Home » Crypto & Blockchain » Coins » XRP » Could Central Banks Quietly Be Testing XRP For Settlement?
Several central banks have explored Ripple’s technology in private trials, but clear proof of them using the XRP token for settlement is still limited.
As more countries test central bank digital currencies (CBDCs), attention has turned to Ripple and its XRP token. Some central banks are already experimenting with Ripple’s technology to improve settlement speed and reduce cross-border costs. 
However, public evidence that they are using the XRP token itself for settlement remains scarce.
A few central banks have confirmed pilots using Ripple’s technology. Bhutan’s Royal Monetary Authority partnered with Ripple in 2021 to test a digital ngultrum, and Palau announced a similar collaboration in 2023. 

In Europe, reports in mid-2025 mentioned experimental projects using Ripple-based systems for tokenized settlements in closed environments. These pilots focus on CBDC infrastructure and liquidity testing, not necessarily the XRP token on the public ledger. 
So far, no central bank has confirmed actual settlement using XRP, suggesting most testing happens on private or permissioned networks.
RECOMMENDED: XRP Joins S&P Digital Markets 50 – What’s Next for Crypto in 2025

XRP offers instant settlement, low fees, and strong liquidity features, making it appealing for testing faster cross-border payments. It can act as a bridge between different currencies or CBDCs, reducing the need for banks to hold large reserves in foreign accounts. 
Ripple’s focus on enterprise and stablecoin solutions, such as RLUSD, supports this concept of connected payment corridors. Still, central banks usually test these systems privately first. 
While XRP’s technical design fits many settlement needs, the lack of public confirmation suggests regulators are moving carefully before wider adoption.
RECOMMENDED: Will XRP Hit $5? Three Scenarios for the 2025 Bull Run
Most central banks prefer private ledgers that meet strict security and compliance standards. Regulation also limits public token use in official settlements. Real adoption would become clear only if a central bank runs a live pilot on the public XRP Ledger, names XRP in official documents, or publishes audited transaction results showing token-based settlement activity.
RECOMMENDED: 5 Major Companies Quietly Acquiring XRP
Ripple’s technology appears in several central-bank projects, but proof of XRP being used for real settlement is missing. Future public pilots or disclosures could reveal how close adoption truly is.
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Evernorth Holdings Inc., a Ripple-backed digital asset venture, announced on October 20, 2025, plans to go public on Nasdaq through a merger with special-purpose acquisition company (SPAC) Armada Acquisition Corp II (ticker: AACI).
The deal is expected to raise over $1 billion in gross proceeds and close in Q1 2026, subject to regulatory and shareholder approvals. The primary goal is to create the world’s largest publicly traded institutional XRP treasury, focusing on accumulating and managing XRP—the native token of the XRP Ledger, currently the fifth-largest cryptocurrency by market cap around $150 billion as of October 21, 2025.
The raise includes:$200 million from Japan’s SBI Holdings. Investments from Ripple Labs, Rippleworks, Pantera Capital, Kraken Ventures, GSR Markets, and Ripple co-founder Chris Larsen.
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Most net proceeds after operational costs will fund open-market XRP purchases to build a resilient treasury. This positions Evernorth as a regulated vehicle for institutions to gain liquid exposure to XRP, blending traditional finance (TradFi) strategies like lending with decentralized finance (DeFi) yields.
Asheesh Birla, former Ripple executive and board member stepping down from Ripple’s board to lead Evernorth. Ripple CEO Brad Garlinghouse, General Counsel Stuart Alderoty, and CTO David Schwartz.
Beyond passive holding, Evernorth aims to grow XRP per share via liquidity provisioning, staking, and tokenized asset integration. It will run XRP validators and incorporate Ripple’s RLUSD stablecoin for DeFi.
Birla emphasized: “Evernorth is built to provide investors more than just exposure to XRP’s price… while supporting XRP’s utility and adoption.” This move aligns with Ripple’s push for XRP in corporate treasuries, following its $1 billion acquisition of GTreasury last week to target the multi-trillion-dollar treasury market.
