Ripple CEO Brad Garlinghouse is excited about the potential developments in 2025 and the increasing focus on real-world utility.Ripple made significant strides in reshaping the financial landscape through partnerships with major financial institutions.Optimism for XRP in 2025 stems from the potential approval of an XRP-related ETF and a favorable regulatory environment.Ripple's achievements in 2024 included educational programs, partnerships, acquisitions, and the introduction of the stablecoin RLUSD.