Quick answer: Most people still think XRP is just a payments token.
Published 06/22/2026. By Jake Claver.
Most people still think XRP is just a payments token. That's old information. Since XLS-30D went live on the XRP Ledger, it unlocked something that almost nobody in retail is paying attention to right now. The XRPL now has native AMM liquidity pools built directly into the same ledger that settles cross-border payments in about three seconds. Not through some third-party bridge or bolt-on protocol. It's baked into the chain itself. And that's what makes this different from something like Uniswap. Uniswap has liquidity pools, sure. But it doesn't have a built-in order book, a payment engine, and institutional-grade settlement rails all running on one ledger. XRPL has all of that, and now it also has automated market makers working alongside it. So what does that look like in the real world? Ripple Payments, which is already moving billions in cross-border volume, now pulls from those deeper AMM liquidity pools. That means tighter spreads and lower cost per transaction. And this isn't on some roadmap. It's live right now. The part that stands out to me is the yield angle. Liquidity providers earn from the spread on every trade flowing through these pools. So instead of just holding XRP and hoping the price goes up, you can earn a return on locked capital. And as more value locks into these pools, circulating supply gets tighter. More demand pulling from a smaller float, which puts pressure in one direction. David Schwartz has been describing permissionless global liquidity pools for years. That concept just became real infrastructure. So next time somebody tells you XRP is just for banks, ask them if they've looked into XLS-30D. Because the answer to that question tells you everything about where their research actually stopped.
Common questions about XLS-30D
What is the main point?
Most people still think XRP is just a payments token.
Who should pay attention?
Investors, founders, advisors, and researchers should pay attention when the topic affects asset protection, digital assets, tax exposure, market access, or long-term wealth planning.
What should readers verify next?
Readers should verify the current rules, check primary sources, compare the claim against their own facts, and talk with a qualified tax, legal, or investment professional when money is at stake.
This content is educational only. It is not tax, legal, or investment advice. Check primary sources and speak with a qualified professional before making financial decisions.
