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
The Jed McCaleb XRP Sales: Complete History
Analysis

The Jed McCaleb XRP Sales: Complete History

Jed McCaleb sold billions of XRP over years. The complete history of his token sales.

Apr 16, 20259 min
The Ripple Founders' XRP Holdings
Analysis

The Ripple Founders' XRP Holdings

Jed McCaleb, Chris Larsen, and Arthur Britto's XRP. What happened to founder allocations.

Apr 15, 20259 min
Total XRP Burned to Date: Running Count
Technical

Total XRP Burned to Date: Running Count

Tracking total XRP destroyed through transaction fees. Current count and projection forward.

Apr 14, 20256 min
XRP's Deflationary Mechanism: Transaction Burn
Technical

XRP's Deflationary Mechanism: Transaction Burn

Every XRP transaction burns a tiny amount. The long-term deflationary impact explained.

Apr 13, 20258 min
Payment Channels on XRPL: Off-Ledger Scaling
Technical

Payment Channels on XRPL: Off-Ledger Scaling

XRPL payment channels achieve 50,000+ TPS with 99.99% cost savings through off-ledger scaling. Technical analysis of architecture, implementation challenges, and real-world deployment strategies.

Apr 12, 20255 min
XRPL Amendment Process: How the Network Evolves
Technical

XRPL Amendment Process: How the Network Evolves

XRPL evolves through amendments. How the governance process works and recent changes.

Apr 9, 202510 min
Stablecoin Market Structure: Post-GENIUS Act
Regulatory

Stablecoin Market Structure: Post-GENIUS Act

The GENIUS Act is reshaping stablecoin regulation. How the new framework affects RLUSD.

Apr 8, 20259 min
Why Ripple Wanted Circle (And What It Means)
Analysis

Why Ripple Wanted Circle (And What It Means)

The strategic logic behind Ripple's Circle bid. What the failed acquisition reveals about Ripple's plans.

Apr 7, 20258 min
Ripple Circle Acquisition Attempt: The $5B Story
News

Ripple Circle Acquisition Attempt: The $5B Story

Ripple offered $5 billion for Circle. They said no. What this tells us about the stablecoin market.

Apr 6, 202512 min
RLUSD Growth: Four Months In
Analysis

RLUSD Growth: Four Months In

RLUSD after four months: market cap, volume, adoption metrics, and competitive position.

Apr 4, 20256 min
International XRP ETFs: Pressure on US
Regulatory

International XRP ETFs: Pressure on US

XRP ETFs launch abroad while the US waits. How international products pressure SEC approval.

Apr 3, 20258 min
Brazil Launches First XRP Spot ETF
Investment

Brazil Launches First XRP Spot ETF

Hashdex launches the world's first XRP spot ETF in Brazil. International markets lead the way.

Apr 2, 20259 min