Crypto pundit Pumpius has highlighted how XRP is quietly taking over with several upgrades and features on the XRP Ledger (XRPL). In line with this, the pundit also declared that this year will be the altcoin’s best year yet as it “moves the world.”
XRP Is Quietly Taking Over Institutional Finance
In an X post, Pumpius stated that while everyone is chasing memes and hype, the real story is that the XRP Ledger plumbing is quietly taking over institutional finance. He noted that in just two quarters, five massive protocol upgrades have dropped, and this is only the beginning for the network.
As for other bullish fundamentals for XRP, he noted that spot ETFs are launching while CME futures are hitting $1 billion in open interest. Pumpius also mentioned that Moody ’s-related Wall Street debt was issued on the XRPL and that Société Générale is integrating its digital euro on the network.
Meanwhile, the pundit noted that the institutional stack is live on the XRP Ledger. This includes the native lending protocol, Permissioned DEX, token escrow, and native zero-knowledge (ZK) proof technology. These features enable institutional investors to trade in a compliant, regulated environment.
Pumpius declared that the “quietest, strongest foundation in crypto” is now fully armed for trillions in real-world value. He added that 2025 was “noise” and that this year is when XRP actually moves the world. XRP treasury firm Evernorth also highlighted the growth the XRPL is seeing this year, with its institutional utility on the rise.
The firm shared data showing that transactions on the XRP Ledger have grown from 43 million to 71 million over the last year, a 65% increase. The top drivers of these transactions are Bitstamp, Ripple, Justtoken, Braza Bank, and VERT.
XRPL Validator Floats Idea Of Layer-2s On XRPL
XRP Ledger validator Vet recently floated the idea of layer-2s inside the XRPL layer-1, which could boost the network’s efficiency. He noted that such a move will keep the XRPL mainnet minimal and only used for things such as self-custody, settlement, and hard finality for the layer-2.
Vet also explained that the new layer-2 will run at a much higher TPS with its own features, a potential derivatives exchange, and rollups state to layer-1. He further noted that this will enable smooth interoperability between the two layers by collapsing the idea of a sidechain into a single place and addressing liquidity fragmentation barriers.
The XRPL validator admitted that there are still many issues to address. This includes memory bloat, network bandwidth usage, and timer contention, since both layers will run at different block speeds. At the time of writing, the XRP price is trading at around $1.45, down in the last 24 hours, according to data from CoinMarketCap.
