What is XRP Ledger?

The XRP Ledger (XRPL) is this blockchain that emerged in 2012. Revolutionary for international payments. Truly impressive. In September 2025, it processes 1,500 transactions per second. Ultra-fast Settlement: 3-5 seconds. Fees? Ridiculous. Barely $0.0002.

Not like Bitcoin or Ethereum. No. XRPL forgets energy-consuming mining. It prefers consensus among trusted validators. Carbon neutral. A footprint comparable to a simple email server. It's quite remarkable, actually 🌱.

XRP vs XRP Ledger: understand the difference

Simple distinction, but crucial. XRP: the cryptocurrency. XRPL: the infrastructure. A bit like the Internet and emails. One enables the other.

At the beginning, 100 billion XRP created. Fixed supply. Immutable. The founders gave 80 billion to Ripple Labs. A profitable strategy, it seems.

Technical Functioning of the XRP Ledger

The unique consensus protocol 🔄

The system operates like a jury of experts. They collect. Propose. Share. The agreement requires 80% of the votes. Tolerance of up to 20% failure. Security preserved.

All of this repeats every 3-5 seconds. New block validated. Without wasting energy. Not bad.

Ultra-efficient transaction process ⚡

Your payment, cryptographically signed, travels through the network. Validators verify your funds. Consensus reached? Transaction engraved in the ledger.

From sending to settlement: a few seconds. Cost? About 0.00001 XRP. Ideal for any type of transfer.

The XRP Ledger ecosystem in 2025 🌐

native integrated DEX

The cool thing about XRPL? Its built-in decentralized exchange since 2012. Not an external app. A core feature. Exchange different currencies directly.

In 2025, the AMM boosts liquidity. Users create pools, earn fees. Smooth cross-currency payments. Automatic.

Tokenization and programmability 🔥

XRPL naturally supports:

• Stablecoins: RLUSD is booming in 2025
• NFTs: With automatic royalties
• Fungible tokens: For traditional assets

EVM sidechains attract Ethereum developers. The main network remains fast. Efficient.

Institutional adoption and CBDCs 🏦

Several countries are developing their CBDCs on XRPL. After Bhutan, Palau, and Montenegro, others are following. The advantages seem clear:

• 13 years without major breakdown
• Massive capacity
• Integrated Compliance
• Programmable currency

Revolution of cross-border payments 🌍

The classic problem persists elsewhere. Slow transfers. Costly. Limited to business hours.

XRPL changes everything:

• Instant settlement, all the time
• Tiny fees
• No more need for nostro/vostro accounts

By the end of 2025, XRP Ledger proves that a blockchain can be fast, economical, and green. And capable of supporting a complete financial ecosystem. From micropayments to national currencies. Not bad for a technology that emerged over a decade ago 🚀.