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I just noticed an interesting aspect of the XRP Ledger that the market seems to be completely overlooking. With the current price at $1.41 and a market cap of $87.22 billion, most discussions still revolve around its payment use case, not what could be the biggest growth opportunity ahead.
Analysts and XRP community followers are pointing out that DeFi on XRPL is massively undervalued. The infrastructure for decentralized finance is quietly developing but has yet to be reflected in XRP’s market value. What makes this intriguing is that XRPL has advantages that differ from other DeFi platforms.
XRPL’s decentralized exchange has been built into the core of the system since 2012, not added later. This means that DeFi on XRPL offers greater speed, reliability, and a smaller attack surface because features like tokenization and trading are built into the ledger. This helps us avoid the smart contract risks seen on other blockchains. That’s why institutions are starting to pay more attention.
What’s changing is the expansion of institutional-level DeFi on XRPL. Last year, we saw the launch of a US government bond fund tokenized on the system. This is a clear sign that XRPL is becoming a hub for efficient on-chain finance. Additionally, XLS-66 has been proposed for native collateralized lending, which will open up lending at the protocol level.
More seriously, XRP itself is expanding outside of XRPL through wrapped forms like wXRP and FXRP. According to Flare Networks, over 94 million XRP are already connected. As revenue-generating strategies increase, XRP is shifting from an unused asset to one that produces returns.
Some leading XRPL auditors suggest that 2026 could be a turning point for decentralized exchange on the ledger. The fundamental design choices made years ago are now becoming more relevant, as the demand for efficient, low-risk DeFi infrastructure grows.
If the momentum continues, DeFi on XRPL could become a key factor in how the market revalues XRP. Right now, most of the market still hasn’t seen the bigger picture of what’s about to happen.