# XRPL Related Articles

HTX News Center provides the latest articles and in-depth analysis on "XRPL", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

XRP Faces 5.5% Annual Supply Dilution Amid 81.6% Drop in XRPL Revenue

**Summary:** A report by 21Shares highlights concerning supply and revenue dynamics for XRP. The circulating supply of XRP has increased by 5.5% annually due to net monthly releases from escrow, leading to a yearly 5.5% net dilution in asset value for holders at current fee levels. This dilution rate is lower than competitors like Toncoin and Stellar's XLM but remains significant. Demand for XRP is still largely tied to direct utility, with potential catalysts including institutional adoption for treasury management, payments, and as collateral. However, despite processing $159.9B in settlements in H1 2026, the XRP Ledger's (XRPL) reported revenue plummeted 81.6% year-over-year to $1.18M. This steep decline was driven by sharp drops in swap pool fees and NFT royalties. A positive development is the rapid growth of Ripple's stablecoin, RLUSD, whose supply surged over 1,100% on XRPL, significantly boosting on-chain USD liquidity. Institutional activity also increased, marked by Aviva Investors launching a tokenized money market fund on the ledger.

cryptonews.ruYesterday 05:14

XRP Faces 5.5% Annual Supply Dilution Amid 81.6% Drop in XRPL Revenue

cryptonews.ruYesterday 05:14

With the Transition of AI Agents to Real Spending, a New Phase May Begin for XRP

The article discusses the potential for a new phase for XRP as AI agents transition from purchasing digital assets to conducting real-world commercial transactions. Chandler Fang, co-founder of t54 (an AI agent startup and former Ripple product lead), outlines a future economy where autonomous software agents perform tasks involving payments. These agents have already executed over a million transactions on the XRP Ledger (XRPL). The evolution involves three stages: 1) paying for digital services (APIs, compute); 2) agents gaining limited spending authority for goods/services with user-set budgets and rules; and 3) agents integrated into enterprise systems (treasury, logistics) making background decisions. Ripple's XRPL AI Starter Kit and Mastercard’s "Agent Pay for Machines" program are cited as enabling infrastructure. Payment assets ($XRP for settlement, $RLUSD for dollar-denominated value) will be used based on transaction needs, not in competition. Widespread adoption may be "invisible," with agents seamlessly choosing blockchain infrastructure without user intervention. Success metrics will shift from transaction volume to meaningful economic activity, compliance, and dispute resolution.

cryptonews.ru08/22 10:47

With the Transition of AI Agents to Real Spending, a New Phase May Begin for XRP

cryptonews.ru08/22 10:47

XRP Accounts for 23% of On-Chain Trading Volume in a Three-Hour Trading Period

During a three-hour window from 13:00 to 16:00 UTC, which overlaps with the London afternoon and New York morning, approximately 23% of all on-chain XRP trading volume now occurs, up from 14% a year ago. Asset manager Evernorth, which released this analysis, links this concentration to growing institutional interest, as the peak aligns with traditional banking hours. This pattern is observed across XRPL's three primary trading channels: order books, automated market maker pools, and cross-currency payments. While the timing suggests institutional activity, the public ledger does not definitively identify the participants. The report also notes broader XRPL growth, including billions in tokenized assets and sustained ETF inflows. Evernorth, which is focused on expanding XRP's institutional role, emphasizes that while trading doesn't stop at 5 PM, clear peak hours are emerging.

cryptonews.ru08/20 05:19

XRP Accounts for 23% of On-Chain Trading Volume in a Three-Hour Trading Period

cryptonews.ru08/20 05:19

LendProtocol Launches Lending Platform on XRPL

LendProtocol, a centralized lending service, has launched a platform on the XRP Ledger for lending in XRP and RLUSD. Users can earn 12% APY with daily interest payments. To obtain a loan, borrowers must provide collateral worth 120% of the loan amount. The service is not an XRP staking platform, as the XRP Ledger itself does not use Proof-of-Stake or pay staking rewards. According to LendProtocol, over 743 million XRP has been loaned through the platform to date, with more than 13,700 active lenders. Borrowers pay an annual rate of 12.7%, with lenders receiving 12% and the remaining 0.7% covering the platform's operational costs. Accepted collateral includes Bitcoin, Ethereum, Solana, XRP, RLUSD, and USDT. LendProtocol states it assumes the credit risk in case of loan default and employs cold storage, data encryption, and two-factor authentication to protect funds.

