The XRP ecosystem is moving into a new chapter. After years of being known mainly for cross-border payments, Ripple and its network are now seeing institutional adoption. From global firms quietly adding XRP to their balance sheets to the steady rise of Ripple’s own stablecoin, RLUSD, the past quarter has reshaped how investors view the XRP Ledger.

Institutions Quietly Building XRP Positions

Big companies are no longer sitting on the sidelines. Under the Digital Asset Treasury (DAT) model promoted by Michael Saylor, several U.S. firms have added XRP to their corporate reserves. Trident Digital Tech Holdings holds $500 million, Webus International has $300 million, and others like Wellgistics, Nature’s Miracle, and Hyperscale Data together add tens of millions more.

Japan’s SBI Holdings stands out with over $10 billion in XRP, the largest corporate position in the world. Altogether, global firms now hold about $11 billion worth of XRP, placing it alongside Bitcoin and Ethereum as a major institutional asset.

RLUSD Becomes the Core of XRP Liquidity

Ripple’s USD-backed stablecoin, RLUSD, has become the backbone of the network’s liquidity. It closed Q3 with a market cap of $789 million, including $88.8 million on the XRP Ledger, up 34.7% from the last quarter. This growth makes RLUSD the largest stablecoin on XRPL.

Several other stablecoins, USDC, Ripple Fox CNY, and Gatehub USD — are also expanding on the network, signaling a steady increase in institutional trust.

A Regulation-Ready Network

The XRP Ledger’s built-in compliance tools, such as Clawback and Deep Freeze, allow issuers to recover or restrict assets under regulator orders. These features make XRPL a preferred choice for banks and fintechs seeking a compliant blockchain environment.

That’s why new stablecoins like Circle’s USDC, StraitsX’s XSGD, and Schuman Financial’s EURØP have recently launched on the network.

Expanding Use Cases and Real-World Integration

Ripple’s partnerships now span continents. RLUSD will debut in Japan in 2026 and is already live on Bybit and several African fintech platforms. The XRPL’s tokenized real-world asset market has grown 215% this quarter to $364 million, hosting Treasury bills, real estate, and fund shares from firms like OpenEden, Archax, and VERT.

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