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Ledger

XRP Ledger: Ripple Exec Reveals Institutional Playbook
NFT Gaming

XRP Ledger: Ripple Exec Reveals Institutional Playbook

by admin October 4, 2025


In the second episode of RippleX’s Onchain Economy series, RippleX Product Director Jazzi Cooper unveils the blueprint for institutional finance on-chain.

Cooper details three core features of XRP Ledger, including multipurpose tokens (MPTs), a permissioned DEX and a native lending protocol, regarded as the blueprint for institutional finance on-chain.

The future of DeFi isn’t just about decentralization; it’s about credit, compliance, and confidentiality at scale.

Episode 2 of the Onchain Economy series just dropped, and @jazzicoop details 3 core features of the XRPL:
↳ Multi-Purpose Tokens (MPTs)
↳ Permissioned DEX
↳… pic.twitter.com/Je84HOBAtP

— RippleX (@RippleXDev) October 3, 2025

According to the RippleX product director, XRP Ledger already has payment capabilities (obviously essential for cross border payments), but in a bid to replicate traditional finance or bring more use cases onto the blockchain, the need for credit origination remains clear, with XRPL’s approach a little bit different than typical DeFi ecosystems.

MPTs

Multipurpose tokens (MPTs) went live on the XRP Ledger mainnet this week. MPT is a new native token standard designed to make issuing real-world assets on-chain far simpler, safer and more aligned with how financial institutions operate.

MPTs are created with compliance controls built in so that issuers can enforce KYC/AML, freeze or claw back assets if required, add metadata like bond terms or reserve attestations and manage distribution securely with multi-sig and escrow.

Permissioned DEX and domains

According to Cooper, the permissioned DEX is a neat feature that builds on a couple of different capabilities of XRP Ledger. Permissioned DEX extends XRPL’s decentralized exchange into regulated contexts, enabling secondary markets for RWAs or FX with full AML/KYC controls.

Permissioned domains allow markets to gate participation based on credentials, creating user-controlled environments. According to Cooper, permission domains basically allow users to create a ring fence around a protocol on XRPL to add in various compliance features.

Lending protocol

Cooper spoke about a new lending protocol coming to XRP Ledger, which will allow for credit origination on-chain. The launch of XRPL’s native lending protocol is expected in XRPL version 3.0.0 release later this year.

This protocol, defined in the XLS-65/66 specifications, introduces pooled lending and underwritten credit directly at the ledger level.





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October 4, 2025 0 comments
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NFT Gaming

XRP Ledger ‘Uniquely Positioned’ for Trillions in On-Chain Assets

by admin October 4, 2025



Ripple cryptographer J. Ayo Akinyele says he’s pushing to make the XRP Ledger (XRPL) the “first choice for institutions seeking innovation and trust” — and to do it with privacy-first tooling.

Akinyele, a senior director of engineering at Ripple, lays out the case in a blog post published Thursday, arguing that finance can’t function without confidentiality while public blockchains are built for transparency.

The way through, he says, is programmable privacy that lets “honest participants control what is revealed, to whom, and under what circumstances,” while still giving regulators the disclosures they need.

Privacy as infrastructure, not secrecy

Akinyele contends privacy on-chain should be a baseline protection, analogous to the encryption that secures online banking.

He points to zero-knowledge proofs (ZKPs) — cryptography that proves a statement is true without exposing the underlying data — as a mechanism for private but compliant transactions (for example, proving KYC completion without broadcasting identities to the entire network).

In his view, without built-in confidentiality, institutions won’t move core workflows to public ledgers; without accountability, regulators won’t sign off. ZKPs, selective disclosure and hardened wallet infrastructure are meant to square that circle.

Scaling without sacrificing trust

Beyond privacy, Akinyele argues scalability must not come at the expense of security or decentralization.

He highlights trusted execution environments (TEEs) for fair transaction ordering to curb frontrunning and confidential computation for running sensitive logic off-chain while emitting verifiable outputs — both intended to reduce market-structure risks without reverting to intermediaries.

Looking ahead, he sketches two milestones.

First, over the “next 12 months,” he says he’s focused on making XRPL the institutional default by applying ZKPs to enable private, compliant transactions that also improve throughput.