XRP surged past $2.50 on October 20 up from a dip below $1.90, with $73.9 million in ETP inflows and 25% volume spike. Under a crypto-friendly U.S. administration, this signals accelerating institutional adoption. XRP discussions on X exploded, with over 317,500 large-holder wallets at record highs.
Similar to Ethereum-focused treasuries (e.g., SharpLink’s $3.5B ETH hoard), but Evernorth targets XRP’s strengths in payments and remittances.
XRP Ledger (XRPL) is a decentralized, open-source blockchain designed for fast, low-cost transactions, primarily for payments and remittances. Validators play a critical role in its operation, ensuring the network’s integrity and consensus.
Validators are nodes computers in the XRP Ledger network that participate in the consensus process to validate and agree on the order and validity of transactions. Unlike Bitcoin or Ethereum, which use proof-of-work or proof-of-stake, XRPL uses the XRP Ledger Consensus Protocol (a variant of Practical Byzantine Fault Tolerance).
This allows for rapid transaction confirmation (3-5 seconds) and high throughput (up to 1,500 transactions per second). Validators collect proposed transactions, verify their correctness (e.g., sufficient funds, valid signatures), and vote to reach consensus on which transactions to include in the ledger’s next state.
Ripple publishes a default UNL, but operators can customize their lists, promoting decentralization. Overlap in UNLs ensures network agreement, but diversity prevents centralized control.
Running a validator is lightweight, requiring modest hardware (e.g., a server with 8GB RAM, 100GB SSD) and a stable internet connection, making it accessible for institutions like Evernorth. Validators must be reliable and secure, as malicious or faulty validators could disrupt consensus if they dominate a UNL.
Evernorth, as mentioned in the context of its $1B raise for an XRP treasury, plans to operate XRPL validators. This aligns with its goal to actively manage its XRP holdings and support the ecosystem. Running validators allows Evernorth to contribute to XRPL’s governance, ensuring transaction reliability and network uptime, which enhances XRP’s credibility for institutional adoption.
By validating transactions, Evernorth reinforces XRP’s utility in payments and DeFi, potentially increasing its treasury’s value through broader adoption. Validators don’t earn XRP, but Evernorth’s participation could yield indirect benefits, like signaling commitment to investors and enabling DeFi strategies.
More validators, especially from diverse entities like Evernorth, reduce reliance on Ripple or any single party, strengthening XRPL’s resilience. Validators enable XRPL’s high transaction throughput, critical for its use in global payments via RippleNet’s cross-border transfers.
For Evernorth’s treasury, running validators signals a long-term commitment to XRPL, reassuring investors about XRP’s stability and utility. Ripple has reduced its share of trusted validators to under 10%, per Ripple’s Q3 2025 report, countering earlier centralization critiques.
By joining as a validator, Evernorth adds institutional credibility, especially under a crypto-friendly U.S. regulatory environment, potentially boosting XRP’s market perception (XRP recently hit $2.50, with 317,500 large-holder wallets).
As a public company post-SPAC, Evernorth’s validator operations may face SEC or global regulatory oversight, especially if tied to DeFi. Validator effectiveness relies on a robust UNL. Poorly chosen peers could risk consensus failures, though XRPL’s design mitigates this.
This development could catalyze XRP’s integration into capital markets, but as with all crypto ventures, outcomes depend on execution and macro factors like Fed policy.
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Crypto News Today, October 23: We Are So F-ing Back! Bitcoin BTC USD Price Back to $110K, ETH, XRP, SOL Follow  99Bitcoins
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The broader crypto market slumped by 3.17% to $3.66 trillion in the past day, extending its weekly loss to 7.19%. Amid this downtrend fueled by macro economics issues, the Fear and Greed Index rose to 33, signifying growing investors’ interest to buy the dip in anticipation of a market rebound.
Meanwhile, top assets like Cardano (ADA) and Ripple (XRP) are already showing resilience after gaining in the past 24 hours.
