Ripple's $500 million financing completed in November marks a significant turning point for the company, which had been heavily defined by its years-long legal battle with the U.S. Securities and Exchange Commission (SEC). As legal pressures gradually ease, Ripple is expanding from cross-border payments to a more ambitious crypto-native settlement layer. In this process, the company's repositioning strategy is increasingly attracting large investors from Wall Street.
According to Cointelegraph, this round of financing has valued Ripple at $40 billion, making it one of the highest-valued private companies globally, and attracting an unusually large lineup of institutional investors. Investors include Citadel Securities, Fortress Investment Group, as well as funds associated with Galaxy Digital, Pantera Capital, and Brevan Howard.
New details disclosed by Bloomberg also reveal how Ripple has garnered the interest of these institutions—central to this is the highly protective downside risk trading conditions offered to investors.
According to insiders, these terms allow participating funds to sell their shares back to Ripple after three to four years at an approximately 10% guaranteed annual return. If Ripple goes public during this period, the option becomes void.
Meanwhile, the company also retains the right to repurchase shares during the same period—under this scenario, the annual return for investors is higher, around 25%.
Although Ripple is broadening its business focus, including a significant push into the stablecoin market with the dollar-pegged Ripple USD (RLUSD), some institutional investors still view betting on Ripple as a bet on XRP (XRP), according to Bloomberg.
Two funds participating in this financing concluded that about 90% of Ripple's net asset value is related to XRP, despite the company repeatedly emphasizing that it does not control the token and that XRP operates as an independent asset.
Nevertheless, Ripple is positioning itself as a company capable of providing institutional access to digital assets by combining custody, treasury management, prime brokerage services, and stablecoins.
As part of this strategy, Ripple acquired the non-bank prime broker Hidden Road (now renamed Ripple Prime) in April and acquired the treasury management company GTreasury. These two transactions, totaling approximately $2.25 billion, highlight Ripple's acceleration in building a complete infrastructure system aimed at institutions.
Related: The bullish sentiment for Ripple is rising: What will trigger XRP to break through to $2.65?
Original article: “Ripple's Low-Key Transformation Attracts Wall Street Funds, Valuation Soars to $40 Billion”
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