Ripple, Stellar and Algorand Integrate into Europe’s Unified Digital Ledger
Europe Just Took a Giant Leap Forward
Europe’s new Unified Digital Ledger has officially integrated three major blockchains: XRP, Stellar ($XLM), and Algorand ($ALGO). Announced in late November 2025, this move creates a regulated, interoperable home for tokenized assets and programmable money across the continent.
For beginners: imagine one secure “super-app” where banks, fintechs, and institutions can move digital euros, tokenized bonds, and stablecoins instantly, and legally. That’s exactly what the European Ledger is becoming.
Why These Three Coins? Simple Strengths
- XRP → Lightning-fast cross-border payments and massive bank liquidity.
- Stellar ($XLM) → 5-second settlements for pennies, perfect for remittances and RWAs.
- Algorand ($ALGO) → Ultra-scalable, carbon-negative, and loved by institutions for pure proof-of-stake.
Together, they form the perfect trio for Europe’s vision: fast, cheap, green, and fully compliant.
Big Numbers That Show the Scale
| Metric | Number (2025) | Why It Matters |
|---|---|---|
| Tokenized RWA market | $24 billion globally | Europe wants the biggest slice |
| Stellar RWA TVL | $639 million | 94.8% is tokenized Treasuries |
| BENJI tokenized fund | $849 million AUM | Runs natively on Stellar |
| Annual remittance market | $831 billion | High fees are about to disappear |
| Daily settlement speed on Stellar | 5 seconds | Traditional wires take days |
| Cost per Stellar transaction | $0.00001 | Basically free compared to banks |
In short, Europe is building the rails for trillions in future volume, and XRP, XLM, and ALGO are already on board.
What This Means for Everyday Users and Institutions
- For people: Send money home cheaper and faster than Western Union.
- For banks: Issue tokenized deposits and bonds under MiCA rules.
- For investors: Buy fractions of real-world assets starting at €10.
- For traders: More liquidity and new pairs on exchanges like Lumexo (low fees, instant trades).
Moreover, this integration removes silos. Assets can now move freely between chains while staying fully regulated.
Europe Is Now Leading the Race
While other regions debate, Europe is shipping. The Unified Digital Ledger turns XRP, Stellar, and Algorand into core infrastructure, not just speculative coins.
As one analyst said: “This isn’t a pilot anymore. This is production.”
The future of money just went live in Europe, and it speaks XRP, XLM, and ALGO.