The XRP Ledger (XRPL) network is experiencing a significant surge in usage in 2025, with payment transactions emerging as the dominant force. According to data from Dune Analytics, payments now account for nearly 60% of all network activity — reaffirming XRP’s primary use case as a global payments asset.

🔹 Massive Growth in Payments: Weekly payment transactions on the XRP Ledger have skyrocketed from around 1.5 million in 2023 to over 8 million in 2025 — a more than 430% increase. On July 1st alone, there were nearly 967,000 payment transactions out of a total 1.53 million network transactions, according to XRPScan.

🔹 XRP’s Core Function: The XRPL was originally designed to facilitate fast, low-cost, and reliable cross-border payments, with XRP acting as the native bridge asset for settlements.

🔹 Institutional Adoption Driving Activity: Ripple’s payment solution is gaining traction with institutional clients — particularly after obtaining a license in the UAE and expanding its presence across the Middle East — contributing to the ongoing surge in payment volume.

Payments dominate XRPL activity (Source: Dune Analytics)

XRP Ecosystem Expands Beyond Payments

While payments remain the primary driver, the XRPL ecosystem is gradually expanding into other areas of blockchain utility.

🔹 DeFi and Decentralized Exchanges (DEX): On average, 2,300 traders interact with over 400 trading pairs daily on XRPL-based DEX platforms, with daily volume exceeding 384 million XRP. More than 20,000 automated market maker (AMM) pools are active on the network.

🔹 NFTs and More: Other transaction types such as NFT minting and smart contract activity are also gaining traction, indicating diversification of network usage.

🔹 User Base Still Growing: Despite being over 13 years old, the XRPL continues to attract new users. On June 30th alone, over 2,800 new accounts were added, pushing the total number of accounts above 5.6 million.

Ripple's long-standing legal battle with the U.S. Securities and Exchange Commission (SEC) appears to be approaching its final chapter. In late June, Ripple withdrew its appeal in the ongoing lawsuit — signaling its willingness to settle.

🔹 Settlement in Sight: Though a resolution may involve significant penalties or conditions, Ripple CEO Brad Garlinghouse has made it clear the company wants to focus on building rather than fighting.

🔹 Clear Regulatory Outlook Ahead: Legal clarity surrounding XRP is seen as a major catalyst for broader adoption. Many believe this could pave the way for a long-awaited XRP ETF and unlock greater institutional interest.




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