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$BTC XRP is drawing fresh attention as Clearpool pushes its institutional lending framework onto the XRP Ledger. The decentralized credit protocol is entering what it calls its next growth phase. This move ties XRP directly to a rising wave of institutional yield products. Clearpool Expands Institutional Credit on XRP Ledger Clearpool plans to build its lending infrastructure directly on the XRP Ledger network. The protocol will also migrate its CPOOL token to a new token called CLEAR. New participants will receive CLEAR for added capital, and existing holders will get a 1:1 swap. The XRP Ledger offers a proven network, and institutional credit remains largely untapped there. Clearpool intends to deliver real-world, institutional-ready lending infrastructure on the chain. This positions XRP as a foundation for a broader credit ecosystem. Two XRP Ledger standards support this shift: Single Asset Vaults and the Lending Protocol. Clearpool describes these as native, institutional-grade credit rails for XRP-based finance. The RLUSD stablecoin will serve as the regulated settlement asset within this system. Ripple Backs XRP Ecosystem Growth Through Clearpool Ripple has committed investment to help launch Clearpool’s yield products for XRP and RLUSD. This funding strengthens the broader push toward institutional-grade credit on the XRP Ledger. Ripple’s involvement signals continued confidence in XRP’s expanding financial use cases. Earlier, Ripple partnered with Cicada Partners and Clearpool to launch an institutional credit fund. That fund will issue loans backed by real-world assets as collateral. The partnership reflects a coordinated effort to grow XRP-based lending markets. Together, these moves link Clearpool’s protocol upgrade to Ripple’s wider strategy for XRP. Institutional demand for regulated, blockchain-based credit continues to grow steadily. XRP now sits at the center of that expansion. CPOOL to CLEAR Migration Reshapes Token Supply The migration to CLEAR will come with a full treasury recapitalization. Clearpool noted that 99% of CPOOL’s supply is already vested, and reserves are low. Additional resources are needed to fund further development and adoption. Under the proposed plan, 70% of new CLEAR supply goes to existing token holders. The remaining allocation splits across the ecosystem, treasury, and contributors. Total CLEAR supply will rise from 1 billion to 1.125 billion at migration. Over three years, circulating CLEAR supply is projected to reach 1.428 billion tokens. A buyback-and-burn mechanism will use half of protocol fees to purchase and destroy CLEAR. Community members now have fourteen days to weigh in before a Snapshot vote decides the outcome. This article was originally published as Clearpool’s Clear Token Migration Fuels XRP Ledger Growth on Crypto Breaking News – your trusted source for crypto news, Bitcoin news, and blockchain updates.

Despite short-term spot price volatility, on-chain utility across the XRP Ledger (XRPL) continues to reach new records, driven by surging stablecoin velocity and expanded adoption of Ripple's RLUSD. Data provided by real-world asset (RWA) analytics platform RWA.xyz shows that 30-day stablecoin transfer volume on the XRP Ledger has crossed $5.25 billion, marking an 18.21% month-over-month surge. The expansion signals robust network engagement even as XRP trades near key support floors above $1.35. Key Metric Highlights: On-Chain Volume vs. Market Cap The underlying network metrics highlight steady user participation and expanding capital efficiency across the XRPL: 30-Day Transfer Volume: Surpassed $5.25 billion, up 18.21% over the past 30 days. Active Stablecoin Holders: Increased 10.13% month-over-month to reach 80,740 unique addresses. XRPL Stablecoin Market Cap: Rose 26.04% in the past month to hit $1.10 billion, crossing the $1B threshold for the first time. RWA Token Holder Growth: Total tokenized Real-World Asset (RWA) holders on XRPL climbed 19.63% to 256 addresses. RLUSD Drives Dominance Across the XRP Ecosystem Ripple’s institutional-grade stablecoin, Ripple USD (RLUSD), remains the primary engine powering this volume growth: XRPL-Issued Valuation: RLUSD on the XRP Ledger now stands at $1.033 billion, representing a 26.86% valuation jump over the last 30 days. Distributed RWA Market Share: RLUSD’s share of the distributed RWA market on XRPL expanded by 10% month-over-month to reach 66.32% dominance. Holding vs. Velocity: While non-stablecoin RWA 30-day transfer volume slowed to $31.14 million, growing holder counts suggest institutional investors are opting to hold tokenized assets long-term rather than moving them across wallets. Essential Financial Disclaimer This article is strictly for educational, analytical, and news reporting purposes only and does not constitute financial, investment, legal, or trading advice. Digital asset markets and stablecoin products carry regulatory, liquidity, and smart-contract risks. Always conduct independent research (DYOR) and consult a certified financial advisor before committing capital. Is the continuous growth of RLUSD and stablecoin transfer volume on XRPL early proof of long-term institutional adoption? Share your on-chain analysis and market outlook in the comments below! 💬📊

