Ripple President Monica Long has identified 2026 as a pivotal year for institutional adoption of XRP, marking a strategic shift towards deeper integration with financial sectors. Speaking at the XRP Community Day virtual event, Long emphasized that the full impact of this adoption phase will be evident by December 31, 2026. Institutions are already utilizing XRP for settlements, treasury management, and foreign exchange bridging, with demand for XRP ETFs driving cumulative net inflows past $1.23 billion. Ripple is actively laying the groundwork for this adoption, highlighting the evolution of the XRP Ledger into a financial infrastructure for institutions. The company is supporting the XLS-66 initiative to introduce a native lending framework on the XRPL, allowing institutional clients to earn yield on XRP holdings. Additionally, Ripple's rebranding of Hidden Road to Ripple Prime aims to integrate XRP into collateral and liquidity operations, further positioning the token at the center of institutional financial activity. The recent partnership with Aviva Investors to launch regulated investment funds on XRP's blockchain underscores Ripple's commitment to expanding institutional use of XRP.