XRP Ledger Hits 1.8M Daily Transactions as Ripple Targets Institutional Adoption

XRP Ledger averaged 1.8M daily transactions in H2 2025, backed by low fees and growing institutional focus.

Ripple’s XRP ledger witnessed an impressive run in the second half of 2025, driven by rising network activity. Particularly, new data points to payment volumes and long-term network reliability as key network drivers.

And this strong outing saw the network finish the year on a high note. With the previous year in mind, Ripple leadership is now focused on institutional use cases to shape the next phase of adoption in 2026.

Low Fees and High Volume Push XRP Ledger Into Spotlight

As captured in a recent network report, daily transactions on the XRP Ledger for the second half of 2025 touched 1.8 million. Additionally, transactions tied to payments totaled 42.2 million. And when calculated cumulatively, this figure stands at 20.9 billion XRP ($43.73 billion).

Even with the surge in network activities, transaction costs remained minimal. For example, median fees were pegged at an average of 0.000012 XRP ($0.00002 per transaction). On top of that, the network shed about 1.5 million XRP ($3.1 million) through fee burning over the past two quarters.

Looking at performance, XRP Ledger reports a throughput of over 1,000 transactions per second. Adding to this, transaction fees cost less than one cent, making it cost-effective for both individuals and institutions.

Stablecoins and Tokenized Assets Could Lead Next Adoption Phase

Ripple President Monica Long outlined several areas that could shape the adoption of digital assets this year. According to the Ripple chief, infrastructure will take precedence over retail speculation as the main driver of crypto assets. 

Long also emphasized on regulated and compliant systems. In fact, she believes institutional demand will drive the next phase of growth.

Key themes expected to guide that shift include:

• Expansion of regulated stablecoins for market use.
• Growth of tokenized, on-chain assets with real world utility
• The growing need for secure crypto custody services from top industry players.
• Automation of financial processes through blockchain and AI tools.

Long believes that within the next two years, financial institutions could fully rely on stablecoins for collateral movement in capital markets. And while retail usage will continue, Long expects B2B activity to dominate transaction volume. 

Over a five-year horizon, she also expects stablecoins to become embedded in global payment systems. Even more, the Ripple chief predicts closer integration between blockchain networks and AI-driven systems.

RippleX Issues Upgrade Notice as XRP Attempts Modest Market Recovery

On the technical side, RippleX issued a notice to XRP Ledger node operators. The notice urges validators to upgrade ahead of XRPL version 3.0.0 amendments scheduled to activate on Jan. 27. 

All amendments have already been triggered for mainnet use, and nodes running outdated software risk being amendment-blocked. Version 3.0.0 includes five fixes covering escrow logic, keylet fields, AMM rounding, delivered amount handling, and price oracle orders. 

Permissioned domains aimed at compliance-focused institutions are expected to go live on the fourth of next month.

While the Ripple network posted a strong record, XRP’s market movement has remained relatively quiet. At press time, the coin is exchanging hands at $1.92, following a 1% daily rise. 

As per technical pointers, XRP appears to be on a slow rebound after reaching oversold levels. Analysts have identified the $1.95–$2.00 resistance range as a key level for traders to watch. 

According to them, the coin could resume a northbound movement if it flips the immediate resistance. But for now, the broader crypto markets remain constrained by macroeconomic factors.

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