matejmo / iStock via Getty Images Quick Read Ripple (XRP) launched smart contracts on AlphaNet in November 2025 to enable native DeFi applications on XRPL. XRP has struggled to convert payment infrastructure growth into sustained token demand because banks often skip holding XRP. XRPL smart contracts could create real XRP demand by locking tokens in lending pools and liquidity protocols instead of just settlement. If you’re thinking about retiring or know someone who is, there are three quick ques ...