Second, in 2026 he expects confidential multi-purpose tokens (MPTs) — a forthcoming XRPL standard — to bring privacy-preserving tokenized collateral to market. That, he says, is an essential step for institutional adoption of real-world assets (RWAs) and DeFi (decentralized finance).

Akinyele also positions XRPL as “uniquely positioned to bridge” what he describes as “many trillions of dollars in assets set to move on-chain over the coming decade,” citing the ledger’s decade-long operating history, built-in decentralized exchange, escrow and payment channels as finance-oriented primitives already at the protocol layer.

“The future of blockchains belongs to builders who remove unnecessary trust,” he concludes — arguing that if systems can prove correctness, prevent misuse and protect data, public ledgers can deliver the privacy, compliance and efficiency institutions require.



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October 4, 2025 0 comments
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Crypto Trends

SWIFT to Develop Blockchain-Based Ledger for 24/7 Cross-Border Payments

by admin September 29, 2025



Global traditional finance (TradFi) payments system SWIFT said it is adding a blockchain-based ledger to its network.

SWIFT is working with a group of over 30 financial institutions to build a ledger that could make cross-border payments 24/7, based on a prototype by Ethereum developers Consensys, according to an announcement on Monday.

“The ledger will extend SWIFT’s financial communication role into a digital environment, facilitating banks’ movement of regulated tokenized value across digital ecosystems,” SWIFT said.

SWIFT is a messaging system that supports international bank transactions and is used by more than 11,000 financial institutions across over 200 countries.

Facing suggestions that it could be made obsolete by adoption of digital assets, particularly stablecoins, SWIFT has been experimenting with blockchain technology and tokenization for several years to try and get on the front foot against this potential disruption.

SWIFT said it envisages that the ledger will act as a real-time log of transactions between financial institutions, record, sequencing and validating transactions and enforcing its rules through smart contracts.



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September 29, 2025 0 comments
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Former Ripple Exec Breaks Silence on CBDC Experiment Impact on XRP Ledger
GameFi Guides

Former Ripple Exec Breaks Silence on CBDC Experiment Impact on XRP Ledger

by admin September 28, 2025


Former Ripple executive Anthony Welfare has broken silence on the impact of CBDCs experiment for XRP Ledger’s development.

From 2021 to 2024, Ripple became increasingly active in the development of central bank digital currencies.

In 2021, Ripple announced its partnership with the Royal Monetary Authority of Bhutan and the Republic of Palau for CBDC pilots.

Fast forward to 2023, Ripple announced CBDC partnerships with Montenegro and Columbia central banks. That same year, Ripple revealed a platform dedicated to central bank digital currencies powered by XRP Ledger.

This year, 2025, marked a significant shift for Ripple as it highlighted a new focus for its operations. In February 2025, Ripple unveiled a major redesign of its website that made no mention of central bank digital currencies (CBDCs), which sparked speculation that the company was stepping back from CBDC initiatives or simply keeping a low profile amid the U.S. anti-CBDC stance.

Former Ripple executive weighs in

While Ripple seems to have shifted focus presently from CBDCs, former Ripple executive Anthony Welfare, in a recent tweet, hinted that its prior efforts and engagement with CBDCs might not be a waste.

According to Welfare, “The entire CBDC work was very important to learn what the Central banks wanted and how the commercial banks are key, hence Stablecoins as the main focus.” This was essential as it prepared XRP Ledger ahead for the current advancements it is seeing.

Welfare stated, “The learnings in the 2021 to 2024 period greatly impacted XRPL development from both Ripple and the wider partner ecosystem, like you have twigged a very important time for preparing XRPL for the current world we live in and the exponential growth of Stablecoins we are seeing.”

Ripple launched its institutional-grade stablecoin Ripple USD (RLUSD) in December 2024, on XRP Ledger and Ethereum blockchains.

Welfare indicated a current focus on interoperability, noting that CBDCs, stablecoins and tokenized deposits need to work together to make them easier to use.



