Ripple has integrated artificial intelligence into the XRP (XRP) Ledger to optimize cross-border payment routing and transaction flows, marking the blockchain network's expansion beyond traditional settlement services into automated financial applications.
What Happened: AI-Blockchain Integration
An analyst known as SMQKE on X shared a case study detailing how Ripple combined blockchain technology with artificial intelligence to improve the speed, efficiency and cost-effectiveness of global transactions.
The AI-powered systems continuously process large volumes of payment data in real time. This allows financial institutions to make dynamic decisions on the most effective payment paths.
Analysts claim that BlackRock is now using Ripple's RLUSD stablecoin as collateral, calling the development "extremely bullish" for XRP. JackTheRippler suggested that with the REAL token launching on Jan. 26, some projections indicate up to $800 billion could flow into the REAL token on XRP Ledger.
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Why It Matters: Regulatory Clarity
Crypto analyst Xfinancebull highlighted that Caroline Pham, currently at MoonPlay, played a role in pushing utility regulation into the Commodity Futures Trading Commission (CFTC), helping shift policy toward real-world use cases.
Years ago, Brad Garlinghouse drew a phoenix that became part of XRP lore.
Xfinancebull noted that XRP is the same asset that survived the SEC's regulatory battles and now operates with legal clarity, growing integration and increasing relevance to government infrastructure.
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