XRP Academy Blog

Analysis, insights,
and education.

Deep dives into XRP, Ripple, and the future of cross-border payments.

Banking network diagram showing traditional correspondent banking vs ODL adoption rates with cost comparison charts
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
MoneyGram & Ripple: Partnership History & Lessons Learned

MoneyGram & Ripple: Partnership History & Lessons Learned

Ripple's highest-profile partnership ended not with integration success, but with a $50 million settlement and mutual separation—yet both companies emerged...

Mar 17, 202611 min
Ripple Japan Bank Partnerships: SBI & Beyond

Ripple Japan Bank Partnerships: SBI & Beyond

While Western banks debated blockchain viability in 2017, Japanese institutions were processing real payments across Ripple's network. SBI Ripple Asia enrolled 61 banks representing ¥200 trillion in assets—creating the world's most comprehensive blockchain banking deployment.

Mar 17, 202613 min
Ripple Partnerships 2025-2026: New Banks & Institutions

Ripple Partnerships 2025-2026: New Banks & Institutions

While headlines trumpet every new Ripple partnership announcement, the real story isn't who signed up—it's why institutional hesitation is finally...

Mar 17, 202615 min
XRP vs Competition: Stablecoin Analysis
Analysis

XRP vs Competition: Stablecoin Analysis

Stablecoin Analysis analysis and updates for March 2026. Comprehensive coverage.

Mar 17, 202610 min
Ripple Custody (Metaco): Enterprise Digital Asset Storage

Ripple Custody (Metaco): Enterprise Digital Asset Storage

Ripple Custody's $250 million Metaco acquisition delivers enterprise-grade digital asset storage with regulatory compliance, multi-party governance, and battle-tested security protecting $5+ billion in institutional assets.

Mar 16, 202615 min
XRP Guide: Wallet Setup
Technical

XRP Guide: Wallet Setup

Wallet Setup analysis and updates for March 2026. Comprehensive coverage.

Mar 16, 202610 min
Ripple Labs: Company History, Funding & XRP Relationship

Ripple Labs: Company History, Funding & XRP Relationship

Most people think Ripple created XRP—they didn't. This comprehensive analysis examines Ripple Labs' $293 million funding history, corporate evolution from OpenCoin to global fintech leader, and the legally critical distinction between the company and XRP asset that shapes institutional adoption strategies.

Mar 16, 202614 min
Ripple's Revenue Model: How Ripple Makes Money

Ripple's Revenue Model: How Ripple Makes Money

Most people assume Ripple makes money by selling XRP—and they're not entirely...

Mar 16, 202616 min
XRPL Developer Activity

XRPL Developer Activity

Developer Activity analysis and updates for March 2026. Comprehensive coverage.

Mar 15, 20268 min
Ripple Liquidity Hub: Institutional Crypto Trading Explained

Ripple Liquidity Hub: Institutional Crypto Trading Explained

Most institutional investors never touch the cryptocurrencies they trade—and that's exactly how Ripple designed its Liquidity...

Mar 15, 202613 min
What Is RippleNet? Complete Guide to Ripple's Payment Network

What Is RippleNet? Complete Guide to Ripple's Payment Network

RippleNet processed $30+ billion in 2024, yet remains misunderstood. This institutional-grade analysis examines the payment network's architecture, performance metrics vs traditional banking, and honest limitations facing enterprise adoption.

Mar 15, 202614 min
Ripple Payments (Formerly ODL): How It Works in 2026

Ripple Payments (Formerly ODL): How It Works in 2026

Most payment companies trap billions in nostro accounts while battling 3-5 day settlement times. Ripple Payments eliminates pre-funded accounts entirely, using XRP to settle cross-border transactions in seconds across 70+ markets with $15B monthly volume.

Mar 15, 202614 min
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