XRPL Commons

Did you know? 👀 You can now claim your magazine visual as a FREE NFT: communitymag.xrpl-commons.org For the community, by the community. 🔥 Read the latest edition: xrpl.at/pdf-XRPLMag7 @zsofi_b2

@lobstr @StellarOrg Small update here: The XRP reserve was voted down to 1XRP in 2025, so it only takes 1XRP to activate an account. You can always check this on xrpl.org, the source of truth for XRPL documentation xrpl.org/docs/concepts/…

Alright, class, XRP Ledger time! 🦞📒 ​ LOBSTR just expanded beyond @StellarOrg. You can now create or import an XRP Ledger wallet directly inside the app, and manage $XRP and $RLUSD without switching platforms. ​ Notebooks open, let's learn the network you just unlocked! 📖👇 1️⃣ What Is the XRP Ledger? ​ The XRP Ledger is a decentralized, open-source blockchain launched in 2012 by David Schwartz, @JedMcCaleb, and Arthur Britto, three of the same engineers who would go on to found @Ripple. ​ It was built with one core obsession: move value across borders fast, cheaply, and without intermediaries. ​ The numbers still hold up in 2026: ​ • 3–5 second settlement. Every transaction • Fees under $0.01, consistently • 1,500 transactions per second • Over 2.8 billion transactions settled since launch • Zero downtime since 2012 ​ Jake 🦞🤓: No downtime in over a decade? That's a serious uptime record. ​ Most traditional financial infrastructure can't say the same. The XRPL has been running quietly and reliably while everything around it was making noise. ​ Matt 🦞🤤: And XRP is the native token of this network? ​ Correct. XRP is used to pay transaction fees on the ledger. Those fees aren't collected by validators, they're burned. ​ Every transaction destroys a tiny amount of XRP permanently, making the supply slightly deflationary over time. ​ 2️⃣ How Does It Reach Consensus Without Mining? ​ The XRPL doesn't use Proof of Work or Proof of Stake. It uses something called the Federated Consensus mechanism, and it's worth understanding why that matters. ​ Here's how it works: ​ Every transaction is broadcast to the network. Independent servers called validators compare their records and vote on which transactions are valid. ​ When a supermajority of 80% or more agrees, the ledger closes and a new version is confirmed. ​ That's it. No miners competing to solve puzzles, no validators locking up collateral, no energy waste. ​ There are currently 150+ active validators on the XRPL, operated by universities, exchanges, businesses, and individuals worldwide. No single entity, including Ripple, controls the outcome. ​ Ripple runs one node. Everyone else runs the rest. ​ Ozzy 🦞😈: So Ripple doesn't control XRP Ledger? ​ Ripple is a contributor, not a controller. Any protocol change requires 80% validator consensus. Ripple can't push changes unilaterally, and can't override the network. ​ Jake 🦞🤓: And the carbon footprint? ​ Negligible. No mining means no energy arms race. The XRPL is one of the few blockchains that has been carbon neutral since launch. ​ 3️⃣ The Native DEX and AMM ​ Here's something most people don't know: the XRPL had a built-in DEX before "DeFi" was even a word. ​ The XRPL Decentralized Exchange has been running since 2012, directly on the ledger, with no external smart contracts required. ​ It uses an order book model, limit orders, global price discovery, tradeable pairs between any two assets issued on the network. ​ Then in March 2024, the XRPL added AMM support through the XLS-30 upgrade. Now it runs both systems simultaneously, just like Stellar: ​ • Order book: traditional limit orders, manual price setting • AMM: liquidity pools, automated pricing, passive fee income for LPs • Auto-bridging: when you trade two assets with thin liquidity, XRP steps in automatically as the bridge currency between them ​ Ozzy 🦞😈: So XRP acts as the default intermediary for illiquid pairs? ​ Exactly. Instead of a direct RLUSD/EURS pool needing deep liquidity, the DEX routes it through XRP automatically. Two liquid pairs instead of one illiquid one. ​ Matt 🦞🤤: And I can access the XRPL DEX through LOBSTR? ​ That's the integration. Your XRPL wallet inside LOBSTR gives you access to trade XRP and RLUSD directly, with the same simple interface you already know. ​ 4️⃣ Trust Lines and the Reserve ​ Two concepts you'll hit immediately when using your XRPL wallet: ​ Trust Lines ​ To hold any token other than XRP on the ledger, you need to set a trustline with the issuer. ​ This is the XRPL's anti-spam mechanism, you explicitly choose which assets can appear in your wallet. ​ Without a trustline, the asset simply won't show up, even if someone sends it to you. ​ Same logic as Stellar, different name. ​ The Base Reserve ​ Every XRPL account must hold a minimum of 10 XRP at all times. This is not a fee, it stays in your account. ​ It's a spam prevention mechanism that ensures accounts on the network represent real intent, not bots farming addresses. Each additional trustline you open increases your required reserve slightly. ​ Jake 🦞🤓: So I need at least 10 XRP just to activate my wallet? ​ Correct. Think of it as the entry deposit to participate in the network. It never leaves your account unless you close it entirely. ​ Matt 🦞🤤: Does LOBSTR handle the trustline setup automatically? ​ LOBSTR guides you through it. Adding an asset triggers the trustline prompt in the app, same flow as adding a Stellar asset. ​ 5️⃣ RLUSD and the Institutional Moment ​ RLUSD is @Ripple's dollar-backed stablecoin, issued natively on the XRP Ledger, fully redeemable 1:1 for USD. ​ It's not just another stablecoin. RLUSD is specifically designed for institutional settlement, cross-border payments, FX rails, and liquidity provisioning, with Ripple's compliance infrastructure behind it. ​ And the timing is significant. XRPL RWA activity surged 875% in recent months, pushing the ecosystem toward $2.5 billion in total value. ​ Institutions including Mastercard, BlackRock, and Franklin Templeton are already engaged with the XRPL ecosystem. ​ LOBSTR now lets over 1.3 million users store and transact RLUSD directly, in the same wallet they use for XLM and Stellar assets, in collaboration with @xrpl_commons. ​ Ozzy 🦞😈: So institutional money is flowing in, and retail access just got easier. That's a useful combination. ​ That's exactly the moment this integration is landing in. ​ Jake 🦞🤓: Is RLUSD available to buy directly inside LOBSTR? ​ Yes. Buy, store, send, and receive both XRP and RLUSD without leaving the app. ​ 6️⃣ To Conclude ​ Quick recap, what did we learn? ​ Jake 🦞🤓: The XRPL is a 12-year-old blockchain built for payments, with its own consensus mechanism, a native DEX, AMM support, and near-zero fees? ​ And it's been running without downtime since day one. ​ Matt 🦞🤤: And now I can access all of it, XRP, RLUSD, the DEX, without leaving LOBSTR? ​ One app. Two networks. No switching. ​ Ozzy 🦞😈: "Stellar for the ecosystem. XRP Ledger for the rails. LOBSTR for both." ​ That's the new reality. LOBSTR just got bigger. Class dismissed, dear LOBSTRS! Two networks, zero excuses! 🦞🩵

