Why Remittix (RTX) Outpaces XRP as the 2025 PayFi Investment Play

The PayFi (Payments + DeFi) sector is heating up in 2025, but one name—Remittix (RTX)—is outpacing even the well-established XRP in terms of on-chain capital flows and real-world utility. While XRP benefits from regulatory clarity and institutional backing, RTX’s deflationary tokenomics, scalable infrastructure, and explosive user growth position it as the superior investment play for 2025.

On-Chain Capital Flows: RTX’s Explosive Momentum

Remittix (RTX) has captured the PayFi spotlight with significant community support, raising over $21.6 million by selling 629 million tokens at $0.0987 each. This capital influx is translating into tangible on-chain activity: in Q3 2025, RTX processed 400,000 cross-border transactions for 1.2 million users, with its beta wallet enabling stablecoin-to-fiat conversions in 40+ countries. The platform’s deflationary model—burning transaction fees to reduce token supply—is projected to halve RTX’s circulating supply in three years, creating scarcity and upward price pressure.

In contrast, XRP’s on-chain signals are mixed. While the XRP Ledger (XRPL) saw a 500% spike in transaction volume in August 2025, its price remains stagnant in a $2.75–$3.05 range. XRP’s burn rate, though positive, pales in comparison to RTX’s aggressive supply reduction. Moreover, XRP’s institutional adoption—bolstered by the SEC’s reclassification of XRP as a commodity—has not translated into retail traction, with the token struggling to break out of a narrow trading range despite $25 million in daily net inflows.

Real-World Utility: RTX’s PayFi Edge

RTX’s value proposition lies in its utility-first ecosystem. The platform offers real-time foreign exchange (FX) quotes, 0.1% fees for cross-border transactions, and a merchant-ready API, directly targeting the $19 trillion global remittance market. By contrast, XRP’s utility remains largely institutional, with RippleNet processing $1.3 trillion in Q2 2025 but limited retail adoption. RTX’s beta wallet, launched in Q3 2025, further cements its user-centric approach by enabling direct fiat deposits into bank accounts, a feature absent in XRP’s ecosystem.

Analysts project that RTX’s 0.1% fee model could capture 1–2% of the global remittance market within 12 months, generating recurring revenue and compounding value for token holders. XRP, meanwhile, relies on speculative ETF inflows and macroeconomic factors, which are less predictable than RTX’s scalable, real-world adoption.

Institutional Credibility and Market Positioning

Both projects have institutional backing, but RTX’s rapid execution and deflationary design give it an edge. RTX has secured its first CEX listing on BitMart and plans for additional listings, signaling strong retail and institutional interest. XRP’s institutional partnerships—300+ in Q2 2025—remain robust, but its market cap of $180 billion is inflated relative to its on-chain performance. RTX’s strong early performance and $0.0987 price point also make it more accessible to retail investors, fostering broader adoption.

Conclusion: RTX as the 2025 PayFi Winner

While XRP’s regulatory tailwinds and institutional adoption are positives, Remittix (RTX) outperforms in on-chain capital flows, real-world utility, and tokenomics. With a deflationary model, scalable infrastructure, and explosive user growth, RTX is positioned to dominate the PayFi sector in 2025. Investors seeking a high-conviction play in cross-border payments should prioritize RTX over XRP, which remains a safer but less dynamic option.

Source:
[1] Analysis: Supply Chain Shifts Amid Trade Uncertainty [https://www.bitget.com/news/detail/12560604939529]
[6] Why Remittix (RTX) Outpaces Solana in Real-World Crypto Adoption [https://www.bitget.com/news/detail/12560604934627]
[7] XRP 2.0 and the Emergence of Remittix as the Next PayFi ... [https://www.bitget.com/news/detail/12560604939407]
[8] Remittix (RTX): The Next XRP in the PayFi Revolution as Institutional Adoption Grows [https://www.bitget.com/news/detail/12560604936977]