Franklin’s XRP ETF Move Puts SUBBD Token’s Payments Play In The Spotlight

Franklin Templeton stepping into the XRP ETF race is more than another ticker lighting up on NYSE Arca.

Its new product, XRPZ, is being positioned as a regulated gateway into an asset the firm says plays a ‘foundational role’ in global settlement.

Coming from one of the world’s oldest asset managers, that language is a loud signal: on-chain payments aren’t a fringe experiment anymore, they’re entering the institutional toolkit.

XRP’s pitch has always been straightforward: faster, cheaper cross-border settlement that overlays existing banking infrastructure instead of trying to rip it out.

When a legacy manager wraps that thesis in an ETF and labels it core infrastructure, it effectively tells traditional capital that this is now part of the plumbing, not a speculative side quest.

The market backdrop strengthens that read. XRP has been outperforming relief rallies as traders shift into payment and settlement narratives, while regulators in major jurisdictions are increasingly treating it as a utility-grade asset rather than a high-beta security proxy.

The broader story of real-world payments, speed, and transaction efficiency is finally maturing just as institutional wrappers arrive.

That’s where the ripple effects start. Once big funds get comfortable with the payments narrative through products like XRPZ, their next instinct is to look further down the risk curve for emerging infrastructure plays.

If XRP is the ‘blue-chip’ settlement asset, the hunt naturally shifts to smaller-cap projects aiming to modernize payments in niche, high-growth verticals.

And that’s exactly where SUBBD Token ($SUBBD) lands, a creator-economy payment and subscription layer enhanced by AI automation tools, currently live in presale and positioning itself as the next wave of Web3 settlement infrastructure.

SUBBD Token Builds Payment Rails For The Creator Economy

SUBBD positions itself as a Web3 subscription stack for the creator economy: recurring payments, gated content, AI-powered automation, and fan interactions, all unified by a single token.

Instead of relying on card processors, unpredictable platform policies, and high take-rates, $SUBBD aims to let fans subscribe, tip, and unlock exclusive content fully on-chain, giving creators more control over revenue, distribution, and audience data.

The core pitch mirrors the same value proposition that’s suddenly making XRP ETFs appealing to TradFi: efficient, programmable payments.

Where XRP focuses on global settlement infrastructure, SUBBD targets the $80B+ creator economy, a sector still running on siloed, fee-heavy rails where creators depend on platforms that can change rules overnight.

By moving subscriptions and microtransactions on-chain, SUBBD removes chargebacks, reduces intermediaries, lowers international friction, and makes cross-border creator payments effectively instant.

At the center of that system is the token. $SUBBD powers platform payments, unlocks premium features, and rewards active participation across the ecosystem. Fans can request custom content, tip creators directly, or access authenticated AI-generated assets and subscriber-only experiences.

Creators earn a native asset they can stake, reinvest into perks, and, as governance evolves, potentially help steer platform direction.

Staking is a major part of the early flywheel. The presale advertises headline yields up to 628%, a clear attempt to incentivize early adopters who want long-term exposure rather than short-term speculation.

For investors watching XRP ETFs normalize on-chain settlement, a model where value flows back to participants instead of intermediaries fits neatly into the same macro trend.

With that backdrop, SUBBD stops looking like a random presale and starts reading as a focused bet on where sector-specific payment rails are heading next, especially for investors tracking the overlap between creator monetization, AI tooling, and on-chain settlement.

SUBBD Token Presale Targets High-Upside XRP-Style Thesis

On the numbers front, the SUBBD presale has already cleared $1.36M in commitments, with tokens currently offered at around $0.057025.

For a project still pre-listing, that level of early demand suggests the payments narrative is resonating with at least part of the market, especially notable given how choppy broader conditions remain.

The presale is set to run into Q4 2025, giving the team a long runway to expand the product suite, ship AI creator tools, and secure platform partnerships before major exchange listings.

That buffer matters. If XRP-style payment narratives continue gaining institutional traction through ETFs and regulated wrappers, smaller projects positioned as niche payment rails could benefit from both narrative spillover and practical integration into everyday creator workflows.

Our price predictions have SUBBD reaching a potential year-end 2025 high of around $0.438 — roughly a 7.7x gain from today’s presale pricing — assuming execution stays on track and market momentum continues.

Looking ahead, the same framework floats a 2026 high around $0.66, which would imply roughly 11–12x upside under bullish conditions if user adoption and listings track positively.

None of these scenarios is guaranteed. Hitting them would require SUBBD to deliver on its roadmap, onboard real creators and audiences, and avoid the typical post-listing unwind that derails many presales.

But set against Franklin Templeton’s renewed push into XRP’s settlement thesis, the broader picture becomes clearer:

For traders comfortable with that profile, the combination of live presale pricing, aggressive staking incentives, and a payments-first narrative aligned with XRP’s new institutional moment is the kind of setup that tends to catch early-stage attention.

Risk-tolerant investors who want exposure to the narrative can follow our full guide on how to buy SUBBD.

This article is for informational purposes only and does not constitute financial advice; always conduct independent research.

Authored by Aaron Walker, NewsBTC – https://www.newsbtc.com/news/franklin-xrp-etf-bet-subbd-token-presale-creator-payments