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They unlock 1b a month but most of that goes straight back into lock up 🤔 The top 2.5% of bitcoin holders hold 95% of all BTC Would you rather trust a known, time-locked entity or a handful of anonymous wallets with no leash? What would happen if satoshi dumped 1m bitcoin on the market? Not to mention how geopolitical things could get as well : the first bitcoin investors were against banking / governments etc chasing decentralised finances - XRP was criticized as being the bankers coin, but now BTC holders want institutional and government adoption - the payment / money narrative has practically died and now it’s just called ‘a store of value / hedge against inflation - tbh I’m not expecting XRP value to go up like crazy : people talk about how much money swift etc moves and act as if moving that much money with XRP would make the price go up; but even ripple has said it would not impact the price that much because supply and demand are the same and any discrepancy quickly gets arbitraged away… To send money overseas can take days and generate large fees, but to be able to do the same in seconds for next to nothing is useful and that’s just the tip of the utility iceberg : RLUSD / stable coin market, running centralized coins or tokenized assets, and more XRP is far better positioned to move money between currencies - and be used in the background to convert fiat A to Fiat B, without the customer ever even knowing XRP was used in the middle
Is RLUSD available to trade on dexes yet against eth? I tried looking on uniswap but couldnt find it
You are incorrect. Ripple unlocks 1b XRP each month from Escrow... not 'billions'... and a lot of that is put right back into escrow... Ripple has been one of the major drivers behind institutional adoption, and is far more incentivised to utalize the XRPL and bring others on board... Ripple has been acquiring other companies like Metaco for $250m (tokenisation), and Hidden Road for $1.25B ( first crypto firm to own and operate a global, multi-asset prime broker)... they have been acquiring banking licenses, launching RLUSD, and making connections with other crypto projects as well... All XRP alreadt exists. there are no mining costs... it is deflationary as a tiny portion gets burned over time...
Bitcoin is decentrally mined. It wasn't minted out of thin air by a for profit entity and then shilled to the masses. Half the supply is locked up by the founders..... XRP isn't need to use the private ledger. The Network isn't needed to use RLUSD. The Network will NEVER support smart contracts. There is literally no where for xrp to go because it has practically no utility and it never can be developed any further.
Bitcoin is decentrally mined. It wasn't minted out of thin air by a for profit entity and then shilled to the masses. Half the supply is locked up by the founders..... the network isn't needed to use their private ledger. XRP isn't need to use the private ledger. The Network isn't needed to use RLUSD. The Network will NEVER support smart contracts. There is literally where for xrp to go because it has practically no utility and it never can be developed any further.
I have had this conversion so many times now... I have some information for you right here, easily verifiable about XRP: \--- Centralization in XRP every transaction needs to be verified by a server from a pre-approved list. That list is "allegedly" not only Ripple servers, but it actually is only Ripple servers. Also it needs to be 90% the same on every node, meaning, it is basically the same list on every node. So in reality you have only Ripple servers that are approved in the pre-approved list and no other alternatives. This if from their official documentation [https://xrpl.org/docs/concepts/consensus-protocol/unl](https://xrpl.org/docs/concepts/consensus-protocol/unl) "Initially, it was believed that 60% overlap between two servers' UNLs was enough to prevent those servers from forking apart. However, further research showed that in the worst case scenario, 90% overlap was required to prevent a fork" \--- ISO20022 The whole narrative about Ripple somehow creating the ISO20022 standard to replace SWIFT and enforcing banks to use it is an absolute lie. ISO20022 is made by SWIFT, a company formed by the largest banks in the world that currently facilitates international transactions. There is a website dedicated to it [https://www.iso20022.org/](https://www.iso20022.org/), the standard is from 2013. Ripple simply implemented a subset of that standard, something thousands of financial companies around the world have done. This was a big narrative that Ripple was promoting on social media in September-December 2024, and it was an absolute disinformation campaign, but they were very successful in creating this illusion that they were bringing in new technology to replace SWIFT, namely the ISO20022 standard. It is quite clear that they were running a coordinated propaganda campaign with these messages using AI and bots along with paid influencer to hype up the XRP coin. There was also a big list of companies being pushed around that showed who had made NDA with Ripple. As if that meant any obligations between the two parties, which it clearly does not. \--- XRP token The XRP token is premined by Ripple, and it is sold by them to fund their marketing (instagram and youtube influencers) and development. Every XRP in existance has been created by them. Almost all utility cases that Ripple has developed evolve around a separated blockchain from the XRP. This means that everyone who is buying XRP, is basically just giving them money. There is no use case for XRP and there will never be any use case for XRP. (Read up on XRPL and the RLUSD)
It was never designed for Retail, they stated that and transparent about it. They already have over 500+ Bank partnerships and some are already adopted. They also just had an acquisition of Hidden Road a Non-Bank Prime Broker which handles $3 trillion annually and will be integrating XRP, XRPL AND RLUSD into it. I 4x my position and sitting here fine and looking towards the future, it may not be for retail but I and others are getting a piece of the cake 🍰 Good luck 👍
I disagree. I don't think RLUSD was the plan all along. Ripple saw the writing on the wall and made a pivot. Xrp is too volatile and not many people are going to take that volatile option when there are less volatile options that accomplish most of the original vision. Xrpl may still have something that sets it apart, but it's no longer ideal for ripples original vision.
How do you exchange RLUSD to any other RWA or stablecoin on the XRPL? > It’s truly amazing how you guys eat up this slop its truly amazing how when handed the direct answer to your question multiple times you ignore it while being confidently incorrect.
“Using RLUSD as collateral” ie no effect on XRP. It’s truly amazing you guys eat up this slop, pat ripple on the back and pretend this is groundbreaking.
> I don’t care how much you made, and I dont care how much you think Ripple "dumped" > How does it function on ETH, where the majority of RLUSD resides? On ETH it uses ETH obviously > Nothing I said there was wrong. "This has no impact on XRP value accrual" yet it doesnt function on the XRPL without it, nor do any other RWA nor do any exchanges and transfers. so yeah you said things that were vey easily proven incorrect.
