Blockchain-powered global payments are evolving fast. Companies now demand lower fees, faster settlement, and better capital efficiency. Into this shifting terrain steps XRP, once seen as a niche digital asset, now gaining serious traction for business-to-business liquidity use-cases, according to SMQKE.
From Theory to Practice
The enterprise play starts with Ripple Labs’s payment network RippleNet and its On-Demand Liquidity (ODL) service. ODL uses XRP as a bridge asset to instantly convert one fiat currency into another. Traditional systems require pre-funded nostro accounts; ODL sidesteps that entire requirement.
In one real-world example, payments provider Tranglo enabled RippleNet’s ODL across 25 payment corridors. The firm reported processing 250,000 transactions worth $48 million within its first 100 days.
This illustrates that XRP is no longer just a “potential” liquidity tool—it is operational now in enterprise flows.
“RippleNet enables financial institutions to efficiently handle B2B cross-border payments at lower costs by using Ripple's
XRP token for liquidity.”✅XRP 🤝B2B Payments
Documented.👇 https://t.co/hQ6UUJ7sJi pic.twitter.com/YquspPAegI
— SMQKE (@SMQKEDQG) November 2, 2025
Why Liquidity Matters More Than Ever
For treasurers and global payment providers, locked capital is a major drag on growth. Traditional cross-border systems tie up large amounts of foreign-currency liquidity. By using XRP, firms convert outgoing fiat into the token, move value globally in seconds, then convert back into local currency.
The benefits are multi-fold: lower funding costs, fewer intermediaries, and increased transparency. Early adopters are remittance firms and SME payment providers who face high costs under legacy systems.
Commercial Use-Cases Expanding
While remittances remain a headline use case, B2B cross-border payments are gaining traction. Platforms using Ripple’s ODL can pay suppliers, employees, or partners across countries quickly and cost-effectively. Reduced friction in payments supports global commerce and supply chain efficiency.
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— TimesTabloid (@TimesTabloid1) June 15, 2025
In addition, XRPL (the ledger underlying XRP) finalizes in 3-5 seconds, offering scalability and cost logic that traditional networks cannot match.
Headwinds and Considerations
Adoption is growing, yet key risks remain. The volatility of XRP can be a concern for treasurers hedging exposures. Regulatory clarity across jurisdictions varies. Also, while many banks participate in RippleNet, not all use the XRP bridge asset.
Thus, businesses must weigh internal risk governance, corridor liquidity availability, and regulatory status before full adoption.
The Bottom Line
SMQKE’s post signals that XRP has moved from a speculative asset to a functional enterprise utility. When combined with RippleNet and ODL, XRP is now leveraged by firms seeking faster, cheaper, cross-border liquidity.
For companies involved in global payments or treasury operations, the message is clear: this is a moment to reassess infrastructure, corridors, and liquidity strategy. The time to explore token-enabled rails is now.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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