Ripple’s Private Strategy: Redefining Fintech and Crypto Payroll

Ripple is making a bold decision here, and it’s a big one. They’ve decided to remain a private company instead of going public with an initial public offering (IPO). This is a clear signal that they want to focus on executing their plans rather than chasing the shiny allure of IPO capital. These recent moves come after Ripple’s recent funding round valued them at $40 billion, so clearly they are in a strong position. This decision by Ripple could set a new precedent for startups navigating the complex landscapes of crypto and fintech, so let’s dive into it.

Ripple’s Financial Health and Valuation

What’s going on financially? Ripple’s in a pretty good spot, especially after their $500 million funding round back in November 2025,…

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