XRP Price Surges Amidst Rising Cross-Border Payments
Ripple (XRP) is gaining momentum in the crypto market again as cross-border payments increased, pushing the token price to $1.44 on Wednesday. The altcoin started making an uptrend after initial selloffs.
With a market cap of about $88 billion, XRP trading volume printed at $2.2 billion amid declining overall trading volume. XRP Ledger payments have recently surged, roughly doubling and pushing daily transactions into the multi-million range, even as XRP’s price response remains muted.
On-chain studies show that payments now account for over half of XRPL transactions, with daily payments rising from about 1 million to 2-3 million.
The jump is tied to cross-border payments, stablecoin transfers like Ripple USD (RLUSD), and growing institutional and automated (AI agent) use on XRPL.
XRP is still trading in a corrective range, so the key question is whether sustained payment growth eventually forces it to be used as a true liquidity bridge.
A recent analysis of 5,000 XRPL blocks found that about 53.2% of the more than 1 million sampled transactions were payments, confirming that payments are now the dominant transaction type on XRPL.
One study notes that the number of payments on the ledger has doubled over a recent window, while broader transaction counts are nearing 3 million per day, roughly triple the 1 million daily level seen in mid 2025, according to Evernorth’s CEO in a recent interview.
Other coverage highlights that XRPL has crossed a 1.5 million daily payment threshold, pointing to an ongoing expansion rather than a one-off spike.
Activity is increasingly tied to actual value transfer, not just speculative DEX or NFT noise, which is important for long-term network credibility.
XRPL is being used more for cross-border payments and settlement, backed by Ripple’s bank and fintech partnerships and its Ripple Payments product, which has reportedly processed over $100 billion in volume.
Stablecoins are a major driver: a recent study shows Ripple USD (RLUSD) accounts for the majority of transfers in the sampled blocks, and RLUSD’s market cap has climbed into the billion-dollar range.
At the same time, the network is integrating new use cases such as AI agents transacting via the x402 standard, and fee burns have spiked more than 300% in some 24-hour periods, reflecting heavier throughput even if the absolute burn amount remains small.
Despite the surge in payments and transactions, XRP’s price has mostly oscillated around the mid 1 dollar area, still below major moving averages and in a broader corrective structure.
Evernorth’s CEO argues that meaningful price repricing depends on XRP being used as a liquidity bridge at scale, with banks and enterprises holding XRP as working capital, not just routing retail or stablecoin payments through the ledger.
Crypto analysts said, “Going forward, the key signals are whether elevated daily payments persist, whether more settlement volume explicitly uses XRP (rather than just IOUs or stablecoins), and how upcoming escrow releases and institutional products (like treasuries or ETFs) influence net demand”.
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