I don’t care how much you made, not an argument lol How does it function on ETH, where the majority of RLUSD resides?
> Congratulations, Ripple dumped billions worth of XRP to pay for this. oh noes! I made 11x thanks to Ripple, im so worried /s >This has no impact on XRP value accrual, but go off King. RLUSD doesnt function on the XRPL without XRP. keep announcing to everyone how much you dont understand lol https://old.reddit.com/r/CryptoCurrency/comments/1jexp0n/ripples_garlinghouse_says_sec_dropped_landmark/miqeczk/?context=3
Congratulations, Ripple dumped billions worth of XRP to pay for this. >Hidden Road will be using XRPL for clearing a portion of trades, and most consequentially, using RLUSD as collateral across its prime brokerage services Using XRPL for a "portion of trades". What this means is less than 1% will flow through XRPL while using RLUSD as collateral. This has no impact on XRP value accrual. But go off King.
What is XRP going to be used for in this deal other than to pay gas fees? The sources you linked don’t mention anything about the XRP token. All that will be used is RLUSD according to your sources.
Yeah, RLUSD requires XRP... for gas fees... Which are... almost non-existent. The fact that you guys are okay with this while the promise was using XRP as liquidity is just sad
God it's so sad the level of intelligence some of you have. Number 1 RLUSD REQUIRES XRP Number two, Ripple and Brad made it VERY CLEAR "Hidden Road to migrate post-trade activity across XRP Ledger (XRPL) demonstrating its potential as the go-to blockchain for institutional decentralized finance (DeFi)" 3 trillion a year on XRPL https://x.com/bgarlinghouse/status/1909578606914810367?t=-DTKZHfSBypVzkuNHDLoxA&s=19
Yeah that's what the article said they will acquire the business of 300 institutions based solely on the fact that RLUSD is used. NOT XRP!!! 🤡
tldr; Ripple announced it will acquire multi-asset prime broker Hidden Road for $1.25 billion, marking one of the largest crypto company acquisitions this year. Hidden Road clears $3 trillion annually and serves over 300 institutional clients. The deal will enable Hidden Road to expand globally using Ripple's resources and make Ripple the only crypto firm to own a global multi-asset prime broker. Additionally, the acquisition enhances the utility of Ripple's stablecoin RLUSD, which Hidden Road uses as collateral for its brokerage products. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
And so it begins. XRP holders are exit liquidity and RLUSD was the plan all along.
tldr; Ripple has agreed to acquire prime brokerage firm Hidden Road for $1.25 billion, marking its largest acquisition to date and one of the biggest deals in the digital asset space. Hidden Road, founded in 2018, provides clearing, financing, and brokerage services across various markets and serves over 300 institutional clients. The deal will enable Hidden Road to use Ripple's RLUSD stablecoin as collateral for its products. The acquisition is subject to regulatory approval and is expected to close by Q3 2025. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
Flare isn't even outshining chainlink on XRPL. Chainlink provide data for RLUSD Chainlink provide data for WhiteRock.
It’s like picking a bank - same deal, different vibes. Tether’s kinda shady, USDC’s more legit, RLUSD’s just another player. End of the day, it’s all about who you trust more
Not overthinking at all, stablecoins have different trade-offs, some prioritize decentralization (DAI), others liquidity (USDC), and some offer native yield (RLUSD, sDAI). It’s less about redundancy and more about choice. Personally, I use Spark to earn 4.5% on stablecoins while staying liquid.
RLUSD Ripple's stable coin is legit. 💯🐝🚀
XRP drives ripple. Along with RLUSD stable coin. EFTs coming along with SEC dropping it's case. They are coming in droves. It's happening as we speak. Be smarter and do your own research.
Banks will not use XRP. The wealthy aren't stupid enough to hold an asset where a single entity controls 44% of the supply. Banks will use XRPL and RLUSD, but they will never use XRP itself. At least not until Ripples share falls dramatically. All the supporters of XRP are doing is acting as liquidity for Ripple to fund their anti-freedom projects. Also are you really that morally bankrupt? There are hundreds of other better Crypto's you can make more money on. Do you really need to support the one anti-freedom crypto?
There is also the ability to tokenize things like BTC though, and RLUSD works on ETH and LINK XRPL as well - they have money transfer licenses globally, 1700 NDAs, and are actively working to bridge in more ways than just currency-to-currency - they are working towards providing rails that can be adopted and integrated with existing banks / companies and already have so many major connections and partners - OP referenced gas fees on ETH… but the fees on XRP are cents or pennies for millions of $$$ transfered - also… ISO 20022 is a messaging protocol - already here... People might very likely transfer money or other cryptos through their bank over the XRPL and never even know… they only know its faster and cheaper than before
In my view, a bull run isn't just a pump upwards section of the chart. Bullrun is tied to growth but also has phases, it will have ups and downs. The reason why I don't think it is over has two parts; one is that we have seen many tech upgrades and adoption increases on many blockchains and a very solid increase in institutional involvement but the price appreciation isn't reflecting it, it is more about the hype. Second is the political angle where we see a positive vector towards regulation, and this is directly fueling the pump but also is fueling investments into developments. What we've seen is a pure speculative pump in my opinion, for those who want to just make money quickly, but we are yet to see that solid price appreciation that would come from serious long-term investors on the institutional level where holding amounts of tokens will build a foundation in future operations. I think what everyone is waiting for is Real World Assets on blockchain. People are waiting for the moment when stocks, bonds, real estate, tickets, and even IDs are all tokenized. Most people and institutions are still not strong enough to build momentum. So I suppose the answer to your question would be that the bull run is not over because the momentum seems to be coming from the anticipation of something else. And this is rooted in the political and regulatory angle of the whole story. We'll see... it may deflate actually and then pump even more if something expected or unexpected happens, like major adoption, like international trading done on RLUSD or something similar.
