🔗 XRPL Just Went DeFi: EVM Sidechain Unlocks XRP for Web3

⚙️ XRP Gets a Brain Upgrade

XRPL just leveled up. Ripple launched XRPL EVM, a blazing-fast Ethereum-compatible sidechain powered by Cosmos SDK — and it’s about to blow open XRP’s DeFi future.

It’s smart contracts, IBC, and cheap fees — all in one place. Welcome to XRPfi.

💡 Why XRP Needed EVM

XRP is known for cross-border speed. But smart contracts? Not its thing. That meant no DeFi, no dApps, no composability — while Ethereum and Solana ran laps.

Now, thanks to Cosmos and Peersyst, XRPL gets EVM compatibility without bloating the mainnet. Result? XRP finally becomes programmable.

🔥 What XRPL EVM Unlocks

Here’s what’s already live on the public testnet:

• Smart Contracts: Solidity support, DeFi protocols, dApps
• DeFi Use Cases: XRP collateral, staking, gas payments
• Bridging: IBC + Axelar = asset flow between XRPL, XRPL EVM, and Cosmos chains
• Sidechain Structure: No lag on mainnet, full speed on the side

Over 10M testnet transactions, 87 new devs (never touched XRPL before), and 75+ active projects. No incentives. No airdrops. Just pure momentum.

🌌 Cosmos = Interoperability Engine

Built on Cosmos SDK + IBC, XRPL EVM connects with 120+ blockchains. That means XRP liquidity can flow freely between ecosystems.

It’s not just EVM-compatible. It’s multichain-native. A DeFi bridge between XRP, Ethereum, and Cosmos — no middlemen needed.

📈 What’s at Stake for XRP

Despite being a top-5 coin, XRP’s DeFi TVL? Less than 0.05%. Compare that to Ethereum (20%) or Solana (10%). Ouch.

But XRPL EVM could change that. If it hits just Polygon-level TVL, that’s 600M+ added. Arbitrum-level? You’re looking at 12B in DeFi liquidity for XRP.

🧪 What’s Next

Mainnet is coming. Over 90 projects are already building — from launchpads to oracles to DAOs. XRPL EVM is scaling without hype cycles — just infrastructure and devs that stick.

XRP is no longer just for payments. It’s now a DeFi asset. A collateral token. A gateway to Web3, powered by Cosmos.

TL;DR

• XRPL EVM brings smart contracts and DeFi to XRP
• Built on Cosmos SDK with IBC and Axelar for cross-chain assets
• 10M+ testnet transactions, 75+ projects, no incentives
• XRP can now stake, lend, and bridge — all EVM-compatible
• If XRPL hits Polygon/Arbitrum TVL levels, XRP becomes a DeFi heavyweight