The XRP Ledger (XRPL) has experienced a remarkable 430% increase in weekly payment transactions over the past two years, surging to more than 8 million payments per week in 2025. This growth confirms XRPL’s core strengths—fast finality, ultra-low fees, and robust support for tokenization—that continue to attract both retail and institutional users.

Nearly two-thirds of all ledger activity is now payments, reinforcing its foundational role as a high-throughput settlement layer. Notably, early May marked a key milestone, with over 1 million payments recorded in a single week, pointing to renewed momentum following a slight consolidation period in March–April.

Stablecoins & Tokenization Boost Utility

This surge has been fueled largely by the integration of stablecoins such as Ripple’s RLUSD, Circle’s USDC, plus EURØP, USDB, XSGD, which enhance XRPL’s role in cross-border and enterprise payments. Meanwhile, XRPL’s native tokenization toolkit—featuring compliance flags, built-in DEX, AMM pools, and pathfinding—has enabled fast and compliant issuance of real-world assets.

Institutional interest is growing: the European Central Bank has explored XRPL for wallet-based payment systems, and custodian tools now support tokenized asset workflows on the ledger.

DeFi Momentum and DEX Empowerment

Though XRPL’s DeFi ecosystem is still small—around $60 million in total value locked, compared to Ethereum’s multi-billion ecosystems—it is growing steadily. XRPL…