XRP News Today: XRP Ledger Sees 24% Account Surge, 5.1 Million Transactions in a Day

Ripple’s Chief Technology Officer, David Schwartz, has highlighted the potential of the XRP Ledger (XRPL) to enable institutions to create compliant financial instruments. These instruments, such as real estate or commercial loan portfolios, can interact seamlessly with decentralized systems, effectively bridging regulated finance and decentralized finance (DeFi). This capability reflects Ripple’s vision of a financial system that is both compliant and decentralized. Schwartz illustrated how a traditional lender could issue regulated real estate or commercial loans, then tokenize the debt for broader access through DeFi, allowing anyone to hold these assets in a fully decentralized system.

By positioning XRP Ledger as a core infrastructure for real-world asset tokenization and cross-border liquidity, institutions can leverage the network’s interoperability features, low transaction costs, and rapid settlement time of between 3 and 5 seconds. This strategic move is part of Ripple’s broader quest to create a decentralized and compliant financial system.

The XRP Ledger is experiencing significant growth in mid-2025, driven by real-world utility, institutional trust, and strategic upgrades. The network recently processed a record 5.1 million transactions in a single day without congestion or fee spikes. This surge was powered by decentralized exchange (DEX) trades and NFT minting, underscoring genuine ecosystem usage. With average fees under $0.01 and finality in seconds, XRPL delivers scalability and cost-efficiency unavailable on many legacy and smart-contract platforms.

Since early 2024, the number of XRPL accounts has surged by roughly 24%, rising from 5 million to over 6.2 million. Daily active addresses recently spiked past 295,000, up from a monthly average of 35,000–40,000, evidence of growing network engagement beyond token speculation. Institutional confidence is palpably growing, with whale wallets holding more than 1 million XRP recently hitting a record of 2,700, each representing roughly $2.25 million, a clear sign of strategic accumulation.

Part of this momentum was fueled by XRPL’s technological evolution, with the recent Apex 2025 summit showcasing key additions to the network, such as compliance-first programmability, the RLUSD stablecoin, and tokenized U.S. treasuries. Furthermore, the imminent EVM-compatible sidechain launched on June 30 will enable Solidity-based dApps on XRPL, unlocking DeFi, non-fungible tokens (NFTs), and cross-chain swaps via efficient architecture.

XRP has just triggered a major bullish signal with a Golden Cross forming on its 2-day Moving Average Convergence Divergence (MACD) chart, sparking renewed interest across the crypto market. A Golden Cross on the MACD chart signals a potential bullish trend reversal or strong upward momentum. With this technical indicator popping up in XRP, the 4th-largest cryptocurrency is witnessing growing bullish momentum and suggests a potential price breakout or rally is ahead, especially at a time when the approval rate of an XRP exchange-traded fund (ETF) has jumped to 95%.

The XRP Ledger continues to showcase itself as a network that has all it takes to be a full-fledged institutional blockchain platform. Across network activity, institutional backing, ecosystem expansion, and technological upgrades, XRPL is emerging as a blockchain built for serious adoption. Therefore, XRPL can be a major catalyst for XRP’s next leg up as a golden cross takes center stage on the altcoin’s MACD chart.