Does XRP Have Smart Contracts? Hooks Explained
While Ethereum developers debate gas fees and Bitcoin maximalists argue over block sizes, XRP's answer to smart contracts has quietly been developing in a...
Apr 25, 202613 min
XRP Academy Blog
Analysis, insights,
and education.
Deep dives into XRP, Ripple, and the future of cross-border payments.
Featured
If ODL Saves Banks 60% on Costs, Why Have Only 15 Adopted It?
Despite ODL cutting cross-border costs by 60%, only 15 banks have adopted it. The barriers aren't technical—they're economic, regulatory, and organizational inertia.
Dec 5, 20257 min read
Will XRP Replace SWIFT? Realistic Assessment
SWIFT processes $5 trillion in daily payment instructions but doesn't move actual money—a distinction that fundamentally changes how we should evaluate XRP's potential role in correspondent banking evolution.
Apr 25, 20269 min
XRP Fair Value Calculator: Build Your Own Model
Professional XRP valuation requires disciplined frameworks, not wishful thinking. Learn to build institutional-grade models using transaction demand analysis, velocity calculations, and multi-scenario approaches that quantify uncertainty rather than defend point estimates.
Apr 24, 202610 min
Analysis
XRP Advisory Adoption Update
Advisory Adoption analysis and updates for April 2026. Comprehensive coverage.
Apr 24, 202613 min
Discount Cash Flow Model for XRP: Does It Work?
Every valuation model in traditional finance assumes cash flows—but XRP generates zero. Discover why DCF fails for utility tokens and the hybrid frameworks institutional investors actually use for $127 billion in XRP allocation decisions.
Apr 24, 202615 min
XRP Velocity of Money: How Transaction Speed Affects Value
The world's fastest payment network might be its own worst enemy for...
Apr 24, 202616 min
Ripple Xpring (Now RippleX): Developer Ecosystem Growth
Deep dive into how Ripple's $500 million Xpring initiative evolved into RippleX—a pragmatic developer ecosystem that achieved 340% growth in XRPL applications by focusing on real payment problems rather than DeFi speculation.
Apr 23, 202614 min
SBI Holdings: Ripple's Most Important Partner
SBI Holdings—Japan's $12.4 billion financial conglomerate—transformed Ripple from technology provider into operational payment infrastructure across Asia-Pacific. Analysis of $8+ billion in annual RippleNet transactions, regulatory wins, and strategic joint venture architecture.
Apr 23, 202614 min
Analysis
XRP Exchange Flows: April 23, 2026
Exchange Flows analysis and updates for April 2026. Comprehensive coverage.
Apr 23, 20268 min
National Bank of Egypt & Ripple: Africa Gateway
Egypt's largest bank deploys Ripple infrastructure for cross-border payments, creating pan-African settlement rails that eliminate $1.8 billion in annual correspondent banking fees while cutting settlement times from days to seconds. Analysis of technical architecture, regulatory framework, and continental network effects.
Apr 23, 202613 min
Ripple University Blockchain Research Initiative (UBRI)
While most blockchain companies chase headlines with token launches and exchange listings, Ripple took a radically different approach in 2018—one that would...
Apr 22, 202613 min
Tranglo & Ripple: Southeast Asia Payment Gateway
Ripple's strategic acquisition of Tranglo provides critical infrastructure access in Southeast Asia's $140 billion remittance market, demonstrating how blockchain adoption occurs through established payment networks rather than revolutionary disruption.
Apr 22, 202614 min