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XRP's total supply of ~100 billion tokens starkly contrasts its circulating supply of ~59.61 billion, with ~40 billion held in escrow by Ripple or institutions, creating a low "free float" (possibly as little as 200 million XRP). This disparity amplifies price volatility compared to assets like Bitcoin, where circulating supply (~19.8 million) is closer to its 21 million cap. XRP's unique supply dynamics drive larger price swings from inflows—both supply (escrow releases) and demand (buying pressure). Ripple releases ~1 billion XRP monthly from escrow (0.3-1% of circulating supply), often re-locking most but selling a fraction. These releases can spark temporary dips or volatility, as seen in 2025 with $3.28 billion unlocks stalling rallies. Critics argue this centralized mechanism suppresses price by outpacing demand, with supply growth sometimes exceeding organic demand by 10-30%. Conversely, the tight circulating supply means demand inflows—like $45-56 million in an hour—can spike prices 8-10%, as seen in late 2024 when XRP jumped from $2.61 to $2.85. Potential catalysts (e.g., tokenized assets, RLUSD stablecoin, or ETF approvals) could further tighten effective supply, triggering rapid spikes. XRP's illiquidity also causes extreme liquidation imbalances, like a 36,000% gap in long vs. short positions. Overall, XRP's supply structure, with centralized escrow and low float, creates outsized price reactions to inflows, distinguishing it from more predictable assets. While releases pose downside risks, growing utility in payments could drive significant upside volatility.
Neither. But if I had to choose, SOL. XRP has been rendered useless with stablecoin adoption and banks creating their own. The value from RLUSD is very minimal so far, and 80%+ of that value is on Ethereum, not XRPL. The only reason it has such a high marketcap is from the lawsuit and social media bots creating a cult following. Fake news all over propping it up with people who don't know any better.
Some points but let’s dial back the doomerism. XRP’s not a house of cards in 2025. Bank CEOs on the board? Nah, Ripple’s execs are fintech vets like CEO Brad Garlinghouse and CTO David Schwartz, no revolving door from JPMorgan. The Board has economists and ex-Treasurer Rosie Rios for cred, not capture.   Partnerships? 300+ institutions, with 12 banks (Santander, PNC, SBI) using XRP for ODL—$1.3T volume this year alone, slashing FX costs 40-70%.   That’s not ‘enriching jobs’—it’s real utility. Single point of failure? XRPL’s consensus needs 80% validator agreement (150+ nodes), tolerating 20% downtime without collapse. Decentralizing fast with tokenized RWAs (Dubai pilot) and Ethereum bridges. California economics? Sure, losses from SEC BS ($200M fees), but H2 2025 flipped to profit via RLUSD and 80% Japan bank adoption. Newsom even put Ripple on the state’s blockchain board—CA’s not hating.   XRP’s up 400% YTD, this ‘💩’ company’s valued at $15B. Glass ball says partnerships build the future, not just protect jobs. What’s your take on ODL’s trillion-dollar run? Keep yappin’ with facts next time. 🚀”
Interesting angle, hadn’t thought about RLUSD as the institutional peg. If that played out, do you think it strengthens BTC (because of stability) or weakens it (because it feels “captured”)?
Valid question. I see on Gemini that you can only use USDC and RLUSD now and not Tether USDT. You're asking a valid question.
My prediction is Tether crashes and Institutions unilaterally choose to "market peg" BTC to RLUSD right as regulations roll out. BTC a few years ago ended up switching to USDC before tether ended up taking it back so it's possible. It seems institutions are the largest determining factor to this but the current US admin seems to be backing it with almost full sails. Seems the fed is still up in the air but I hear they are making a big announcement come end of the month, will see.
RLUSD will replace USDT. Just like how Mt. God was a fart in the wind and got replaced by other exchanges.
Leios and Hydra will scale, plus Midnight Privacy chain secured on Cardano is unique in the space..Problems like lack of a major stable will be solved by USD1 or RLUSD....There are integration problems with USDC because it only supports inferior account based chains like ETH and SOL which have mutable state and less security, and they are too lazy to develop, likewise with Chainlink, but it will come.
There are plenty of USDC and RLUSD. Check out others. Can supply some on many platforms and networks
RLUSD stablecoin has reached a US$700 million market cap by August 2025, growing from just US$70 million in January after launching in late 2024.
Ripple’s RLUSD stablecoin has quietly reached a US$600 million market cap by August 2025, growing from just US$70 million in January after launching in late 2024. Who's this then?
The article literally states that USDC stable coin share is increasing not RLUSD.
USDC can be transacted on XRPL too though why go with the less compliant USDC when you can rest easy knowing your RLUSD is good to go? USDT will continue to lose share as it should.’ Read they were going to field a new USDT to be GENIUS compliant. Lmao.
>It’s just that the banks didn’t see value in that utility What banks didn’t see value in that utility? >so Ripple had to pivot to RLUSD. Was not a pivot, when Google started selling ads was that a pivot? What about when they bought Waze when they already had GoogleMaps, or what about buying Boston Dynamic was that a pivot? Creating their own stable coin, buying Metaco, aquiring Rail soon, these are not pivots, the same was as Google buying Youtube, Wiz or Double-ClickExplain are not pivots. Re: RLUSD, please explain how a stable coin is supposed to help with illiquid trading pairs, because that is a major utility bridge currency solves. >But 85%+ of that value (of which they aren’t even a top 20 stablecoin) is going on Ethereum, not the XRPL or back to XRP holders. Simply put, the Ethereum ecosystem is bigger than the XRPL and why more has been minted and is being used there, water flows to the path of least resistance. >The utility/adoption is not justifying its marketcap. Explain to me why you believe market cap is a good metric for commodities. >Even yesterday with the US Department of Commerce news (using Chainlink to connect across 10 other chains but not XRP) Well yeah, Chainlink is not currently integrated to the XRPL so why would it be part of the news, kinda a duhhh thing no? However the XRPL is oracle agnostic, and even though it had a built in L1 native oracle, other oracles can integrate to the XRPL just like how Band and DIA are, it’s not the CCIP can’t work with the XRPL, no development on the XRPL has chosen CCIP yet, when one wants to it will happen.
