Clearpool Brings 50% Fee-Burn CLEAR Token to XRP (XRP) Ledger in Ethereum Exit

Clearpool Ditches Ethereum for XRPL

The credit protocol Clearpool has formally ended its exclusive ties to Ethereum, announcing that its lending infrastructure will move to the XRP Ledger and that its native token will migrate from CPOOL to CLEAR on a 1:1 basis. The step positions the protocol as Ripple's principal on-chain lending partner and targets the institutional capital market now opening on a network historically associated with payments rather than decentralized finance. For years, idle liquidity inside the XRP ecosystem sat unused while Ethereum, the dominant layer-1 for on-chain lending, absorbed nearly all credit activity. That balance shifted with the XRPL v3 upgrade, which introduced native lending mechanisms, and Clearpool is entering at the earliest stage with the stated aim of replicating Morpho's Ethereum model — which has drawn more than $14 billion in deposits — for real-world businesses and private credit. The expansion is tied to a commercial launch rather than a rebrand: together with Cicada Partners, Clearpool is standing up an institutional credit fund to finance fintech and payment companies, with all settlements and payouts conducted exclusively in RLUSD, Ripple's regulated U.S. dollar stablecoin. Ripple itself has joined the fund as a limited partner, supplying capital for the first lending pools — a follow-on to its recent 15 million RLUSD burn in treasury operations. The architecture is already being tested on Devnet while mainnet validators conduct the final vote on the lending-related upgrades. Hex Trust, a regulated custodian, will handle security, borrower verification and compliance, serving as one of the cross-chain bridges connecting the new XRPL pools to the ERC-20 rails institutional investors already use. The legacy CPOOL token, launched in 2021, had exhausted its incentives with 99% of supply distributed. To defend CLEAR's value, half of all protocol fees will buy back and permanently burn tokens, with the remaining 50% routed to active stakers; a 14-day forum discussion precedes a Snapshot vote.

Clearpool's official migration announcement on X

https://x.com/ClearpoolFin/status/2098294816534876180?s=20

GSmart AI Reaches Ripple Treasury

On September 10, 2026, Ripple announced a separate but strategically adjacent expansion: the GSmart artificial intelligence platform inside Ripple Treasury, the company's enterprise treasury-management offering, gains new AI agents covering cash-flow forecasting, liquidity, risk management, reconciliation and reporting. The design departs from typical generative AI deployments in corporate finance. Deterministic engines perform the actual financial calculations, while the AI layer interprets company policies, flags unusual conditions and explains each recommendation — a structure built to stop a faulty model output from becoming a live transaction. Every proposal remains subject to human approval, and the system traces which policy clause and data set each suggestion rests on. The Knowledge Studio module lets firms codify their own financial policies and controls, so a GSmart agent recommending an action displays the governing rule and waits for sign-off, while the Ask GSmart interface lets finance teams query company data in natural language. Adoption is already measurable: per Ripple's disclosure, 60% of eligible corporate clients have activated Risk Insights, and 44% use Forecast Insights, which compares projections against realized outcomes. Notably, the announcement discloses no mechanism requiring XRP usage for GSmart to operate, so any direct price linkage is limited for now. What the move does confirm is Ripple's positioning shift from blockchain payments firm to full-stack enterprise finance infrastructure, combining liquidity management, payments, risk, banking connectivity, digital-asset rails and AI on one platform, as detailed in our GSmart treasury rollout coverage. For readers weighing direct exposure to the token rather than the company's software, our guide on how to buy XRP walks through the practical steps. Readers tracking the market in real time can follow live spot and futures prices on Binance.

Two Fronts, One Institutional Thesis

Read together, the announcements sketch a single arc: Ripple is assembling institutional-grade finance infrastructure on two fronts at once — open credit markets on the XRP Ledger through Clearpool, and governed automation inside corporate treasury through GSmart. The load-bearing primary record here is Clearpool's own governance proposal, published on its forum, which fixes a 14-day discussion window before tokenholders decide via Snapshot; until that vote clears and mainnet validators finalize the lending upgrade, the XRPL credit market remains prospective rather than live. If the 50% fee-burn holds, CLEAR would be the first token to convert XRPL lending activity directly into deflationary demand — a mechanism that, set against CEO Brad Garlinghouse's long-run $10 trillion XRP market cap framing, shows how much now rides on institutional adoption rather than speculation.