AI predicts Chainlink will surpass XRP Ledger

Chainlink and XRP Ledger (XRPL) are two of the most discussed infrastructures in the cryptocurrency field. Both are related to institutional adoption and tokenization, but they serve very clearly different purposes. The question is whether Chainlink can become the "next XRPL" or even surpass XRPL in importance within the industry.

To answer this question, we used the ‘Deep Search’ module of ChatGPT-5. Through a series of 12 different prompts, the developments of the organization over the past year and the current market context, we asked OpenAI's most intelligent model to provide a reasonable assessment based on real data.

Chainlink and XRP Ledger: Different Roles in the Ecosystem

Chainlink is not a blockchain; it is a decentralized oracle network and interoperability. The mission of Chainlink is to connect off-chain data—including fund NAV, macroeconomic statistics, and compliance signals—with on-chain smart contracts.

In addition, Chainlink also supports cross-Chain transactions through the Cross-Chain Interaction Protocol (CCIP).

On the contrary, XRPL is a Layer-1 blockchain optimized for payments and tokenization. It uses a fast consensus algorithm, has transaction fees that are nearly zero, and relies on XRP as the native bridge asset.

This ledger is designed to issue and settle assets directly on-chain.

The participation of the organization in Chainlink

Chainlink adopts an infrastructure-first approach. It has partnered with major financial institutions such as DTCC, JPMorgan, and BNY Mellon to tokenize fund data.

Chainlink is also working with SWIFT to enable over 11,000 banks to communicate with blockchains. In fact, the U.S. Department of Commerce is also announcing official on-chain economic data through Chainlink.

Meanwhile, XRPL focuses on building direct use cases. Organizations such as DBS, Franklin Templeton, and Ripple have collaborated to launch tokenized money market fund transactions on XRPL.

In Japan, SBI Ripple Asia is deploying a payment platform and issuing NFTs on the ledger. Ripple's stablecoin RLUSD is also issued on XRPL.

Tokenization and DeFi

Chainlink enables tokenization by providing data and a layer of interoperability, allowing it to operate effectively across multiple different chains. Chainlink acts as a "middleware," ensuring that tokenized assets are valued, compliant, and operating efficiently. LINK accumulates value as a token used for staking and payment for these services.

Meanwhile, XRPL natively handles tokenization. Developers can issue tokens, stablecoins, and NFTs directly on the ledger.

The recent launch of an EVM sidechain allows for the integration of Ethereum-style smart contracts, opening up opportunities for DeFi developers on XRPL. The total value locked (TVL) of XRPL has surpassed 120 million USD, with XRP serving as both gas and liquidity.

Regulations and Positioning

The infrastructure model of Chainlink helps it avoid direct regulatory attacks. Chainlink does not issue securities but only provides data and interoperability, which facilitates adoption by organizations.

XRPL has faced many years of regulatory scrutiny in Ripple's battle with the SEC. Although XRP has achieved clarity this year, its story remains tied to Ripple's reputation and legal strategy.

The development of XRPL in the organization sector also depends on how regulatory agencies treat tokenized assets and stablecoins.

Prospects

The comparison between Chainlink and XRPL is not about who replaces whom. These two platforms serve different roles in the ecosystem. However, in terms of importance to organizations, Chainlink is on track to surpass XRPL.

Chainlink is becoming the neutral infrastructure that many organizations will rely on for tokenization and cross-chain finance.

The best path for XRPL is to focus on payments, liquidity, and the issuance of native assets. XRPL can still maintain its importance, especially in corridors and markets where speed and cost are determining factors.

However, the challenges will increase as competition arises from stablecoins, CBDCs, and SWIFT.

On the contrary, Chainlink has the ability to scale across the entire tokenization industry. If Chainlink becomes the de facto standard for data and interoperability, it will be harder to replace than any single ledger.

Final Evaluation

Chainlink will never become the "next XRPL." It is not a payment blockchain and will not attempt to become one.

However, Chainlink has the potential to surpass XRPL in strategic importance by serving as a connector for tokenization. XRPL will still hold an important position, but Chainlink has greater organizational potential.

Mr. Teacher