The banks in ASEAN did and have incorporated it into their payments systems through SBI. In fact, LINK was just incorporated into that network a couple of days ago. No bank will rely exclusively on one payment solution. They’ll contract for multiple rails and use whichever is the cheapest transaction by transaction. The major obstacle was that U.S. banks couldn’t use XRP because of the SEC lawsuit for the past FIVE YEARS. That was a crime, and Ripple certainly lost their first mover advantage (which is what those two corrupt SEC commissioners wanted, Hinman and the other guy, before jumping ship to an ETH-heavy crypto investment firm). As to RLUSD, stablecoins make much more sense than any crypto in highly liquid markets like USD/GBP or USD/CAD but XRP (or LINK possibly) still would be a cheaper transaction in high friction corridors (i.e. transaction between parties in two countries that doesn’t have a lot of trade like Eithiopia to Latvia or something like that). Ripple disclosed a while ago that their software prefers to use stablecoins to XRP in those highly liquid corridors and that they were generating about $25M in usage for Circle, so they decided to bring that business in house. Kinda like how Amazon does their own shipping instead of relying on UPS anymore.
Agreed on the macro/micro distinction. Disagree on the rest. XRP isn't a scam... It does have actual utility. It's just that the banks didn't see value in that utility, so Ripple had to pivot to RLUSD. But 85%+ of that value (of which they aren't even a top 20 stablecoin) is going on Ethereum, not the XRPL or back to XRP holders. Yet only a small portion of holders are starting to come to this realization. XRP has developed a cult following in an already irrational market. So many were lead to believe in this mass institutional adoption or even complete takeover (see "XRP to replace SWIFT" talking point). Even yesterday with the US Department of Commerce news (using Chainlink to connect across 10 other chains but not XRP), the influencers are saying things like "The government didn't choose XRP, because XRP IS the government." 🙄
No it is not. 85%+ of RLUSD (which isn't even a top 20 used stablecoin) is held on Ethereum. XRP sees near zero value.
False! RLUSD the Stablecoin that will eat the market is underpinned by Xrp. It will be used in every transaction and will also be massively accumulated and held by 20+ Xrp ETFs that will be approved in the next month or 2. Do some research before you make stupid comments!
Sure! Right now I’m lending weETH on AAVE. Virtually zero lending yield but you get 3% or so from staking. Also some Ether.fi points but I have no idea how much yield or $ that translates into. Then I borrow whatever stable has the lowest cost. Right now it’s crvUSD or EURC (2-5%). Then I swap for RLUSD and lend on AAVE for a bit over 10% yield. Other solid options are Pendle (USDe or cUSDO PT for 13-15% fixed yield) and Euler (a bit over 10% for USDC and USDT pools). These are relatively low risk options. You can probably find higher yields on concentrated pools and whatnot. Also I usually borrow around 50% of my collateral to avoid liquidation yield. But it’s nice earning some extra yield while keeping exposure to ETH
tldr; XRP's price may rise by 75% due to three key factors: technical analysis showing bullish patterns like a flag and cup-and-handle, increasing odds of SEC approval for spot XRP ETFs, and growth in the XRP Ledger ecosystem. The bullish flag pattern suggests a target price of $4.6, while the cup-and-handle pattern indicates a potential rise to $5.2. Additionally, rising interest in XRP ETFs and the expansion of Ripple's ecosystem, including its RLUSD stablecoin and payment solutions, are driving optimism for XRP's future performance. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
The stablecoins used include USDCV, EURCV, USDG, PYUSD, RLUSD, among others.
XRP in November. Buy RLUSD now and ussseeeee them. The more you use the stablecoin the more XRP it burns. The higher the price goes. XRP is $3.00 today. Say you got $10,000.00. You buy in at $3.00 November it goes to $18.00. That's six times the amount. 10 k turned into $60,000.00 minus taxes. That's enough for any life investment. Business House Stock Bonds Marriage. Just use the coins. Send them to a friend, pay for a massage, or pay back a loan. Ussssee the stable coins. #Freegame
XRP in November. Buy RLUSD now and ussseeeee them. The more you use the stablecoin the more XRP it burns. The higher the price goes. XRP is $3.00 today. Say you got $10,000.00. You buy in at $3.00 November it goes to $18.00. That's six times the amount. 10 k turned into $60,000.00 minus taxes. That's enough for any life investment. Business House Stock Bonds Marriage. Just use the coins. Send them to a friend, pay for a massage, or pay back a loan. Ussssee the stable coins. #Freegame
I just want to say.. never buy fiat and hold. Always buy a stable. Tether, USDC, RLUSD. Any should be fine. *wink*.. ;•}
Their history shows that they know what they’re doing, however, when you dive into it things start to look sus and that it’s slowly falling apart. This whole time they have been partnering up with banks, credit card companies, swift, setting up payment rails etc. all of it seems to have been pretty successful leading to a bigger marketcap because it’s all happening behind closed doors. 1. Swift fell through 2. Big banks aren’t using them, so they will just become their own bank. 3. Stablecoin launch. this sort of defeats the purpose of xrp in the states since it costs the same amount of money to send RLUSD as it would xrp without any of the market risks of xrp. This is going to really be the first time we see if Ripple is able to pivot from failing partnerships and plans falling through from their original value proposition of being the coin for banks. I’m interested to see how this will play out and what choices Brad will make moving forward. All I know is that pivoting costs money, being a bank costs money. Guess who’s going to front that bill through the inflation of the XRP coin? The only reason why I don’t invest in XRP is because whether you like to admit it or not, Ripple is dumping XRP every month via escrow causing inflation. If they had partnerships lined up and what not, why would they be dumping a coin at $3 that is supposed to go to $300? Again, I’m definitely interested to see what’s going to happen, for me it’s all a bit risky, especially at these prices.
Wrong. The only fully compliant stablecoin in the US right now, with regard to the new GENIUS act, is USDtb, which is basically the act’s poster child. Neither USDC nor RLUSD is actually certifiably compliant despite what they claim in the media.