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September 28, 2025 0 comments
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XRP
NFT Gaming

Liquid Staking Debuts On XRP Ledger, What mXRP Means For Investors

by admin September 26, 2025


Trusted Editorial content, reviewed by leading industry experts and seasoned editors. Ad Disclosure

Midas, in partnership with Axelar, has launched the first XRP liquid staking token, mXRP. The token will provide investors with yields from the XRP DeFi ecosystem and further expand the altcoin’s utility. 

XRP Liquid Staking Token Launches

Midas revealed that the mXRP liquid staking token will be issued on the XRP Ledger EVM via the Axelar bridge, which also facilitates the transfer of the token to the Ledger. The tokenization platform noted that this is a first-of-its-kind tokenized exposure product, offering meaningful XRP-denominated yield strategies. The token is expected to provide an APY of up to 8% for holders, although Axelar indicated it could reach 10%.

In an X post, Panek Mekras, co-founder of Anodos Finance, which offers the token on the Ledger, broke down key details about the liquid staking token. He explained that token is a yield-bearing version of XRP that generates yields for its holders. As such, the price of mXRP should continuously grow against the XRP price and trade at a premium. 

Panek further stated that the yield comes from various strategies, including lending, market making, and depositing on DeFi protocols, among others. He noted that asset managers first lock XRP and then borrow against it in stablecoins, using the capital for various strategies to generate profits. 

The Anodos Finance co-founder also clarified that investors simply need to hold the staking token to claim their yields or redeem their XRP. He added that holders of the liquid staking token do not receive extra tokens. Instead, the yield and rewards are automatically added and embedded into mXRP’s value. 

Panek noted that token works similarly to other liquid staking tokens, such as stETH, jitoSOL, and sAVAX, meaning that those looking to get yields from it have to buy the asset and hold it. They can do this by selling XRP or adding new capital to buy the token. 

What mXRP Means For XRP

Panek indicated that the launch of mXRP is beneficial for XRP, as it will add constant buying pressure to the altcoin. He noted that Midas and Axelar said that the goal is to become a perpetual buyer of XRP. Meanwhile, every XRP used to mint mXRP is locked, thereby removing it from circulation. 

Flare Network also recently announced the launch of ‘FXRP’ to expand XRP’s DeFi. Panek noted that mXRP and FXRP are slightly different, but ultimately, both are beneficial for XRP and the XRP Ledger. mXRP’s capital is managed by asset managers who generate yield on behalf of investors. At the same time, FXRP is a trustless version of XRP on the Flare network, which doesn’t inherently generate yield but can be used in DeFi protocols to generate yields.

At the time of writing, the altcoin price is trading at around $2.84, down in the last 24 hours, according to data from CoinMarketCap.

XRP trading at $2.84 on the 1D chart | Source: XRPUSDT on Tradingview.com

Featured image from iStock, chart from Tradingview.com

Editorial Process for bitcoinist is centered on delivering thoroughly researched, accurate, and unbiased content. We uphold strict sourcing standards, and each page undergoes diligent review by our team of top technology experts and seasoned editors. This process ensures the integrity, relevance, and value of our content for our readers.



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September 26, 2025 0 comments
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XRP Ledger Issues Important Migration Alert for Validators: Details
NFT Gaming

XRP Ledger Issues Important Migration Alert for Validators: Details

by admin September 22, 2025


A crucial migration alert has been issued to XRP Ledger validators. As part of the migration of assets from the old XRPL Foundation (now known as Inclusive Financial Technology Foundation) to the new XRPL Foundation, the old XRPL Foundation’s published UNL, known as the default UNL or dUNL, is also being migrated.

With the new XRPL Foundation UNL currently active, validators whose XRP Ledger node currently trusts the UNL published by the old XRP Ledger Foundation are urged to migrate to it by making some changes to their rippled configuration.

Failure to switch or update to the new settings might cause validator nodes to stop loading the XRPL Foundation’s trusted validators list from Sept. 30, 2025, and entirely on Jan. 18, 2026, when the now-deprecated UNL expires.

For validators, if their rippled configuration remains unupdated within these timelines, the node could stop connecting to the network if it relies exclusively on the (old) UNL published by the XRPL Foundation. Also, there is a chance of disruption if referencing the old foundation list along with other lists, which makes the migration of the utmost importance.

‼️ Very Important.

