Ripple plans to transition the XRP ledger to a more decentralized financing model by 2026, surpassing its core project and incorporating independent organizations and community projects. This shift has the support of SBI Holdings' president, who previously stated that Ripple has invested over $550 million into its ecosystem since 2017. Additionally, Ripple will launch a new fintech incubator program to help startups develop as traditional financial technology companies explore blockchain integration.

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