XRP Ledger Active Users Climb Back Above 140,000 to 141,800 Addresses

XRP News

Network activity on the XRP Ledger has pushed back above the 140,000 daily active user mark, with on-chain data showing roughly 141,800 active addresses — one of the strongest readings recorded over the past month. The timing stands out to our desk: blockchain throughput usually thins ahead of weekends as trading volumes and transaction counts fade across the broader market, yet XRP Ledger participation held firm. Network metrics show active users dipped earlier in July before grinding higher through the middle of the month, and the latest push returned activity toward regional highs. One session does not confirm a trend, but sustained participation above 140,000 addresses is generally read as a marker of healthy network demand rather than a statistical blip.

Ripple has secured a crypto asset service provider licence under the European Union's Markets in Crypto-Assets framework, the bloc's unified rulebook governing issuance, custody and trading of digital assets across all 27 member states. The authorisation lets the company operate regulated digital asset services throughout the EU under a single passportable permission rather than negotiating each national regime separately. Attention across the XRP ecosystem has widened accordingly, with the licence landing alongside continued work on the RLUSD stablecoin, institutional cross-border settlement rails, real-world asset tokenisation and XRP Ledger development. The approval is a compliance milestone, not a demand event — no inflow figure has been disclosed.

Ripple chief executive Brad Garlinghouse used a recent public appearance to argue that the core failure of global payments is not complexity but interoperability — legacy systems were simply never designed to talk to one another. His contention is that friction concentrates at the point where money crosses a border, where transfers turn slow, expensive and error-prone, sometimes leaving funds in transit for weeks while senders chase them. Garlinghouse said an XRP transaction settles anywhere in the world in roughly four seconds at a fractional per-transaction cost, and framed speed and cost as the only two variables that matter to actual users of the technology.

Garlinghouse drew a direct comparison with Bitcoin to sharpen the point, noting that a Bitcoin transaction can take around 10 minutes to confirm and that network fees have at times climbed toward $10. He was explicit that the comparison was not a criticism of Bitcoin, but an illustration of divergent design goals. He also restated that XRP was never engineered for retail speculation: the intended customer is the bank or financial institution trying to solve a cross-border settlement problem. Reducing delay and cost in international transfers, in his framing, is a real deficiency in the existing financial plumbing rather than a theoretical one.

Interactive Brokers, one of the largest online brokerages globally, has published educational material on its IBKR Campus platform examining XRP's role in cross-border payments. The content positions XRP not as a tradable altcoin but as a bridge asset supplying liquidity between two fiat currencies. The worked example is concrete: a US bank sending money to Japan converts dollars into XRP rather than pre-holding Japanese yen, transfers the asset, and the recipient side converts it into yen for deposit. The brokerage says the method can complete settlement in as little as three seconds while cutting the need for pre-funded nostro accounts in each destination market.

The significance of that publication lies less in XRP's technical specifications than in who is describing them. A large traditional-finance institution framing the asset through payment settlement, liquidity management and capital efficiency — instead of price speculation — signals that institutional use cases are reaching a broader investor audience. Interactive Brokers noted XRP is optimised for payment settlement rather than application development, unlike Ethereum. The firm already offers clients XRP access, with trading and custody executed through Zero Hash. Critically, the material is not a partnership or payment integration announcement, and no commercial agreement between Interactive Brokers and Ripple has been disclosed.

XRP trades at $1.0804, down 1.83% over 24 hours, with a $67.5 billion market capitalisation. COINOTAG's proprietary 42-indicator composite S/R scoring engine rates the $1.0971 resistance at 77/100 — the strongest overhead level on our board, built on the confluence of the SMA 20, Bollinger middle band and Ichimoku Kijun. Above it, $1.1293 scores 70/100 (SMA 50, ATR Upper). Support at $1.0755 scores 64/100 (S1 pivot, MACD cross), sitting barely 0.5% below spot. Derivatives read as crowded: funding is a near-flat 0.0012% against $671.9 million open interest, yet the long/short account ratio at 3.26 puts 76.5% of accounts long — asymmetric downside if $1.0755 fails, with $1.0390 next. RSI at 43.61 and a Fear & Greed print of 27 leave the tape defensive; reclaiming $1.0971 is the bulls' minimum requirement.