The XRP Ledger has surpassed 5 billion transactions, marking a significant milestone for the blockchain as activity expands across payments, tokenization and decentralized finance.

The transaction figure underscores the growing use of XRPL as blockchain-based financial infrastructure continues to develop. The network has increasingly been used for applications involving digital assets and financial settlement, with recent activity also indicating stronger interest in real-world asset tokenization.

According to the available data, XRPL recorded about $1.9 billion in real-world asset inflows over the past 90 days. The reported inflows exceeded those recorded by Ethereum and Stellar during the same period, suggesting that XRPL is gaining ground in a segment increasingly viewed as important to the institutional adoption of blockchain technology.

XRPL has surpassed 5 billion transactions while attracting $1.9 billion in reported real-world asset inflows over 90 days, strengthening its position in payments and institutional tokenization.

Institutional tokenization gains momentum

Real-world assets are becoming a larger area of blockchain development as financial institutions explore ways to represent securities, funds and other traditional financial instruments on distributed ledgers.

XRPL’s recent inflow figures suggest that the network is becoming more relevant to this trend. Tokenization can potentially allow traditional assets to be issued, transferred and settled using blockchain infrastructure, creating opportunities for faster settlement and more programmable financial products.

The reported performance against Ethereum and Stellar also adds to the competitive landscape among blockchain networks seeking institutional adoption. While Ethereum remains a major platform for decentralized applications and tokenized assets, XRPL’s focus on payments and financial use cases has helped establish a distinct position in the digital asset ecosystem.

The latest milestone comes as the broader financial industry continues to assess blockchain technology for uses beyond cryptocurrency trading. Increased activity in tokenized assets could provide networks such as XRPL with additional sources of transaction demand, while also making exchange access and developer support more relevant to how these networks scale in practice.

Gemini expands XRPL access in Singapore

The network’s development has also been accompanied by new access points for users. Cryptocurrency exchange Gemini has enabled XRP Ledger deposits in Singapore, offering another channel through which users in the market can interact with assets supported by the network.

The move is significant because access through established trading platforms can help connect blockchain networks with broader pools of users and capital. Expanding deposit functionality can also support the movement of digital assets between centralized financial platforms and blockchain-based applications.

Singapore has positioned itself as an important financial and digital asset market in Asia, making additional XRPL access there potentially relevant to the network’s broader institutional ambitions.

Thrilled to welcome @Mastercard as a sponsor of the XRP Ledger Hackathon we're co-hosting just before @RippleSwell . With a decade of proven robustness and architecture, the XRP network is ideally suited for payment use cases. Register, build, and connect with industry leaders… pic.twitter.com/grFxBfg8Vc — XRP Ledger Foundation (@XRPLF) August 26, 2026

Mastercard backs XRPL-focused development

XRPL’s ecosystem is also attracting attention through developer initiatives. Mastercard has backed an XRPL hackathon focused on applications combining artificial intelligence with financial services.

The initiative reflects growing interest in combining blockchain infrastructure with AI-based financial applications. Developers could use such technologies to explore automated financial workflows, intelligent transaction tools and other applications built around digital assets and distributed ledgers.

Mastercard’s support for an XRPL hackathon focused on AI-driven financial applications adds to the network’s efforts to attract developers and encourage new blockchain-based financial use cases.

XRPL’s role in evolving financial infrastructure

The combination of transaction growth, real-world asset inflows, expanded exchange access and developer activity points to broader expansion across the XRPL ecosystem.

The network’s latest developments come as financial institutions increasingly examine blockchain technology as infrastructure for payments, settlement and tokenized assets. XRPL’s established emphasis on financial transactions could position it to benefit if adoption of blockchain-based financial products continues to accelerate.

As per reports, the recent data indicates that XRPL is moving beyond its established payments-focused identity and gaining greater relevance in tokenization and decentralized finance. The network’s expanding activity across payments, real-world assets and emerging AI applications underscores its growing role in the development of blockchain-based financial infrastructure.

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