It will most likely run up between $5-$10 and could even see close to $20, but yeah it's not going to ever be worth $100 per. Also, feels like people don't understand that institutions want to use the stable coin, RLUSD.
RLUSD works on XRPL, almost feeless
XRP SOL ADA and ETH seem like they will all be used in a digital stockpile… AT this point they don’t even plan to buy any BTC unless they can do it in a taxpayer neutral way… XRP has a built up so many amazing business connections (over 1700 NDAs) and is seeing more and more adoption in the financial system… it’s very fast, very cheap… and while I do really like it there is defintely a lot of misinformation that gets put out there… one reason XRP is so useful is that banks / institutions can move money very quickly at very low cost, but as the transition is so fast and the buy / sell demand remains close the actual price doesn’t fluctuate much even on huge transfers - fluctuations are eaten away by arbitrage … people also treat tokenisation as if it is the same as buying the full value of the tokenized item in XRP, pushing up the price… but that is not how it works… Tokenized assets just use the blockchain for tracking & settlement, not necessarily increasing demand for XRP…. So yes I see a lot of adoption coming but not crazy prices…. I sent money to a friend overseas recently… using tradfi was slow (days) and I got charged a fat fee to do it as well… sending via XRP would have taken seconds, and the network fees would have been less than a cent / penny … XRP also becomes even stronger when paired with RLUSD :)
You are wrong - XRP is not controlled by Ripple - they are just the biggest holder; they only control 1 of the validators, and have had proposals rejected from being adopted across the XRPL… they control RLUSD and have a vested interest in XRP but they have no more control over it than any validator on the network. There is also the escrow mechanic keeping them from dumping on the market - it’s in their interest to keep trading and overall they have added a lot of value and engaged with institutions etc - there is no escrow mechanic keeping BTC whales, miners, or countries like China / Russia dumping on the market because of geopolitics though! BTC has Satoshi who could dump 1m on the market if he wanted to… others like microstrategy are slowly taking control of more and more of the supply as well One reason the reserves / digital stockpiles are being built from seized / forfeited assets is that it can be done without congress - There is some irony in people claiming BTC is less centralized, and can’t be taken vs other decentralized cryptos like XRP… Bitcoin maxis: Bitcoin is the only decentralised crypto; your Bitcoin can’t be taken away like nasty fiat money… US Government: We will make a Reserve from the bitcoin we took away from people
It doesn't matter. Bank of America already uses XRPL. So it’s either RLUSD or their own version. Either way, the money will be moved onto the ledger which is positive for XRP
tldr; BDACS, a leading digital asset custody firm in South Korea, has partnered with Ripple to provide institutional-grade custody services for XRP, RLUSD, and other crypto assets. This collaboration aligns with South Korea's regulatory roadmap for digital assets and aims to support the XRP Ledger ecosystem, expand RLUSD stablecoin usability, and enhance institutional custody infrastructure. Ripple Custody will be utilized to ensure secure storage and management of digital assets, addressing the growing demand for tokenization and digital asset services in the region. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
And it’ll be up again after an EO, it’ll be up again after the SEC officially drops the lawsuit, it’ll be up again when the reserve starts, it’ll be up again after forced RLUSD adoption by threat, it’ll be up again for a lot of reasons. And through all those ups, are you just going to hold your nose to the profit. I won’t, because I bought in at .25
> Smart contracts will run... There're plenty of established networks offering scs already, and xrp ads nothing in this regard, even if it ships. > RLUSD > It won’t be Tether 1. Pitting RLUSD against USDT is a bit... delusional. USDT is #4 in mcap, while RLUSD is# 470. 2. Bear in mind that 1000s new stablecoins are launching next year, potentially diluting RLUSD's position even further.
Smart contracts will run on the XRPL. RLUSD uses XRP for both collateral and bridging. Guess we’ll see. It won’t be Tether, what’s your guess?
Woah there cowboy… did I say Ripple created ISO20022 or that it’s a product of? NO. I said that I found XRP through coming across documents on it. I also did NOT say “that all banks need to fulfil XRPs ISO..” so I’ve no idea which hole you plucked that out of, presumably your arsehole. HOWEVER, Ripple “was one of the first members of the Registration Management Group” (for ISO20022) the ISO Is the new standard for payment messaging and has far more data than SWIFT which is why swift is working within the ecosystem rather against it. Have you even looked at the original ecosystem? Didn’t see Ripple, XRP mentioned at all? I doubt it because you’ve shown your reading comprehension to be trash. Did Ripple help with the digital Euro? Did Ripple help with proof of concept for the BoE? What of SBI holdings? What are Brazil and Portugal upto? Palau? Montenegro? You think no one is using Xrapid? have you taken a moment to consider that on boarding a bank to a brand new technology might first require small steps, tests etc? They aren’t jumping in off the cuff. You set up relationships, build on them and introduce new products like RLUSD ;) Thanks for wasting everyone’s time whom had the misfortune to “read” your angry codswallop. Don’t bother replying, thanks for the laugh though. Give your head a wobble. You come across as very angry. Poor you.
I was under the impression that the XRP token wasn't mined - and now I'm seeing XRPL & RLUSD Damned confusing
They do use RLUSD, it's the stablecoin to support XRP by helping it burn faster over time because transactions using RLUSD burn XRP
…I have the same question too…. I’m just trying to wrap my head around why anyone would want a bridge currency that is as volatile as XRP. Wouldn’t a stablecoin like RLUSD using XRPL be safer to use as a bridge? Would banks buy and hold large amounts of XRP and use them as a bridge currency as needed for their customers when the value of XRP increase? Or would they buy XRP at market and send to the receiving wallet for each transaction? I’m so confused on how XRP would be useful as a bridge currency.