$BTC Foreign media believe that stablecoin payment cards are not currently replacing traditional card organizations, but rather adding a new layer of funding and settlement capabilities to the existing bank card system. On-chain assets are responsible for transferring value, while Visa and Mastercard remain responsible for connecting this money to their global merchant networks. Merchants still use existing channels. When a user swipes a stablecoin card, the process seen by the merchant is similar to that of a regular bank card transaction. The issuing institution first verifies the wallet balance, then reserves or redeems the corresponding stablecoins, and subsequently sends the transaction to the acquiring bank and merchant through the Visa or Mastercard network. This means that most merchants do not need to configure encrypted wallets or directly connect to the blockchain. Restaurants, retailers, and online platforms can still use their existing acquiring systems; the backend simply uses stablecoins as a source of funds or a settlement tool. Stablecoins solve the problem of settlement efficiency. The article points out that stablecoins such as USDC can achieve 24/7 transfers and are more suitable for cross-border flows. However, retail payments are not just about transferring money from one end to the other; they also include transaction routing, merchant identification, currency conversion, refunds, fraud detection, and chargeback processing. These capabilities have long been provided by card networks. Completely bypassing Visa and Mastercard would require global merchants to replace their entire payment infrastructure, a highly difficult task in the short term. Therefore, a more realistic path for stablecoin cards is to transform back-end settlement without changing merchant acceptance methods. The two major card organizations are also integrating on-chain settlement. Visa stated that in 2025, the transaction volume of cards pegged to stablecoins was approximately $5.2 billion, a year-on-year increase of 319%; monthly spending on crypto cards was approximately $600 million. The article also mentions that Rain has used USDC to support 7-day settlement for Visa card projects. Mastercard has expanded its stablecoin settlement scope to cover USDC, PYUSD, and RLUSD, and is promoting weekend and intraday settlement. Visa is also providing USDC settlement capabilities to financial institutions, including arrangements through Solana. The focus of competition shifts to payment revenue. The article argues that future competition will not only focus on who processes payments, but also on who can capture the main revenue in the payment chain. Stablecoin issuers can earn revenue from reserve assets, while banks may face pressure from the diversion of deposits and some payment revenue. In contrast, Visa and Mastercard have the advantage of not relying on consumers holding bank deposits. As long as transactions continue to pass through their networks, both companies can maintain their central position in merchant acceptance and payment orchestration.

$XRP Ledger has fewer active accounts, but the money moving through it is getting bigger. Q2 data shows a notable shift in XRPL activity. Daily order-book traders fell roughly 40% YoY to about 1,100 accounts, yet order-book volume jumped 79% to 3.57M XRP per day. That means the average active account was moving nearly 3x more XRP than a year ago. At the same time, the value held on XRPL climbed to roughly $4.26B, driven heavily by tokenized assets and RLUSD. Average RLUSD balances reached $539M, up more than 600% YoY. So while daily transacting accounts fell 24% and new accounts dropped 25%, the network is handling more value with fewer active traders. That doesn’t prove institutions are replacing retail, but it does point toward a network increasingly geared toward larger-value activity and financial infrastructure. Is XRPL becoming less about user growth and more about attracting bigger capital?