I'll paste my comment from below:

There are three separate metrics that XRPCharts show. The one that is called "Transactions" on BitInfoCharts and the charts page of XRPCharts, are exchange trades. As in, trades happening on the various exchanges (Binance, Bitfinex etc. for XRP). They have nothing to do with the Ripple Ledger.

The two other charts with much lower volume are on the Ledger, Ledger Trade Volume and Ledger Payment Volume. Bloomberg investigated these (I did myself as well a few weeks ago and reached the same conclusion) and found that they are almost entirely test transactions, with virtually 0 real transactions. You can dig into them yourself on XRPCharts, although working out what the transactions that aren't labeled "test" are, which is most of them, takes more work.