XRP Begins to Reshape Global Finance? A Shocking Roadmap Until 2026

The XRP community once again supports its project as @sprauy announces an ambitious timeline, outlining Ripple's potential roadmap for the rest of 2025 – and beyond. The article, which quickly went viral on Crypto Twitter, provided a detailed, stage-by-stage analysis of what could become a global financial reconstruction driven by XRP. From regulatory clarity to listing organizations and approving ETFs, this roadmap places XRP at the center of a significant shift in how currencies, debts, and commodities move within the global financial system.

July 2025: Legal Closure & Digital Rail Goes Into Operation According to Sprauy, Phase 1 has been implemented. In July, the lengthy legal battle between Ripple and the SEC is said to have come to a conclusion. The formal termination of the contract and the submission of the memorandum marked the end of the litigation. At the same time, the Genius Act was signed into law, activating new Treasury Digital Asset Rails. These rails are designed to provide national-level liquidity to blockchain – and XRP is at the center. August–September 2025: Public Confirmation and Clarification of Regulations Phase 2 will focus on public confirmation. Ripple or the SEC is expected to confirm the closure of the case in August, thereby assuring the broader market – including the media and investors – that XRP is no longer legally threatened. Then, in September, Phase 3 will take place: The Transparency Act is expected to be signed by President Trump, officially classifying XRP as a non-security asset. This legal shield will pave the way for XRP to be used in ETFs, pension funds, and national investment funds. Even bigger? The launch of RLUSD – a digital dollar supported by the Department of the Treasury, operating on the XRP platform. This new stablecoin aims to tokenize the US public debt for global deployment, enabling real-time cross-border payments without relying on foreign exchange and without intermediaries. Q3 2025: Starting the Integration Process of the Organization With legal clarity, Phase 4 will officially launch. Banks, asset management companies, and payment networks like SWIFT are expected to begin integrating XRP infrastructure. This means that ETF funds, cross-border payment organizations, and capital markets may finally start using XRP legally and publicly. Institutional capital will be given the green light for large-scale deployment – a scenario that the XRP community has been waiting for for many years. November 2025: Liquidity Soars & Gold Tokenization Phase 5 marks the beginning of a broader liquidity injection. The Liquidity Center and the Liquidity corridors at the request of (ODL) of Ripple will be expanded significantly. This stage also introduces a futuristic concept: the meeting between tokenized U.S. government bonds and tokenized gold. According to Sprauy, this is the moment when gold can be re-evaluated, creating a stable financial layer based on trust with XRP at its core. December 2025: ETF Approval and the End of Underlying Liquidity In Phase 6, XRP ETFs have finally become a reality. Spot ETFs and index ETFs will allow traditional investors to access XRP, thereby further boosting demand and price discovery capabilities. Meanwhile, the so-called "Tether & Shadow Bank endgame" is underway. Foreign liquidity is blocked by the Genius Act and the Clarity Act combined to force capital into managed funds that comply with government regulations - in which RLUSD and XRP are core components. Q1 2026: The Final Form of XRP? If everything goes according to plan, Phase 7 will begin early next year, leading to what Sprauy calls the Global Financial Reset. XRP becomes the reserve currency of the worldXRPL develops into a new global financial systemRipple transforms into a new Fed and World BankXDC emerges as the backbone of global trade finance This is certainly an ambitious vision. But whether you are a skeptic or a believer, one thing is clear: The roadmap for XRP is not just limited to cryptocurrency. It aims to rebuild the foundations of modern finance.