Consequently, savvy investors looking to bolster their portfolio have identified Avalon X (AVLX), a crypto backed by real estate, as the ideal investment choice. This RWA-based asset is backed by strong institutional support, utility-driven rewards, and access to the multi-trillion dollars real estate sector.
Experts believe this crypto backed by real world assets is on the pathway to become one of the best crypto to buy in 2025 for massive gains.
Cardano, currently selling for $0.64, has gained 1.7% in the past day amid market downtrend. A key driver to this resilience is the recent Cardano news stating that the Cardano’s governance community is about to approve a $50 million liquidity injection.
This action aimed at strengthening the network’s growing stablecoin ecosystem will make Cardano more competitive against rival ecosystems and drive prices upwards.

According to technical analysis, the Cardano price is currently bearish as it trails under the 50-day SMA value of $0.77. Meanwhile, the asset has currently met resistance at the 50% Fibonacci retracement value of $0.65.
Analysts believe if the recent news proposal goes through, the asset could break through, leading to a Cardano price prediction of $0.70 in the near future.
Similar to Cardano, XRP has gained $1.61 in the past day despite broader market downtrend. At press time, the XRP price usd at $2.42 has seen a 11.7% increase in daily trading volume, signifying rising investors’ interest.

Meanwhile, the technical analysis shows that the XRP price is still bearish. At the same time, the asset is currently trying to break through the resistance at the 50% Fibonacci retracement value of $2.44.
A key driver to pushing through is the recent XRP news stating that Ripple has announced a $1 billion XRP Treasury initiative designed to improve liquidity management.
While Cardano and XRP fundamentals drive optimism, many investors who are aware of their volatility are shifting focus towards real-world assets and Avalon X crypto has emerged as a frontrunner.
Avalon X has announced itself as one of the best new crypto launches in 2025, thanks to its mission of fractionalizing the real estate industry with blockchain-based utility tokens.
The project is developed in partnership with Grupo Avalon, a property developer situated in the Dominican Republic with a nearly $1B project pipeline value. To access the Avalon X ecosystem, the native Avalon X token backed by a CertiK-audited smart contract and a deflationary token model serves as the gateway.
As a result, investors holding the AVLX coin can enter the Avalon X giveaway program and access a $1M crypto giveaway and a luxurious crypto townhouse giveaway located in the exclusive Eco Avalon development.
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Keep in mind that the Avalon X real estate crypto is also running a referral program bonus along with an extra 10% in tokens for early token buyers. However, these incentives are only available for a limited time.
The Avalon X presale is selling out rapidly with more than 52 million AVLX tokens already sold. The real estate tokenization crypto has already entered its presale Stage 2 in which investors can still get it at a modest price of $0.01 each per token.
However, there is no time to waste as early investors who took part in Stage 1 enjoyed a 100% ROI. Coupled with anticipated listings on top tier exchanges like Binance and Uniswap, Avalon X is emerging as one of the best RWA tokens in 2025. This is the ideal time to get your AVLX tokens before the next price surge.
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Washington Lottery Powerball, Cash Pop results for Oct. 22, 2025  Yahoo
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Nkechi Blessing Joins Hallelujah Challenge, Prays For Women Trying To Conceive  gistlover.com
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The cryptocurrency world is buzzing with activity as Ethereum ETFs gain traction, sending waves throughout the market. Investors are closely monitoring altcoins like Solana, Cardano, and Chainlink, which appear ready for a significant upswing. However, amid this excitement, a practical trend is emerging: businesses are increasingly opting for stablecoin payroll solutions, fundamentally changing how salaries are disbursed in this digital era. Let’s delve into how Ethereum’s rise correlates with the growing acceptance of crypto payroll platforms, and what this might mean for the economic landscape ahead.
Ethereum ETFs are altering the market dynamics, instilling confidence in both institutional and retail investors. These ETFs offer regulated exposure to Ethereum, attracting traditional investors who previously shied away from direct crypto ownership due to concerns over complexity or regulation. This influx of capital adds liquidity and stability not just to Ethereum, but also to its ecosystem, which supports many stablecoins.
