{"id":79500,"date":"2026-10-14T07:36:23","date_gmt":"2026-10-14T07:36:23","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/xrpl-commons-selects-13-startups-for-payments-ai-and-defi-push\/"},"modified":"2026-10-14T07:36:23","modified_gmt":"2026-10-14T07:36:23","slug":"xrpl-commons-selects-13-startups-for-payments-ai-and-defi-push","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/xrpl-commons-selects-13-startups-for-payments-ai-and-defi-push\/","title":{"rendered":"XRPL Commons Selects 13 Startups for Payments, AI, and DeFi Push"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<div class=\"@container mb-[25px] rounded-sm overflow-clip py-0.5 pr-0.5 pl-2.5 bg-success-100\">\n<div class=\"flex flex-col gap-m overflow-clip rounded-[6px] !bg-success-10 p-3 @[420px]:p-m\">\n<h2 class=\"m-0 flex items-center gap-s text-[19px] !text-[#1c1c1c] md:text-[20px]\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"10\" viewbox=\"0 0 16 10\" fill=\"none\" class=\"shrink-0 text-success-100\" aria-hidden=\"true\"><path d=\"M1 1.5h14\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><path d=\"M1 8.5h10\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><\/svg><span>Key Takeaways<\/span><\/h2>\n<ul class=\"m-0 flex list-none flex-col gap-m pl-0\">\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Aquarium Cohort 9 brings together 13 startups from 11 countries.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Straid aims to let users borrow RLUSD against their XRP holdings.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">The nine-week program includes an online demonstration for investors.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>13 Startups Take XRP Ledger Applications Beyond Transfers<\/h2>\n<p>Startups developing payment and financing applications will receive support through a new cohort of an XRP Ledger (XRPL) startup program. Paris-based nonprofit XRPL Commons announced its <a href=\"https:\/\/www.xrpl-commons.org\/newsroom\/xrpl-commons-welcomes-13-international-startups-to-cohort-9-of-the-aquarium-startup-program\" target=\"_blank\" rel=\"noopener noreferrer\">first fully online Aquarium cohort<\/a> on Oct. 13. The organization provides education, mentorship, and grants. Cohort 9 is the ninth group selected for its startup development program.<\/p>\n<p>Several participants already have operating products, according to David Bchiri, president of XRPL Commons. Graduates become eligible for funding tied to milestones. Bchiri said:<\/p>\n<blockquote>\n<p>\u201cMany of these teams already have live products and active users.\u201d<\/p>\n<\/blockquote>\n<h2>The 13 Startups Building Payments, AI, and Credit Applications<\/h2>\n<p>Five startups focus on payments. Xrpay develops e-commerce settlement using Ripple USD (RLUSD), while Payinnov Labs combines card and stablecoin acceptance. Salypay targets AI-powered remittances and merchant payments. Netten provides payouts for businesses, service providers, and freelancers, and Zeno develops privacy-preserving mobile transfers on XRPL.<\/p>\n<p>Two teams address AI transactions. Ultra AI connects agents seeking business opportunities, while Agntpymt governs automated spending within corporate policies and audit requirements.<\/p>\n<p>Four ventures cover energy finance and credit. Megawatt enables fractional investment in commercial battery storage, allowing investors to hold part of a project. Hestiax develops renewable energy lending. Straid supports RLUSD borrowing against XRP collateral. Laguna works on <a href=\"https:\/\/news.bitcoin.com\/ripple-spotlights-xrpl-lending-protocol-proposal-for-institutional-onchain-credit\/\">tokenized private credit<\/a>, representing lending investments through digital tokens.<\/p>\n<p>The remaining two address inheritance and trade documentation. Genwealth automates asset succession and inheritance distribution. Paper-Chain uses AI to verify letters of credit, bank instruments supporting international payment obligations, with planned escrow and stablecoin settlement functions.<\/p>\n<h2>AI Payments Extend the Ledger\u2019s Financial Applications<\/h2>\n<p>RLUSD belongs to a category of <a href=\"https:\/\/www.bitcoin.com\/get-started\/altcoins-and-tokens\/stablecoins\/what-are-stablecoins\/\" target=\"_blank\" rel=\"noopener noreferrer\">digital tokens that aim to track assets such as the U.S. dollar<\/a>. Ripple\u2019s dollar-backed stablecoin features in the cohort\u2019s e-commerce settlement and XRP-backed lending applications.<\/p>\n<p>Ripple\u2019s <a href=\"https:\/\/ripple.com\/insights\/xrpl-ai-starter-kit\/\" target=\"_blank\" rel=\"noopener noreferrer\">XRPL AI Starter Kit supports payments using XRP and RLUSD<\/a>. Its developer tools connect AI agents to wallets and payment functions. The x402 protocol lets online services request payment before granting access, enabling software to purchase data or computing resources.<\/p>\n<p>XRPL Commons cited t54\u2019s figure of more than 8 million x402 transactions on the XRP Ledger in the 30 days through Oct. 8. Total x402 transactions on the ledger topped 14 million as of Oct. 13, according to the <a href=\"https:\/\/xrpl-ai.org\/transactions\" target=\"_blank\" rel=\"noopener noreferrer\">transactions page of t54\u2019s XRPL AI Hub<\/a>.<\/p>\n<h2>Brazil Tokenization and Bank Custody Expand XRPL\u2019s Institutional Use<\/h2>\n<p>Broader <a href=\"https:\/\/news.bitcoin.com\/featured\/ripple-brings-xrp-ledger-to-brazils-brl-22-trillion-asset-system\/\">XRP Ledger-based asset tokenization in Brazil<\/a> includes fund ownership records and financing instruments. Ripple\u2019s partnership with CSD BR begins by mirroring investment fund ownership records on the blockchain while the operator\u2019s systems remain the official record. A separate private credit platform operated by VERT records events throughout the financing lifecycle, extending XRPL\u2019s applications beyond payments.