David Schwartz, the CTO of Ripple, affirmed that XRP Ledger (XRPL) had already added over 63 million ledgers continuously over a period of over 10 years (XRPL.org). He noted that XRP transaction cost is fractions of a penny, that is, it is applicable to banks and payment providers. RippleNet reports indicate over 100 financial institutions that use XRP solutions to settle cross-border transactions, among others, Santander and Bank of America. According to Schwartz, one bank, at least, is going to operate fully on XRPL and this is an indication of institutional adoption (CoinCentral, Sept 2025).
🚨RIPPLE’S CTO REVEALS INSIGHT ON MASSIVE #XRP VOLUME THAT WILL REVOLUTIONIZE THE FUTURE OF FINANCE!!
THE TRUTH IS COMING TO LIGHT! THIS PLAN HAS BEEN UNDERWAY FOR YEARS!!
THE TOP MEMECOIN TOKEN ON THE XRPL, #XBONK TOKEN, HAS FORMALIZED PARTNERSHIPS WITH FIRSTLEDGER, BITRUE,… pic.twitter.com/J4S6bJz17X
— ⚔️ XRP Avengers ⚔️ (@XRP_Avengers) September 26, 2025
XRP Market Position Strengthened by Post-SEC Settlement Inflows
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Regulatory transparency has led to XRP acquiring fresh institutional inflows following the settlement by Ripple to the SEC in March 2025 (Bitpanda Academy, June 2025). XRP is listed on CoinGecko at position 90 by market cap, and CIR of 77 trillion XRP, and FDV of BTC15,668.6670, assuming 88 trillion XRP are all mined. The daily network activity depicts a high growth in wallets and high transaction volume, which reflects a sustained demand.
Ripple USD and Hooks Expand Technical Capabilities
Schwartz identified Ripple USD as a USD-pegged stablecoin as a key liquidity factor. It ensures the strong ability to switch between yield-generating assets and stablecoins. Simultaneously, the Hooks Amendment introduces smart contract-like functionality through lightweight WebAssembly modules, which are currently available on a community testnet (XRPL.org). All these attributes, together with ISO 20022 messaging standards, make XRPL compatible with international banking requirements (ConsenSys).
XBONK Token Secures Multi-Exchange Partnerships
The XRPL memecoin XBONK reported official collaboration with FirstLedger, Bitrue, MEXC, and Gate.io. As announced, these integrations increase accessibility across centralized exchanges, which enhances liquidity among retail users. Collaborations with Walmart and Binance will also make XBONK an app utility-based memecoin in the larger economy of XRPL. XBONK is a memecoin culture that is built around XRPL with a low-cost infrastructure, as they have 77 trillion tokens circulating.
Institutional and Retail Integration Expands XRP Utility
In the recent past, Franklin Templeton chose XRPL to tokenize securities due to its scalability and affordability (Ripple insights). This is in addition to the banking alliances of RippleNet and in complement to the retail-driven assets such as XBONK. The twofold momentum – institutional implementation of XRP as a method of payment and memecoin adoption of the liquidity growth – identifies the growing role of the XRPL both in finance and consumer markets.
