Altcoins News

Story: XRP Ledger Sees Big Shift as Retail Traders Exit and Institutions Step In

By MikeT

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The XRP Ledger (XRPL) is undergoing a major transformation in 2025. While the price of XRP recently reached a new all-time high of $3.

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Despite the lower number of users, the average volume, fee load, and liquidity provided per user have all gone up.

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Payments now make up 99.7% of all on-chain activity on the XRPL. Other types of transactions, like decentralized exchange trades and token swaps, are practically nonexistent by…

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This pivot comes just as XRP reached new price highs. A week ago, XRP soared to $3.5, making it the third-largest cryptocurrency by market capitalization.

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However, the excitement hasn't come without risks. Ripple CEO Brad Garlinghouse recently warned XRP holders about an increase in scams, particularly on platforms like YouTube.

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Still, despite XRP’s impressive run, the overall crypto market has cooled off slightly. On Wednesday, a broader altcoin pullback saw many tokens lose double-digit percentages.

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Much of XRP’s early popularity came from its dedicated retail fan base, sometimes known as the “XRP Army.

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This evolution could have long-term benefits. As the XRPL becomes a hub for institutional transactions, it may gain more stability and utility, reducing its reliance on hype and…

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While casual traders may no longer dominate the XRPL, the increasing activity from big players shows a maturing network.

The Currency Analytics

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