Schwartz acknowledged that XRPL can enable institutions to create compliant financial instruments, such as real estate or commercial loan portfolios, which can seamlessly interact with decentralized systems, effectively bridging regulated finance and DeFi.
Ripple’s Quest for Decentralized and Compliant Financial Systems
Ripple CTO noted the ability for institutions to build tightly regulated products that still interoperate with DeFi reflects Ripple’s vision of a financial system that is both compliant and decentralized.
Schwartz illustrated how a traditional lender could issue regulated real estate or commercial loans, then tokenize the debt for broader access through DeFi, allowing anyone to hold these assets in a fully decentralized system.
By positioning XRP Ledger as a core infrastructure for real-world asset tokenization and cross-border liquidity, institutions can leverage the network’s interoperability features, low transaction costs, and rapid settlement time of between 3 and 5 seconds.
Why XRP Ledger’s Adoption Is Gaining Steam
The XRP Ledger is experiencing explosive growth in mid‑2025 driven by real‑world utility, institutional trust, and strategic upgrades that position it as a leading blockchain for finance.
Real‑World Utility on the Rise
XRPL recently processed a record 5.1 million transactions in a single day without congestion or fee spikes. This surge was powered by decentralized exchange (DEX) trades and NFT minting, not speculative frenzy, underscoring genuine ecosystem usage.
With average fees under $0.01 and finality in seconds, XRPL delivers scalability and cost-efficiency unavailable on many legacy and smart-contract platforms.
User Base and Network Engagement
Since early 2024, the number of XRPL accounts has surged by roughly 24%, rising from 5 million to over 6.2 million.
Daily active addresses recently spiked past 295,000, up from a monthly average of 35,000–40,000—evidence of growing network engagement beyond token speculation.
Institutional Momentum and On‑Chain Whales
Institutional confidence is palpably growing. Whale wallets holding more than 1 million XRP recently hit a record of 2,700, each representing roughly $2.25 million a clear sign of strategic accumulation.
Part of this momentum was fueled by XRPL’s technological evolution with the recent Apex 2025 summit in Singapore showcasing key additions to the network, such as compliance-first programmability, the RLUSD stablecoin, and tokenized U.S. treasuries.
Furthermore, the imminent EVM-compatible sidechain launched on June 30 will enable Solidity-based dApps on XRPL, unlocking DeFi, non-fungible tokens (NFTs), and cross-chain swaps via efficient architecture.
XRP’s Golden Cross on MACD Pops Up
XRP just triggered a major bullish signal with a Golden Cross forming on its 2-day Moving Average Convergence Divergence (MACD) chart, sparking renewed interest across the crypto market.
Market analyst STEPH IS CRYPTO highlighted this development on X, formerly Twitter.
A Golden Cross on the MACD chart signals a potential bullish trend reversal or strong upward momentum.
With this technical indicator popping up in XRP, the 4th-largest cryptocurrency is witnessing growing bullish momentum and suggests a potential price breakout or rally is ahead, especially at a time when the approval rate of an XRP exchange-traded fund (ETF) has jumped to 95%.
Conclusion
The XRP Ledger continues to showcase itself as a network that has all it takes to be a full-fledged institutional blockchain platform as highlighted by Ripple CTO David Schwartz.
Across network activity, institutional backing, ecosystem expansion, and technological upgrades, XRPL is emerging as a blockchain built for serious adoption.
Therefore, XRPL can be a major catalyst for XRP’s next leg up as a golden cross takes center stage on the altcoin’s MACD chart.