cryptonews.ru08/18 15:55

LendProtocol Launches Lending Platform on XRPL

cryptonews.ru08/18 15:55

Ripple выпустила 10 миллионов RLUSD, а объем предложения достиг 1,71 млрд

On August 17th, Ripple issued an additional 10 million Ripple USD (RLUSD) tokens on the XRP Ledger, bringing the stablecoin's total circulating supply to approximately 1.711 billion. The tokens were transferred from Ripple's issuer account to a target wallet, though the recipient and specific purpose were not disclosed. The article notes this minting operation does not by itself confirm new institutional demand, as newly created tokens may remain in controlled accounts for treasury management or client settlements. This latest issuance follows another 10 million token mint on August 10th, occurring alongside a separate burn of 5 million RLUSD on the Ethereum network. Supply has fluctuated throughout the year, with recent mints offsetting previous burns. RLUSD is issued under a New York state-regulated trust and is backed by reserves of cash, cash equivalents, and short-term U.S. Treasuries, with monthly attestations. Ripple has been expanding institutional access to RLUSD through its Ripple Mint platform and partnerships in regions like Japan and Turkey. However, the identity behind the recent 10 million token issuance remains unknown. Future transactions from the target wallet or the next monthly reserve report may provide more clarity on the tokens' destination and the overall supply trajectory.

cryptonews.ru08/17 09:41

Ripple выпустила 10 миллионов RLUSD, а объем предложения достиг 1,71 млрд

cryptonews.ru08/17 09:41

Ripple Confirms Over 75 Speakers for Swell 2026 Conference, Expects Over 1,500 Attendees

Ripple has confirmed an expanded program for its Swell 2026 conference in New York, scheduled for October 27-29. The event expects over 1,500 attendees, more than 75 speakers, and over 50 sessions across three stages. The 2026 edition uniquely combines Ripple's institutionally-focused Swell conference with the developer-centric XRPL Apex event, marking the largest Swell to date. It aims to bridge institutional decision-makers with blockchain development teams. Key speakers include Ripple CEO Brad Garlinghouse, President Monica Long, Robinhood's Johann Kerbrat, BNY Mellon's Laide Agboola, and Intercontinental Exchange's Michael Blaugrund. Other participants represent Tradeweb, PwC, Amazon Web Services, and the XRP Ledger Foundation. The agenda will cover payments, capital markets, ETFs, stablecoins, tokenization, treasury management, cybersecurity, compliance, and practical applications of the XRP Ledger. Developer sessions will focus on the XRPL's consensus and transaction infrastructure. The conference takes place as New York develops specific oversight rules for dollar-linked digital assets, following the state's July proposal for new regulations governing payment stablecoin issuers. A pre-conference hackathon is scheduled for October 24-25, with the main stage sessions, breakout discussions, and an exhibition hall running October 28-29 at Manhattan's 'The Shed'.

cryptonews.ru08/16 10:09

Ripple Confirms Over 75 Speakers for Swell 2026 Conference, Expects Over 1,500 Attendees

cryptonews.ru08/16 10:09

Number of Active XRP Addresses Reaches Two-Month High Amid Worsening Market Sentiment

On August 14th, activity on the XRP Ledger surged to a two-month high, with 49,929 active addresses recorded in a 24-hour period. This spike occurred despite market sentiment towards XRP hitting a three-month low, as the token traded below $1, highlighting a sharp divergence between on-chain activity and retail investor mood. The data from Santiment shows that average daily active addresses had already risen to around 35,700 by August 12th, up from approximately 26,400 in July—a nearly 35% increase. However, the number of new addresses remained flat, suggesting the surge was driven by existing addresses becoming more active rather than an influx of new users. Analysts caution that while high address activity indicates increased network participation, it doesn't specify whether the activity stems from new investors, institutional moves, exchange transactions, or existing holders. Concurrently, the bearish sentiment, tracked from social platforms like X and Reddit, reflects crowd psychology rather than fundamental network health. The report notes that the XRP Ledger's validator-based consensus allows for such on-chain activity to grow independently of short-term price pessimism. Furthermore, broader ecosystem development, including Ripple's reported $550 million in investments since 2017 into grants and institutional infrastructure for tokenized assets, provides a long-term context separate from current price trends. The key question is whether the elevated address activity will be sustained beyond the single-day spike amidst ongoing negative sentiment, or if it represents only a temporary divergence.

