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Ripple – the company behind the XRP token – made headlines on Wednesday after securing a $40 billion valuation through a strategic funding round.

The said $500 million round was backed by major institutional names, including Citadel Securities, Galaxy Digital, and Brevan Howard.

Ripple has expanded aggressively this year into custody, stablecoins, and prime brokerage – now holding about 75 regulatory licenses across key jurisdictions.

While XRP’s price remained largely flat today, Ripple’s enterprise value signals growing investor confidence in crypto-native infrastructure.

The valuation also reflects a broader shift in how digital asset platforms are being integrated into mainstream financial services – a trend that stands to benefit the US fintech stocks.

Ripple’s rising valuation underscores renewed appetite for digital finance infrastructure, especially platforms that blend regulatory compliance with blockchain-native capabilities.

As Ripple moves deeper into institutional finance, it sets a precedent for fintech stocks that straddle traditional and decentralized models.

GENIUS Act’s passage and improving regulatory clarity around stablecoins and tokenized assets have further opened the door for US fintechs to scale crypto-adjacent services.

Investors have started looking beyond speculative tokens and toward infrastructure plays with real-world utility.

All in all, in the current environment, fintech stocks with strong retail engagement and expanding crypto rails stand to benefit. Following are two of the best-positioned names which will help investors make their money work for them.

Robinhood stock is uniquely positioned to capitalize on Ripple’s momentum.

With more than 26 million funded accounts and a growing crypto trading segment, HOOD already serves as a gateway for retail investors into digital assets.

The financial technology company’s recent launch of crypto wallets and staking features shows its intent to deepen engagement beyond simple trading.

As regulatory clarity improves, HOOD could expand into stablecoin payments, tokenized equities, or even custody, areas where Ripple is already gaining traction.

Moreover, Robinhood’s low-cost structure and mobile-first design make it a natural fit for the next wave of retail crypto adoption. Ripple’s valuation validates this hybrid model.

SoFi stock offers a vertically integrated financial platform that spans lending, investing, banking, and crypto – making it one of the most comprehensive fintechs in the US market.

Its crypto offering includes 20+ tokens, and the company has hinted at expanding into tokenized assets and blockchain-based lending.

With a banking charter and strong millennial user base, SOFI is strongly positioned to integrate stablecoin payments and decentralized finance features as regulation evolves.

Ripple’s valuation highlights the market’s appetite for infrastructure-rich platforms – and SoFi’s full-stack model could attract similar institutional interest as it scales its crypto-native capabilities.

That’s partly why Wall Street price targets on SOFI shares currently go as high as $38 – indicating potential upside of another 27% from here.

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