TLDR
- Native XLM can now settle directly on the XRP Ledger through Xora Finance without relying on wrapped tokens or traditional bridges.
- Stellar recorded 11.1 million daily transactions as stablecoin activity and institutional use across its network continued to grow.
- Girin Card secured FinCEN MSB registration, supporting compliant XRP and RLUSD payments through its self-custody card.
- XRPL 3.3.0 retired five long-active amendments, including Clawback, without removing their existing functionality from the protocol.
- Six new XRPL amendments entered version 3.3.0, but each still requires validator approval before becoming active on Mainnet.
Stellar (XLM) has gained a new connection to the XRP Ledger as Xora Finance enables native XLM settlement on XRPL, creating a direct route between two blockchain networks with shared origins. The development comes as Stellar records stronger network activity and the XRP Ledger expands its payment infrastructure through Girin Card and a new xrpld software release.
XLM traded near $0.16 as short-term selling pressure weighed on the token. However, activity across the Stellar network remained strong, with daily transactions recently reaching a record 11.1 million. The network also added about $112 million in stablecoins within a week, representing growth of around 12.1%.
Native XLM Gains Access to XRP Ledger
Xora Finance, a neobank focused on the XRP ecosystem, has enabled native XLM to settle through the XRP Ledger. The integration gives XLM holders another way to interact with XRPL-based financial applications and liquidity without relying on wrapped versions of the token.
The connection brings together two networks that have operated separately for more than a decade. Stellar and XRPL were developed around fast and accessible payment infrastructure before taking separate paths in 2014. Direct settlement now creates another link between their respective payment ecosystems.
Xora Finance said the integration allows native XLM to access XRPL settlement infrastructure without depending on traditional third-party bridges. The approach could simplify movement between the two ecosystems as developers build applications that support assets across multiple blockchain networks.
Stellar has also recorded growth in payment and stablecoin activity. MoneyGram recently launched its MGUSD stablecoin through Bridge on Stellar, adding another payment product to the network’s growing role in cash-to-crypto services and global remittances.
XRP Ledger Payment Infrastructure Expands With Girin Card
XRPL payment infrastructure is also expanding after Girin Labs secured a Money Services Business registration with the U.S. Treasury’s Financial Crimes Enforcement Network for Girin Card. The XRPL-native self-custody payment card supports real-world payments using XRP and RLUSD.
Girin Labs said, “The regulatory foundation is set. One step closer to making XRPL the rails for everyday spending.” The registration covers payment flows involving compliant crypto conversion and settlement while supporting the company’s plans to establish banking and institutional partnerships.
Girin Card was introduced in March as an XRPL-native self-custody card powered by Visa. The project plans to allow users to spend XRP and RLUSD across more than 130 million merchant locations in over 150 countries. Its roadmap also includes enterprise APIs and white-label infrastructure for companies seeking to launch card programs using Girin’s payment system.
XRPL 3.3.0 Retires Five Older Amendments
XRP Ledger developers have also released xrpld version 3.3.0, retiring five amendments that have remained active on the network for years. The retired amendments include Clawback, fixDisallowIncomingV1, fixInnerObjTemplate, fixNFTokenReserve and fixUniversalNumber.
RippleX software engineer Mayukha Vadari described the retirement process as “purely a codebase cleanup” that “won’t affect any users.” Retirement removes obsolete pre-amendment code while keeping the rules introduced by those amendments as permanent parts of XRPL.
Retiring an amendment means removing the pre-amendment code that still exists in the codebase for amendments that got activated a while ago (like Clawback). This is purely a codebase cleanup and won't affect any users.
We wait 2 years in case there's a need for the old code when…— Mayukha Vadari (@msvadari) August 8, 2026
Clawback therefore remains available to qualifying token issuers and does not apply to native XRP. The software update also introduces six proposed amendments, including ConfidentialTransfer, DynamicMPT, Sponsor and BatchV1_1. These features are not yet active on Mainnet and must receive more than 80% validator support for two continuous weeks before activation.
XLM meanwhile faces resistance near $0.166, followed by $0.182, while the $0.142-$0.150 area remains a key support range. The new XRPL settlement route arrives as both networks continue expanding payment, tokenization and cross-network infrastructure.
