XRP’s transaction volume declines as RippleNet expands to 300+ banking partners. XRP ETFs launched in November with strong inflows, but no increase in on-chain activity. Retirement plans are changing for many Americans after realizing they can retire earlier than expected by answering three quick questions.

XRP’s adoption remains strong, but its transaction volume is decreasing. Despite Ripple working with over 300 banks and launching XRP ETFs, on-chain activity isn’t matching the network’s growth. The disconnect raises questions on why XRP usage is falling while RippleNet expands.

RippleNet’s growth doesn’t translate to increased XRP activity. Banks can use RippleNet without requiring XRP, limiting token usage. Institutional adoption moves slowly, with banks testing corridors and scaling gradually. The core disconnect is that RippleNet can expand while XRP transaction counts fall.

Ripple’s global network expansion isn’t boosting XRP transaction growth. Banks are testing systems, running pilots, but settlement remains limited due to XRP’s price volatility. RLUSD offers a regulated digital dollar to ease volatility concerns. Japan and Southeast Asia could lead the shift with RLUSD adoption.

Three major XRP ETFs launched in November, signaling institutional confidence. Despite strong inflows and backing from asset managers, ETF launches don’t increase on-chain activity. The question remains if XRP’s infrastructure growth will translate into actual usage. RLUSD adoption could lead to sustained XRP demand.

Retirement planning is shifting as many Americans realize they can retire earlier by answering three quick questions. Even great investments can be a liability in retirement, highlighting the difference between accumulation and distribution. Consider rethinking retirement plans by learning more about potential early retirement opportunities.

Read more at Yahoo Finance: 300 Banks Use RippleNet, But XRP Transaction Volume Is Falling: What Gives?