Fast Learn
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Ripple’s ODL platform processed greater than $15 billion in cross-border funds in 2024, a 32% enhance, and cumulative quantity crossed $95 billion as of January 2026.
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DTCC, which oversees $114 trillion in US capital market belongings, selected Stellar as the primary public blockchain to host its tokenized securities.
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Stellar’s fee quantity hit $5.5 billion in Q1 2026, a 72% annual enhance, and XLM surged 28% on the DTCC announcement whereas the broader crypto market fell sharply the identical day.
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XRP (CRYPTO: XRP) and Stellar (CRYPTO: XLM) have been each constructed to unravel the identical remittance downside. Worldwide funds are sluggish, costly, and routed via a series of correspondent banks that every add delays and take a reduce.
Each networks settle transactions in seconds for fractions of a cent, and each have spent years attempting to persuade the monetary system to make use of them. In 2026, Wall Avenue has lastly weighed in on every, and the verdicts are totally different.
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XRP Has the Quantity and Institutional Depth
Ripple’s On-Demand Liquidity service makes use of XRP as a bridge between two fiat currencies to settle cross-border funds in three to 5 seconds. The service processed over $15 billion in quantity in 2024, a 32% annual enhance. Over 300 monetary establishments use RippleNet infrastructure, however solely about 40% are actively settling in XRP. The remainder use Ripple’s messaging rails with none XRP publicity.
Cumulative Ripple Funds quantity crossed $95 billion as of January 2026. The community now spans greater than 70 forex corridors and covers an estimated 80% of main international remittance routes. The corridors producing most of that quantity run via Japan, the Philippines, and Mexico, the place legacy banking prices are excessive and demand for quick remittances is constant.
Furthermore, the CLARITY Act handed the Senate Banking Committee on Could 14 and would completely write XRP’s commodity classification into federal legislation. The March 17 SEC-CFTC interpretive ruling already gave XRP commodity standing, however an company ruling will be reversed by the following administration, whereas a legislation can not. However even with the quantity, the corridors, and the regulatory readability, XRP nonetheless has one unresolved downside.
Banks are utilizing the XRP Ledger with out essentially shopping for the token itself. A superb instance was the pilot on Could 6, the place JPMorgan, Mastercard, Ondo, and Ripple cleared a cross-border tokenized U.S. Treasury commerce on the XRP Ledger in below 5 seconds. The pilot proved the ledger works for institutional settlement at scale. However the settlement ran via RLUSD, Ripple’s greenback stablecoin, whereas XRP solely coated minimal community charges of round $0.00001 per transaction.