LOL. You're spouting buzzwords you do not understand. An interoperability protocol **is in the middle** (thus, the generic middleware description) of two or more protocols. That's literally the definition. Additionally, telling me I'm wrong is hilarious considering this is a precise quote from the CCIP Docs provided by Chainlink. >Chainlink CCIP is a blockchain interoperability protocol that enables developers to build secure applications that can transfer tokens, messages (data), or both tokens and messages across chains. [https://docs.chain.link/ccip](https://docs.chain.link/ccip) What you don't get is that Chainlink does not offer a native network. So, CCIP is not a direct competitor to any blockchain network. Chainlink offers services that dapp developers on blockchain networks can leverage, and CCIP is one of those services. This is why Ripple (XRP), like many other native networks, is partnering with Chainlink to use CCIP. >Although a correction followed, XRP broke out last week, coinciding with the positive [Ripple announcement](https://x.com/Ripple/status/1876618313943470412) of a partnership with Chainlink to use its CCIP for the RLUSD stablecoin. https://www.ccn.com/analysis/crypto/xrp-price-strong-correction-pattern-breakout/#:\~:text=Although%20a%20correction%20followed%2C%20XRP,CCIP%20for%20the%20RLUSD%20stablecoin. You're doing the right thing by trying to look at the fundamental of the various tokens and networks, but you clearly still have a way to go before you start taking such confident positions.
Additionally, have this o3 analysis too: Below is a comprehensive, updated analysis of XRP’s price outlook, broken down into short-term, mid-term, and long-term perspectives as of February 15, 2025. Short-Term Outlook (0–3 Months) Price Action & Technical Signals: • Current Price & Key Levels: XRP is trading at approximately $2.80, with immediate support around $2.60 and resistance near $3.00. A sustained move above $3.00 could set the stage for further gains, while a dip below $2.60 may trigger short-term bearish sentiment. • Technical Indicators: • The MACD currently shows bullish momentum, with the MACD line above its signal line. • The RSI is approaching overbought territory, signaling caution; this suggests that while upward momentum exists, a minor pullback or consolidation is possible in the near term. • Market Sentiment: • Favorable political developments—such as the election of President Trump and a crypto-friendly SEC—have provided a boost, helping to maintain optimistic short-term sentiment. • News of an XRP ETF application has attracted both retail and institutional interest, adding upward pressure on the price. Short-Term Forecast: Given the current technical backdrop and positive sentiment, XRP is likely to test the $3.00 resistance level in the coming weeks. However, the overbought conditions hint at potential corrective pauses or consolidation before any sustained breakout occurs. Mid-Term Outlook (3–12 Months) Fundamental Drivers & Adoption: • Institutional Adoption & Partnerships: • Ripple’s growing network of partnerships, especially with key financial institutions in Japan and beyond, is expected to drive transaction volume and network usage. • Increased integration into global payment platforms could enhance XRP’s utility as a bridge currency. • Regulatory Environment: • The current crypto-friendly stance of the SEC and the broader U.S. administration supports a more accommodating regulatory landscape. If the XRP ETF gains traction and any legal uncertainties are resolved favorably, market confidence will likely rise. • Technological Enhancements: • Ongoing improvements to the XRP Ledger, including its support for smart contracts and decentralized applications, will widen its potential use cases beyond cross-border payments. Mid-Term Price Projection: With these supportive factors, many analysts project a mid-term price range of $4.50 to $5.50. This projection rests on sustained institutional interest and the successful rollout of new products (like the RLUSD stablecoin) that further integrate XRP into the broader digital payments ecosystem. Long-Term Outlook (1+ Years) Growth Potential & Industry Impact: • Market Disruption: • XRP’s core proposition—to offer fast, low-cost international transactions—positions it to potentially disrupt traditional banking systems if adoption continues to grow. • Long-term success will depend on its ability to maintain and expand its network effects, as well as navigate ongoing global regulatory challenges. • Innovation & Ecosystem Expansion: • Ripple’s continued innovation (including stablecoin integration and possible further use-case expansions) may broaden XRP’s appeal beyond mere remittances. • As decentralized finance (DeFi) and smart contract functionality become more prevalent on the XRP Ledger, the ecosystem could see exponential growth. • Regulatory Clarity: • A resolution to the longstanding SEC lawsuit—and broader regulatory clarity—will be a critical catalyst. Positive outcomes could unlock further institutional investment and mainstream adoption. Long-Term Price Projection: In a scenario where XRP capitalizes on its technological strengths, overcomes regulatory hurdles, and leverages global partnerships, a long-term price target in the $7 to $10 range is plausible. However, investors should remain aware of potential risks from market competition, unforeseen regulatory changes, and broader economic conditions that could impact cryptocurrency markets. Balanced Conclusion XRP stands out due to its unique utility as a bridge currency and its robust underlying technology. In the short term, technical indicators and supportive news point to a near-term rally toward the $3.00 mark, albeit with potential volatility. Over the mid term, institutional adoption, technological upgrades, and regulatory clarity may help drive prices into the mid-single digits. Long term, if XRP successfully navigates its legal challenges and further integrates into global payment infrastructures, it could well see significant appreciation, potentially reaching $7–$10 or more. Investors should weigh these positive drivers against inherent risks such as market volatility, legal uncertainties, and competitive pressures. A diversified approach, staying informed on both technical and fundamental developments, is advisable when considering XRP as part of a broader portfolio strategy.
