XRPL Breakthrough: 40K+ Daily Transactions Mark Historic Momentum

The XRP Ledger (XRPL) is showing signs of a major revival. Daily account transactions recently spiked above 40,000, levels not seen in years, indicating heightened activity across wallets, trust lines, and institutional setups.

This surge reflects increased adoption of decentralized features, including automated market makers (AMMs) and RLUSD stablecoin corridors. Observers note that while ETFs continue absorbing XRP supply and exchanges report thinning liquidity, on-ledger utility is accelerating.

Source: X

Blockchain insiders think this might be the inflection point. Veteran contributors to XRPL view the recent spike as proof that the network was moving from guesswork trading into real, practical use.

However, some warn that growth won’t last with higher numbers of transactions alone; it needs a clear push to make it easier for the mainstream to use.

Also Read: Next-Gen XRPL Wallet from Anodos Simplifies Onboarding and Rewards Users

Integrating Mainstream Payment Rails

Industry expert Panos Mekras, founder of Anodos Finance, says that XRPL has a small window in 2026 to become a top-tier network. For this, development should focus on getting more people to use the chain, expanding liquidity, and increasing the pace of funding for builders.

He says the biggest bottleneck remains in infrastructure and distribution: XRPL is still mostly insular, with fractured, high-fee gateways limiting seamless on- and off-ramp options.

Mekras suggests that mainstream payment rails like Visa and Mastercard should be integrated directly into the apps that utilize the XRPL, allowing for real-time use of digital assets.

He also says more significant-scale stablecoin adoption is required, and that RLUSD’s $1 billion market cap pales in comparison to competitors that hold billions in circulation.

XRPL as a Protocol-Layer Finance Stack

Mekras sees XRPL developing into a finance stack at the protocol level, which would enable functionalities like aggregated liquidity and a single DEX.

Projects like XRPFi have been proposed with the intention of unlocking more than $100 billion of dormant XRP in a yield-bearing environment, or there could be liquid staking tokens, including mXRP, offering 5-10% APR.

A main priority, he says, is invisible infrastructure. Users should use apps without ever dealing with trust lines or account reserves. Things like Sponsored Fees (XLS-68) and Batch Transactions are important to lower friction and make it easier to onboard users.

Another point of criticism from Mekras is the way funding is handled nowadays. According to him, Ripple’s 2022 pledge of 1 billion XRP has given developers less than $50 million over four years. 

Also Read: Next-Gen XRPL Wallet from Anodos Simplifies Onboarding and Rewards Users