<\/p>\n<p>Standard Chartered\u2019s <a href=\"https:\/\/www.sc.com\/en\/press-release\/standard-chartered-launches-rlusd-custody-and-joins-planned-collateral-integration-with-ripple-and-lmax-group\/\" target=\"_blank\" rel=\"noopener noreferrer\">institutional RLUSD custody is also live<\/a>. Planned collateral mirroring with Ripple and LMAX Group would recognize bank-held tokens\u2019 value for trading without transferring them to the venue.<\/p>\n<h2>Nine-Week Program Connects Founders With Investors<\/h2>\n<p>Participants receive workshops, technical and business coaching, and mentorship, with an investor demonstration midway through the nine-week program. The online format welcomes founders worldwide, particularly from Europe, the Middle East, and Africa.<\/p>\n<p>Teams need a working product and at least one full-time founder. Xrpay, Straid, Paper-Chain, and Netten advanced from Make Waves, a 90-day challenge that helped participants build, release, and grow XRPL applications through September.<\/p>\n<div class=\"not-prose my-3 lg:my-4\">\n<div class=\"overflow-hidden rounded-lg !bg-[#E8EDFA] p-[9px] hidden md:flex md:flex-row md:gap-3 lg:hidden\"><a aria-hidden=\"true\" tabindex=\"-1\" class=\"relative size-[150px] min-w-[150px] shrink-0 overflow-hidden rounded-[15px]\" href=\"https:\/\/news.bitcoin.com\/peter-brandt-favors-monero-over-xrp-despite-bullish-price-targets\/\"><\/p>\n<div class=\"absolute left-2 top-2\"><img alt=\"Bitcoin.com News\" loading=\"lazy\" width=\"28\" height=\"28\" decoding=\"async\" data-nimg=\"1\" class=\"size-7\" style=\"color:transparent\" srcset=\"\/_next\/image\/?url=%2Fimages%2Fuploads%2Fbitcoin_news_newlogo.svg&amp;w=32&amp;q=75 1x, \/_next\/image\/?url=%2Fimages%2Fuploads%2Fbitcoin_news_newlogo.svg&amp;w=64&amp;q=75 2x\" src=\"https:\/\/news.bitcoin.com\/_next\/image\/?url=%2Fimages%2Fuploads%2Fbitcoin_news_newlogo.svg&amp;w=64&amp;q=75\"\/><\/div>\n<p><\/a><\/div>\n<div class=\"overflow-hidden rounded-lg !bg-[#E8EDFA] p-[9px] hidden lg:flex lg:flex-row lg:gap-4\"><a aria-hidden=\"true\" tabindex=\"-1\" class=\"relative size-[150px] min-w-[150px] shrink-0 overflow-hidden rounded-[15px]\" href=\"https:\/\/news.bitcoin.com\/peter-brandt-favors-monero-over-xrp-despite-bullish-price-targets\/\"><img alt=\"Peter Brandt Favors Monero Over XRP Despite Bullish Price Targets\" loading=\"lazy\" decoding=\"async\" data-nimg=\"fill\" class=\"object-cover\" style=\"position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent\" sizes=\"150px\" srcset=\"\/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=32&amp;q=75 32w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=48&amp;q=75 48w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=64&amp;q=75 64w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=128&amp;q=75 128w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=256&amp;q=75 256w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=384&amp;q=75 384w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=640&amp;q=75 640w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=828&amp;q=75 828w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=1080&amp;q=75 1080w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=1200&amp;q=75 1200w, \/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=1920&amp;q=75 1920w\" src=\"https:\/\/news.bitcoin.com\/_next\/image\/?url=https%3A%2F%2Fstatic.news.bitcoin.com%2Fwp-content%2Fuploads%2F2026%2F10%2Fpeter-brandt-xrp-xmr-150x150.jpg&amp;w=1920&amp;q=75\"\/><\/p>\n<div class=\"absolute left-2 top-2\"><img alt=\"Bitcoin.com News\" loading=\"lazy\" width=\"28\" height=\"28\" decoding=\"async\" data-nimg=\"1\" class=\"size-7\" style=\"color:transparent\" srcset=\"\/_next\/image\/?url=%2Fimages%2Fuploads%2Fbitcoin_news_newlogo.svg&amp;w=32&amp;q=75 1x, \/_next\/image\/?url=%2Fimages%2Fuploads%2Fbitcoin_news_newlogo.svg&amp;w=64&amp;q=75 2x\" src=\"https:\/\/news.bitcoin.com\/_next\/image\/?url=%2Fimages%2Fuploads%2Fbitcoin_news_newlogo.svg&amp;w=64&amp;q=75\"\/><\/div>\n<p><\/a><\/p>\n<div class=\"flex min-w-0 flex-1 flex-col justify-center gap-2\">\n<p class=\"m-0 line-clamp-2 text-base leading-[1.3] !text-[#67656E]\">Veteran trader Peter Brandt identifies a potential XRP move to $2.16 but warns that overhead selling pressure could obstruct its\u2026<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/featured\/xrpl-commons-selects-13-startups-for-payments-ai-and-defi-push\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways Aquarium Cohort 9 brings together 13 startups from 11 countries. Straid aims to let users borrow RLUSD against their XRP holdings. The nine-week program includes an online demonstration for investors. 13 Startups Take XRP Ledger Applications Beyond Transfers Startups developing payment and financing applications will receive [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":79501,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/79500"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=79500"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/79500\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/79501"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=79500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=79500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=79500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}