Exactly. If Ripple walked away from the SEC mostly clean, a few banks asking for extra scrutiny probably won’t stop them. Apparently they’re saying it’s part of the process and requisites for getting a national trust charter. This isn’t a typical retail bank application either. It’s to serve big institutions, tapping into FED systems, ACH, SWIFT alternatives, and corporate settlement. Some hundreds of billions, maybe trillions, in annual volume. Even a small slice routed through RLUSD would mean serious transaction activity on both ETH and XRPL. Basically real demand and utility for ETH and XRP. Minting, AMMs, liquidity pools, and trustlines, all of it burns gas and locks tokens. I’ve been watching RLUSD like a hawk since its release. It already hit $600M market cap up $200M in just a month and volume is split around 75/25 between ETH and XRPL. It’s about to break the Top 100 for market cap. If Ripple gets this charter that growth could scale fast.
Uphold are giving 5% on stablecoins at the moment, you get the interest paid in usbc and can convert it back into whatever stablecoin you're already holding. I've been buying RLUSD each month now for the past few months to build up some savings while it's earning interest
LMAO!!!!! Of course you dont xerper. >This collaboration involves Bank of America integrating Ripple's RLUSD stablecoin into its internal payment systems. You make this claim then refuse to show proof?
LMAO!!! This again. Every Xerper, ffs. "just wait 2 years bro!!" Show me Bank of Americas official statement they integrated RLUSD then? Fuck your google shit. Show me on their website?
>It’s the Bank Policy Institute who represents all of these banks, not Bank of America coming out and standing alone to say ‘no. Even worse. >The rest is from Google: Thanks for letting me know youre posting AI slop and havent actually looked into what youre posting. >This collaboration involves Bank of America integrating Ripple's RLUSD stablecoin into its internal payment systems. hahahahahahha Is this your [source?](https://www.ainvest.com/news/bank-america-integrates-ripple-rlusd-modernize-payment-systems-2508-3) You truly are special.
You obviously didn’t read the article. It’s the Bank Policy Institute who represents all of these banks, not Bank of America coming out and standing alone to say ‘no.’ And it’s because of unclear crypto regulation and limited timeline for input. The rest is from Google: Yes, Bank of America has deepened its partnership with Ripple, a blockchain technology company. This collaboration involves Bank of America integrating Ripple's RLUSD stablecoin into its internal payment systems. The objective of this integration is to enhance efficiency and reduce costs associated with transactions, particularly cross-border payments. Ripple's RLUSD stablecoin, pegged 1:1 to the US dollar, aims to bridge traditional finance with decentralized infrastructure, offering transparency and stability for corporate finance transactions. Bank of America's adoption of RLUSD demonstrates a growing acceptance of stablecoins within the traditional financial sector. The collaboration is expected to provide operational benefits such as near real-time payment finality, reduced reliance on correspondent banks, and improved liquidity management. It's important to note that while Bank of America is utilizing Ripple's technology for internal payments and exploring blockchain solutions, there can be a distinction between using RippleNet, Ripple's global payments network, and directly using XRP, the digital asset associated with Ripple. The partnership emphasizes Bank of America's commitment to modernizing its financial services through blockchain technology.
tldr; Ripple has applied for a U.S. national trust bank charter through the Office of the Comptroller of the Currency (OCC) to elevate its RLUSD stablecoin to federal standards. If approved, Ripple's subsidiary would issue RLUSD and manage reserves directly via the Federal Reserve, bypassing commercial banks. The charter focuses on custody and tokenization, not retail banking. While the move aligns with upcoming federal stablecoin regulations, it faces opposition from banks citing concerns over public review and traditional banking norms. Ripple emphasizes compliance and transparency in its application. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
Imo any chain that can support stable coins will thrive. Not just any stable coin either but ones that are fully compliant with USA and EU based regulation being passed for them. A quick look see will net you two stable coins that are the most compliant. #1 is RLUSD, Ripple Labs’ stable coin. #2 is USDC, Circle’s stable coin. RLUSD can be transacted on either ETH Mainnet or XRPL, where ETH and XRP are burned as gas respectively. So you could see that you should pin down which chains and their respective native currencies will thrive leveraging flywheel utility of the native currencies. ETH and XRP get plenty of flywheel utility from stable coin activity on their native chains. This flywheel utility could be stable coin minting, stable coin transactions in general, liquidity pools for currency swapping and bridging, AMM pools, and trustlines established during account/currency creation. All of these create upward pressure on the native currency’s price because of increased demand by the way of utility. Ripple Labs is making a lot of headway in the institutional finance world and some think this may directly interface RLUSD and XRPL to things like ACH, SWIFT, FED, etc. Currently RLUSD’s marketcap is around $600 million, having increase around $200 million in the last 30 days. The ETH Mainnet / XRPL ratio for RLUSD’s volume is around 75/25 ETH/XRPL. Not financial advice but I believe ETH and XRP will thrive simply because of their capture of ever growing stable coin market.
My son and I have come to the same conclusion. However we have a hard time with the retirees certain it's Boca here we come!, college students emergency funds, the kid's 2 full summers of lawn work money that get caught up in the madness. The middle age guy/gal that convinces convinces their spouse to get a 2nd mortgage. Sure, "Only spend what you can afford to lose". Is like liquor companies saying "Drink "Desponsibly" to an alcoholic. invests in something that has some tight metrics but they refuse to share them. Yet, the narrative is they're doing great. Who believes in a complimentary coin situation when an "XRP Adoption" is the touted in Dubai Real Estate when a 1,000,000 purchase uses $1,000,000 in RLUSD and $.00001in XRP, yep that's huge for XRP (this took less than 5 minutes to research).
You know XRP existed before ripple? Ripple are a company with heavy ties to XRP, the creators of it created Ripple and Ripple spend billions investing in making XRP a success, a small example would be buying hidden roads for 120 odd billion, which deals with trillions of dollars of transactions a year, and they will now use RLUSD for some of those transactions.
