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BRICS officially cited XRP Ledger as a model for Digital Currency and cross-border trade settlement.
XRPL processed $1.3 trillion via Ripple ODL in Q2 2025, proving real-world adoption of XRP.
Mention in the BRICS report boosts XRPL’s credibility in global finance, even as BRICS explores its own system.
The XRP Ledger (XRPL) received major attention in September 2025 when it was explicitly mentioned in an official BRICS economic report. The report looked at how the group of BRICS nations - Brazil, Russia, India, China, and South Africa, with new members like Saudi Arabia and others joining - could create a BRICS-backed digital currency.
In that context, the report highlighted XRPL’s escrow and smart contract features as an example of how blockchain can be used to improve global trade settlements. This acknowledgement is important because it shows how one of the world’s largest economic blocs is seriously considering the technical design of XRPL while shaping its own digital financial systems.
The BRICS document mentioned “XRP Ledger, 2020” and discussed how it allows money to be placed in escrow until certain conditions are met. This is especially useful for international trade, where payments are often delayed or disputed.
Escrow on XRPL means funds only move once all sides of the contract have fulfilled their part. The report also looked at the ability of XRPL to support smart contracts for automatic settlement of transactions, which could make trade financing faster and more reliable.
At the same time, the report made it clear that BRICS nations are considering building their own smart contract system, likely on a private and permissioned blockchain. This means that while XRPL is admired for its features, BRICS may prefer to control its own system for reasons of sovereignty and security.
For XRPL, this mention is more than just a passing reference. It shows that its technical model has been validated at the highest policy level. Being studied by BRICS puts XRPL into the global spotlight, especially when discussions are about how to replace or reduce dependence on the US dollar and systems like SWIFT.
Some analysts have even suggested that such recognition could fuel much wider adoption of XRP, calling it a moment where the token could “go nuclear” in terms of usage and visibility.
This development also comes at a time when massive financial shifts are underway worldwide. Over the next two decades, nearly $84 trillion is expected to be transferred between generations. A portion of this wealth is expected to flow into digital assets, and XRP is seen as one of the leading candidates due to its proven role in payments and cross-border settlements.
Additionally, XRP has cleared one of its biggest regulatory hurdles. A US court appeal recently confirmed that XRP is not a security in secondary market trading. This provides much-needed clarity for institutions and paves the way for bigger adoption.
On the usage side, Ripple’s On-Demand Liquidity (ODL) service processed about $1.3 trillion in cross-border transactions in the second quarter of 2025 alone. These figures show that XRP is not only being discussed but is already being used at scale.
Also Read: XRP in September 2025: Key Price Scenarios to Watch
BRICS countries are also exploring “BRICS Pay,” a payment system that could reduce reliance on the US dollar and SWIFT by using blockchain technology. Reports suggest that XRPL could play a role here because of its efficiency. XRPL settles transactions in less than five seconds, charges fees as low as $0.00002 per transaction, and can cut costs by as much as 90% compared to traditional systems.
On top of that, the XRP Ledger can handle over 1,500 transactions per second and is far more energy-efficient than proof-of-work blockchains like Bitcoin. These features make it suitable for enterprise-level financial activity where speed, reliability, and sustainability matter.
Another reason XRPL is gaining strength is its growing acceptance among financial institutions. Partnerships with players such as J.P. Morgan, Santander, and PayPal have helped expand the reach of Ripple’s ODL services. With XRP now reclassified as a commodity in the United States, institutions have more confidence in integrating it into their operations.
XRPL’s token model also supports stability. About 55 billion XRP are locked in escrow and released at fixed intervals. This prevents sudden oversupply and builds greater trust for large-scale users. Such measures give institutions more confidence when dealing with an asset that could be part of global payment systems.
Despite all these positives, there are still uncertainties. BRICS has clearly signaled that it may prefer to build its own private blockchain with customized smart contracts. This could limit the role XRPL plays in the bloc’s future financial systems.
There is also strong competition from other blockchain projects. Stellar (XLM), for example, offers similar payment capabilities and may appeal to some governments and businesses for different reasons. At the same time, each BRICS nation has its own financial regulations and priorities, which can complicate coordination. Add to that the broader uncertainty around global regulation of cryptocurrencies, and it becomes clear that adoption is far from guaranteed.
Also Read: Is XRP Coin a Good Investment?
Even with these risks, the mention of XRPL in the BRICS report is a turning point. It elevates the technology from being just another blockchain solution to being part of discussions at the highest levels of international finance. This acknowledgment, combined with real-world adoption, regulatory clarity, and growing institutional partnerships, gives XRP a unique place in the changing global financial landscape.
The convergence of large-scale wealth transfer, advances in blockchain technology, geopolitical shifts, and growing institutional confidence creates strong momentum for XRPL. Whether or not BRICS fully adopts it, the recognition alone shows that XRPL is becoming a serious contender in the move toward a multipolar global economy. The years to come will show whether its technical strengths can align with political and financial realities to cement its role in the future of international trade and payments.
