XRPL stablecoins near $1B as Ripple pushes AI payments

Stablecoin liquidity on the XRP Ledger increased sharply over the past month to a range of roughly $770 million to $902 million, according to on-chain trackers. One tracker reports a roughly 97% rise in 30 days to about $770 million, while another estimates the ledger’s stablecoin market capitalization at about $901.7 million and records 30-day transfers of $4.95 billion.

The growth is concentrated in RLUSD, Ripple’s stablecoin. One tracker shows RLUSD represents nearly 99% of stablecoins on the ledger, with about $762 million issued there. A separate tracker lists RLUSD’s market capitalization across supported chains at roughly $1.65 billion. The concentration gives Ripple a dominant position in the ledger’s dollar-denominated assets.

Ripple released an XRPL AI Starter Kit aimed at developers building payment flows for autonomous software. The package includes a server that lets compatible AI coding tools query XRPL documentation, Claude-based integrations for wallet creation and payments, and tutorials for composing agent transactions. The ledger also added support for x402, an open payment standard based on HTTP 402 “Payment Required,” enabling payments in XRP or RLUSD for API calls, model inference and other digital services.

Ripple highlights technical features of the ledger for agent-driven payments: transactions that settle in seconds, predictable fees, and payments processed at the protocol level. The ledger supports escrow, multi-signing, deposit authorization and trust lines, which can restrict who an agent may pay and set conditions on transfers. RLUSD provides a dollar-denominated unit intended for invoicing, subscriptions, payroll and treasury transfers while keeping settlement on the XRPL.

A major payments network launched a service this week designed to let software agents and connected devices transact at machine speed. Ripple is listed among participating firms alongside several exchanges, payments companies and infrastructure groups. Markus Infanger, senior vice president at RippleX, noted that enterprises will allow autonomous agents to operate at machine speed only if controls move with them and added that XRPL and RLUSD can provide settlement, predictable costs, compliance parameters and audit trails. Jazzi Cooper, head of product at RippleX, predicted that payments over the next decade may no longer be run mainly by humans and that autonomous agents should be treated as a primary user group for financial infrastructure.

Activity tied to agentic payment protocols has grown on multiple networks. A data firm reported agentic payment transactions on one layer-2 network surpassed 100 million within several quarters after late 2025, while cautioning much early activity included speculative token farming. The same firm said transactions of at least $1 now represent about 95% of total value transferred through those protocols, up from about half previously.

Industry forecasts project agentic payments could expand from roughly $7 billion today to as much as $182.97 billion by 2033. If stablecoin supply on the XRP Ledger exceeds $1 billion before month-end, the ledger will reach that milestone in dollar-denominated assets. Future on-chain transfer patterns will show whether agent-driven use generates sustained payment volume and whether firms adopt RLUSD for settlement.