The XRP Ledger is getting Ripple’s payments business — Effect on XRP?

Ripple [XRP] and XRP Ledger have been two sides of a coin for the longest time. Is that about to change?

Ripple wants XRP to fund payments

At XRP Seoul 2026 on 3rd October, Ripple President Monica Long discussed moving customer transaction volume directly onto XRPL. She went on to add that the company wants to expand a payment pilot that runs through the ledger’s DEX. They’d also link the payments business with the lending plumbing being built on XRPL.

The lending part of it all is very important here.

Ripple already has credit pilots in motion, and the proposal is for XRP to be in lending pools that could fund Ripple’s payment customers. With this, the native token would actually be a source of income for the businesses. That’s a very different job from just shuttling money between banks.

Could it move the token’s price? Yes, but also…no.

A very busy ledger and a more valuable token aren’t the same thing, and XRP holders need the second.

Can any of this help XRP?

So far, the market isn’t paying for the plan.

At the time of writing, XRP was trading at $1.49; down 1.7% in 24 hours. The token has spent two weeks between $1.47 and $1.55 since going up near $1.65 in late September.

Pace wasn’t that great either. RSI was near-neutral at 55. Chaikin Money Flow was back at zero after most of September in the red. That implied that while the sellers have been shaken off, the buyers haven’t showed up either.

The derivatives side of things also looked similar.

Open interest (OI) was flat at about $1.45 billion, and funding was back to a mild 0.0079%. This, after a brief negative turn a few days prior.

If Ripple actually turns XRP into loan capital for payment businesses, that could change.

Final Summary

• Ripple wants to move customer payment volume onto the XRP Ledger in 2027.
• The native token’s mild reaction proves that traders don’t care enough right now.