In 2025, a notable shift is taking place in the way large corporations manage their treasury reserves. Increasingly, firms are turning to XRP, a digital asset, as a practical and efficient tool for treasury diversification and cross-border payments. This marks a significant change from the traditional perception of cryptocurrencies as purely speculative investments.

Recent data reveals that corporate allocations into XRP have surpassed $470 million this year, reflecting growing confidence in XRP’s ability to offer fast transaction speeds, low costs, and improved liquidity for businesses.

Corporations Integrating XRP into Treasury Reserves

Several publicly listed companies have actively added XRP to their balance sheets, not just as an investment, but as a key part of their financial strategy.

One standout example is VivoPower International PLC, which raised $121 million through private placements. The capital was largely supported by Saudi Prince Abdulaziz bin Turki Al Saud. VivoPower aims to position itself as one of the first enterprises to focus heavily on XRP within its treasury framework.

Similarly, Wellgistics Health, a U.S. pharmaceutical distributor serving over 6,000 pharmacies, secured a $50 million credit line from LDA Capital. The company plans to hold XRP reserves and use the token for payments across its operational network, optimizing its cross-border transactions.

Webus International has also filed with the U.S. Securities and Exchange Commission (SEC) to raise $300 million in debt financing. The goal is to build a treasury reserve of XRP, strengthening the company’s cross-border payment infrastructure.

These examples show that companies from different sectors are increasingly viewing XRP as a reliable liquidity tool and payment medium rather than a speculative asset.

Why XRP Appeals to Corporate Treasuries

XRP offers several advantages that make it an attractive option for treasury diversification:

• Speed of Transactions: XRP transactions settle within 3 to 5 seconds. This rapid settlement contrasts sharply with traditional methods such as ACH or wire transfers, which often take several days.

• Minimal Transaction Costs: The fees for moving XRP typically amount to less than a cent. This low-cost structure can significantly reduce expenses related to international payments.

• Real-Time Settlement and Liquidity: The XRP Ledger supports real-time settlement and can handle complex financial activities, including decentralized finance (DeFi) applications.

• Corporate Efficiency and Diversification: Holding XRP enables firms to diversify treasury assets, reducing reliance on slower traditional financial systems and enhancing payment operation efficiency.

• Regulatory Progress: As XRP gains more visibility and regulatory clarity improves, more corporations feel comfortable integrating it into their treasury management.

Building Financial Services Around XRP

Beyond simply holding XRP as a treasury asset, firms are building financial services that leverage its unique characteristics. For example, Hyperscale Data, via its subsidiary Ault Capital Group (ACG), plans to acquire up to $10 million in XRP in 2025. ACG is preparing to offer an XRP-based lending platform designed to provide on-chain loans to public companies.

This lending service will utilize the XRP Ledger’s fast settlement capabilities, allowing companies to access funds more quickly than through traditional banking channels. To manage risk, these loans will be hedged with XRP futures contracts traded on the CME.

Expanding Ecosystem and Practical Use Cases

XRP’s ecosystem is evolving, adding to its appeal for institutional users. The token is now tokenized on the Base network, known as cbXRP, and has been integrated into cross-chain liquidity pools such as THORSwap.

Notably, the Dubai Land Department selected XRP to tokenize real estate titles, showcasing its practical utility beyond just currency transfer. These developments highlight XRP’s growing footprint in real-world applications, especially in areas that benefit from its speed and low costs.

The Importance of ETF Approval

A critical factor that could accelerate XRP’s adoption in corporate treasuries is the potential approval of XRP exchange-traded funds (ETFs). WisdomTree’s XRP Trust is currently under review by the SEC, with a decision expected by early 2026.

If approved, XRP ETFs would provide a regulated and accessible way for corporations and institutional investors to gain exposure to XRP. This would likely lead to a broader acceptance of XRP in treasury management and institutional portfolios. Other firms, including Bitwise, Canary Capital, and 21Shares, are also pursuing similar XRP-based financial products, which signals strong institutional interest.

Implications for Corporate Treasury Strategies

The move toward incorporating XRP in treasury reserves reflects a broader trend toward digital asset adoption in corporate finance. Corporations are constantly seeking ways to improve liquidity, reduce transaction costs, and streamline international payments.

XRP’s fast settlement times and minimal fees make it an ideal candidate for addressing these challenges. Additionally, its growing ecosystem and regulatory progress further support its role in corporate treasury strategies.

With more companies holding XRP and financial services built around it, the token is set to become an essential part of corporate liquidity management and cross-border payment infrastructure.

Conclusion

In 2025, XRP is increasingly being recognized as a valuable treasury tool by major corporations. Over $470 million has been allocated to XRP reserves by companies like VivoPower, Wellgistics, and Webus International. Meanwhile, innovative financial services, such as the XRP lending platform planned by Hyperscale Data, are expanding the practical use of the token.

As regulatory clarity improves and ETFs potentially enter the market, XRP’s role in corporate finance is likely to grow even stronger. For corporations seeking faster, cheaper, and more efficient treasury management solutions, XRP is quickly becoming a preferred choice.