Welcome to the Ripple Overview. Before we dive in, here’s a quick breakdown:

Every month, we’re diving into Ripple, XRP, XRPL, RLUSD and more. We’re sharing the latest ecosystem developments to help readers get up to speed on its biggest updates, metrics, insights and more.

These metrics are accurate upon publication. The percentages are based on month-over-month change, unless noted otherwise.

➡️What happened: Ripple has secured a license from the Dubai Financial Services Authority (DFSA) to offer regulated cross-border payments and tokenize real estate in the UAE. This coincides with the company receiving approval for its stablecoin RLUSD as a recognized crypto token in the region.

➡️Why does it matter: In 2024, UAE saw a 55% increase year-over-year in stablecoin transactions according to Chainalysis data. As one of the most crypto friendly regions globally, the UAE provides an ideal regulatory environment for Ripple to scale adoption of RLUSD.

The UAE’s $1.424 trillion market for foreign trade can open up further opportunities for RLUSD to move funds across the globe 24/7 with fast settlement. This can be a massive addressable market for digital payments as traditional cross-border payments like SWIFT often takes days to settle and involves higher fees.

The license will allow Ripple to facilitate regulated cross-border payment and tokenize real-world assets by partnering with local entities. In relation to this, companies like Zand Bank and Mamo's have already partnered with Ripple to provide payments for both businesses and consumers.

Additionally, Ripple is supporting projects like the Dubai Land Department’s (DLD) Real Estate Tokenisation Project to digitize property ownership and allow for fractional real estate investment through blockchain technology. This can open up the traditionally illiquid market to investors with smaller capital while making Dubai real estate accessible globally.

This DFSA license represents a strategic expansion of Ripple's regulatory framework across key financial corridors. The company now operates with compliance in Singapore through its Major Payments Institution license from MAS, maintains a New York Department of Financial Services Trust Charter for the critical U.S. market and holds Virtual Asset Service Provider registration from Ireland's Central Bank for European operations.

Combined with Money Transmitter Licenses across multiple U.S. states, Ripple is building regulatory bridges for multiple jurisdictions worldwide, creating pathways for cross-border transactions between major economic hubs.

➡️The big picture: The timing of this regulatory approval aligns with regional demand, as Ripple's 2025 New Value Report shows 64% of Middle East and Africa finance leaders say faster payments and settlement times is one of the key drivers for adopting cryptocurrencies in cross-border transactions.

The regulatory approval positions Ripple to capitalize on both the UAE's crypto-friendly environment and the broader regional adoption of efficient payment solutions. Dubai's status as a major trading hub connecting Europe, Asia and Africa means cross-border payment solutions could scale significantly across the region.

RLUSD's regulatory compliance and payment solution provides businesses and individuals with a blockchain based option for cross-border transactions, without the volatility of non-stablecoin cryptocurrencies. Combined with XRP Ledger’s tokenization capabilities, it also opens new markets like real estate to be tokenized and operate under clear regulatory guidelines.

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This information is for entertainment purposes only. It should not be considered financial advice, nor should it be used to make investment decisions. Cryptocurrencies are high risk and you should consult a financial professional before making any financial decisions. Make sure you do your own research.