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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.