As the financial industry accelerates its push to tokenize real-world assets, attention is increasingly turning to the infrastructure that can support this transformation. Advocates argue that XRP and the XRP Ledger may already have the necessary tools for this transition and support the issuance and transfer of token value long before the concept becomes a mainstream focus of global finance.
How XRP Ledger Handles Issuance at Scale
The current developments surrounding XRP are becoming increasingly difficult to ignore as the wider financial world begins to focus on tokenization. According to a post on X by crypto analyst XFinanceBull, former Ripple CEO Ashish Birla recently highlighted an important detail that many investors would overlook: The XRP Ledger was already able to create legacy tokens like gold more than ten years ago.
At that time, the infrastructure was built long before the current wave of institutional interest in fixed income. Currently, major financial firms such as BlackRock and Franklin Templeton are entering the token race. As regulatory clarity gradually increases, institutional money flows into digital asset infrastructure, and the market is ultimately focused on the same challenge that XRP Ledger was designed to address.
If real-world commodity tokens moving on-chain eventually reach billions of dollars in scale, the network that provides value-creating rails could be invaluable. Xfinancebull says technology cycles tend to follow a predictable pattern, where infrastructure is built first, and pricing follows discovery.
The Math Behind XRP Ledger’s Massive Throughput Potential
The question of whether the XRP Ledger can handle real world-class transaction volume is best answered with simple math. The Crypto Grape investor explained that the network shuts down approximately every 3 to 5 seconds and can maintain about 1,500 transactions per second under normal conditions, which translates to about 129 million transactions per day without reaching its limit.
Grape revealed a major stress test conducted in 2021 involving Ripple and Pyypl pushing the public XRPL over 50,000 transactions per second while maintaining a settlement time of 3 to 4 seconds, which is estimated at 4.3 billion per day. Compared to other payments and blockchain systems, the numbers are remarkable. Visa averages in the world 1,700 transactions per second, with a peak capacity of 65,000, while Ethereum processes about 15 to 30 transactions per second, and Bitcoin averages 7 transactions per second.
Ripple CTO David Schwartz noted that the upper limits of the network are still unknown. Despite that capacity, the XRPL network currently processes only about 1 million transactions per day, which represents less than 1% of its tested capacity. In this view, the limiting factor for XRPL is not the infrastructure, but the level of real-world discovery.
