AI agents are poised to expand XRP's use from digital transactions to real-world commerce by operating under user-defined spending mandates. This evolution, highlighted by Chandler Fang of AI startup t54, involves agents autonomously managing budgets, merchant restrictions, and approvals to complete purchases without direct user intervention. Ripple's backing of t54 and integration with Mastercard's Agent Pay program signals growing support for this model, which could embed XRP transactions invisibly within broader financial and business systems. Long-term adoption will focus on useful economic activity settled on the XRP Ledger rather than sheer transaction volume.
David Schwartz, Ripple's CTO emeritus, criticized the use of fee revenue as a performance metric for blockchains, arguing it overlooks the cost burden on users who pay transaction fees. This came in response to a suggestion on social media to increas...
The XRP Ledger has progressed toward launching its Smart Escrow feature by releasing the ninth Devnet update. This update includes a major backend shift from C++ to Rust for the WebAssembly virtual machine, boosting performance by 30-50%. Smart Escro...
Documents from financial institutions show XRP and Stellar Lumens (XLM) are categorized as specialized blockchain protocols designed for banks and institutional finance, unlike Bitcoin and Ethereum which serve broader public networks. These protocols...
The SEC and CFTC have jointly classified Bitcoin, Ether, Solana, Stellar, Tezos, and XRP as digital commodities, placing them under the Commodity Futures Trading Commission's regulatory oversight rather than the SEC's. This classification stems from ...
Ripple announced plans to move its customer payment volume onto the XRP Ledger (XRPL) by 2027 and to expand a pilot program using the ledger's decentralized exchange. At XRP Seoul 2026, Ripple's President Monica Long revealed a proposal to connect Ri...
