Over $550 million deployed since 2017, and the transition now moves toward DAO-led and community-driven capital allocation.
XRPL tokenized assets reach $2.3 billion, with lending, confidential transfers, and EVM sidechain upgrades underway.
Despite ETF inflows of $1.3 billion+, XRPL TVL has fallen from $120 million to $49 million, signaling liquidity challenges.
Ripple transitions from a centralized grant-driven funding model to a broader, community-powered framework. After deploying over $550 million since 2017 across grants, accelerators, hackathons, and partnerships supporting nearly 200 global projects, Ripple is now repositioning itself as one participant among many rather than the primary capital gatekeeper.
Historically, Ripple has played an outsized role in the ecosystem both as a major developer and as the largest XRP holder, controlling roughly $57 billion worth of XRP, or close to two-thirds of the circulating supply, as of March 2025.
While XRPL operates independently, critics of XRPL funding operations have maintained that funding influence stays concentrated.
Under the new model, funding pathways are being diversified through decentralized governance, regional hubs, and venture partnerships.
Ripple has stated that the focus is now on expanding builder access to capital through independent routes rather than relying solely on company-backed programs.
The XAO DAO serves as the key governance structure, allowing token holders and ecosystem members to decide on microgrants, proposals, and funding distribution.
The framework of this system prevents one person from making decisions, enabling the community to control how funds are spent.
The XRPL Funding Hub provides builders with a single platform that enables them to access grants, accelerator programs, and venture opportunities.
The FinTech Builder Programme serves as a dedicated program that supports startups building institutional-grade financial products, including stablecoin, tokenization solutions, digital credit markets, and regulated fintech offerings.
XRP Asia provides developer support throughout the APAC region while the University Digital Asset Xcelerator (UDAX) academic project expands from UC Berkeley to new partner institutions in Brazil and the UK.
Also Read: XRP Ledger Launches Members-Only Bank Exchange: XRP Still Below $1.50
The proposed XLS-66d amendment is under voting and would introduce native on-ledger lending infrastructure. Activation requires an 80% validator supermajority for two consecutive weeks.
Another upgrade includes confidential transfers using zero-knowledge proofs, smart escrow enhancements, and integration of Multi-Purpose Tokens (MPT) with functions of a decentralized exchange.
A sidechain that is compatible with EVMs can be expected in Q2 2026. The aim is to attract Ethereum developers into the XRPL ecosystem.
Also Read: XRP Plunges 70%: Can History Bring an 835% Spike?
Tokenized assets on XRPL have reached approximately $2.3 billion, with $1.3 billion added just in 2026. Spot XRP ETFs launched in late 2025 have reportedly attracted over $1.3 billion in inflows.
However, Total value locked (TVL) in XRPL’s DeFi ecosystem has declined from $120 million in July 2025 to $49 million. This highlights the need for renewed liquidity and developer traction.
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