The clarity provided by Ethereum ETFs legitimizes Ethereum as a viable asset class, influencing stablecoins that are either built on Ethereum or operate on interoperable blockchains. This regulatory acceptance lowers the barriers for fintech startups to implement stablecoin solutions, including payroll systems. Thus, the rise of Ethereum ETFs isn’t confined to Ethereum; it extends to the broader crypto ecosystem, impacting altcoins like Solana, Cardano, and Chainlink.
Solana (SOL) is capturing the attention of both retail and institutional investors, especially after dipping below $180. This is seen as a buying opportunity, with many targeting $250 as the next milestone. Analysts suggest a possible “W” reversal pattern, a technical formation often associated with price recoveries. This setup, coupled with recent ETF inflows into Solana-based products, has bolstered confidence in the altcoin’s potential to regain traction.
Additionally, Solana’s infrastructure is well-suited for stablecoin payroll solutions, enabling faster and cheaper cross-border payments. As institutional demand remains robust, SOL products have seen nearly $3 billion in inflows this year, indicating that buyers are positioning themselves early for a rebound. If ETF approvals materialize, Solana could lead the market-wide movement, securing its spot among top altcoins for a substantial recovery.
Analysts are forecasting a substantial upswing for Cardano (ADA). Though its current price is at $0.63, predictions suggest ADA could soar to $2.96, representing a 333% rally. Cardano has demonstrated a consistent uptrend since breaking its long-term descending trendline, indicating a healthy market structure.
As Cardano continues to evolve, its potential for incorporating stablecoin payroll solutions grows increasingly relevant. Its robust governance and scalability make it an attractive option for businesses aiming to adopt crypto payroll systems. With the Ethereum ETF hype permeating the market, ADA remains firmly positioned as a candidate for significant recovery.
Chainlink (LINK) is regaining attention as large investors and institutions circle back to the project. Despite a short-term dip, the filing of Chainlink ETFs by Grayscale and Bitwise could pave the way for regulated exposure to the asset. This move could herald a new wave of demand, reminiscent of the effects of Bitcoin ETF approvals.
Chainlink’s collaborations with major financial institutions like SWIFT and ICE underscore its utility in integrating real-world assets. As institutional activity intensifies, LINK stands out among the top altcoins for a significant recovery in this cycle. Furthermore, Chainlink’s technology can facilitate B2B crypto payment platforms, positioning it as a pivotal player in the evolving landscape of crypto payroll solutions.
Amidst the ETF excitement and market fluctuations, MAGACOIN FINANCE has emerged as an altcoin worthy of attention. Analysts have placed it among the top altcoins to consider before the next bullish phase, with its price consistently climbing every hour — no dips, just steady growth. Over 21,000 investors are already onboard, and chatter is increasing about its upcoming CEX listing.
As supply tightens, scarcity is becoming a reality, fueling FOMO among early participants seeking hedge and diversification options. MAGACOIN FINANCE’s potential as a stablecoin payments platform makes it an appealing choice for businesses exploring crypto payroll solutions.
Market sentiment is shifting as ETF developments reshape the landscape. Traders looking for the best altcoins to consider for a significant recovery are closely monitoring Ethereum, Solana, Cardano, Chainlink, and MAGACOIN FINANCE. As prices begin to stabilize, the rise of stablecoin payroll solutions is set to transform how businesses manage salaries in this digital age. The future of finance is upon us, fueled by the intersection of Ethereum ETFs and the growth of crypto payroll platforms.

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6 tips to handle holiday family stress with confidence  MultiCare
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The Missouri Lottery offers several draw games for those aiming to win big. Here’s a look at Oct. 22, 2025, results for each game:
18-37-52-54-60, Powerball: 12, Power Play: 2
Check Powerball payouts and previous drawings here.
Midday: 0-5-8
Midday Wild: 6
Evening: 2-1-0
Evening Wild: 8
Check Pick 3 payouts and previous drawings here.