cryptonews.ru08/16 10:06

Number of Active XRP Addresses Reaches Two-Month High Amid Worsening Market Sentiment

cryptonews.ru08/16 10:06

Xora Finance Brings Native Stellar Settlement To XRP Ledger

Xora Finance has enabled native Stellar (XLM) settlement on the XRP Ledger, creating a direct link between the two ecosystems without using wrapped assets. The integration, launched by the custodial neobank Xora Finance, allows Stellar value to settle via XRPL infrastructure, enhancing cross-ecosystem interoperability. The announcement clarifies this is not an official partnership between Ripple and the Stellar Development Foundation, but a third-party project. The move is notable given XRPL and Stellar's shared history as older, payment-focused networks. Native settlement avoids the extra trust assumptions of wrapped assets, though users must still consider Xora's custodial model and associated risks. The integration aligns with XRPL's focus on payments and asset movement, potentially bringing XLM into XRPL-based flows. Success will depend on user adoption, liquidity, fees, and trust in custody terms. The development adds a new interoperability path between two major payment ecosystems, making it a noteworthy step for observers.

bitcoinist08/12 09:21

Xora Finance Brings Native Stellar Settlement To XRP Ledger

bitcoinist08/12 09:21

XRP to Get a New Update: Here's What You Need to Know

The XRP Ledger (XRPL) is introducing a "Confidential Transfers" feature as part of the XRPL 3.3.0 software release. This new functionality is designed to provide greater privacy for institutional users in the tokenized assets market, currently valued at over $530 million. It aims to hide token balances and transfer amounts on the blockchain while still revealing account addresses and token types, using cryptographic methods like zero-knowledge proofs to validate transactions without exposing sensitive financial data. Primarily intended for multi-purpose tokens (MPTs), its expected use cases include funds, bonds, and other tokenized financial assets. The XRPL currently holds approximately $1.38 billion in real-world assets, including Ripple's USD-backed stablecoin RLUSD. The 3.3.0 release also includes other enterprise-focused upgrades such as batch processing, sponsor support, delegated permissions, and dynamic multi-party transaction processing. However, these updates are not yet active on the mainnet; activation requires continuous support from at least 80% of trusted XRPL validators for two weeks.

cryptonews.ru08/08 15:30

XRP to Get a New Update: Here's What You Need to Know

cryptonews.ru08/08 15:30

Ripple Advances Full XRPL Stack Amid Expanding Tokenized Assets Market

Ripple is advancing its full-stack XRPL infrastructure amid the expanding tokenized asset market. Following strategic investments in ZILO and Licuido to broaden institutional capital market infrastructure on the XRP Ledger (XRPL), President Monica Long outlined the company's vision. She noted a shift from bank pilots to full-scale operations, with Ripple's digital asset suite now covering the entire lifecycle of tokenized assets, from issuance to utilization. The investments complement Ripple's capital markets strategy, which includes infrastructure for tokenizing funds and providing institutional liquidity. The recently launched Ripple Mint platform offers financial institutions a single interface to manage Ripple USD (RLUSD) and issue tokens across fiat and blockchain settlement systems. Additionally, Ripple's tokenization platform enables the creation of security tokens, stablecoins, fund shares, bonds, and other real-world asset (RWA) tokens. A partnership between DBS, Franklin Templeton, and Ripple demonstrates post-issuance portfolio management, allowing eligible clients to swap RLUSD for a tokenized money market fund. DBS is also exploring using these tokenized fund shares as collateral for repo agreements or lending platforms, enabling investors to switch between stable settlement assets and yield-bearing instruments. A proposed XRPL lending protocol aims to add standardized institutional lending to the network's tokenization infrastructure, managing on-chain servicing, repayments, and defaults. Separate infrastructure links XRP and RLUSD liquidity to tokenized U.S. Treasury products offering regulated yield. The Bank for International Settlements (BIS) has identified tokenization's potential for faster payments and more efficient financial intermediation, while calling for robust settlement tools and coordinated oversight. Ripple's next expansion phase hinges on validators' decisions regarding proposed lending standards, which will determine if XRPL tokenized assets can support institutional lending at the protocol level.

cryptonews.ru08/05 09:30

Ripple Advances Full XRPL Stack Amid Expanding Tokenized Assets Market

cryptonews.ru08/05 09:30

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