Crypto researcher SMQKE (@SMQKEDQG) recently highlighted a major development on the XRP Ledger. He revealed that Ripple has successfully combined blockchain technology with artificial intelligence to optimize cross-border payments.
The XRPL, a decentralized blockchain, enables real-time payment settlement, and Ripple’s platform now leverages AI to enhance transaction efficiency.
‼️ RIPPLE HAS SUCCESSFULLY COMBINED BLOCKCHAIN TECHNOLOGY AND ARTIFICIAL INTELLIGENCE ON THE XRP LEDGER‼️
“The XRP Ledger, a decentralised blockchain that enables real-time cross-border payment settlement, is used by Ripple's platform. Al is also used to optimise transaction… https://t.co/11yty1yccO pic.twitter.com/pFKJHzzUBF
— SMQKE (@SMQKEDQG) January 23, 2026
AI-Agentic Infrastructure Expands on the XRP Ledger
SMQKE’s post was a response to ChartNerd (@ChartNerdTA), a crypto analyst, who reported that AI-Agentic infrastructure is being deployed to support autonomous treasury operations.
According to the analyst, Evernorth is integrating t54’s agentic finance infrastructure and trust layer to bring verification, risk assessment, and compliance to AI-powered treasury management on the XRPL.
This integration is not limited to a single product, as both t54 and XRPL teams will collaborate to develop new products for the XRP ecosystem. The collaboration aims to expand the XRPL’s capabilities in AI-driven financial operations, enhancing efficiency, security, and operational intelligence across the network.
AI-Powered Transaction Optimization
The integration of AI on the XRP Ledger enables the optimization of transaction flows and routing choices. Financial institutions using Ripple’s platform can make dynamic decisions on the most effective payment routes. The system evaluates enormous volumes of payment data in real time, ensuring that transactions follow the most efficient paths.
This approach improves the speed and reliability of cross-border payments. By analyzing large datasets, AI adjusts routing dynamically to current network conditions and transaction volumes. The result is faster settlements and improved liquidity management for institutions.
Impact on Cross-Border Payments
Traditional international payments often involve delays, high fees, and reliance on complex intermediary networks. Ripple’s combination of blockchain and AI addresses these issues by providing a more streamlined, cost-efficient alternative. Real-time settlement is now possible while maintaining transparency and reliability, which supports the adoption of this approach by banks and other financial institutions.
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The XRP Ledger’s scalability ensures that the platform can handle high transaction volumes without reducing performance. AI determines optimal paths for payments, reducing latency and ensuring funds reach their destination promptly.
Ripple’s Position in Financial Technology
The integration of AI with the XRP Ledger marks a significant advancement in payment technology. Real-time processing allows institutions to respond quickly to market changes, improving overall reliability in international payments.
Ripple now provides a platform capable of handling complex, high-volume transactions quickly and accurately. Institutions using the system benefit from optimized routing, faster settlements, and reduced operational costs.
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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