XRPL (XRP Ledger) powers regulated Electronic Money Tokens (EMTs) under frameworks like the EU’s MiCA regulation through a native, efficient, and compliance-focused token architecture. Unlike programmable smart-contract platforms, XRPL embeds token issuance, transfers, liquidity, and regulatory controls directly into the protocol. This design delivers 3–5 second finality, sub-cent fees, and institutional-grade features without external layers.…