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Market Insight: Ripple XRP surges 13% in 24 hours.
The XRP Ledger (XRPL) has experienced significant growth in tokenized real-world assets (RWA), particularly U.S. Treasuries, which grew eightfold over the past year to exceed $500 million. Despite this institutional activity and the ledger's role in cross-border payment pilots with firms like JPMorgan, the price of the XRP token has faced a downward trend throughout 2026. Analysts note that current ledger mechanics do not require the use of XRP for most Treasury transactions, as these often rely on Ripple’s stablecoin, RLUSD, for settlement, leaving XRP to collect only minimal network fees.
Tokenized U.S. Treasuries on the XRP Ledger grew 8x in a year, reaching over $537 million by late April 2026.
The XRP token is not required for most RWA transactions on the ledger, which primarily utilize Ripple's RLUSD stablecoin for settlement.
Ripple has launched the XRPL AI Starter Kit to enable third-party development of agentic payments, aiming to expand stablecoin use cases.
Future demand for XRP may depend on the implementation of a native lending protocol and the transition of assets from registry-only status to on-ledger trading.
Most institutional transactions on the ledger use Ripple's stablecoin, RLUSD, for settlement, while XRP is only used to pay minimal network fees.
The kit provides tools for third parties to build agentic payments, aiming to automate cross-border payment workflows using AI agents.
Distributed assets are held and moved by investors in their own wallets, while represented assets are recorded on the ledger but managed elsewhere.
The activation of a native lending protocol and the potential for tokenized assets to trade directly on the ledger could create new utility for XRP.
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