OP is disingenuous. Here is the proper deeper analysis: As of February 15, 2025, XRP is trading at $2.80, reflecting a 0.033% increase from the previous close. 1. Price Trend Analysis: • Historical Price Data and Chart Patterns: XRP has experienced significant volatility over the past year. Notably, it reached an all-time high of $3.40 on January 16, 2025, before retracing to its current level. The recent price surge can be attributed to favorable political developments and market sentiment.  • Technical Indicators: The Relative Strength Index (RSI) indicates that XRP is approaching overbought territory, suggesting potential for a price correction. The Moving Average Convergence Divergence (MACD) shows bullish momentum, with the MACD line above the signal line. Short-term moving averages have crossed above long-term averages, reinforcing the bullish trend. • Support and Resistance Levels: Immediate support is identified at $2.60, with resistance around $3.00. A break above the resistance could signal further upward movement, while a drop below support may indicate a bearish reversal. • Market Sentiment and News: The recent election of President Donald Trump has bolstered the cryptocurrency market, with expectations of a more favorable regulatory environment. Additionally, the SEC’s acknowledgment of an application to list an XRP exchange-traded fund (ETF) has fueled positive sentiment.  2. Utility Evaluation: • Functionality within Its Ecosystem: XRP serves as a bridge currency in Ripple’s payment protocol, facilitating quick and cost-effective cross-border transactions. It aims to provide liquidity on demand without the need for pre-funded nostro accounts. • Underlying Technology: XRP Ledger offers high scalability, processing up to 1,500 transactions per second with minimal fees. Its consensus algorithm ensures security and efficiency, making it suitable for financial institutions. • Support for Network Functions: While primarily designed for payments, XRP also supports functionalities like smart contracts and decentralized applications through the XRP Ledger, expanding its use cases beyond remittances. • Comparison to Competitors: Compared to other cryptocurrencies like Bitcoin and Ethereum, XRP offers faster transaction speeds and lower costs. However, concerns about centralization and regulatory challenges have been points of contention.  3. Adoption Assessment: • User and Developer Engagement: XRP has a robust community with active development on the XRP Ledger. Transaction volumes have increased, indicating growing usage. • Partnerships and Institutional Interest: Ripple has established partnerships with various financial institutions globally. Notably, Japanese banks are set to fully adopt XRP for remittances and currency conversions, potentially setting a precedent for other countries.  • Integration with Platforms: XRP is listed on major cryptocurrency exchanges and integrated into various payment platforms, enhancing its accessibility and utility. • Regulatory Influences: The anticipated crypto-friendly stance of the new U.S. administration may positively impact XRP’s adoption. However, ongoing legal challenges, such as the SEC lawsuit alleging XRP as an unregistered security, continue to pose risks.  4. Use Case Analysis: • Real-World Applications: XRP aims to revolutionize cross-border payments by providing a faster and more cost-effective alternative to traditional banking systems. Its use as a bridge currency addresses issues of liquidity and transaction delays. • Sustainability and Innovation: The introduction of RLUSD, a stablecoin pegged to the U.S. dollar, showcases Ripple’s commitment to innovation and expanding XRP’s use cases.  • Industry Role and Disruption Potential: By streamlining international payments, XRP has the potential to disrupt traditional financial systems, offering a decentralized solution that reduces reliance on intermediaries. • Scalability and Implementation Barriers: While technologically capable, XRP’s broader implementation faces challenges, including regulatory hurdles and competition from other digital assets. 5. Growth/Decline Forecast: • Short-Term Forecast: Given the current bullish momentum and favorable news, XRP may test the $3.00 resistance level in the near term. However, overbought technical indicators suggest caution. • Long-Term Forecast: Analysts have mixed views. Some predict XRP could reach $5 to $7 in the first half of 2025, driven by increased adoption and regulatory clarity. Others remain cautious, citing potential legal challenges and market volatility.  • Key Catalysts and Risks: Positive regulatory developments, institutional adoption, and technological advancements could drive growth. Conversely, unfavorable legal outcomes and market competition pose significant risks. 6. Balanced Conclusion: XRP presents a compelling proposition in the cryptocurrency space, offering technological advantages in transaction speed and cost. Recent political and regulatory developments have enhanced its market position, leading to optimistic short-term projections. However, potential investors should remain cognizant of ongoing legal challenges and market volatility. A balanced approach, weighing potential benefits against associated risks, is advisable when considering XRP as part of a diversified investment portfolio.
Transferring RWAs (Real World Assets) and putting them on XRP Ledger one industryat a time . ✅️ Using XRP as a medium between financial institutions all around the globe with aprox $0.005~ dollars per transaction cost and ✨️ in mere seconds. ✅️💯 Let you do some research on RLUSD yourself 💯🌠☄️ How fast is bitcoin and how much transaction fee it requires again?? 🤔
You’re using articles that are SEVEN YEARS OLD!?Lol! Do you recall banks ever being transparent? Times have changed a lot since then. As you enjoy living in the past so much, which don’t you check out which banks were early investors in Ripple. You forgot to mention RLUSD that uses XRP for both collateral and bridging. You fail to realise that onboarding institutions using Xrapid establishes a working relationship, builds trust, enhances the velocity of money and increases chances of those institutions becoming more dynamic as they move fully in to the digital space. Oh yeah can’t forget XRP being the ONLY crypto asset in the US with total clarity. “XRP is NOT in and of itself a security” Try harder.
You’re only up because of hype and people believing the same thing you do. Thought banks were only using RLUSD anyway??
>Why would governments not just use CDBC instead of XRP Most Xerpies are stuck in 2017 before stable coins and the possibility of CBDCS. Thats why they still parrot that narrative. Youre right though, once banks discovered they could use any tokenized asset (stable coim, RWA, bonds) in a transaction, Ripple was dead in the water. Hence why RLUSD exists now.
First of all, retail is not the target, institutions are, and they are working "top-down". This also means institutional adoption (if any, to stay objective) will happen first. Also, random regular person will never know XRP is being used even if it is, because someone will simply be "sending some money to my grandson" and thinking "Yeah, I sent USD, they got USD, that's it." While, in reality (and **this is only one example** cause XRPL won't be the only thing used in the world, lol) it's more like: 1) Avg Joe initiates USD transfer 2) Bank "takes" the USD, and sends the equivalent in some stablecoin (i.e. RLUSD) to the bank where the grandson has an account. 3) RLUSD is sent over XRPL, meaning XRP is bought in the same counter-value (or lent), sent to that bank, where it's automatically "transformed" back into RLUSD, all in the background. 4) Grandson receives USD. Not this is (over?)simplified, parts might not be 100% correct but you get the point. TL;DR: Even if it's used, it'll be in the background, so the "average Joe" will never know it's used.
Opportunity to do XXX. XRP, XLM, and XYO for Tesla spatial. Plus DOGE and USDC or RLUSD.
