On November 3, 2025, Metallicus announced a strategic alliance with InvestiFi to deliver institution-backed stablecoins within InvestiFi’s digital investing platform. The partnership will enable credit unions and community banks to offer stablecoin capabilities directly to their account holders through a seamless integration.
Under this collaboration, Metallicus will serve as the underlying blockchain infrastructure provider, leveraging Metal Blockchain (Layer 0) and XPR Network (Layer 1) to provide financial institutions with the ability to mint, burn, and hold institution-specific stablecoins through a regulatory-compliant process. InvestiFi will distribute these capabilities through its platform integrated inside online and mobile banking systems.
In collaboration with InvestiFi’s custodial partners, the alliance delivers comprehensive stablecoin functionality that meets strict regulatory requirements while maintaining the security and transparency that financial institutions demand. This announcement follows Metallicus’ recent partnership with Cornerstone League, which gives 600+ credit unions access to the Metallicus Stablecoin Pilot Program.
The partnership represents another major milestone in Metallicus’ mission to bring compliant blockchain infrastructure to traditional financial institutions, following the company’s Q2 2025 report which described it as “arguably the greatest quarter in the company’s history”. Metallicus now has access to over 750 financial institutions through its expanding network.
Multiple asset managers are racing toward the first-ever spot XRP ETF launch, with Canary Capital confirming its XRP ETF could go live as early as November 13, 2025. The announcement comes after Canary, along with Bitwise, Grayscale, and Franklin Templeton, submitted accelerated S-1 amendments to the SEC, removing delaying provisions that had previously stalled approvals.
Grayscale Investments submitted Amendment No. 2 for its Grayscale XRP Trust on November 3, while Franklin Templeton followed with its own expedited filing. The coordinated removal of delay clauses signals growing confidence that the SEC’s recent guidance has opened a fast-track pathway for XRP ETFs to reach the market.
Steven McClurg, CEO of Canary Capital, confirmed at Ripple Swell 2025 that the company expects to launch its XRP ETF by mid-November, pending final SEC clearance. Analysts estimate that XRP ETF launches could trigger a $5 billion capital bonanza as institutional investors gain regulated exposure to the asset.
There are approximately 20 XRP ETF filings currently awaiting SEC approval, alongside similar numbers for Solana ETFs. The November launch window represents a shift from October, when the U.S. government shutdown delayed all pending cryptocurrency ETF evaluations and left over 90 applications in limbo.
Despite the positive ETF news, XRP dropped nearly 6% on November 4, trading around $2.23, as broader market volatility continued to weigh on altcoin prices.
Tokyo-listed Metaplanet Inc. executed a $100 million loan secured by its Bitcoin holdings, the company disclosed on November 4. The loan was finalized on October 31 under a credit facility agreement established on October 28, marking the first drawdown from a larger $500 million credit facility.
Metaplanet is using 30,823 BTC as collateral for the loan, valued at approximately $3.13 billion at the time of reporting. The lender’s identity remains undisclosed at their request, and the loan features a daily automatic renewal option with no fixed maturity date.
The company has designated the $100 million for three specific purposes: acquiring additional Bitcoin, expanding its Bitcoin Income Generation operations, and potential share buybacks under a program announced on October 28. The income generation segment earns revenue through cash-collateralized Bitcoin options, enabling the company to collect premiums while retaining its assets.
According to company disclosures, this options strategy yielded 24.4 billion yen (approximately $160 million) in revenue for Q3 2025, representing a 3.5x growth compared to 6.9 billion yen in Q2 2024. Metaplanet noted that the premium income strategy helps mitigate risks during market downturns while maintaining Bitcoin exposure.
The loan structure offers flexible repayment terms with interest accumulating at a reference USD rate plus an undisclosed margin. At the end of October, Metaplanet’s 30,823 BTC holdings ensured robust collateral even in the event of Bitcoin price declines.
Mastercard has joined forces with Ripple and Gemini to pilot a groundbreaking system that settles credit card transactions using the RLUSD stablecoin on the XRP Ledger (XRPL). The initiative, announced at Ripple Swell 2025 in New York, will connect Gemini’s credit card (issued through WebBank) to blockchain-based settlement infrastructure.
The project marks one of the first times a fully regulated U.S. bank has stepped into a public blockchain to settle fiat-based transactions. Sherri Haymond, Global Head of Digital Commercialization at Mastercard, stated that the partnership uses “Mastercard’s global network to bring regulated, open-loop stablecoin payments into the financial mainstream,” emphasizing strong consumer protections and full regulatory compliance.
The pilot is expected to roll out in the coming months, pending regulatory reviews and official onboarding of participating partners. The XRP Ledger provides the public infrastructure to host settlements, while RLUSD serves as the dollar-backed digital asset that moves between parties.
This announcement builds on Ripple’s earlier collaboration with Gemini and WebBank, which launched an XRP edition of the Gemini Credit Card in August 2025. According to Ripple’s press release, the expanded partnership explores how RLUSD can make card payment settlement faster and more transparent while maintaining compliance within the existing financial system
The initiative could accelerate institutional adoption of stablecoins for payments, offering a glimpse into how blockchain technology might reshape traditional payment rails. Analysts note that a successful pilot could pave the way for similar partnerships across the payments industry.
