There is one thing about XRP and XRPL that I have seen many people not understanding - here, the infrastructure of DeFi is really growing rapidly, but the market has not yet fully recognized it.

Analysts like Zach Ractker have repeatedly pointed out that the development of DeFi on XRPL is a huge oversight. While everyone talks about fast payments, new possibilities of DeFi are emerging that are not yet reflected in the market price.

XRPL's DEX is actually one of the most overlooked aspects in crypto. Unlike other chains that rely on external smart contracts, it is built into the base layer and has been running since 2012. This means faster, more reliable, and less vulnerable to attacks. And this is very important for DeFi because security is the biggest concern.

2026 could be a pivotal year for XRPL's DeFi. The design decisions made years ago are now becoming crucial as institutions need secure, low-risk DeFi solutions. Tokenization, business on the ledger, all of this already exists on XRPL.

What is happening now is very exciting. XRP is also being used on other chains through versions like wXRP and FXRP, and over 94 million XRP have been bridged. Undo Finance has launched a tokenized treasury fund on XRPL. All of this is making XRPL a hub for institutional DeFi.

The current price is $1.38, but what is happening on XRPL is much bigger than that. If this pace continues into 2026, the growth of DeFi could be a major catalyst for XRP's market value. Many people still do not understand what is coming.