Ripple is working towards integrating decentralized finance (DeFi) with regulated institutions through the XRP Ledger (XRPL), aiming to create a compliant and controlled infrastructure. According to NS3.AI, while essential elements such as stablecoin settlement and identity layers are operational, XRPL's liquidity is still limited compared to leading DeFi platforms. The success of this initiative depends on the ability of permissioned markets and tokenized collateral workflows to draw institutional volume. The utility of the XRP network is expected to rely more on its role in value routing rather than on token burns.

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