Ripple Strategy Redefined as IPO Speculation Fades and National CBDC Ambitions Accelerate

Ripple has decisively reshaped market expectations by dismissing speculation around an imminent initial public offering, despite commanding a $40 billion valuation and elite Wall Street backing. Although 2025 has reignited enthusiasm for crypto IPOs, Ripple’s leadership has chosen a different path. Instead, President Monica Long has emphasized financial strength, strategic patience, and disciplined private expansion.

Meanwhile, broader momentum continues to build around Ripple’s global ambitions. Notably, Montenegro’s partnership with Ripple to pilot its first national digital currency has intensified debate about XRP’s long-term utility. Consequently, investors increasingly view Ripple as an infrastructure leader rather than a near-term public listing candidate.

Furthermore, Ripple’s strong balance sheet has reduced the urgency to access public markets. Following a $500 million fundraising round led by major institutions, the company has reinforced its ability to self-fund innovation. As a result, management remains focused on acquisitions, product scaling, and real-world deployment.

🚨 Ripple says NO IPO again.

$40B valuation. $500M raised. Billions in acquisitions.
Still choosing to stay private.
Question is simple:
👉 If Ripple is this strong… what are they really waiting for?
IPO fear or strategic power play?

Market deserves answers. pic.twitter.com/a6J6gaoAny

— DEMON (@demontraderr) January 7, 2026

Additionally, Ripple’s aggressive expansion throughout 2025 strengthened its ecosystem. Through multiple high-profile acquisitions and the resolution of its prolonged SEC dispute, the firm consolidated its market position. At the same time, XRP benefited from renewed confidence and expanding use cases.

Ultimately, Ripple continues to prioritize utility over headlines. By advancing stablecoins, tokenized assets, and sovereign digital currency pilots, the company signals long-term vision. Therefore, while IPO chatter persists, Ripple appears committed to building enduring financial infrastructure first.

Key XRP Levels to Watch – January 8

XRP has posted a clear bullish shift in market structure after rebounding strongly from the 1.94770 low. Price action surged above recent highs, confirming a directional change. However, the market has entered a controlled pullback phase, suggesting a potential Return to Order Block. If buyers defend this zone, XRP could prepare for another impulsive move. Importantly, a second market structure shift would reinforce a sustained bullish bias, aligning closely with broader crypto signals.

Ripple Key Levels

Demand Levels: $2.0000, $1.94770, $1.3000
Supply Levels: $2.33850, $2.64790, $3.000

XRP Metrics
Total Market Cap: $3.07T
XRP Market Cap: $126.8B
Volume: $4.28B
XRP Rank: 4

Make money without lifting your fingers: Start using a world-class auto trading solution