Could This Be the Breakthrough That Sends XRP Soaring?

The world of cryptocurrency is buzzing with excitement over a new idea that could shake up how we pay for things in stores—and it’s built on XRP, a digital currency that’s been quietly gaining attention. Imagine walking into a shop, tapping your phone to pay just 2 cents for a coffee, and having the transaction complete in seconds, all without the hefty fees that merchants usually pay to credit card companies like Visa or Mastercard. This isn’t a distant dream—it’s a real project called Xeno, developed by a young innovator named Tom, and it’s turning heads for its potential to change retail payments forever. Could this be the spark that finally pushes XRP’s price to new heights? Let’s dive in.

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The Problem with Traditional Payments

Every time you swipe a credit or debit card, the store you’re buying from pays a fee—typically between 3% and 5% of your purchase. For a $10 item, that’s 30 to 50 cents disappearing into the pockets of payment processors. It might not sound like much, but for businesses handling millions or even trillions of dollars in sales each year, those fees add up fast. Globally, merchants lose billions to these costs, which often get passed on to customers through higher prices. For years, people have dreamed of a cheaper, faster way to pay, but the technology hasn’t been quite there—until now.

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Enter Xeno

Xeno, a system that uses XRP to make payments almost instant and nearly free, is stepping in to solve this issue.

What is Xeno, and How Does It Work?

Xeno is like a digital wallet on your phone, similar to Apple Pay or Google Pay, but instead of connecting to a credit card, it uses XRP to send money directly over the XRP Ledger (XRPL), the blockchain that powers XRP. Picture this: you’re at a store, you choose to pay with Xeno, and with a quick tap, the payment is done. The merchant gets the money right away—no waiting days for settlement like with credit cards—and the cost to process it is just a tiny fraction of a penny. In a test of Xeno, a payment of 2 cents was completed in seconds, instantly recorded on the blockchain for all to verify.

This speed and low cost come from XRP’s unique design. It can handle up to 1,500 transactions per second (TPS), and developers believe this could grow even higher in the future—enough to rival the likes of Visa, which processes thousands of payments per second. Plus, the fees, known as “gas fees” in the crypto world, are so small they’re practically negligible. For comparison, sending money on some other blockchains can cost dollars or more, but with XRP, it’s a fraction of a cent.

The Vision Behind Xeno

Tom, the mind behind Xeno, sees this as a game-changer. “Merchants pay way too much for card payments,” he explains. “When I first learned about those 3-5% fees, I couldn’t believe it. With XRP, it’s obvious—why hasn’t this been done before?” Well, it turns out plenty have tried, but cracking the retail payment puzzle is tough. It’s not just about the money; it’s about convincing stores and shoppers to switch to something new. Xeno might just have the edge to make it happen.

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Why XRP Could Be the Key

The Advantages of XRP Over Other Cryptocurrencies

So why build Xeno on XRP instead of, say, Bitcoin or another popular blockchain like Solana? For Tom, it’s all about practicality. Ripple created XRP, a company focused on making payments, especially international ones, faster and cheaper. It’s built to move money across borders in seconds, which makes it a natural fit for retail too. Plus, XRP has a reputation for being more stable from a legal standpoint. After years of regulatory battles in the U.S., Ripple won a major lawsuit in 2023, giving XRP clearer footing than some other cryptocurrencies. “Regulation-wise, XRP is probably the safest bet,” Tom says, though he’s open to expanding Xeno to other blockchains later.

Another big plus is XRP’s community. Fans of XRP, often called the “XRP Army,” are passionate and vocal online. When Tom shared Xeno with them, hundreds signed up for the waitlist almost overnight. This kind of support could help Xeno get off the ground, especially among early adopters who already love crypto.

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Beyond Payments: Rewards and Loyalty

Xeno isn’t just about cutting costs—it’s about adding value too. Tom plans to include a loyalty program where customers earn credits with every purchase. “If a merchant saves 1-2% on fees, why not give half a percent back to the customer?” he suggests. Imagine buying a $10 sandwich and getting a few cents back as a reward, which you could spend later. It’s a small perk, but it could make Xeno more appealing than swiping a regular card.

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A Plan to Make Money Without Fees

The Business Model Behind Xeno

Here’s where Xeno gets clever: it won’t charge merchants or users a fee for transactions. Instead, Tom takes inspiration from Phantom, a popular crypto wallet valued at $3 billion. Phantom makes money by offering “swaps”—converting one type of digital money to another, like turning XRP into dollars or British pounds. Xeno could do the same, taking a tiny cut when users exchange their crypto or move money in and out of the system (a process called on-ramping and off-ramping). This keeps payments free and encourages people to use Xeno as much as possible while still funding its growth.

Merchants could even earn extra cash with Xeno. Since payments settle instantly—unlike credit cards, where funds can take days—stores could stake their XRP earnings (a crypto term for locking up coins to earn interest) and make 10% or more annually. It’s like putting money in a savings account, but with better returns, all built into the system.

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The Road Ahead: June Launch and Beyond

Xeno is still in its early stages, but Tom has big plans.

The Upcoming Launch

He’s aiming to launch a beta version at XRPL Apex, a major XRP event in June. There, he hopes people will use Xeno to buy coffee or merchandise with RLUSD, a new stablecoin from Ripple tied to the U.S. dollar. Stablecoins are cryptocurrencies that don’t swing in value like XRP or Bitcoin, making them ideal for everyday spending. Around the same time, he’ll release a merchant app to let stores accept Xeno payments.

Could Xeno Drive XRP’s Price Up?

So, could Xeno be the breakthrough that sends XRP soaring? It’s possible. As of March 8, 2025, XRP is trading at $2.36, down 5.70% in the last 24 hours, while Bitcoin sits at $86,052, down 2.35%. Bitcoin’s massive climb from $45,000 earlier this year shows how fast crypto can move, but XRP’s growth has been steadier. At $2.36, it’s a huge leap from its $0.60 price in early 2025, hinting that projects like Xeno might already be stirring interest. For XRP to climb higher, it needs real-world use, not just speculation. Xeno could provide that by putting XRP into everyday transactions.

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The Bigger Picture

Xeno isn’t just about XRP—it’s about what crypto can do for everyone. It tackles a real problem: the high cost of payments. It offers merchants savings, customers rewards, and a peek at a future where money moves without banks or fees. Tom’s not the first to try this—others have aimed to reinvent retail with crypto—but his focus on XRP’s strengths and a solid plan give Xeno a shot at success.

For now, all eyes are on June. If Xeno shines at XRPL Apex and starts catching on, it could light a fire under XRP. Whether it’s enough to send the price soaring—say, to $5 or beyond—depends on how many people embrace it. One thing’s for sure: Xeno is a bold move to make crypto practical, not just profitable. And that might just be the push XRP needs to break out.