Ripple Raises $500M at $40B Valuation to Scale RLUSD, Prime With Fortress, Citadel

• Ripple secured a $500 million strategic investment at a $40 billion valuation led by Fortress and Citadel, confirming institutional trust in its 2025 growth plan.
• RLUSD reached a $1 billion market cap in under a year and now powers Ripple Payments and Ripple Prime, strengthening liquidity for institutions.
• XRP traded around $2.30 and stayed above the $1.94 accumulation zone, keeping bullish analyst targets alive for the next breakout.

Ripple announced on Nov. 5, 2025 that it secured a $500 million strategic investment that values the company at $40 billion, locking in the same level reached in its recent $1 billion share repurchase. 

The round was led by funds managed by affiliates of Fortress Investment Group and Citadel Securities with participation from Pantera Capital, Galaxy Digital, Brevan Howard and Marshall Wace. This shows large financial institutions want exposure to Ripple’s payments, stablecoin and prime products rather than waiting for public market access. This gives Ripple fresh capital and strong partners for its expansion.

Institutional Capital Is Backing Ripple’s New Product Stack

CEO Brad Garlinghouse said the investment validates Ripple’s momentum and the size of the market it is targeting. He said the company started in 2012 with payments and now operates custody, stablecoins, prime brokerage and treasury management for institutions. The shift explains why investors who entered the tender wanted to stay on the cap table. This tells the market that Ripple is now seen as an institution facing crypto operator, not just a remittance startup. This supports a higher quality investor base for future raises.

In the last two years Ripple completed six acquisitions, including two deals above $1 billion, to plug gaps across payments, custody and stablecoin tooling. One of those was the purchase of Rail, which added stablecoin infrastructure to Ripple Payments so the company can deliver end to end cross border transactions using XRP and Ripple USD. This means the fresh $500 million lands on top of an already expanded platform that is ready to scale. This prepares Ripple to serve larger volumes without adding intermediaries.

Payments And Stablecoin Lines Are Growing At Enterprise Pace

Ripple said its payments network has now processed more than $95 billion and that it holds 75 regulatory licenses worldwide, which lets the company move money directly for clients. That reach cuts out extra banks, lowers friction and helps institutions manage liquidity on and off chain. This kind of scale is exactly what strategic investors want in 2025. This keeps Ripple ahead of smaller cross border platforms.

Related: Ripple’s $900M RLUSD Stablecoin to Be Deployed for Humanitarian Aid

The company also confirmed that RLUSD, its stablecoin, crossed a $1 billion market cap in less than one year. RLUSD is already being used as collateral inside Ripple Prime, the institutional venue built from the Hidden Road acquisition, where average daily transactions now exceed 60 million and client collateral has doubled. Ripple said it is entering collateralized lending for XRP to support institutions trading XRP based products. This makes the $500 million raise look like growth fuel for products that already have demand.

XRP Price Holds Support While Analysts Track Higher Targets

While Ripple continues its record-breaking growth, XRP has traded at $2.28, rising 4.92% in the past 24 hours. Market data shows XRP’s market cap standing at $137.2 billion with 60 billion tokens in circulation.

According to EGRAG CRYPTO, XRP remains in a powerful accumulation phase above $1.94. The analyst maintains targets of $10 in the short term and up to $50 if long-term symmetry unfolds. He argues that the market is consolidating before a possible breakout, signaling potential upside if support levels hold firm.

Related: XRP Bull Run Builds as Ripple Prime Debuts, With RLUSD Custody at BNY Mellon