Nobody understands how big this Singapore move really is for XRP.
Everyone reads “license expansion” and scrolls.
In reality, this is the kind of structural shift you need if you ever want to talk about four and five digit XRP in a straight face macro model.
Here is the logic.
Ripple just received expanded approval from the Monetary Authority of Singapore, upgrading its Major Payment Institution license so it can run full end to end digital token payment flows in Singapore. That includes fund collection, custody and holding, token swaps, and payouts for institutional clients, using assets like XRP and RLUSD.
Singapore is not just another market, it is Ripple’s APAC headquarters since 2017 and is treated internally as a pivotal global hub. MAS now recognises Ripple Markets APAC as one of the very few blockchain firms allowed to operate a regulated digital payment token stack at scale.
Put simply, Ripple can now
• onboard banks, fintechs and crypto companies in Singapore
• use XRP and RLUSD in fully regulated cross border payment flows
• handle the full lifecycle of those flows inside its own infrastructure
This is not speculative usage, this is licensed usage.
Now connect that to what is already in flight.
DBS and Franklin Templeton are issuing and trading tokenised money market funds on the XRP Ledger in Singapore, paired directly with Ripple’s RLUSD stablecoin for trading, lending and collateral. Franklin’s sgBENJI fund is issued on XRPL, listed on DBS Digital Exchange, and swappable against RLUSD in Singapore’s regulatory perimeter.
You have
• tokenised funds issued on XRPL
• a dollar stablecoin (RLUSD) on XRPL
• a bridge asset (XRP) on XRPL
• a fully licensed payment stack in Singapore that can legally connect all of these for institutions
Add to that Ripple’s other moves this year
• acquisition of Hidden Road, now Ripple Prime, a multi asset prime broker clearing 3 trillion dollars a year for more than 300 institutions
• acquisition of GTreasury, giving Ripple direct reach into global corporate treasury workflows and cash management
You are looking at a single integrated machine that can
originate flows in corporate treasuries
pipe them through Ripple Prime
settle them on XRPL
route liquidity through XRP and RLUSD
and do it from a fully regulated hub in Singapore that services the entire Asia Pacific region.
If XRP ever trades at ten thousand dollars, it will not be because of memes or charts.
It will be because
• multi trillion dollar treasuries are managing liquidity through XRPL
• tokenised funds, stablecoins and real world assets are settling on XRPL
• hubs like Singapore are clearing huge percentages of global trade, remittances and asset flows through licensed digital payment infrastructures that use XRP as a neutral bridge.
This MAS decision is one of those quiet foundation stones.
Regulators just gave Ripple permission to turn Singapore into the XRP and RLUSD liquidity switchboard for Asia.
Price will not move in a straight line, and nothing is guaranteed, but if you are building a serious path to extreme valuations, this is exactly the kind of regulatory and structural win you need on the way to an XRP that settles a meaningful slice of a 100 plus trillion dollar global value flow.