It’s an international bridge currency that allows cross border payments in a matter of seconds with very small fees. The system in place now has huge costs and requires banks to keep different currencies in stock for transfers. Once it is widely adopted by banks along with RLUSD stablecoins, it will revolutionize global payment systems. This has been in the works for the better part of a decade and many things are falling in to place finally. Don’t let the naysayers fool you saying this has no utility and is just your average shit coin meme. They just haven’t done their research.
tldr; Ripple’s XRP Ledger decentralized exchange (DEX) has processed over $1 billion in cryptocurrency swaps since its 2024 launch, with $400 million in January alone, averaging $17 million daily, according to Ripple CEO Brad Garlinghouse. He highlighted the platform’s growth as a key milestone for Ripple, alongside the RLUSD stablecoin and efforts to secure regulatory approval for XRP-based ETFs. The SEC has approved Bitcoin and Ether ETFs, but XRP ETF applications remain pending. Ripple focuses on enterprise blockchain applications, with the XRP Ledger supporting a decentralized exchange and automated market maker. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
Exchanges should really get their asses in gear and use RLUSD. High conversion/transfer fees and extremely long wait times will be a thing of the past.
As far as I understand it, When it comes to transactions, the idea is banks can save a ton of money off heavy fees and a lot of time on slow transfers - small banks pay bigger banks a lot of money to do transfers, and the bigger banks have large amounts of foreign currencies so they can facilitate the exchanges… (sometimes transfers might require a chain of currencies etc.) but if banks can use XRP they can have XRP instead of many other currencies in reserve, so there is value in them holding it for liquidity - they will still charge fees and make money, but they can be more competitive with lower costs and faster transfers… (on demand liquidity) But XRP also has many other features, like tokenisation or the ability for organisations to build their stablecoin/token and move it via XRP… Remember dial-up internet? Slow, limited, expensive…. On the efficiency front, No mining is a big perk… I only realised recently that once all Bitcoin is mined, it will still require mining to move (mining is currently using close to the power the entirety of Argentina or Sweeden use) … once miners are not getting rewarded with new Bitcoin, fees might increase drastically to make it feasible Here is a list of perks : Speed & Efficiency - 3-5 second transactions Low Fees – Fractions of a cent per transaction Scalability – 1,500+ TPS, with potential for 65,000 TPS Energy Efficiency – No mining, 99% less energy use than BTC On-Demand Liquidity (ODL) – Instant cross-border payments Tokenisation – Supports real-world asset (RWA) tokenisation Decentralisation – Increasing validator diversity Regulatory Clarity – ruled not a security by a federal judge... They have a ton of financial licenses as well to partner and utilise with companies all over the world Adoption & Partnerships – Used by banks and institutions (financial rails rather than rivals) Instant Payments / Micropayments Stablecoin Issuance – XRPL supports native stablecoins Anti-Spam Mechanism – XRP fees prevent network spam Multi-Currency Support – XRPL’s built-in decentralised exchange (DEX) XRP is also deflationary, so more cannot be printed… (unlike ETH / SOL / USD) … when XRP is burnt in a transfer, it is lost - the fee doesn’t go to ripple. It is just burnt By getting in earlier, there is more potential for high-percentage growth…. Market cycles are still likely to affect prices/sentiment… but there is more volatility. Once something is a sure investment, its biggest potential can be lost… So why XRP? Ripple has been building connections and networks with companies/institutions for over a decade and is coordinating with many of the most prominent players out there - they are actively working with other crypto projects as well (like ONDO and HBAR) … I like the collaborative mentality - Ripples RLUSD is backed by more than 100%, and they share monthly audits. They have identified that to work with finance, they need to regulate to the highest level. Their vision is very big, and it will be interesting to see where the future takes this…
As far as I understand it, When it comes to transactions, the idea is banks can save a ton of money off heavy fees and a lot of time on slow transfers - small banks pay bigger banks a lot of money to do transfers, and the bigger banks have large amounts of foreign currencies so they can facilitate the exchanges… (sometimes transfers might require a chain of currencies etc.) but if banks can use XRP they can have XRP instead of many other currencies in reserve, so there is value in them holding it for liquidity - they will still charge fees and make money, but they can be more competitive with lower costs and faster transfers… (on demand liquidity) But XRP also has many other features, like tokenisation or the ability for organisations to build their stablecoin/token and move it via XRP… Remember dial-up internet? Slow, limited, expensive…. On the efficiency front, No mining is a big perk… I only realised recently that once all Bitcoin is mined, it will still require mining to move (mining is currently using close to the power the entirety of Argentina or Sweeden use) … once miners are not getting rewarded with new Bitcoin, fees might increase drastically to make it feasible Here is a list of perks : Speed & Efficiency - 3-5 second transactions Low Fees – Fractions of a cent per transaction Scalability – 1,500+ TPS, with potential for 65,000 TPS Energy Efficiency – No mining, 99% less energy use than BTC On-Demand Liquidity (ODL) – Instant cross-border payments Tokenisation – Supports real-world asset (RWA) tokenisation Decentralisation – Increasing validator diversity Regulatory Clarity – ruled not a security by a federal judge... They have a ton of financial licenses as well to partner and utilise with companies all over the world Adoption & Partnerships – Used by banks and institutions (financial rails rather than rivals) Instant Payments / Micropayments Stablecoin Issuance – XRPL supports native stablecoins Anti-Spam Mechanism – XRP fees prevent network spam Multi-Currency Support – XRPL’s built-in decentralised exchange (DEX) XRP is also deflationary, so more cannot be printed… (unlike ETH / SOL / USD) … when XRP is burnt in a transfer, it is lost - the fee doesn't go to ripple. It is just burnt By getting in earlier, there is more potential for high-percentage growth…. Market cycles are still likely to affect prices/sentiment… but there is more volatility. Once something is a sure investment, its biggest potential can be lost… So why XRP? Ripple has been building connections and networks with companies/institutions for over a decade and is coordinating with many of the most prominent players out there - they are actively working with other crypto projects as well (like ONDO and HBAR) … I like the collaborative mentality - Ripples RLUSD is backed by more than 100%, and they share monthly audits. They have identified that to work with finance, they need to regulate to the highest level. Their vision is very big, and it will be interesting to see where the future takes this…
And You dont just use RLUSD because?
