XRP is aligning with the US Treasury's objectives to modernize payment systems, according to crypto analyst Levi Rietveld. The Treasury, under Secretary Scott Bessent, is focusing on regulatory measures to eliminate barriers to innovative financial tools. XRP's attributes of fast, transparent settlement and low costs make it ideal for institutional use, particularly in cross-border transactions. Ripple's solutions enable banks to utilize XRP as an intermediary asset, enhancing efficiency in financial operations. In 2025, the approval of multiple Spot XRP ETFs led to $1.14 billion in inflows. Bloomberg projects that up to $7 billion in liquidity could enter the XRP and broader crypto markets by 2026, reflecting growing institutional interest.