X Finance Bull, a well-known crypto influencer, recently highlighted a shift happening within the XRP ecosystem. In a post on X, he noted that “XRP quietly built what others are still pitching,” highlighting its compliance-ready architecture and institutional-grade features already live on the XRP Ledger (XRPL). His comments were accompanied by a detailed graphic that outlined how XRP is evolving from a fast payments network into a foundation for institutional Decentralized Finance (DeFi) . $XRP quietly built what others are still pitching Read this! KYC at the protocol layer. Tokenized bonds. Compliant stablecoins. Institutional lending standards baked in. This is not a narrative. It's already in motion. Institutions see it. Do you? pic.twitter.com/72brm1pEIy — X Finance Bull (@Xfinancebull) October 2, 2025 From Payments to Full Institutional Utility For years, XRP has been associated primarily with cross-border payments. That reputation is changing as the XRPL now incorporates compliance features such as KYC and AML directly at the protocol layer. According to the shared graphic, the ledger integrates regulatory tools, including decentralized identity and the clawback mechanism for security assurance. This allows banks and financial institutions to operate with confidence on infrastructure that aligns with regulatory standards. The development of institutional features does not stop at compliance. XRP has native order book decentralized exchanges combined with automated market makers under XLS-30. This provides optimal trade execution by merging liquidity pools with order books. These additions position XRP as more than a retail settlement token, giving institutions a platform capable of handling regulated activity. Tokenization of Real-World Assets The report in the graphic emphasized XRP’s potential role as the backbone for tokenized real-world assets (RWAs). Tokenized bonds, treasuries, and structured financial products are identified as key use cases. These instruments would be issued using a new multi-purpose token standard while maintaining security and compliance. Built-in pricing oracles and automated swaps provide further support for institutional integration. BlackRock and similar firms are projected to push more than $10 trillion worth of assets into tokenized markets by 2030 . XRP’s positioning as a compliance-ready solution makes it a candidate to host such tokenization efforts. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 By offering on-chain identity, liquidity management, and lending standards, the XRPL aligns with institutional investors’ demand before committing large-scale capital to blockchain networks. Institutional Lending and Credit Markets Institutional lending is set to expand in 2025 with XLS-65d and XLS-66d, which will bring risk-managed credit issuance, on-chain lending, liquidity vaults, and collateralized real-world assets. AMM-based FX and lending strategies are also planned. These tools target banks, asset managers, and institutions that require more than transaction speed, offering a foundation for regulated credit markets on blockchain. As X Finance Bull noted, “this is not a narrative. It’s already in motion.” With compliant stablecoins, tokenized bonds, and institutional lending, the XRPL is shifting from concept to live infrastructure, positioning XRP as a core liquidity layer for DeFi . Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Pundit: XRP Quietly Built What Others Are Still Pitching appeared first on Times Tabloid .