A prominent figure within the Ripple ecosystem has revealed that leading financial entities such as Mastercard, BlackRock, and Franklin Templeton are actively engaging with the $XRP Ledger (XRPL).
This development underscores XRPL’s role as a foundational infrastructure for financial services. In a recent interview, Odelia Torteman, who serves as the Director of Corporate Adoption at XRPL Commons, discussed the increasing involvement of institutions with this network and its implications for $XRP holders.
Main Highlights
The director from Ripple confirmed that significant institutions are investigating opportunities within the $XRP Ledger.
$XRP acts as an essential bridge asset facilitating cross-asset settlements on XRPL.
The integrated automated market maker (AMM), decentralized exchange (DEX), and compliance features make XRPL appealing to businesses.
Recent collaborations by Ripple enhance institutional adoption of $RLUSD on XRPL.
$XRP: A Key Component of XRPL
Torteman elaborated that the $XRP Ledger is a decentralized framework where $XRP serves a pivotal function as a bridge currency facilitating transactions and settlements across its network. Essentially, it operates as an integral element driving activity throughout this ecosystem.
Additonally, she pointed out that XRPL accommodates an expanding array of financial service applications and enterprise-level solutions. In this light, possessing $XRP can provide exposure to the underlying infrastructure supporting cross-asset settlements along with transparent payment processes.
An Institutional Focus on Exploring XRPL Features
Diving deeper into their conversation, Torteman was asked about notable companies like Visa and Mastercard attending recent events centered around XRPL—specifically whether they expressed interest in leveraging this ledger technology.
Torteman affirmed their interest emphatically. She emphasized that since its launch in 2012, the $XRPl has been designed to facilitate transparent payments across various assets. According to her insights, it was specifically engineered for use by financial institutions seeking innovative solutions in blockchain technology.
- A built-in automated market maker (AMM)
- Natively integrated decentralized exchange (DEX) capabilities
<li Trust lines functionality
<li Ongoing product enhancements catering to compliance needs including KYC regulations $
RLUSD
on XRPl.
In September 2025,
Ripple partnered with Franklin Templeton
and DBS
to introduce tokenized lending
and trading solutions utilizing tokenized money market funds
and $RLUSD.
$RLUSD,
allowing investors in VanEck’s VBILL fund
and BlackRock’s BUIDL fund direct swaps for shares.
This integration introduced continuous liquidity through smart contracts for tokenized Treasury funds.
Ripple indicated these initiatives further its mission of bridging traditional finance with blockchain technologies while providing investors compliant access to stable exits via $RLUSD while maintaining potential yields from on-chain activities.
In November 2025,
Mastercard collaborated with Gemini alongside Ripple to pilot stablecoin settlements using $RLUSD card payments over XRP Ledger.
The initiative marks pioneering efforts among U.S.-regulated banks employing blockchain technology for transaction settlement.
This project integrates regulated stablecoins into Mastercard’s payment system enabling banks’ card transactions processed over public blockchains supported by Ripple’s efficient settlement mechanisms through XRP ledger.
For holders of XRP,
this escalating institutional engagement reinforces perceptions surrounding XRP not merely being tradeable but also functioning effectively as bridge currency embedded within large-scale finance-oriented blockchain frameworks.