Sure it is. USDC is already compliant, RLUSD isn't.
In this fórum you have a lot of xrp haters, so I don’t know if it’s the best subreddit to ask your questions about xrp. I think you will be beter asking chat Gpt or similar. But xrp is not the currency, it’s the system! For payments, the currency is RLUSD and xrp is for makung the transaction.
Centralised VC shit, RLUSD will be the way...
Tbh I would avoid USDT and potentially go with a different stable coin instead that meets the mica compliance like USDC or RLUSD… people are saying tether doesn’t have the reserves to back what they say they can and can’t pass an audit - could depeg - especially if it gets kicked out of the US
XRP was deemed not a security by a federal judge and the Howey test, lol, so you’re incorrect Nvidia stock shed 17% on Monday and erased $589 billion from its market cap, the worst single-day loss of market value ever Vast portions of the stock market are incredibly overvalued Why wasn't Tether brought down under Biden and the SEC? Tether has been kicked out of Europe, and many believe it doesn't have the funds backing what it says it does… a huge risk of debugging and crashing…, and whistleblowers have been talking about it for months/years… Meanwhile, Ripples RLUSD is more than 100% backed by USD and regulation compliant - with monthly audits, publicly available - Billionaires and lobbyists infect both sides (Otherwise, maybe you could have dealt with things like stricter gun control a little better) The US likes to see itself as the leader of the free world, but it is dismally behind on a lot of issues and is actively moving towards an authoritarian oligarchy - it seems like there are a lot of deep seeded issues to combat
Didn't see this, my bad. CBDC = Central Bank Digital Currency. This is a token that is programmed and managed by central banks. Programmable money. An inevitable reality, as much as some may dislike it. Not everyone has the ability to deal with the likes of crypto. RLUSD = Ripple Labs US Dollar. This is an L2 stablecoin primarily established on the XRPL and Ethereum networks. L2 just means that it does not exist on its own chain. It instead exists and operates on either the XRPL or Ethereum chains, using their respective native tokens (XRP and ETH) to fuel the transactions.
Have you not heard of RLUSD?
tldr; The XRP token experienced a 50% rally in January, outperforming Bitcoin and Ether. This surge is attributed to positive regulatory developments, including Ripple Labs receiving approval for its RLUSD stablecoin from the NYDFS and securing money transmitter licenses in Texas and New York. Technical patterns suggest a potential breakout above $4, with indicators like Bollinger Bands signaling an imminent move. However, traders should be cautious of a possible bull trap below $2.95, with $3 being a key support level. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
tldr; In Q4 2024, the XRP Ledger (XRPL) saw significant growth, with XRP's market cap increasing by 246% QoQ, surpassing BTC, ETH, and SOL. Ripple launched its USD-pegged stablecoin, RLUSD, and the XRPL Foundation was incorporated in France. The XRPL's native token, XRP, became the fourth largest crypto asset by market cap. The network's transaction fees are burned, adding deflationary pressure. The XRPL supports various assets and functionalities, including a DEX and AMM, but does not natively support smart contracts, though plans for their introduction were announced. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
Yes, Tether is a scam. Backed by bitcoin, which is backed by Tether. The 2 trust worthy stablecoins are Circle’s USDC and Ripple’s RLUSD. Europe has figured out that if Tether ever gets audited to show their reserve assets it will show that it’s one big ponzi.
Another know it all 🤣 Think it's You who needs to do a whole Lot research on XRP XRP Ledge RLUSD and what's the other one? blanking out 👀🇺🇸🤣
The xrp that ripple holds DOES NOT give them any control over the protocol. RLUSD is being launched on ethereum. And cardano. Also, it uses “Buidl” as a liquidity pool Blackrock USD institutional digital liquidity. The power is not centralized with Ripple. The power is given to the liquidity providers. You can add whatever asset you want to a liquidity pool, or an automated market maker, and then YOU are a liquidity provider. Could you do that with the Fed? Tl:dr You don’t know what you’re talking about.
I'm totally fine with the XRPL integrating with CCIP if that means adoption of XRP, that would be an awesome outcome for me tbh. If Ripple and Chainlink can partner to bolster adoption of RLUSD, then XRP doesn't seem that farfetched.
RLUSD is barely relevant in the grand scheme of things, hell it's barely relevant even when focusing just on stablecoins. The total supply is only $70,000,000. Circle has literally minted that much just in the last 8 hours...
RLUSD is the way !
My buddy asked if he should buy some RLUSD. lol. At least he’s trying.
Saying ripple is xrp is like saying Microstratgey is Bitcoin - or the United States government is United States Dollars Clearly you have not done any research into why people hold USDT, USDC RLUSD or the other 150+ stable coins in the world. A CBDC Would be issued by the GOVERNMENT... So maybe you think you are actually living in Rippleland 😜 Xrp is not centralized - anyone who is telling you it is either is just making up whatever they want, not doing their research or straight up acting in bad faith
- stablecoins are not inherently CBDCS - Ripple is a fintech company - XRP is not Ripple: it is a decentralised, open-market cryptocurrency for liquidity and cross-border payments. - RLUSD: A stablecoin on the XRP Ledger, privately issued and backed by USD reserves, maintaining a 1:1 value with fiat USD. - CBDCS: Central Bank Digital Currencies issued by governments or central banks
It’s a very relevant comparison when it’s such a long time frame… (as some claim BTC is the only long-term investment possibility). If you want something more recent, if anyone bought in the last 2 years, they would also massively outperform… the previous 90 days. XRP is up 520 %, BTC is up 55% BTC falls short on a lot of its original goals and purposes - it’s slow and expensive to move but has found far greater value as a digital gold/store of value (ironically, other crypto projects add far greater value and utility to BTC - BTC can be sent over the XRPL exceptionally fast at a fraction of the cost And Ripple benefits from no CBDC - making their own RLUSD more attractive (Especially when something like a tether fails to meet the standards and can’t pass an audit, the tether gets kicked off European exchanges and is at risk of collapse.) which will hit the entire crypto market hard if it happens… I have BTC and other cryptos as well… I just don't put all my eggs in one basket and trash everything else
Yes. Ripple’s RLUSD and Circle’s USDC are more than enough to handle the global stable coin market.
