplify the impact on XRP and XRP Ledger assets like REAL Token, while unfavorable outcomes could temper enthusiasm.
The integration of the REAL token is expected to free up thousands of billions of dollars in institutional capital. As of current, the market capitalization of the REAL token is estimated at $100 billion. The scarcity of REAL tokens could potentially cause a supply shock before the August 18 integration.
Investors may compete for the first positions before the integration, potentially increasing demand and market volatility. Analysts predict a potential price increase for the REAL token, up to $998.90 in an uptrend.
The XRP register infrastructure complies with regulatory standards and allows institutions to automate liquidity management and compliance. This integration signals that traditional financial institutions are adopting blockchain technology. If the Federal Reserve were to adopt XRP, it could potentially set a precedent for other financial institutions.
The goal of the REAL token project is to reach thousands of billions of dollars by 2030. By offering potential for the immediate settlement and transfer of tokenized real estate assets, the REAL token is designed for the digitalization of the international real estate market. Tokenization of real estate is transforming the sector, enabling fractional ownership, increased liquidity, and access to global investors.
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