Personally I would stay away from USDT ; It wasn't good enough to comply Mica regulations in Europe, and it doesn't seem to meet the Genius act standards in the US either - hopefully it's all above board but idk seems like a black swan event waiting to happen - much happier in USDC or RLUSD :)
I Would trust Brad and ripple far more than michael Saylor and MSTR - RLUSD is the most regulated stable coin, meanwhile Saylor says proof of reserves aren’t a good idea - Ripple was criticized for being ‘the bankers coin’ for a long time but now is positioned well as the lines between crypto / trad fi start to blend… Old crypto holders were very anti-gov anti-tax / Wild West but seems like now people want things to be tradfi adjacent because it means banks institutions govts can all bring money in … newer investors don’t really care about the old ideals and goalposts are switched - as things move from Wild West to Wall Street
American Express Banco Rendimento Bank of America (testing Ripple solutions for payment systems) Santander (uses Ripple's xCurrent in its One Pay FX app for faster transactions) SBI Holdings (Japan) and SBI Remit (uses XRP as an intermediary for payments through its MoneyTap service) Standard Chartered (involved with Ripple since 2015) Canadian Imperial Bank of Commerce (CIBC) Kotak Mahindra Bank (India) IndusInd Bank (India) RAKBANK (UAE) SEB (Sweden) Siam Commercial Bank (SCB) (Thailand) Krungsri (Bank of Ayudhya) (Thailand) BNY Mellon (selected to hold reserves for Ripple's RLUSD stablecoin) Itaú Unibanco (deploys RippleNet) Bitso (significant ODL partner in Latin America) Cuallix (early adopter of ODL) MoneyTap (Japan) BeeTech (Brazil) InstaReM (Singapore) ZipRemit (Canada) LianLian Pay (China) IFX Payments (UK) TransferGo (UK) Currencies Direct (UK) Airwallex (Australia) MoonPay Tranglo Bank of Thailand (BOT) Saudi Central Bank (SAMA) Royal Monetary Authority of Bhutan (RMA) AMC Theatres APMEX (precious metals) Auragentum GmbH (precious metals) Jomashop (luxury watches, handbags) Ledger (hardware crypto wallets) Marc Gebauer Lifestyle GmbH (luxury watches) Namecheap (domain registration, hosting) Newegg (computer hardware, gadgets) O'Gara Coach (luxury automobiles) PacSun (clothing) Play-Asia.com (entertainment products) Scan Computers (electronics) Sharps Pixley (bullion broker) Stacks Bowers (rare coins and currency) Hublot (luxury watches) Prepaid Gamer Online Hawk Host Inc. Ace Jewelers CryptoTurismo Gamesplanet HOSTKEY B.V. HJT Crypto: A platform that allows users to use XRP to remotely launch Bitcoin, seeing a surge in users. Dubai Land Department + Ctrl Alt: Partnered with Ripple to tokenize real estate on the XRP Ledger. Hidden Road (pending acquisition by Ripple): A global prime brokerage firm expected to bring post-trade clearing, FX services, and liquidity directly onto the XRP Ledger. World Bank: Evaluates Ripple's potential in development finance. BlackRock: Reportedly exploring XRP-focused Exchange Traded Funds (ETFs), which could significantly increase institutional interest. Various Firms applying for XRP ETFs: Indicating growing institutional interest and demand for regulated exposure to XRP. Individual Users: The XRP network sees significant daily address creation, indicating a growing retail user base. Ripple's stablecoin, RLUSD, is also gaining traction among retail users despite its initial enterprise focus.
Don’t let all these greaseballs in the comments fool you about trash stablecoins that aren’t compliant. There’s only one stablecoin that is fully compliant with the new legislation and that is RLUSD. RLUSD can be transacted on ETH and XRPL and currently that is at about a 70/30 split ETH/XRPL. If any two cryptos are going to benefit the most from this stablecoin era it is ETH and XRP. Don’t believe? Just look it ya mealymouthed muppet motha trucka.
Banks don't need to use the same "software". They don't need to use the same chains or even the same stable coins though, thanks to proof of reserve and CCIP again. This is also where the difference between XRP and ripple raises its ugly head again. XRP is currently and historically a great trade. The game is to trade the hype cycle with XRP. It doesn't have any legs, though. Its an antiquated solution to a cutting edge and evolving market. This is precisely why they brought out the RLUSD
In a world of no usd though its irrelevant. Stable coins make it the same amount of steps, but this isn't even very important. Sol >usd stable coins > RWF Or even better sol> Rwandan tungsten RWA for example. Its use is more for consumer transfers from minor nation to minor nation, which I doubt is 14%. RLUSD will be more useful than XRP in almost all scenarios. Even more useful will be chainlink. An Oracle is needed in any cryptographic currency or RWA trade. Undoubtedly CCIP will secure the inevitable bridge transactions needed and ACE will make sure that the transaction is compliant.
The real crypto use case appears to be real world asset tokenisation from stable coins to land deeds etc and this the avenue the XRPL is taking from Ripple’s pov currently in addition to the use of RLUSD that’s on the XRPL for money transmission. Circle also has begun to issue its USDC on the XRPL. https://gulfnews.com/amp/story/business%2Fproperty%2Fripple-ties-up-with-ctrl-alt-to-secure-tokenised-property-title-deeds-in-dubai-1.500199420 There’s whole lot more additions to the XRPL like the EVM sidechain and not to mention the added capability of FLARE network’s unique bridging solution that gives XRP its own yield bearing mechanism. One example: (Saudi royalty are involved in this) https://www.coindesk.com/business/2025/06/11/vivopower-to-deploy-usd100m-in-xrp-on-flare-add-ripple-usd-for-treasury-operations
usdt is already limited in Europe. And now with the Genius act passed into law in the states, it’s days are numbered there as well. There’s a reason usdt is rated D. It openly has audit issues. And as most many not know, it also props up the Beta Test Coin. usdt’s days are literally numbered. They will try to create another…but it’ll never have an A rating, such as RLUSD
Primarily the lack of stables is due to USDC and USDT not supporting UTxO chains like BTC, ADA, etc due to technical issues, plus they want 'control of freeze and seize - which is not available on UTxO's... Stables are only implemented on account based models which can do this. Ultimately I'd hope for RLUSD for more liquidity.
