David Schwartz, Ripple’s Chief Technology Officer, highlighted that the XRP Ledger (XRPL) has successfully processed over 63 million ledgers without interruption for more than a decade. He emphasized that the cost of XRP transactions is merely fractions of a cent, making it suitable for banks and payment providers. Reports from RippleNet show that over 100 financial institutions utilize XRP solutions to facilitate cross-border transactions, including Santander and Bank of America. Schwartz mentioned that at least one bank will fully operate on XRPL, signaling increased institutional adoption.
🚨 RIPPLE’S CTO SHARES INSIGHTS ON THE SIGNIFICANT #XRP VOLUME THAT WILL TRANSFORM THE FUTURE OF FINANCE!!
THE TRUTH IS EMERGING! THIS STRATEGY HAS BEEN IN PROGRESS FOR YEARS!!
THE LEADING MEMECOIN TOKEN ON THE XRPL, #XBONK TOKEN, HAS ESTABLISHED PARTNERSHIPS WITH FIRSTLEDGER AND BITRUE…
— ⚔️ XRP Avengers ⚔️ (@XRP_Avengers) September 26, 2025
XRP Market Position Enhanced by Post-SEC Settlement Inflows
The resolution with the SEC in March 2025 has provided regulatory clarity leading to new institutional investments in XRP (Bitpanda Academy). Currently ranked at position 90 by market cap on CoinGecko with a circulating supply of 77 trillion XRP and an FDV equivalent to BTC15,668.6670 assuming full mining of all tokens. The network’s daily activity indicates significant growth in wallet creation and transaction volume reflecting sustained demand.
Ripple USD and Hooks Boost Technical Capabilities
Schwartz pointed out Ripple USD as a stablecoin pegged to USD as crucial for liquidity management allowing seamless transitions between yield-generating assets and stablecoins. Concurrently, the Hooks Amendment introduces smart contract-like features via lightweight WebAssembly modules available on community testnets (XRPL.org). These elements combined with ISO 20022 messaging standards ensure XRPL meets international banking requirements.
XBONK Token Establishes Multi-Exchange Partnerships
The memecoin XBONK on XRPL announced official partnerships with FirstLedger, Bitrue MEXC Gate.io enhancing accessibility across centralized exchanges thus boosting liquidity among retail users. Collaborations with Walmart Binance aim to make XBONK an app utility-based memecoin within XRPL’s broader economy built around low-cost infrastructure featuring circulating supply of 77 trillion tokens.
XRP Utility Expands Through Institutional Retail Integration
Lately Franklin Templeton opted for XRPL to tokenize securities due its scalability affordability complementing existing banking alliances under RippleNet alongside retail-driven assets like XBONK highlighting dual momentum: institutional implementation using XRP payments coupled with memecoin adoption fueling liquidity growth underscoring expanding role played by both finance consumer markets within ecosystem.