Institutional adoption of XRP is accelerating as leading Japanese and U.S. firms deepen their commitments to the digital asset. Tokyo-based game developer and crypto strategy company Gumi Inc. (Tokyo Stock Exchange Prime: 3903) announced on Oct. 21 that it invested $5 million in Evernorth Holdings Inc., a U.S. company building an XRP treasury business. The announcement followed Evernorth’s unveiling of its Nasdaq listing plans under the ticker XRPN, as well as SBI Holdings Inc.’s separate $200 million investment in the same initiative. It also came on the heels of Ripple Labs Inc. executives expressing a unified and increasingly bullish outlook for XRP’s role in institutional finance and decentralized markets.

Evernorth CEO Asheesh Birla stated on social media platform X earlier this week: “I’m proud to share that we’ve launched Evernorth, a first-of-its-kind institutional vehicle built to accelerate XRP adoption. With over a decade of uptime and a rapidly growing DeFi ecosystem, XRP is well-positioned for adoption — and Evernorth is built to meet that moment.” He added:

XRP represents a rare opportunity: one of the few digital assets with clear U.S. regulatory standing, deep liquidity, and a proven role in powering global payments.

His comments were echoed by Ripple CEO Brad Garlinghouse, who said: “We are proud to partner with him — and proud to join an incredible set of investors including SBI Holdings, Pantera Capital, Kraken, GSR and Rippleworks, to support Evernorth as it participates in institutional lending, liquidity provisioning, and DeFi yield opportunities for XRP.”

Ripple Co-founder Chris Larsen described Evernorth as “the missing link today in XRP capital markets,” while Chief Technology Officer David Schwartz emphasized that the company “was founded as a regulated, scalable investment vehicle to tap into opportunities for XRP in DeFi and capital markets.”

Gumi said its investment in Evernorth is part of its long-term strategy to expand exposure to XRP, which it views as a medium- to long-term growth asset. Evernorth aims to raise more than $1 billion through a private investment in public equity (PIPE), using proceeds to purchase XRP in open markets and build one of the world’s largest public XRP treasuries. The funds will be independently audited to ensure transparency and corporate governance. Gumi previously acquired XRP in August and plans additional purchases through a forthcoming warrant issuance. With Ripple executives, SBI, and Gumi all backing Evernorth’s institutional model, XRP’s evolution from a payments token into a regulated, institutional-grade financial asset appears to be gaining decisive momentum.

• Why is XRP seeing rising institutional adoption?
  Institutional confidence is growing due to its regulatory clarity, liquidity depth, and proven use case in global payments and DeFi markets.
• What role does Evernorth play in XRP’s expansion?
  Evernorth is creating a regulated XRP treasury platform designed to accelerate adoption among financial institutions worldwide.
• How does Gumi’s investment impact XRP’s future?
  Gumi’s $5 million stake strengthens XRP’s institutional narrative and aligns with Japan’s broader blockchain integration strategy.
• What is the long-term vision for XRP in global finance?
  XRP aims to evolve from a payments-focused token into a core institutional asset powering decentralized liquidity and capital markets.

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