From Enterprise Infrastructure to Small-Scale Applications: How Does the Development of XRPL Occur

A common misconception in the crypto community is that the participation of retail investors and enterprises represent two separate paths. In reality, they are sequential steps within the same maturation process. This has been clarified recently through comments by David Schwartz, Chief Technology Officer at Ripple, who pointed out that the incremental buildup of infrastructure by organizations is a necessary prerequisite for the explosive growth of consumer-oriented applications.

Why Enterprise Infrastructure Must Appear First

The first step in any blockchain ecosystem never begins with retail investors. Instead, it starts with the actual needs of financial institutions. Banks, asset managers, and fintech companies cannot recognize a network unless it can provide deep liquidity, clear legal compliance, and reliable scalability.

The XRP Ledger, designed for speed and cost efficiency, has attracted the attention of these infrastructure players. On-chain data shows impressive growth indicators: transaction volume is increasing, tokenized real assets are becoming common, and deeper liquidity is being built step by step. These moves are not fleeting experiments but are committed operational activities.

How Infrastructure Development Brings About Change

When organizations participate in XRPL, they play an unexpected role: they help share the costs of building infrastructure. Their involvement not only creates liquidity but also standardizes integration processes, reduces ecosystem complexity, and smooths out technological rough edges.

Importantly: these improvements initially do not appear on the screens of ordinary users. But they are the foundation that allows developers later to build user-friendly products. Once liquidity is sufficiently deep and infrastructure robust, creating digital wallets, payment platforms, and financial applications that can serve millions of users becomes feasible.

From Wholesale to Retail: A Repeating Model in Technology

Financial technology history shows a familiar pattern: wholesale systems are built, tested, and refined under the strict pressure of organizations, then abstracted into accessible interfaces for the broader public.

The XRP Ledger is currently in this wholesale stage. The signs are clear: organizations are actively using it as a practical operational layer, not just a testing sandbox. This is the time when enterprise-grade tools and processing capacity are being developed and validated.

When Will the Retail Adoption Wave Arrive

According to Schwartz, what is happening now is not that retail adoption is lagging behind, but that it is being deliberately prepared. As XRPL continues to mature under organizational support, tokenized real assets will become more commonplace, liquidity will deepen, and risks will be minimized.

From there, developers will have everything they need to build applications that can truly change how users interact with finance daily. This will not happen overnight. But it will happen once the platform is firmly established.

Conclusion: Non-Linear but Directional Development

The development of XRPL is non-linear, but it has a direction. Its main spotlight is currently on organizations, but the changes driven by them will ultimately illuminate the path for ordinary users. As liquidity deepens, technology matures, and trust increases, infrastructure will transform into practical applications accessible to anyone. That is when the true benefits of computing advancements become clear: enabling us to build financial systems without reinventing the wheel each time.