> isn't the whole point of a currency that we accept it for convenience (and not barter with other goods like gold?) depends, currency replaced money. the two terms are often incorrectly interchanged, they both dont have the same properties/characteristics. Id say letting people choose which "asset" they wish to hold is a stronger method than currency, everyone can send whatever they have of value and receive what they value back in return. >Surely the endgame here is adoption of a single currency due to its purchasing power (e.g. choosing to accept XRP instead of the stables)? Stablecoins enhance XRP not compete with it. the worlds first DEX was created on the XRPL in 2012, the same is true for RWA's and stablecoins. Both were first created/issued on the XRPL before any of those things were even terms in the space. What really matters is liquidity and value. that is what the XRPL has been focused on, thats why Ripple is issuing RLUSD, it increases liquidity for the XRPL.
They are rubbing their hands waiting to dump on banks. And the bankers must be laughing hysterically buying RLUSD. Lol.
In other news, RLUSD volume yesterday was 150%~ 🤔 and 57mil added to mrkt cap
Respectfully , I think you’re the one stuck in 2017 — because it’s 2025, and Ripple just introduced RLUSD. If XRP were so essential, why is Ripple building a stablecoin for ODL? Answer: because institutions don’t want XRP volatility. They want compliance, predictability, and rails they can trust. XRP is a bus. And only poor people take the bus. That’s not a dig — it’s the economic truth. XRP is reused, recycled, and redistributed like a transit ticket. It’s fast and cheap because it’s meant to be forgotten after use. That’s not what scarcity looks like. That’s not what enforced value looks like. No staking. No burn. No requirement to hold. High turnover doesn’t create high value — it destroys it. The more velocity you have without lockup or friction, the less each token is worth. RLUSD is the evolution of ODL. They just don't know how to tell bag holders yet. You can hold hope. Institutions will hold RLUSD.
They track USDG, which has a lower market cap ranking than RLUSD. Strange but not your fault. I still bookmarked the resource.
Oh, I guess RLUSD doesn't have a large enough value to make it into the rankings then? Maybe Visa only track the 10 biggest stablecoin chains? Sorry, I should have checked before posting that it actually included XRP!
That's a nice resource. A bit disappointing that it doesn't include RLUSD.
Genius Act benefits stablecoins. XRP has RLUSD. ETH has more. If the genius act decides your investment choice, it wouldn't be towards XRP. It's more beneficial to other chains.
ripple becoming a bank is insane if you think about it. if it does, all deposits become a part of the fractional reserve, meaning that ripple only has to hold 10% of the deposits as cash and use the rest for something else....aka RLUSD.
Or, hear me out, we leave Tether behind and move to fully audited and compliant stables like RLUSD, USDC…that’s it. Those are the only two.
Is RLUSD tied to XRP in any XRP in any form besides owned by Ripple? Terra Luna horror is still on my mind. Talk about Terra Luna, what happened to Do Kwon now? Is he in jail or being pardon yet?
These guys rated RLUSD tied at A-ranking with 3 other tiny stablecoins while USDC is B+? How much did Ripple pay Bluechip?
RLUSD is the most transparent of them all
Unleash the AI: “XRP isn’t dead just because RLUSD is live — in fact, the rise of a regulated stablecoin reinforces XRP’s role as the liquidity and gas backbone that powers every transaction on XRPL. Every RLUSD swap, bridge, and payment burned or locks XRP via AMMs, boosts fees, and creates ongoing demand — unlike USDC on Algorand, this stablecoin growth directly drives XRP utility and scarcity. With live bank-grade rails (BNY, AMINA), EVM, SWIFT extensions, and looming ETFs, this isn’t hype — it’s a real institutional flywheel that Ethereum or Solana don’t have.” Solid points. Currently the breakdown of RLUSD’s transacting networks is 70/30 ETH/XRPL. RLUSD is slowly but surely gaining in market cap, with a few hundred million increase within the last 45 days. It is the most regulated stablecoin on the market at the moment. The only close second is USDC but it doesn’t have as many rails/interfaces to huge pools of liquidity like RLUSD will. RLUSD and stablecoins didn’t bury XRP, if anything they’ve breathed new life into it.
From gemini pro, prompt without preference: asking gemini to tell the cold hard truth ; Excellent question. The analysis you've provided is a sharp, coherent, and widely held articulation of the fundamental challenge facing XRP. It correctly identifies the core tension between its intended utility as a high-velocity bridge asset and the requirements for long-term price appreciation. It is not wrong; however, it is incomplete. Here is the cold, hard, objective analysis that adds the necessary counterpoints and nuance. The Analysis is Correct, But Its Premises are Too Simple The provided text frames the situation as a binary choice: either XRP works as a bridge, or stablecoins/CBDCs do the job better, rendering XRP a purely speculative token. The reality of the global financial system is far messier, and this is where the counter-argument lies. The "paradox" is real, but it's better described as a classic network adoption problem—a "chicken and egg" scenario that all platform technologies face. The core of the objective counter-argument rests on three points the original text under-emphasizes: * The unstated but significant frictions and risks of a stablecoin-centric system. * The functional necessity of a higher XRP price if its utility thesis is ever proven at scale. * The strategic value of a neutral, jurisdiction-agnostic bridge asset in a world of competing, politicized digital currencies. 1. The Cold Hard Truth About Stablecoins The provided text presents stablecoins as a near-perfect solution. They are not. For an institution like a bank or large payment processor, which operates on a timescale of decades and must price in tail risk, stablecoins present their own set of profound challenges: * Massive Counterparty Risk: A dollar-pegged stablecoin like USDC is a liability on its issuer's (Circle's) balance sheet. Its value is entirely dependent on the solvency of that single entity and the verifiable quality of its reserves. A "bank run" on Circle, a regulatory freeze of its assets, or an accounting scandal could render billions in USDC worthless or inaccessible overnight. XRP, for all its volatility risk, has no central issuer in this sense. It is a bearer asset whose primary risk is market-driven, not institutional. For a risk manager at a global bank, this is a night-and-day difference. * The "Last Mile" Liquidity Nightmare: The text correctly identifies the need for pre-funded liquidity. But it underestimates the severity of this problem. A stablecoin model requires a liquid USDC <> Thai Baht