XRP has been integrated with Apple Pay and Google Pay across more than 40 countries, marking a significant advancement in cryptocurrency adoption. This integration allows platforms such as Trust Wallet, Uphold, and Swapped to facilitate seamless XRP purchases through card-linked transactions, enhancing accessibility for retail investors and reducing market friction. Uphold's Q4 2025 data reveals that 67.87% of its users purchased XRP in November, compared to 36.15% who sold, indicating a rising retail demand. This development follows Ripple's legal victory over the SEC in August 2025 and its acquisition of Hidden Road, which has bolstered institutional confidence in XRP. The XRP Ledger's efficient transaction capabilities further position it as a strong alternative to traditional systems like SWIFT, which is also planning digital asset trials.