Back to the roots.

⚠️ L'obligation de déclaration des portefeuilles auto-hébergés ne sera pas mise en oeuvre. Après plusieurs mois d’échanges, la commission mixte paritaire (dernière étape parlementaire) du projet de loi contre les fraudes fiscales et sociales a supprimé l’article 3 quater. Cet article visait à créer une obligation déclarative annuelle pour les portefeuilles crypto auto-hébergés. Depuis novembre, l’Adan s’est mobilisée pour porter une position auprès des administrations, des cabinets et des parlementaires : renforcer la lutte contre la fraude, oui ; créer une obligation inopérante et risquée pour les contribuables, non. Nous remercions les membres de la CMP et les rapporteurs du texte pour leur écoute et leur lucidité, l’ensemble des interlocuteurs institutionnels avec lesquels ce travail a été mené, ainsi que les acteurs du secteur qui ont renforcé la mobilisation.

@42Blockchain_ @ParisBlockWeek Nice bags guys

The @42Blockchain_ crew at @ParisBlockWeek 2026 From winning two prizes at #HackTheBlock to the Carrousel du Louvre What a week for the 42 community #ParisBlockchainWeek #PBW2026

📢 Security Notice A fraudulent email is circulating impersonating XRPL Commons, sent from hello@officialcommbulletin.blog. It promotes a fake rewards portal (xcommons-update.live) and asks you to connect your wallet. 🚨 This is a phishing scam. ⛔ We will never ask you to connect your wallet via email ⛔ All official updates come through our verified channels only If you received this, delete it immediately. 🛡️ Stay safe.

@Ghost_xrpl @xmoonkie @lucbocahut @tatsuya_kohrogi @RL_Tracker Once selected for Glow, projects are eligible for 6 waves so we can help builders sustain.

@xmoonkie @lucbocahut @tatsuya_kohrogi @xrpl_commons @RL_Tracker All of them are on every wave

Just sharing details in case you don't know the Glow program by @xrpl_commons glow.xrpl-commons.org

The new XRPL Community Mag made the rounds at PBW ✨ This edition features incredible contributors from across the ecosystem — builders, researchers, and innovators shaping XRPL: @Krippenreiter, @panosmek, @evernorthxrp, @CryptoQueenAU, @AxiomProtocol_, just to name a few. See what everyone’s talking about 👇 xrpl.at/pdf-XRPLMag7

If you're a Web3 builder, Malta is the place to be this May. Come find us at the Chain of Blocks Summit 👀

🌅 @tatsuya_kohrogi wrote up his take on Glow — our retroactive funding program for XRPL developers. If you're building on XRPL, this one's for you: glow.xrpl-commons.org

Public blockchains have always had one problem: all transaction data is visible. To solve this, Boundless is working closely with @XRPL_commons to build and deploy the first ZK proof verifier on XRPL. Together, both teams are building a privacy layer that meets enterprise requirements without compromising compliance for institutions and enterprises. Now live on Devnet.

The era of onchain compliance in the XRPL ecosystem is coming with Boundless. → Smart Escrows are in progress, to be released later this year. → Smart Vaults with programmable ZK release conditions can be next. Privacy and compliance, built into the protocol layer in devnet stage, enabling confidential and compliant execution for @xrpl_commons

Proud to see SOIL mentioned in the XRPL Commons article as part of the Credit & Lending Product Working Group. It’s been a pleasure to contribute as facilitators and collaborate with builders helping move XRPL infrastructure forward.

@Quicknode : Aidrail Bringing transparency to humanitarian aid. Aidrail uses the XRPL to create an immutable audit trail for fund disbursement. With Xaman auth and smart routing, it ensures aid reaches those who need it with full accountability. 🎥 xrpl.at/aidrail

@boundless_xyz : Sirius (DataLend) DeFi lending mechanics applied to AI datasets. Providers encrypt data and mint Multi-Purpose Tokens (MPT) on XRPL to earn yield. Borrowers access data through temporary, permissioned loans controlled by XLS-80. 🎥 xrpl.at/sirius

🧵Looking back at Hack the Block Paris—the only hackathon of @ParisBlockWeek and it was on XRPL! 🇫🇷 Congratulations to everyone who made it a success! The ecosystem is growing stronger through your work. Check out the 10 winners pushing the boundaries of the XRPL! 👇