market, a liquid USDC <> Brazilian Real market, a liquid USDC <> South African Rand market, and so on for every corridor. Each of these requires local banking partners, regulatory approvals, and market makers. This creates a fragmented system where liquidity is siloed. The promise of XRP is to pool this liquidity into Fiat_A <> XRP <> Fiat_B. Instead of needing thousands of individual trading pairs, you only need liquid pairs against a single, highly efficient bridge asset. * The Coming Stablecoin Wars: We are not heading toward a world with one stablecoin; we are heading toward a world with many. There will be a USDC (US), a EUROC (Europe), a PYUSD (PayPal), Ripple's own RLUSD, and eventually, government-sanctioned CBDCs. Will a bank in Japan want to settle a transaction with a Brazilian bank using a stablecoin regulated by the United States? This re-introduces jurisdictional and FX friction. A truly neutral, non-sovereign bridge asset could become the preferred intermediary to swap between these competing stablecoins and CBDCs—a "Switzerland" for digital currency. 2. Solving the "Paradox": Price as a Functional Prerequisite The text claims that if nobody holds XRP, its price won't appreciate. This misses a critical point. For XRP to function as a bridge for transactions of significant value, the price of XRP must be high. Imagine Ripple's On-Demand Liquidity (ODL) needs to facilitate a $100 million cross-border payment. If the price of XRP is $0.50, moving that value would require 200 million XRP tokens. A transaction of that size would exhaust the order books on most exchanges, causing massive price slippage and rendering the transfer non-viable. Now, imagine the price of XRP is $10. The same $100 million transfer would only require 10 million XRP. The impact on market liquidity would be far smaller, making the transaction faster and cheaper. Therefore, price appreciation is not merely a speculative byproduct; it is a functional prerequisite for the network's utility at scale. If you believe ODL will capture even a tiny fraction of the multi-trillion dollar daily FX market, you must necessarily believe that the price of XRP will be orders of magnitude higher than it is today to support the value flowing through it. The speculators and LPs holding the token are betting on this future utility, which requires a higher price to function. 3. The Bottom Line: It's an Execution Risk, Not a Logic Flaw The bearish analysis you provided is a perfect articulation of what happens if Ripple fails to achieve scaled adoption. If ODL does not become a critical piece of financial plumbing, then yes, XRP's value will be untethered from utility and will remain purely speculative, vulnerable to being chipped away by more straightforward solutions. However, the objective counterpoint is that the alternative "simpler" solutions have their own severe, understated complexities. * XRP's success does not depend on stablecoins failing. It depends on stablecoins not being the perfect, one-size-fits-all solution for every type of global payment. * The investment case for XRP is a high-risk bet on institutional adoption. It's a bet that global banks and payment providers will eventually conclude that the risks of a fragmented, counterparty-heavy stablecoin system are greater than the market volatility risk of a neutral bridge asset. * Ripple’s legal clarity in the U.S. is a non-trivial advantage. In a world where regulation is the biggest existential threat to crypto, having a degree of legal clarity for institutional use is a powerful, bank-friendly asset. The cold, hard truth is that the future of finance will be a hybrid system. Stablecoins will dominate certain corridors and use cases. But for the complex, high-value, and exotic cross-border settlements that are the lifeblood of global trade, the case for a neutral, efficient, and sufficiently liquid bridge asset remains powerful. The question is not whether the logic holds, but whether Ripple can execute on its vision before competitors solve their own inherent problems.
😂😂😂😂 The genius bill which is now in Law will show all you haters exactly what RLUSD/XRP is about. This nonsense you keep posting is for amateurs who know nothing about Crypto. I have been around since the early days
Dead is overdramatizing. XRP still serves as a bridge asset in corridors where liquidity is needed. RLUSD does not make XRP useless. But it does make XRP less important.
I reckon it’s artificially been used to inflate the price of bitcoin, they seem to print a billion at a time out of thin air. RLUSD and USDC are no where near that despite having more backing, ripple is a private company with an estimated 100-115 billion in value so I don’t see how tether is worth anything near that.
>On a smaller scale if 1 XRP equals $5,000 then 5,000 RLUSD will be worth $1. No 5,000 RLUSD would be worth $5000... also 5,000$ XRP isnt happening. stop posting and do SO SO SO much more reading.
It’s a possibility when Ripple signed a deal for RLUSD being launched on a trust worth $50 Trillion. There could be a contract where the trust invests $1-5 Trillion into XRP to maintain a constant value of whatever price and set a floor for RLUSD.
I never said XRP would explode and honestly it could take 100+ years to ever top $100. I pointed out a possibility of how RLUSD will be backed. XRP back go to $10 and stay there for all I care and my theory still stands that 10 RLUSD is 1 XRP and RLUSD needs something to back its 1:1 valuation. Whether they rely on Ripple Network, their blockchain networks or whatever. XRP could crash to $0.50 & it still wouldn’t change my mind that 10+ years down the road if Ripples international license goes through or whatever then 1 RLUSD will be worth 2 XRP. Post is literally a satire explanation that RLUSD needs backed by something to have any 1:1 valuation.
I never said this was a moon post? I pointed out a possibility of how RLUSD will be backed. XRP back go to $10 and stay there for all I care and my theory still stands that 10 RLUSD is 1 XRP and RLUSD needs something to back its 1:1 valuation. Whether they rely on Ripple Network, their blockchain networks or whatever.
Go for it. I own about 30 different crypto currencies lmao been here since 2017. Still holding 15 BTC, 3.5mil DOGE, 250,000XRP & 1mil XLM… countless others. To call me a XRP schizo is hilarious. I’m just sharing an idea of how Ripple is establishing RLUSD to get approved for their international banking license.
That’s essentially what I was trying to explain it other words. If XRP is $2,500 then $2,500 RLUSD is worth 1 XRP.
5,000 RLUSD would be worth 1 XRP in your example, not $1. Every token needs liquidity to come from somewhere.
RLUSD will be backed by XRP and XLM
Ripple launched RLUSD, a stablecoin on XRPL in 2025. Even Ripple knows XRP is dead.
Ripple launched RLUSD, a stablecoin on XRPL in 2025. Even Ripple knows XRP is dead.
Ripple launched RLUSD, a stablecoin on XRPL in 2025. Even Ripple knows XRP is dead.
