Ripple’s OpenPayd Move Sparks IPO Rumors, Echoing Circle’s Strategy

Ripple’s OpenPayd Partnership Signals Bold Expansion as IPO Rumors Swirl

Ripple, the company behind XRP, has announced a new partnership with OpenPayd to accelerate global payment solutions, signaling a strategic push deeper into stablecoins and European market expansion. The timing is significant, aligning with growing stablecoin adoption and institutional interest in compliant cross-border transactions.

The move allows Ripple’s Payments service to expand into EUR and GBP corridors using OpenPayd’s infrastructure, including real-time payment rails, virtual IBANs, and multi-currency accounts. Critically, the partnership also includes direct minting and burning of Ripple’s new stablecoin, RLUSD (Ripple USD), offering businesses a seamless gateway between fiat and digital currencies.

Sourrce: X

A Step Toward Stable, Scalable Payments

Through this collaboration, businesses using Ripple can now settle in EUR and GBP with greater efficiency, benefiting banks, fintechs, and crypto exchanges looking for faster, lower-cost cross-border transactions. OpenPayd’s infrastructure plays a pivotal role in this transition, leveraging its robust compliance and fiat rails to deliver smoother conversions and settlements.

A highlight of this deal is the ability for businesses to mint and burn RLUSD directly through OpenPayd, enabling better liquidity management for global treasury operations. With a compliant stablecoin model, RLUSD is designed for high transaction volumes, quick conversions, and scalable business payments, bridging traditional finance and blockchain utility.

Jack McDonald, Senior Managing Director at Ripple, emphasized that this partnership would “scale stablecoin use in real-world business cases,” reflecting Ripple’s ambitions to integrate blockchain solutions within the core of institutional finance.

Ripple Following in Circle’s Footsteps?

Ripple’s partnership with OpenPayd mirrors a move by Circle, the USDC stablecoin issuer, which announced its own partnership with OpenPayd in June 2025. Circle’s deal focused on enabling fast USDC conversions and wallet services for OpenPayd clients, signaling an industry-wide trend toward strengthening fiat-to-stablecoin pipelines for institutional and business users.

The Circle partnership was followed by a major announcement: Circle’s IPO plans to list on the New York Stock Exchange, which generated a significant buzz across crypto and traditional finance sectors.

This has led many in the XRP community to speculate whether Ripple is preparing for a similar move. Although Ripple has not confirmed IPO intentions, crypto influencer Ansem recently posted on X, questioning how XRP would respond if Ripple went public, fueling further anticipation.

Meanwhile, Circle’s CRCL stock has risen 6.20% in a single day, now trading at $192.53, while XRP is trading at $2.19, down 0.56% with a market cap of $129.89 billion and daily trading volume of $2.9 billion, showing the market’s cautious optimism around stablecoin and payment-focused projects.

XRP ETF Approval Adds Fuel to the Fire

Adding momentum to Ripple’s trajectory is the recent approval of the Grayscale XRP ETF by the SEC. This move indicates growing institutional interest in XRP and further validates its potential as a compliant digital asset for large-scale investment products.

An XRP ETF could attract a new wave of institutional capital into XRP, potentially reducing volatility while supporting a long-term growth narrative for Ripple and its token.

Ripple vs. SEC: The Case That Could Shape Crypto Regulation

Amid its expansion efforts, Ripple remains entangled in its high-profile legal battle with the U.S. Securities and Exchange Commission (SEC), a case that has become emblematic of the regulatory challenges facing the crypto industry.

A favorable resolution could set a precedent for other crypto firms, clarifying the legal status of XRP while strengthening Ripple’s position as a leader in blockchain-based payments. However, the outcome remains uncertain, and the case continues to influence investor sentiment and market volatility around XRP.

Building a Future-Ready Payments Network

Ripple’s strategy to integrate stablecoins and expand payments infrastructure in Europe aligns with broader market trends seeking reliable, compliant solutions for cross-border transactions. This move is particularly timely as businesses look for alternatives to traditional banking rails that are often slow and expensive for international transfers.

Source: X

Stablecoins like RLUSD offer a compelling solution, providing the speed and transparency of blockchain while maintaining a stable value, which is critical for business use cases that require predictable transaction settlements.

With OpenPayd’s robust infrastructure, Ripple is positioning itself to capture a growing share of the institutional payments market, expanding beyond its origins as a blockchain-based remittance network to a comprehensive payment and liquidity management platform.

Will Ripple Go Public?

While Ripple has yet to announce any IPO plans, the parallels with Circle’s recent trajectory are hard to ignore. An IPO could provide Ripple with additional capital to expand its services globally, accelerate stablecoin adoption, and reinforce its market leadership in blockchain payments.

Going public would also provide institutional investors with a direct way to gain exposure to Ripple’s business, aligning with the broader trend of crypto firms entering public markets to scale operations and legitimacy.

Market analysts have speculated that should Ripple announce IPO intentions, it could significantly impact XRP’s price action and overall sentiment in the crypto market. Such a move could follow in the footsteps of Strategy (formerly MicroStrategy) and Circle, which have successfully leveraged public markets to fuel crypto-focused strategies.

Conclusion: Ripple’s Aggressive Growth Plan

Ripple’s partnership with OpenPayd, the expansion into European currencies, the launch of RLUSD, and the ongoing speculation around a possible IPO all point to an aggressive growth plan that seeks to bridge the gap between blockchain and traditional finance.

Combined with the recent approval of the Grayscale XRP ETF and the potential positive outcome of the SEC lawsuit, Ripple is positioning itself to capture both institutional and retail interest, reinforcing its role in the evolving digital payments ecosystem.

While challenges remain, particularly on the regulatory front, Ripple’s proactive steps toward expanding its stablecoin and payment services, alongside growing institutional support, suggest that the company is prepared to lead the next wave of blockchain adoption in global finance.

For now, investors and crypto enthusiasts will be closely monitoring Ripple’s next moves, especially in the context of a potential IPO, regulatory updates, and continued institutional interest driven by stablecoins and blockchain payments.

Ripple’s story is still unfolding, but its strategy shows a company ready to adapt, expand, and capitalize on the growing demand for fast, compliant, and cost-effective payment solutions in the digital age.

Writer @Ellena

Ellena is an experienced crypto writer who loves to explore the intersection of blockchain technology and financial markets. She regularly provides insights into the latest trends and innovations in the digital currency space.

 

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