With the SEC’s easing stance toward Ripple’s native token XRP becoming more prominent, speculations started circulating that the bank of Japan might start adopting XRP.
If that were to happen, XRP could see exponential growth in the upcoming months—but how high exactly could it go?
On the other hand, there’s PlutoChain ($PLUTO), an innovative Layer-2 project that may have come up with a solution to Bitcoin’s lack of utility. PlutoChain might address Bitcoin’s core problems like transaction speed, cost-efficiency, and scalability.
Here’s what you need to know about both projects.
Could Japan’s Banks Push XRP to New Highs?
Talks of Japanese banks adopting XRP have sparked speculation about how far the token’s price could climb. While no official confirmation exists, the impact of such a move could be massive.
SBI Holdings, one of Japan’s largest financial institutions, has backed Ripple and XRP for years. The company already uses Ripple’s technology for cross-border payments, and its CEO, Yoshitaka Kitao, has spoken positively about XRP’s potential in banking.
Japan’s financial system moves trillions of dollars daily, with major banks like Mitsubishi UFJ, Sumitomo Mitsui, and Mizuho processing billions in transactions. These institutions still depend on SWIFT, a system that often comes with slow speeds and high costs.
If XRP replaced or complemented it, transactions could become cheaper, faster, and more efficient, driving demand for the token.
If adoption reached a national scale, analysts see Ripple price rising to $20 or beyond, and if adoption spread across Asia, some believe it could push toward $50 or higher.
Whether that happens remains uncertain, but XRP’s growing role in finance keeps it in the spotlight.
PlutoChain ($PLUTO) – A Hybrid Layer-2 Solution That Could Solve Bitcoin’s Biggest Problems
Bitcoin dominates the crypto market, but using it for anything beyond holding is still impossible. Transactions take too long, fees spike during congestion, and the energy consumption is through the roof. While it works as digital gold, it falls short as a real-world payment system.
PlutoChain ($PLUTO) could change that with a Layer-2 solution designed to speed up transactions and cut costs without compromising Bitcoin’s security. Instead of waiting 10 minutes for confirmation, PlutoChain finalizes blocks in just 2 seconds.
By handling some processes off-chain, it could also help reduce Bitcoin’s energy demands, which have been a long-standing concern.
One of its biggest draws is EVM compatibility, which could bring Ethereum-based DeFi apps, NFT platforms, and other smart contract projects into Bitcoin’s ecosystem. That kind of bridge between two major networks could open the door to new possibilities.
Security remains a priority, with audits from SolidProof, QuillAudits, and Assure DeFi confirming its infrastructure. Stress tests show it processing over 43,200 transactions daily.
Unlike Bitcoin, where miners and developers make the decisions, PlutoChain lets users vote on upgrades, which makes it more adaptable and community-driven. PlutoChain could be exactly what Bitcoin needs to become faster, cheaper, and more practical for everyday use.
The Bottom Line
If Japanese banks start using XRP, it could be a huge shift for the crypto market. Cross-border payments would move faster, and demand for the token could climb. Some analysts believe XRP could reach $20 or more, especially if adoption spreads across Asia, though nothing is set in stone.
Meanwhile, PlutoChain ($PLUTO) is looking to fix Bitcoin’s biggest issues. With faster transactions, lower fees, and smart contract support, it could make Bitcoin more useful for everyday payments instead of just something people hold.
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