You clearly don’t understand how any of this works. The Genius Act applies to stablecoins, not XRP. XRP is a utility token, not a stablecoin, and it’s the native gas that powers the XRP Ledger. Ripple’s new stablecoin (RLUSD) is launching on XRP Ledger, which means XRP is still needed to move it, pay fees, and route liquidity. XRP isn’t being replaced. It’s already used today by SBI Remit, Tranglo, and Coins.ph for real cross-border payments. No hype, just real usage. Calling XRP a meme coin while ignoring its live financial corridors is pure cope. The real memes are the ones with dog logos. XRP is solving real problems. You’re just loud on Reddit. Do you not know what L1 native gas tokens are? $SOL is not Solana Network and $ETH is not Ethereum they're SEPARATE. They're GAS tokens which fuels the entire blockchain. It's the electricity that powers your entire House. NOTHING runs WITHOUT the gas token. Anything that goes on the XRP ledger will REQUIRE the use of the $XRP gas token. This is what LAYER1 is it's not an APPLICATION token it's the GAS. Native gas tokens are historically known to mint new millionaires. If $SOL and $BTC were application tokens the price wouldn't be where it is today.
😂😂😂 You posted pure emotion, not facts. XRP isn’t a scam. It’s the gas for a real blockchain used by SBI, Tranglo, and others. Courts ruled it’s not a security. Ripple sells XRP transparently and uses it to build products like RLUSD and acquire partners like Metaco. That helps XRP’s utility, not just shareholders. XRP isn’t stock just like ETH or SOL. You don’t get equity, you get access to a real network. Comparing XRP to a Disney cup is just lazy. If XRP were a scam, it wouldn’t be powering real payment corridors in Asia while most of crypto is still figuring out what they even do. And yeah i’m up nearly 400% on XRP since July 2024, going from about $0.51 to $2.50 today. If people listened to your Bitcoin FUD, they would’ve missed that too. How much are you up on Mr BTC? 😂 Satoshi warned exactly about what's happening to Bitcoin: centralization, regulation, and control. XRP's closer to his vision than BTC is now.
This is just nonsense. XRP isn’t some meme coin. It’s literally being used right now by SBI Remit, Tranglo, and Coins.ph for real cross border payments. That’s actual on-chain utility, not speculation. It’s the native gas token for the XRP Ledger. Every transaction runs on XRP. That’s how a real Layer 1 works. You’re mad it’s not stock? ETH isn’t stock either. Nobody complains when Ethereum builds. Ripple didn’t dump and disappear. They disclose sales, return XRP to escrow, and use those funds to build infrastructure that supports XRP adoption. RLUSD, Metaco, Hidden Road those aren’t distractions, they’re building blocks. You're confusing Ripple with XRP. You’re holding the token that powers a real-time payment network. It’s doing more than most of this space combined. Stay salty.
XRP is a bank-themed meme coin being sold to crypto uncles and dentists who think they're betting on some kind of "banks + blockchain" thesis. Ripple sells you their zero-cost XRP takes your cash, and uses your money to either buy back Ripple stock, acquire companies like Hidden Road, or launch services like RLUSD for payments. All of these profits are solely internalized to Ripple Labs shareholders. Nothing goes to XRP holders (beyond microscopic burn on XRPL). In fact, 99% of the money Ripple Labs has comes from token sales; so it's even worse than just not sharing profits with you if they were actually generating revenue from their protocol being adopted. They dump on you and* don't share with you any of the things *YOU* capitalized for them.
You’re seriously underrating XRP because of Bitcoin cult blindness. Let’s check THE FACTS first, not Reddit hype: RippleNet has 300+ financial partners in 45 countries, and 40% of them use XRP for On-Demand Liquidity. ODL volume topped over $15 billion in 2024, up 32% from 2023 Tranglo is not just a message-passing stunt. Ripple acquired 40% in March 2021 to power XRP-based ODL across Southeast Asia. In 2022 alone, Tranglo processed $970 million in ODL, up from $53 million in 2021. That’s real usage, not marketing fluff XRPL on-chain is booming. Over 4.8 million funded wallets and 50,000 to 70,000 active wallets daily, up 25 percent year over year. On-chain transactions hit up to 251 million in Q1 2024, up 108 percent quarter over quarter. DEX volume rose 18 percent, and average fees dropped 45 percent Stablecoins and real-world assets are pouring into the XRPL. USDC, XSGD, EUROP, and RLUSD are live. $500 million RLUSD was minted in Q2 2025. Tokenized money market funds are launching. Large AMM pools are active, and AMM clawback features for compliance are enabled XRPL has processed over 2.8 billion cumulative on-chain transactions and is gaining traction with institutions exploring tokenization at scale Bottom line: XRP isn’t parked in wallets. It is powering massive, real-world, institutional and OTC flows. There are no bottlenecks. XRPL is alive, growing, scalable, compliant, and increasingly institutional. So yeah, next time you say "they don’t use XRP," you’ll sound like a Bitcoin shill who ignored $15 billion in ODL volume, nearly $1 billion in stablecoin minting, major tokenized fund launches, and explosive wallet and transaction growth. Reality check first. These are literally my factual notes. I do my due diligence..You're speaking to win an argument to favor an old tech like your obsessed with some rookie card hoping it makes you rich someday 😂
>Banks around the world are not going to send USDC by the billions of dollars. I know, banks will send their own issues stables. >You don't know how the XRP/ripple system works. [I do.](https://ripple.com/ripple-press/ripple-selects-bny-to-custody-ripple-usd-reserves/) "RLUSD has been purpose-built for enterprise utility, particularly in improving the speed, cost and efficiency of cross-border payments." >swift which takes many days and costs a ton. Once again, Swift is not going to roll over. They have adapted to use blockchain with their existing legacy systems. Do you guys even read what theyre doing? I sent you 3 links in the first post that you seem to ignore. >The token XRP would be used to pay for gas fees Thats all it is. A gas token. If it wasnt, they wouldnt have said this about RLUSD. ""RLUSD has been purpose-built for enterprise utility, particularly in improving the speed, cost and efficiency of cross-border payments." Why make the distinction, if they do the same thing? >It would be nice if less people on Reddit felt that their lack of understanding equals a problem with the theory. Ironic, considering you dont know what Swift is or how they operate. Why are you ignoring Swifts blockchain research?
Yep, Ripple and RLUSD are tearing it up. Ripple has a very bright future, XRP not so much. They could develop some new use cases that couldn't be usurped by RLUSD, but that doesn't seem to be a priority.
