Empowering universal access to financial services. Your money, your rules.
Copyright© 2025 Anodos Labs Inc. - All Rights Reserved
Empowering universal access to financial services. Your money, your rules.
Copyright© 2025 Anodos Labs Inc. - All Rights Reserved
Quarterly Reports
29 Dec, 2025
Anodos
Team
6 mins read
Building things that matter always takes time. And things such as financial infrastructure don't emerge overnight.
When we reflect on 2025, we see a year defined not by headlines or token launches, but by fundamental progress toward our mission: creating a level playing field for consumer finance and making onchain finance simple, accessible, and practical for everyone.
Our team does not chase cycles because we build standards instead. Every partnership formed and every product launched this year had one goal. We hide the complexity of the machine so you can enjoy the magic of the experience.
2025 arrived with confidence. New beginnings naturally set the bar higher. The year began with a critical decision that would define our trajectory: doubling down entirely on XRPL and discontinuing AnoVault to laser-focus resources on ANODEX and our upcoming financial super app. Sometimes growth means saying no to projects that dilute focus, even decent ones.
Moreover, we took a transformative step that positioned us among blockchain's true pioneers: partnering with CapSign to tokenize Anodos Labs' equity and recently partnering with Fairmint to expand the equity management fully onchain. This made us one of the very first companies to fully shift its equity structure on the blockchain while maintaining SEC regulatory compliance. Tokenization isn't just our product offering, as you can see, but it's our operational DNA.In March 2025, coinciding with Xaman 4.0's launch of seamless swap functionality, we integrated ANODEX as a Swap xApp directly within Xaman Wallet to make onchain trading as simple as sending a payment, eliminating the friction of navigating between multiple applications while maintaining the security and control that XRPL users expect.
In general, Q2 2025 marked significant progress in our mission to make onchain finance simple and accessible for all. Later on, we were selected for the XRPL Accelerator Cohort 6, run by Tenity and supported by Ripple.
And what about our operational philosophy? Co-founder and CEO Panos Mekras emphasized that blockchain utility matters more than price volatility: "The XRP Ledger doesn't care about XRP or any other asset's price," he stated. "It just keeps running smoothly like it was built to do."
Perhaps most significantly, we fully transitioned our treasury operations onchain, using XRP and RLUSD for payroll, reserves, and daily operations. “Your money, your rules” applies to our own operations first.
We were thrilled to announce our partnership with Archway Finance to bring regulated and MiCA-compliant payment rails to the XRP Ledger and our upcoming financial super app.
The MiCA framework, fully implemented across the EU in 2025, represents one of the most comprehensive crypto regulatory environments globally. In September 2025, we partnered with Schuman Financial to enhance euro-native onchain finance on the XRP Ledger, introducing EURØP as a regulated, MiCA-compliant stablecoin.
In September, Axelar launched mXRP, a yield-bearing liquid staked token that unlocks up to 10% APY for XRP holders. Anodos played a central role by offering the most straightforward access point for swaps and liquidity pools.
Now, let's talk about the actual product development. Throughout the year, ANODEX evolved into the one-stop shop for XRPL DeFi. We launched ANODEX V2, transforming our platform from a simple DEX into the only feature-complete platform on XRPL where users can create an account, trade, provide liquidity, earn, and manage their entire XRPL portfolio from a single interface, eliminating the need to navigate between multiple platforms.
The cherry on the cake is the Anodos Wallet launch, an embedded wallet solution that fundamentally reimagines Web3 onboarding. Instead of wrestling with seed phrases and complex setup processes, users can now create a self-custodial XRPL account in seconds, secured by device biometrics via Passkeys, the same technology they use to unlock their phones and most apps.
Simplification is a part of our mission. Are you curious about the broader impact? The paradigm of the future is being built quietly, so invisible finance could finally become a reality! This is the direction the Anodos team is taking.
Throughout 2025, we maintained an unwavering focus on our core mission. We are transforming the way people manage, earn, and spend their money, providing the tools for individuals and businesses to be their own bank and take control of their finances.
Financial empowerment means you're the boss. Instead of relying on banks, you hold your money securely, like keeping cash in a wallet, but digitally and far safer. Moreover, we've learned something crucial this year: the most important transformations don't require constant announcements. They happen through consistent execution, launching validator infrastructure, tokenizing equity, integrating regulated payment rails, expanding product features, and building partnerships that create real utility.
And what about the problems we're still working to solve? Despite remarkable progress, significant hurdles remain in making onchain finance truly accessible. User experience, particularly around self-custody, remains complex for mainstream users. The goal isn't forcing users to understand blockchain, but eventually making blockchain an invisible infrastructure that simply works.
Liquidity fragmentation across chains persists as a challenge. Our decision to focus exclusively on XRPL addresses this by building deep liquidity in one robust ecosystem rather than spreading thin across many. Sporadically, the best multichain strategy is being the best single-chain solution. However, this is not the end of the road for us, so do expect more news next year!
This year taught us that sustainable growth comes from solving real problems for real users. Every milestone this year has moved us closer to our core mission: empowering universal access to financial services where your money follows your rules, not a bank's.
The transformation we're building won't announce itself with explosive headlines, but it will happen gradually, as more people discover they can manage finances more efficiently, transparently, and affordably through onchain infrastructure than through traditional banking.
It’s time for the “One App experience,” where your entire financial life is managed with complete authority. Your money, your rules. In 2025, we built the infrastructure to make that promise operational. In 2026, we'll make it ubiquitous.
Moreover, we’re thrilled to finally reveal our first commercial (yes, it’s old-fashioned, and therefore, very cool). Watch, like, get inspired. And share, of course.
Thank you to everyone who's been part of this journey: our team, partners, community, and users who've trusted us to build financial infrastructure worthy of the future we're creating together! Here's to 2026. 🔼
To stay updated on Anodos' progress and upcoming launches, visit anodos.finance and follow our news updates. And don’t forget to join our Waitlist for the new era of banking powered by XRPL.
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