The XRP Ledger Foundation dUNL migration deadline is approaching.

Please make sure you have the new validator list and keys to continue using it. https://t.co/uSoWDZKKBd

— Vet 🏴‍☠️ (@Vet_X0) September 22, 2025

Vet, a dUNL validator on the XRP Ledger, shared this crucial information in an X post, noting that the XRP Ledger Foundation dUNL migration deadline is approaching — it is only eight days away.

mXRP goes live

In a recent tweet, Axelar Network announced mXRP, a new yield-bearing liquid staked token that kickstarts DeFi on XRPL and unlocks up to 10% APY for XRP holders.

Midas, in partnership with Interop Labs, has announced the launch of mXRP on the Axelar network, a first-of-its-kind tokenized exposure product offering XRP-denominated yield strategies.

The mXRP token is issued on the new XRPL EVM through audited smart contracts. The XRP asset is bridged into the protocol through Axelar, which enables tokenization across over 80 blockchains, broadening access to mXRP.

XRP was trading at $2.84 at press time.





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September 22, 2025 0 comments
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Massive $415 Million XRP Transfer Hits Ledger, Ripple Rumors Follow
NFT Gaming

Massive $415 Million XRP Transfer Hits Ledger, Ripple Rumors Follow

by admin September 22, 2025


  • XRP price sell-off triggers cascade of liquidations
  • Bottom line

Whale Alert tracked a single transfer of 141,818,659 XRP, worth $415,624,232 at the time. At first, it appeared to be a typical mystery whale transaction, or possibly Ripple moving its supply.

However, on-chain data suggests otherwise, as both ends of the transaction are Kraken-linked addresses. The sending account’s last outbound transfer was for 99,018,954 XRP, and the receiving account — activated via a Kraken tag — now holds 141,818,661 XRP. 

This suggests internal shuffling between exchange wallets rather than tokens being released onto the market.

XRP price sell-off triggers cascade of liquidations

The transfer itself did not affect the price right away. XRP traded at around $2.85 after the alert was issued. It was not until approximately four hours later that Bitstamp showed a decline to $2.68 — a fall of around 6% from the intraday high — before recovering to above $2.82. 

The dump likely came from separate market flows, while the transaction was an event of exchange management that just happened to hit public feeds on the same day.

Bottom line

Major platforms commonly make these kinds of giant wallet moves to rebalance hot and cold storage, stage liquidity for clients or consolidate deposits. It is the notional size that grabs attention, because $415 million in one transaction is enough to raise eyebrows, even if the coins never touch the order book. 

Ripple was not involved here, but every time hundreds of millions of dollars’ worth of XRP are reshuffled on the blockchain, the conversation comes back to Ripple’s role.



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September 22, 2025 0 comments
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XRP
NFT Gaming

XRP Ledger XLS-86 Amendment Introduces New Firewall Layer – What To Expect

by admin September 18, 2025


Trusted Editorial content, reviewed by leading industry experts and seasoned editors. Ad Disclosure

The XRP Ledger (XRPL) is entering a new evolutionary phase with the introduction of the XLS-86 amendment, which brings a firewall layer directly at the protocol level. For years, crypto investors and institutions have raised concerns over scams and network vulnerabilities that erode confidence in blockchain technology. With this new amendment, XRPL is positioning itself as one of the most secure and institution-ready networks in the industry. 

About The XRP Ledger XLS-86 Firewall Amendment

Crypto analyst Stedas recently outlined in a post on X social media how the XLS-86 amendment will function as a built-in security layer to shield XRPL users from common threats that plague decentralized ecosystems. Unlike optional tools or third-party protection measures, this firewall amendment integrates security at the protocol itself, making defenses automatic and seamless for users. 

Stedas notes that the firewall will automatically warn users before they attempt to send funds to addresses flagged as risky, effectively preventing accidental transfers to scammers. A shared database across exchanges and wallets will reportedly serve as a coordinated defense, ensuring that malicious actors are blocked regardless of where they attempt to operate. 

