XRP’s Specific Utility Is Gaining Most Traction on Coinbase

Digital finance is entering a new phase, with a clear shift from retail trading towards real business use cases. Across global markets, cryptocurrency is now actively solving tangible payment problems, and companies are increasingly relying on digital assets for faster and more cost-effective money transfers. This evolution represents a significant step toward mainstream adoption.

Analyst and X user SMQKE recently highlighted key insights from Coinbase’s latest earnings call. During the call, CEO Brian Armstrong confirmed a major trend: the majority of cross-border payments are, in fact, business-to-business (B2B) transactions.

Armstrong further elaborated that this B2B sector is where cryptocurrency is currently experiencing its highest adoption rates. This statement, originating directly from Coinbase’s Q3 2025 earnings report, underscores that institutional demand is now a primary driver in the market.

Why B2B Payments Are Driving Crypto Growth

Business-to-business (B2B) transactions constitute the largest share of global payment flows. These transactions frequently cross international borders and involve substantial sums of money. Traditional payment systems often prove to be slow and costly, creating significant friction for businesses.

Cryptocurrency solutions offer distinct advantages, including speed, enhanced transparency, and reduced costs. Coinbase’s data substantiates that enterprises are adopting crypto precisely for these benefits. This discernible shift from retail-oriented use to business-focused payments signifies a pivotal moment for the digital asset industry.

How XRP Fits the B2B Model

The XRP Ledger (XRPL) was meticulously designed with efficiency and scalability at its core. It facilitates near-instantaneous settlement and incurs very low transaction fees, making it an ideal platform for large corporate transfers. The Government Blockchain Association (GBA) officially classifies XRP and Ripple as a B2B blockchain solution.

The XRPL supports both fiat-to-fiat and fiat-to-crypto settlements, a capability that directly addresses and fulfills the complex payment needs of corporations.

Evidence of Growing Institutional Traction

Blockchain analytics data indicates a significant surge in XRP usage throughout 2025. Corporate transactions executed on the XRPL have seen substantial growth across Asia, Europe, and the Middle East. Businesses are increasingly leveraging XRP for liquidity management and settlement in international trade operations.

Furthermore, integrations with stablecoins and tokenized assets are on the rise. These developments are directly in line with Coinbase’s findings regarding the growing adoption of crypto for B2B purposes.

The Future of Digital Payments

If this current momentum is sustained, XRP is well-positioned to become an integral component of global payment infrastructure. Coinbase’s strategic investments in payment technology further support this forward-looking vision.

The proven utility of the XRPL places it in a strong position to serve a wide range of business clients. As more companies embrace this trend, the acceleration of adoption is highly probable.

The Takeaway

As highlighted by SMQKE, Coinbase’s recent results clearly demonstrate that the real growth engine for cryptocurrency is now business-driven. XRP’s technological capabilities and strategic focus provide it with a distinct advantage in this evolving landscape. With B2B adoption rapidly expanding, the specific utility of the XRPL is capturing significant traction, not only on platforms like Coinbase but across the broader global finance sector.