Midday: 1-6-3-6
Midday Wild: 4
Evening: 1-3-0-9
Evening Wild: 7
Check Pick 4 payouts and previous drawings here.
04-32-44-47-54, Cash Ball: 02
Check Cash4Life payouts and previous drawings here.
Early Bird: 09
Morning: 10
Matinee: 15
Prime Time: 05
Night Owl: 07
Check Cash Pop payouts and previous drawings here.
11-17-20-27-29
Check Show Me Cash payouts and previous drawings here.
23-37-43-60-64, Powerball: 05
Check Powerball Double Play payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
All Missouri Lottery retailers can redeem prizes up to $600. For prizes over $600, winners have the option to submit their claim by mail or in person at one of Missouri Lottery’s regional offices, by appointment only.
To claim by mail, complete a Missouri Lottery winner claim form, sign your winning ticket, and include a copy of your government-issued photo ID along with a completed IRS Form W-9. Ensure your name, address, telephone number and signature are on the back of your ticket. Claims should be mailed to:
Ticket Redemption
Missouri Lottery
P.O. Box 7777
Jefferson City, MO 65102-7777
For in-person claims, visit the Missouri Lottery Headquarters in Jefferson City or one of the regional offices in Kansas City, Springfield or St. Louis. Be sure to call ahead to verify hours and check if an appointment is required.
For additional instructions or to download the claim form, visit the Missouri Lottery prize claim page.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Missouri editor. You can send feedback using this form.

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XRP price is trading at $2.40 on October 22, reflecting a 23% drop from its highest point this month. The token has fallen 35% from its year-to-date high as the broader crypto market faces downward pressure.
The token is currently trading below all moving averages. The bearish momentum has been consistent in recent sessions.
Despite the recent decline, technical analysis reveals a potentially bullish formation on the four-hour chart. The price action shows an inverse head-and-shoulders pattern taking shape
This classical pattern consists of three distinct parts. The head sits at $2.20, representing the lowest point of the formation.
The left shoulder formed at $2.32. The right shoulder is currently in development as traders watch price movements closely.
The pattern includes a slanted neckline connecting the highest swings since October 13. This neckline serves as a key resistance level for any potential breakout.
The REX-Osprey XRP ETF (XRPR) has achieved a major milestone by surpassing $100 million in assets. The fund launched on September 18 and has seen steady growth.
Data from ETF.com indicates the fund has recorded inflows every single day since launch. These inflows continued even during the recent crypto market downturn.
The consistent demand from Wall Street investors demonstrates ongoing interest in XRP exposure. The fund’s performance may signal future success for other planned XRP ETFs.
Franklin Templeton and Bitwise have submitted applications for spot XRP ETFs. These products await approval from the Securities and Exchange Commission.
The Ripple USD (RLUSD) stablecoin has reached $874 million in total assets. The stablecoin is approaching the $1 billion threshold.
This growth reflects increasing activity on the XRP Ledger network. More stablecoin adoption typically indicates higher network usage and transaction volume.
If XRP breaks above the neckline, the price could reach $2.55. This level represents the highest point on October 20.
A move above $2.55 would open the path to $2.69. This target matches the lowest swing from September 22.
However, a drop below the left shoulder at $2.32 would cancel the bullish setup. Such a move could send the price down to the head level at $2.18.
The 100-hourly Simple Moving Average sits above the current price. This indicator is acting as resistance in the short term.
The MACD indicator shows momentum in the bearish zone. The RSI has fallen below the 50 level, indicating weak buying pressure.
Key support levels are located at $2.32 and $2.27. The main resistance zones sit at $2.42 and $2.50.
The price recently broke below a bullish trend line with support at $2.32. This break occurred on the hourly chart and added to the bearish pressure.
Bulls pushed the price above $2.50 during a recovery attempt from the $2.25 base. However, sellers became active near $2.55 and pushed the price back down.
The XRPR ETF has accumulated $100 million in assets within just over one month of trading.
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TLDR Cardano ranks second globally in community support with 88% of votes being bullish, trailing…

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