Additionally, the analyst emphasized that the system will employ Artificial Intelligence (AI) to detect phishing attempts and fake domains, thereby providing proactive safeguards to prevent users from falling victim to these scams. Most importantly, Stedas stated that the XLS-86 firewall protection is not reliant on manual oversight or individual awareness, as it is embedded into the XRP Ledger rules. That means every user benefits from an equal level of defense, reducing the burden of vigilance that has historically fallen on retail investors. 

Analysts Call XRPL “BulletProof” With XLS-86

The broader crypto and XRP community’s positive reaction to the XLS-86 firewall amendment reflects just how transformative this new upgrade could be. In a recent X post, Market enthusiast Paul White Gold Eagle described the XRP Ledger as “bulletproof,” noting that the upcoming upgrade is not simply another incremental patch but a complete security overhaul.

According to his perspective, the firewall will stop authorized access, block malicious transactions, and prevent drain attacks—all major threats that have led to losses across other chains. By adding anti-scam protections at its core, XRPL addresses one of the crypto industry’s greatest vulnerabilities. 

Gold Eagle noted that phishing and fraud have long undermined adoption, but XLS-86 introduces institutional-grade security that could open the door to banks, governments, and Fortune 500 corporations. He emphasized that this new firewall amendment is the type of infrastructure that Wall Street pays attention to, as no other chain currently offers protocol-level firewall defenses. 

Other crypto community members echoed similar sentiments. ‘Chris_eth-’ on X stressed that XLS-86 features, such as automatic scan address flagging, coordinated forensics with exchanges and validators, and wallet warnings before risky payments, will collectively form a multi-layered shield for XRP users. Combined with recent fixes like the xrpl.js library compromise, this firewall amendment signals that the ecosystem is no longer tolerating security gaps.

XRP trading at $3.11 on the 1D chart | Source: XRPUSDT on Tradingview.com

Featured image from Adobe Stock, chart from Tradingview.com

Editorial Process for bitcoinist is centered on delivering thoroughly researched, accurate, and unbiased content. We uphold strict sourcing standards, and each page undergoes diligent review by our team of top technology experts and seasoned editors. This process ensures the integrity, relevance, and value of our content for our readers.



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September 18, 2025 0 comments
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XRP
NFT Gaming

Here’s What The New XRP Ledger Updates By Developers Mean For Investors

by admin September 13, 2025


Trusted Editorial content, reviewed by leading industry experts and seasoned editors. Ad Disclosure

Developers are getting ready to introduce a major security update on the XRP Ledger (XRPL) that could enhance investor protection. Known as XLS-86 Firewall, the amendment is designed to block scams and stop the loss of XRP tokens from wallets—a long-awaited safeguard for a community that has endured heavy losses in the past. 

How The New XRP Ledger Update Will Protect Investors

The XRP Ledger is preparing to roll out one of its most significant security-focused updates, known as the XLS-86 Firewall. Announced by a dUNL Validator identified as ‘Vet’ on X social media, the proposal aims to provide a safeguard against the increasing number of scams targeting XRP holders. At its core, the amendment is created to give investors greater control over how their transactions are executed, limiting the chances of bad actors draining their wallets.

The firewall will allow account owners to impose customized restrictions on outgoing transactions, including time-based limits and value-based thresholds. This means that even if an attacker manages to gain access to a private key, they cannot instantly withdraw funds from the account. Instead, these restrictions buy valuable time for the legitimate owner to react and secure their holdings. 

Another vital component of the amendment is the “whitelist” mechanism. With this feature, investors can authorize a list of trusted accounts that are exempt from firewall restrictions, ensuring that daily transactions are not disrupted. This design balances security with usability, giving users confidence that their systems are protected without adding unnecessary friction to daily workflows. 

Notably, activation of the firewall is left to the user’s discretion, allowing them to tailor security to their needs and risk tolerance. For retail investors and small enterprises, the upgrade offers a critical advantage by providing an extra layer of protection against scam attacks. 

Traditionally, multisignature protection has been touted as a robust security layer; however, it remains complicated for the average user to implement. By contrast, the upcoming XRPL firewall offers a more accessible solution that complements existing transaction flows. Its simplicity and promised defense against unauthorized transfers make it a potentially game-changing new security upgrade for XRP holders. 

