XRPL

Everything you need to know about XRPL compliance — XRP legal status, native features, and custody implementations.

Selected regulated companies using XRPL in production — stablecoins, payments, exchanges, custody, RWA, dApps. Each entry shows name + year + licensed jurisdictions.

💧Ripple (RLUSD)since 2024

USD-backed stablecoin issued on XRPL and Ethereum. Reference implementation of a regulated stablecoin using the XRPL IOU / Trust Line model with on-chain compliance primitives.

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💸Ripple Payments (RippleNet / ODL)since 2012

Cross-border payments infrastructure using XRPL for settlement (ODL — On-Demand Liquidity). One of the most broadly licensed crypto-payment companies globally: ~30 US state MTLs + APAC via Singapore MPI + UK EMI + UAE DFSA + Ireland CBI CASP for EU coverage under MiCA.

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🏦Shuman Financialsince 2023

Swiss/Liechtenstein-based RWA tokenisation platform bridging traditional capital markets with blockchain infrastructure. Uses XRPL for tokenised private debt issuance. Focus on institutional-grade private debt and structured products.

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🔼Upholdsince 2015

Multi-asset trading platform. XRPL-native since launch (2015) and a long-standing ODL corridor partner of Ripple. Regulated across US, UK, Lithuania (EU), and Australia, with mid-2020s transition to full MiCA CASP authorisation.

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🟢Bitstampsince 2011

One of the oldest crypto exchanges (since 2011). XRPL-native BTC/XRP trading pair and a historic Ripple ODL settlement partner. Acquired by Robinhood in 2024 (€200M deal) to anchor its EU MiCA presence.

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🚪GateHubsince 2014

XRPL-native wallet and exchange since 2014. One of the earliest implementers of the XRPL IOU / Trust Line model for issuing stablecoins and fiat-backed tokens. Slovenia-based; rebuilt KYC/AML stack after the 2019 breach.

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📈Archaxsince 2018

First UK FCA-authorised digital securities exchange (2020) — fully regulated under the MiFID-style regime, not just the crypto register. Tokenises traditional funds and uses XRPL for RWA settlement. Major Ripple partner targeting $1B+ in tokenised assets on XRPL by mid-2026.

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🔐Ripple Custody (Metaco + Palisade)since 2023

Ripple's institutional custody stack, built from two acquisitions. Metaco (Swiss-based, acquired 2023) provides bank-grade custody technology used by Citi, BNP Paribas and Société Générale Forge. Palisade (acquired Nov 2025) adds a France-licensed MPC wallet-as-a-service with native XRPL, Ethereum and Solana support — targeted at fintechs and crypto-native firms.

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🎮Futureverse (Root Network)since 2022

AI + metaverse infrastructure company behind The Root Network, an XRPL-EVM-sidechain-style chain optimised for gaming and metaverse experiences. $54M Series A in 2023 led by 10T Holdings with Ripple participation. Not a regulated financial entity — pure tech/gaming play.

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Xaman (XRPL Labs)since 2016

Reference XRPL mobile wallet (formerly XUMM, renamed Xaman in 2024). Strictly non-custodial — users hold their own keys and XRPL Labs has no access to funds. xApps ecosystem for embedded dApps, Tangem hardware-wallet integration, biometric signing. Operates under the FATF carve-out for non-custodial wallet software providers — no VASP / CASP licence required.

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🪙Sologenic / TX Networksince 2020

XRPL-native tokenisation platform for equities, ETFs and RWAs. Launched as Sologenic in 2020, rebranded and expanded to TX Network in 2025 as unified RWA + cross-chain bridge infrastructure. One of the largest XRPL-native projects by on-chain TVL; pioneered the on-chain stock / ETF model on XRPL.

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🧩Evernode (Xahau)since 2021

Decentralised dApp hosting on Xahau — an XRPL fork with native smart-contract Hooks. Each dApp runs as its own mini-blockchain on Xahau Mainnet, paid in EVR tokens. Open-source protocol with no central operator; registration and AML obligations sit at the dApp-operator layer, not at the protocol.

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🌐Peersyst Technologysince 2017

Andorra/Spain-based engineering firm and one of the most active XRPL builders. Lead developer of the XRPL EVM Sidechain (with Ripple) and the public testnet at evm.xrpl.org. Builds Levitation tools for XRPL state queries + ZK proofs, contributes core code to xrpl.js, and partners with public-sector clients on tokenisation pilots (e.g. Andorran government projects).

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🛡️Towo Labssince 2018

Swedish XRPL infrastructure firm focused on multi-signature security and on-ledger compliance tooling. Co-author of XLS-43 (Hardware-Wallet Signing Spec) and key contributor to XRPL.js. Their products + consulting underpin the multi-sig + SignerList implementations used by several institutional XRPL custodians and exchanges.

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