Ripple said in its latest report that it allocated more than $70 million in 2025 to social impact initiatives, lifting its total funding for social benefit programs since 2018 to over $250 million. The company, which builds payment infrastructure and digital asset products, said blockchain tools are now being used in live finance and humanitarian programs rather than remaining at the pilot stage.
Ripple President Monica Long said the company has moved beyond experimentation and brought blockchain into real-world use cases across finance and humanitarian work. The report also highlighted staff participation. According to Ripple, 80% of employees took part in volunteering or donation activity, while its University Blockchain Research Initiative expanded to 62 universities worldwide.
RLUSD and XRP Ledger added to payment networks
The report said Ripple products including RLUSD and the XRP Ledger have been integrated into payment networks to improve the speed and efficiency of money transfers. Ripple described RLUSD as a stablecoin tied to its ecosystem, while XRP Ledger was presented as open-source blockchain infrastructure built for payments and asset transfers.
In the United States, Ripple allocated $25 million worth of RLUSD to support small businesses with limited access to financing, along with veterans seeking jobs and military spouses. The company also disclosed a $53.6 million investment in small businesses through the Accion Opportunity Fund, linking that work to its financial inclusion efforts.
Programs in Africa and Latin America reached 14.4 million people
Ripple detailed progress in its five-year partnership with Mercy Corps Ventures. Their joint programs have reached 14.4 million people across Africa and Latin America, supported 29 startups, launched 20 technology pilots, and enabled more than $500 million in follow-on funding for participating companies.
One case highlighted in the report was a drought-response pilot in Kenya. By combining RLUSD with satellite imaging and smart contracts, the initiative reduced transaction times by 95%, cut costs by 64%, and eased financial pressure for 85% of participants. Ripple presented the project as an example of blockchain being used in humanitarian distribution.
Education programs backed startups and student builders
Ripple also outlined work tied to education and entrepreneurship. Its University Digital Asset Xcelerator program supported nine startups built on XRP Ledger, and 30% of those ventures secured additional backing from 13 venture capital firms. Through the XRPL Student Builder Residency, 18 university students developed blockchain applications.
Based on the results of its current programs, Ripple said it plans to expand the use of RLUSD and XRP Ledger in humanitarian aid, donations, research, financial inclusion, and education in the years ahead.