XRP, Algorand and Stellar have recently joined the European Ledger as per the announcement by SMQKE over the weekend.
Author: Sahil Thakur
1st December 2025 – XRP, Algorand and Stellar have recently joined the European Ledger as per the announcement by SMQKE. This move signals a major shift. Europe is finally pulling leading digital assets directly into its core financial infrastructure.
The European Ledger unifies tokenized central bank money, commercial bank money, and digital assets on one programmable system. According to fintech expert Mr. Cipollone, this model could reshape how Europe creates, moves, and settles digital value. Moreover, it blends regulatory trust with blockchain efficiency, which gives institutions a clearer path into the sector.
The Ledger evolves Europe’s existing T2S securities settlement platform. Central banks provide the base layer. Market participants run financial activity on top of it. As a result, transactions move faster. Liquidity flows more smoothly. Settlements become easier to track and cheaper to execute.
The verification of XRP, Algorand, and Stellar shows that regulators increasingly accept these networks. XRP supports rapid cross‑border payments. Algorand delivers scalable smart contract capabilities. Stellar enables simple low‑cost transfers. Together, they align well with Europe’s goal of improving interoperability and speed across financial markets.
Europe is pushing ahead with a hybrid financial future. It wants the transparency and automation of blockchain while keeping strong oversight. Because of that, banks, fintechs, and payment firms now have a clearer route to integrate tokenized assets. Settlement times may shrink. Costs may fall. Transparency may rise.
More assets could join the Ledger soon. The initiative may also inspire similar frameworks in other regions. If Europe maintains this momentum, the Ledger could become a template for merging traditional finance with emerging digital ecosystems in a controlled and scalable way.
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