**Ripple** has integrated artificial intelligence (AI) into its XRP (XRP) ledger to optimize cross-border payment routing and transaction flows. This demonstrates that blockchain networks are expanding beyond traditional payment services into automated financial applications.
What happened: AI-Blockchain Integration
Analyst SMQKE of X shared a case study on how Ripple has combined blockchain technology and artificial intelligence to improve the speed, efficiency, and cost-effectiveness of global transactions.
AI-based systems continuously process large-scale payment data in real time. This allows financial institutions to make dynamic decisions about the most efficient payment routes.
Analysts stated that **BlackRock** is currently using Ripple's RLUSD stablecoin as collateral, evaluating this development as 'extremely bullish' for XRP. JackTheRippler suggested that when the REAL token is launched on January 26, according to some projections, up to $800 billion could flow into XRP ledger's REAL tokens.
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Why it matters: Regulatory clarity
Cryptocurrency analyst Xfinancebull highlighted that **Caroline Pham** at **MoonPlay** is pushing for a practical regulation within the U.S. Commodity Futures Trading Commission (CFTC), contributing to the shift of policies towards real-world use cases.
Years ago, **Brad Garlinghouse** painted the phoenix, which became part of XRP legend.
Xfinancebull pointed out that XRP is the same asset that has withstood the regulatory battle with the SEC, and now, with legal clarity secured, integration is expanding and the connection to government infrastructure is increasing.
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