XRP’s utility isn’t necessarily tied to buying and burning it but rather more of a gas and security backend for any transactions that happen on XRPL. For example, recently, Ripple Labs launched $RLUSD, their own stablecoin backed and pegged to $1. Any transaction with $RLUSD will take place on either ETH Mainnet or XRPL. If it’s taking place on XRPL, XRP is being burned on the backend while facilitating the transaction for a very minute fee.
transactions using RLUSD runn on XRP network thus have XRP network gas fees raising the volume and demand for XRP
Tether is the globally dominant stablecoin. EU regulations don't like that it isn't audited (or audited well, idk how to explain this much). RLUSD has the audits, transparency and backing that tether lacks. Circle back to Tether being the most used global stablecoin.. EU's market liquidity is at risk with these regulations, tether still doesn't have proper (required...) licensing to meet EU standard. They are deadlined for Dec 30th. A lot of exchanges still haven't responded to the deadline news and continue to support tether. While some exchanges have already delisted it for the EU. This whole process will pretty much bleed into the early months of 2025, but the timing also plays into RLUSDs favor. Someone correct me if I'm wrong on anything here, I'm new to keeping up with XRP myself.
RLUSD just dropped and USDT is getting shutdown in europe. hmmmmmmm
It missed the bull run because it was targeted and sued by the federal government and lost. Not only that but it was delisted from nearly all exchanges and still hit $1.96 and held top 10 market cap status. XRP is a rank. Now there are pending ETFs submitted, RLUSD is launched and the lawsuit, which has nothing to do on where or not it’s a security now, will be dropped.
With the Midnight privacy L2 layer and RLUSD stable coin coming next year, I'm hoarding more ADA: Can see £4 easily by mid 2025.
which stablecoin? could it be the newly minted, newly regulated RLUSD?
Wdym in the meantime? RLUSD is live.
I think RLUSD is pretty much primed to take its place
Dive into the financial frontier where the dance of numbers and charts tells a tale of two very different worlds: the traditional stock markets and the anarchic crypto markets. Both arenas employ the art of **technical analysis** to predict price movements, but the crypto landscape? It’s like riding a rollercoaster through the Wild West. With minimal regulation, the price swings in cryptocurrency markets are not just wild; they’re downright bucking bronco level, offering exhilarating highs and stomach-dropping lows. In this digital gold rush, where every trader is akin to a cowboy with their crypto lasso, the lack of regulatory oversight has kept the big institutional investors at bay. They’re cautious, waiting in the wings for the sheriff—regulation—to bring some order to this chaotic town. Just last week, we saw a significant milestone with RLUSD, the first stablecoin to earn regulatory approval, hinting at a potential shift towards a more civilized crypto market. Now, Bitcoin, the original digital outlaw, has long been the king of this wild terrain. But here’s the twist: despite its fame, Bitcoin’s utility is as limited as a one-horse town, and I reckon it’s set to see a decline as the big money, with its preference for stability and utility starts to enter the fray. My money’s on the up-and-comers like XRP, XLM, and ETH. These are the new sheriffs in town, with the potential to bring faster, more efficient transactions and broader utility, possibly taming the wild crypto west into something resembling the structured dance of traditional stock markets. But until then, buckle up; the ride in crypto land is as unpredictable as a saloon brawl on a Saturday night.
I see your point. My bad. I’m gambling on doge going up so I can break even On it and get out of memes for this cycle. I believe XRP has real potential giving ripples partnerships and relationships with institutions being built up over the years. Also now RLUSD has been released, which goes hand in hand with each other, will strengthen the network and use cases. Hedera, from what I’ve read is going to be used to tokenise real world assets and has gained attention from big institutions as well. Although not a prominently marketed. Happening under the radar so to speak. Ethereum, as I feel it’s a continually evolving asset which is being used worldwide and seems like a reasonable and stable choice. SUI, looks very promising as a future candidate with its console release, growing market and high adoption rate. Statistically is a very strong contender to Solana. Chainlink, I believe is a safe investment choice due to its proper use cases and I believe it has a good future ahead. Does that answer the question? I understand crypto is a gamble and I’m prepared for the risks it involves. But I know there are some very intelligent people who know a lot more than I do. Advice and opinions are good to hear. More scope and guidance are necessary for growth.
[Look at this genius trying to explain why holding RLUSD on a CEX is the prudent way to "invest"](https://np.reddit.com/r/XRP/s/zpb7fhuyAn)
Go to my original post and you'll find someone literally asking "why not" but RLUSD.
Lol, what are you flaming me for? The SEC tried to argue that stablecoins are securities and the reason why I posted was because of the numerous posts and comments on the XRP subreddit that asked where they could buy XRP. There was a post, now deleted, of someone asking if it was smart for them to have traded a few hundred XRP for a few hundred RLUSD. If I can help to frustrate even one fraudster, I'm happy to be Captain "Obvious".
if you go to the XRP sub you will find idiots aping into RLUSD
No regulations WILL happen not if, and once they do XRP will be positioned as the settlement token of choice, not only due to speed and efficiency, but also the regulatory wins like the Ripple decision and NYDFS approval of RLUSD.
Right and I responded with something that had nothing to do with RLUSD, and then you refused to engage any further. It just sounds like you're arguing in bad faith.
Whatever it is, you can also use ChatGPT to supplement your learning especially for things you don’t understand. For example, “What is the difference between RLUSD and XRP? How exactly is Ethereum meant to be adopted”