Why XRPL Needed A Firewall Security Upgrade

The development of the XLS-86 Firewall did not arise independently but as a response to persistent and growing threats against the XRP community. Over the years, malicious actors have repeatedly exploited unsuspecting investors, employing tactics that range from phishing campaigns to impersonation scams. Just recently, the CTO of Ripple, David Schwartz, flagged a fake airdrop scheme that could have inflicted serious losses on unsuspecting investors had it gone unnoticed. 

Currently, the XRP Ledger does not provide any built-in safeguards to stop a compromised account from being drained instantly. However, with the development of the new firewall upgrade, XRP investors will be allowed to set protective rules that delay or restrict suspicious outgoing transfers, reducing the likelihood of catastrophic financial losses while still giving them full custody of their funds.

XRP trading at $3.16 on the 1D chart | Source: XRPUSDT on Tradingview.com

Featured image from Adobe Stock, chart from Tradingview.com

Editorial Process for bitcoinist is centered on delivering thoroughly researched, accurate, and unbiased content. We uphold strict sourcing standards, and each page undergoes diligent review by our team of top technology experts and seasoned editors. This process ensures the integrity, relevance, and value of our content for our readers.



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September 13, 2025 0 comments
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GameFi Guides

Forget Ripple Vs. SWIFT, BRICS Nations Are Building On XRP Ledger With Their Central Banks

by admin September 11, 2025


Trusted Editorial content, reviewed by leading industry experts and seasoned editors. Ad Disclosure

Ripple’s role in global finance is drawing new attention after Versan Aljarrah of Black Swan Capitalist revealed that central banks in BRICS nations have been building on the XRP Ledger. The findings suggest that the ledger is not an afterthought but a serious option in the bloc’s plans for cross-border payments. 

BRICS Central Banks Quietly Build On XRP Ledger

Versan Aljarrah says that the central banks of BRICS, along with the New Development Bank, have already been working with the XRP Ledger. According to him, the records show clear evidence that this work has been ongoing quietly for years. The archived papers he cites do more than just mention Ripple. They note that BRICS reports point to escrow and automation on the XRPL as tools that can handle the bloc’s cross-border payment needs by making transactions easier, quicker, and more secure.

With Ripples escrow, the system locks payments and then releases them automatically, while its automation tools streamlines the process, reducing the cost and time of transactions. These systems align directly with the vision of the BRICS nations to build a financial structure that operates independently and does not rely heavily on the U.S. dollar for clearing and settlement.

Aljarrah explains that the consistent references in official BRICS materials point to a pattern of deliberate engagement.​​ The bloc has spent years checking how XRPL can fit into its long-term financial system. By highlighting that the groundwork dates back years, Aljarrah draws attention to the quiet yet steady progress that has taken place in the background.

Evidence Suggests A Coordinated Digital Infrastructure Strategy

Versan Aljarrah also stresses that attention to the XRP Ledger has been consistent across several years of BRICS meetings, research papers, and economic forums. Repeated mentions of XRPL in policy papers suggest a coordinated and ongoing strategy, rather than a one-off experiment.

The evidence does not stop with research. Brazil’s central bank has published papers that name Ripple in its tests of distributed ledger systems. In the private sector, projects in Brazil are already using XRPL for tokenization and financing. The mix of research, pilot testing, and adoption indicates that BRICS is not standing by, but is actively exploring Ripple’s technology.

Aljarrah explains that this does not mean entire national systems have moved onto the public ledger. The evidence instead points to preparation. BRICS central banks are examining the strengths of the XRP Ledger, conducting pilots, and assessing its compatibility with their existing financial frameworks. 

As Aljarrah points out, this effort has been underway for years, even though the final move to large-scale adoption remains ahead. The big question now is whether the BRICS nations will take the next bold step and integrate the XRP Ledger into their core financial systems.

Price moves above resistance | Source: XRPUSDT on Tradingview.com

Featured image from DALL.E, chart from TradingView.com

Editorial Process for bitcoinist is centered on delivering thoroughly researched, accurate, and unbiased content. We uphold strict sourcing standards, and each page undergoes diligent review by our team of top technology experts and seasoned editors. This process ensures the integrity, relevance, and value of our content for our readers.



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September 11, 2025 0 comments
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