Yep Tether left Europe because it couldn’t pass an audit - it will fall short of Genius as well… RLUSD and USDC are both way more transparent
Game over. You said institutions want “nothing to do” with the public XRPL yet Dubai just tapped it to tokenize **$16 BILLION** in real estate, fully on-chain. You claimed it’s only about Ripple Labs remittance software yet **Ondo Finance**, a major RWA player, *chose the public XRPL* to bring tokenized U.S. Treasuries on-chain via **RLUSD**, Ripple’s new stablecoin. And now Ripple’s acquisition of **Hidden Road**, which is a prime broker means XRPL is being hardwired directly into institutional finance. XRP is becoming it's own BANK! 😂 You’re arguing based on the past. The world’s moving forward. XRPL isn’t just surviving it’s quietly becoming the backbone of global tokenization. The facts don’t care how emotional you are about Bitcoin. XRP Ledger is winning. Publicly. XRPL is a scaling!!!
Youre actually thinking of XRP as a bridge currency. Thats why they created RLUSD.
RLUSD is a stablecoin. I mean a token people go to xrp chain to buy obviously. $200m is a minuscule portion of RWA market and of course amounts planned/announed are 10x what actually goes through you can check stats by chain here: app.rwa.xyz
Without even looking I already knew RLUSD was in the top 400 (#112) so your facts have holes - In June they passed 7.1 million wallets, with a new high of 295k daily active wallets (and growth to over 2700 wallets with 1m+ XRP) “On June 15, the network processed over 5.1 million transactions in a single day.” Just in the last 8 hours “Digital asset platform Mercado Bitcoin plans to tokenize more than $200 million in permissioned real-world assets (RWAs) on the XRP Ledger (XRPL).” The second tokenised Dubai property sold via PRYPCO on the XRPL went in under 2 minutes between 149 investors from 35 countries Sounds like more than ‘zero adoption’ and far more utility than a meme 🤔 Do you think all of the memes / pumpfun really add a ton of value for SOL? When I had SOL I found it very hard to find any information about SOL itself because it was drowned out behind everyone shilling memes, or complaining about snipers / bots / presales / telegram scams / phantom hacks : SOL pumped hard with XRP around the time of the election, but XRP has held onto those gains far better despite all the metrics you used being stronger for SOL? (Ie. #2 TVL) ETH is #1 but is down 22.1% over the last year
Still said a meme, and there is some adoption through Vivofit wellsgisitics wibus, and then adoption via acquisitions with ripple acquiring metaco / hidden road / money transfer licenses and now applying to get banking licenses as well - stablecoins running on the XRPL too, RLUSD EUROP USDB XSGD, and USDC available on XRPL now as well - all seems adoption related
USDT is sketchy… don’t trust your money in it… it couldn’t meet the requirements for MiCa so isn't up to standard in Europe… far better off with USDC or RLUSD… both Ripple and Circle have filed for banking licenses as well now… I sold all my SOL when the Trump coin launched - turned out to be the top for SOL, now its back at November levels - XRP has been the top performer since the election
“Direct Access to U.S. Payment Systems A U.S. banking license would give Ripple: • Direct connectivity to the Fedwire, ACH, and SWIFT networks → Ripple can move RLUSD and fiat seamlessly. • Ability to hold deposits, issue loans, and clear payments in-house → not reliant on third-party correspondent banks.” This will translate to a boon of volume and liquidity on XRPL. XRP will probably get a nice price boost from this if it pans out.
>They will approve the Federal Reserve Master Account access they are applying for here and RLUSD and XRP will be government certified like it has always been planned. They already partnered with literally everybody else. ABAA DTCC ISDA IMF BIS ECB the list goes on and on and on. This is completely false lol DTCC doesn't work with Ripple or use XRPL. [They use their own chain built on hyperledger Besu](https://www.dtcc.com/news/2025/april/02/dtcc-announces-new-platform-for-tokenized-real-time-collateral-management) and [chainlink CCIP to connect private chains together. ](https://www.dtcc.com/dtcc-connection/articles/2023/september/21/bringing-capital-markets-onchain-with-dtcc-and-chainlink)
Very interesting times ahead for Ripple, XRPL, and RLUSD. The EVM update alone was huge. Not long before it the AMM Pool one was as well. All these pieces falling into place. The level of access being built to interface with XRPL is crazy. Saw a crazy couple stats on the volume change after the EVM change went live. From double digit %’s to high 200’s. It’s already growing significantly not even a week after it went live. No telling what happens as it is allowed to thrive and institutional players start getting involved.
The problem with that, is that. RLUSD barely operates on the XRPL. The vast majority lives on Eth and has never even seen the XRPL. https://defillama.com/stablecoin/ripple-usd And even with he pitiful amount of RLUSD on the ledger, XRP is devalued to just a gas token. On a chain with no volume, or TVL. So relatively valueless.
You're talking only $100M it's peanuts...essentially needs stable coin volume - Can't have USDC because it's too technical to implement on a UTXO chain, Circle can't be arsed doing it. ( Plus they hate ADA as being a non VC funded chain and they don't like competition to their EVM account based shit chains. Anyway RLUSD coming soon which has better audit reports.
RLUSD isn't going to promote XRP's price. XRPL is a ghost chain and no one cares about txing it there, and even on Ethereum the demand for it is minimal. > all other coins other then bitcoin look like crap. Lol. Ripple is so irrelevant that even Circle refused to sell to it. Good luck holding to zero.
You’re incoherent, and I’m unemotional about my speculation. It’s clear you don’t understand the mechanics. Stable coins settle using XRP on the XRPL. That includes both RLUSD and USDC. Stable coins are just the on-ramp. Facts are facts and opinions are opinions. Sorry you missed out.
Nah, XRP was a stepping stone for Ripple to launch RLUSD (stablecoin). Retail XRP has become useless and has basically become a memecoin that will never go higher than $3-
No I understand it clearly. After no one adopted ripple net or ODL, they’re now pivoting to a smart contract platform, an EVM side chain. They realized this is what banks actually want, along with stablecoins, RLUSD. But they mint more on ETH anyways, literally today I believe