Banks Tap XRPL — Billions in Flows Expected

Ripple Clears the Path: Banks Ready to Flood XRPL with Billions

For years, Ripple has touted partnerships with over 300 financial institutions, yet on-chain activity on the XRP Ledger remained modest. The question lingered: with so many institutional connections, why wasn’t XRPL seeing massive volume? 

According to market analyst Diana, the answer wasn’t technological, it was regulatory and operational.

David Schwartz, Ripple’s former CTO and current board member, says institutions have long avoided direct on-chain settlements, not due to XRPL itself, but because banks lacked assurance that liquidity providers met strict regulatory standards. Until now, that certainty didn’t exist, blocking billions from moving through the XRPL.

Ripple removes the final barrier for banks on XRPL with Permissioned Domains, letting regulated institutions transact on fully compliant, verified networks. Confidence grows as XRP Ledger payments hit 1.88 million, underscoring rising real-world adoption.

Ripple Unveils Permissioned DEX, Unlocking Billions in Institutional XRP Flows

Ripple will launch its Permissioned DEX on February 18, creating the first-ever institution-only liquidity pools on XRPL. This provides banks a secure, regulated way to trade large XRP volumes directly on-chain, paving the way for billions in institutional flows previously impossible. 

Adding to the bullish outlook, the White House Digital Assets Advisor forecasts mainstream tokenization within 1–3 years, signaling strong tailwinds for the XRP Ledger.

With permissioned domains and DEX functionality, the XRP Ledger could evolve from a niche settlement network into a central hub for institutional liquidity. 

Analysts anticipate a surge in on-chain volumes once fully deployed, reinforcing Ripple’s vision of XRPL as the backbone for compliant, high-speed cross-border transactions. Tokenized commodities have recently surpassed $5B, led by Ethereum, Polygon, and XRP Ledger activity.

Ripple has cleared the final barrier for banks to adopt XRPL. With fully compliant, institution-ready infrastructure now live, billions could soon flow through the ledger. The next few weeks will show if this breakthrough sparks the mainstream adoption Ripple has long promised.

Conclusion

With permissioned domains live and the upcoming Permissioned DEX unlocking verified liquidity pools, Ripple has removed the final barrier for banks to fully leverage XRPL. This paves the way for billions in institutional flows, transforming XRPL from a niche settlement network into a regulated, high-speed hub for mainstream cross-border transactions.