This is a bit of a late entry into a race that was already running <\/p>\n
XRPL is one of several chains the x402 protocol supports, alongside other industry leaders like Solana and Ethereum. The protocol launched in May 2025, and by March 2026, it had handled roughly 35 million transactions on Solana, with stablecoins being the most dominant medium of exchange<\/a>. <\/p>\n Thus, the XRPL is arriving long after the early capital flows have been getting comfortable elsewhere. <\/p>\n But that doesn’t make it irrelevant, because Ripple is targeting a different set of users. <\/p>\n Ripple’s pitch to its target users, financial institutions, is fast transaction finality, predictable and low fees, and built-in compliance tools. Those users are likely curious about the possibilities of the agent economy, too, and the XRPL is positioning itself to be the place they go to quench that curiosity. <\/p>\n Even if this plan works, holders will barely feel it <\/p>\n Unfortunately, there’s a big catch here.\u00a0If Ripple succeeds in making the XRPL the place where financial institutions go to test out the autonomous financial capabilities of their AI agents, it would probably bring a lot of additional activity and capital to the network. But the network’s tokenomics guarantee that there isn’t a way for holders to get any upside from that if it happens. <\/p>\n Every XRP transaction burns a minuscule XRP fee<\/a> that isn’t paid to anyone; it’s destroyed. Since 2012, about 14.3 million XRP have been burned, or 0.02% of the float. April 2026 saw a record 71.5 million monthly transactions, translating to roughly 4 million XRP burned in a year. At that pace, removing even 1% of the coin’s outstanding supply would take more than 154 years. <\/p>\n So value can presently route through the chain without ever being captured in the value of XRP itself. And that makes it incredibly difficult for practically any new capability on the XRPL to be a game changer for the coin or its investment thesis. <\/p>\n Should you buy stock in XRP right now? <\/p>\n Before you buy stock in\u00a0XRP, consider this: <\/p>\n The Motley Fool\u00a0Stock Advisor\u00a0analyst team just identified what they believe are the\u00a010 best stocks<\/a>\u00a0for investors to buy now\u2026 and\u00a0XRP\u00a0wasn’t one of them.\u00a0The 10 stocks that made the cut are built for long-term growth and could produce monster returns in the coming years. <\/p>\n Consider when\u00a0Netflix\u00a0made this list on December 17, 2004… if you invested $1,000 at the time of our recommendation,\u00a0you’d have $418,761!*\u00a0Or\u00a0when\u00a0Nvidia\u00a0made this list on April 15, 2005… if you invested $1,000 at the time of our recommendation,\u00a0you’d have $1,195,804!* <\/p>\n That performance is why people listen. With a track record of\u00a0beating the S&P 500 by 4x,\u00a0Stock Advisor\u00a0offers a distinct advantage. Don’t miss the latest top 10 list, available with\u00a0Stock Advisor, and join an investing community built for the long haul. <\/p>\n See the 10 stocks \u00bb<\/a> <\/p>\n *Stock Advisor returns as of July 3, 2026. <\/p>\n Alex Carchidi<\/a> has positions in Ethereum and Solana. The Motley Fool has positions in and recommends Ethereum, Solana, and XRP. The Motley Fool has a disclosure policy<\/a>. <\/p>\n<\/a> Image source: Getty Images. <\/p>\n