The XRP ecosystem is entering its strongest phase yet. After years of being known mainly for fast cross-border payments, Ripple is now becoming a core pillar of institutional finance. Global corporations, fintech firms, and regulated banks are increasingly adopting the XRP Ledger (XRPL) — and the numbers tell the story:
Institutions worldwide now hold over $11 billion worth of XRP, while Ripple’s stablecoin RLUSD has seen a record liquidity surge of 34.7%.
Institutions Quietly Accumulate XRP
For years, XRP stood outside the spotlight of corporate adoption — but that’s changing fast.
According to new data, more U.S. companies are now using the Digital Asset Treasury (DAT) model — a strategy that allocates part of corporate reserves into digital assets, similar to earlier Bitcoin treasury approaches.
Among the companies that have already added XRP to their balance sheets are:
Trident Digital Tech Holdings – $500 millionWebus International – $300 millionWellgistics, Nature’s Miracle, and Hyperscale Data – tens of millions combined
The standout player is Japan’s SBI Holdings, which holds over $10 billion in XRP, making it the largest corporate XRP holder in the world.
In total, global corporations now collectively hold around $11 billion worth of XRP, placing it alongside Bitcoin and Ethereum as a major institutional asset.
RLUSD: The New Engine of XRP Liquidity
Ripple’s RLUSD stablecoin, backed by the U.S. dollar, has become the backbone of liquidity across the XRP network.
In Q3, its market capitalization reached $789 million, including $88.8 million directly on the XRP Ledger — a 34.7% increase from the previous quarter.
With that, RLUSD is now the largest stablecoin on XRPL, solidifying Ripple’s position as a leader in regulated blockchain solutions.
Other stablecoins — including USDC, Ripple Fox CNY, and Gatehub USD — are also expanding on the network, reflecting growing institutional trust in XRP’s ecosystem.
A Network Built for Regulation
One of the main reasons companies are turning to the XRP Ledger is its regulatory readiness.
Built-in tools such as Clawback and Deep Freeze allow asset issuers to enforce compliance, enabling them to freeze or recover funds if required by regulators.
These features make XRPL a preferred blockchain for banks and fintech firms seeking a compliant environment.
That’s why recent months have seen the arrival of new stablecoins like USDC by Circle, XSGD by StraitsX, and EURØP by Schuman Financial, all focusing on transparency and stability.
Real-World Expansion from Japan to Africa
Ripple’s ecosystem now spans multiple continents.
The RLUSD stablecoin is set to launch in Japan in 2026, while it’s already live on Bybit and several African fintech platforms.
Meanwhile, the tokenized real-world asset (RWA) market on XRPL has surged 215% in Q3, reaching $364 million.
These assets include U.S. Treasury bills, real estate, and fund shares, powered by companies such as OpenEden, Archax, and VERT.
From Payment Token to Global Financial Infrastructure
Ripple has moved far beyond its roots. What started as a payment solution has evolved into a comprehensive ecosystem for digital finance, combining blockchain innovation, regulatory compliance, and real-world integration.
As RLUSD strengthens Ripple’s position among the world’s most trusted stablecoins, XRP is rapidly becoming a symbol of institutional confidence in the crypto space.
If current trends continue, the XRP Ledger could soon emerge as the most preferred blockchain network for digital finance in the 21st century.
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