Quick reminder: We’ve never been in a better position heading into a new year.

Some thoughts from my side;

We have moved past the idea of regulation being a blocker. Clear frameworks are exactly what FIs need to move from exploration to implementation, and we are seeing major strides globally here.

RWA tokenisation has matured into a regulated, $30 billion industry dominated by institutional giants like @BlackRock , @FTI_US, @OndoFinance, leading the charge

Stablecoin supply surging +50% this year, currently sitting at ~$310bn marketcap

Forecasted growth across RWAs and Stablecoins set to move into the trillions in the coming years!

Crypto ETFs have seen steady accumulation, with approximately $29.3 billion in net inflows into crypto ETFs this year. The "hype" speculative flows have been replaced by sticky, long-term institutional capital.

Multiple #XRP ETFs launched, showing clear institutional interest, approaching $1B AUM in under a month

Financial Institutions aren't just looking to replace their stacks. They are looking to incorporate blockchain tech to improve payment settlement times, costs and liquidity

It’s an exciting time to be building at the intersection of crypto, traditional payments and Tokenisation with @Ripple

I am still not done with 2025 yet, but I am pumped for what is to come in 2026 🚀