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Post is by: Money-Background7430 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/XRPUnite/comments/1qgchno/functional_zero_why_xrps_liquid_supply_is/ XRP: The Structural Scarcity Story of 2026 XRP’s liquid supply has collapsed from 3.7B to ~1.6B in 12 months, driven by ETF absorption, institutional corridor expansion, and AMM‑based liquidity migration. While total supply remains large, the liquid float - the only supply that matters for price - is projected to breach 1B XRP by Q3 2026. Regulatory clarity across global markets, combined with the rise of RLUSD and tokenized treasuries, is accelerating institutional lock‑in. As liquidity shifts from order books to AMMs, price discovery becomes algorithmic, forcing nonlinear repricing as float thins. XRP is transitioning from a tradeable token to a global settlement utility with finite operational supply. The scarcity is mechanical, structural, and accelerating. 1. The Fastest Drawdown in Crypto History On‑chain data confirms that exchange balances have collapsed from 3.7B to roughly 1.6B XRP in the last 12 months. ETF Absorption: Spot XRP ETFs (launched late 2025) are absorbing ~1% of circulating supply per month into cold storage. Inventory Drain: As of January 2026, exchange reserves are at 7‑year lows. At this pace, the “functional zero” floor of 1B XRP is projected to be breached by Q3 2026. Functional zero refers to the point where the liquid float becomes too small to support institutional settlement without severe slippage - typically around 1.1B XRP. Although ETF absorption is measured against circulating supply, the XRP they acquire comes directly out of the liquid exchange float. Why this matters: The market is competing for a shrinking pool of XRP that institutions are removing faster than it can be replenished. 2. Why XRP Is Different Most crypto assets are valued on speculation or retail hype. XRP is unique because its scarcity is driven by "UTILITY LOCK-IN", not sentiment. The Proven Model: Ripple built the corridors; institutions are now replicating them. Every wallet reserve, trust line, AMM position, and liquidity buffer removes XRP from the liquid float. Industrial Infrastructure: XRP has transitioned from a speculative token into the settlement plumbing for tokenized value. Why the Shortage Hit So Suddenly The supply shock of late 2025 wasn’t caused only by ETF proliferation. It was triggered by something deeper: institutions front‑running the future of tokenized settlement. Ripple’s early distribution was intentionally conservative. In the pre‑regulatory‑clarity era, only a tiny set of partners could legally hold XRP or operate corridors. Ripple had to seed liquidity into entities that were: - regulated - compliant - operationally capable - unlikely to dump - able to run corridors quietly This meant Ripple held the strategic inventory, while the liquid supply available to the public remained small. As global regulatory clarity improved - and as U.S. legislation like the Clarity Act moves toward passage - banks, custodians, and stablecoin issuers began accumulating XRP aggressively to front‑run the tokenized‑stablecoin economy. The Clarity Act is not required for the current drain to continue. It simply widens the aperture, lowering the cost of participation so a far larger set of institutions can embed XRP into their operations. The drawdown looks sudden because it is the release of pent‑up institutional demand that was legally constrained for years. 3. Total Supply vs. Liquid Supply (The Misunderstood Reality) Critics often cite XRP’s 100B total supply. But markets don’t trade total supply - they trade liquid supply, which is the pool ETFs and institutions actually draw from. Total Supply (100B) ↓ Circulating Supply (~50B) ↓ Liquid Exchange Float (1.6B → 1B) Today: - Liquid, exchange‑accessible supply: ~1.6B XRP - Locked in escrow, custody, reserves, AMMs, and institutional programs: tens of billions - Ripple’s strategic inventory: infrastructure, not float - OTC allocations: do not return to exchanges The world is not competing for 100B XRP. It is competing for a very limited supply that is actually liquid. This is the core of the scarcity story. - Understanding XRP’s Supply Architecture (Read Before Debating Anyone) A few points of contention often confuse people who are new to XRP’s supply mechanics, especially when they hear about Ripple’s escrow releases or ETF absorption rates. The architecture can be interpreted in different ways, but every interpretation leads to the same conclusion: the liquid supply is rapidly disappearing. - ETF absorption is measured against circulating supply - but it drains the liquid supply. -Circulating supply (~50B+) includes XRP in custody, AMMs, trust lines, Ripple’s strategic inventory, and OTC allocations. Most of this never trades The liquid supply - the XRP actually available on exchanges - is only 1- 2% of total supply (~1.6B → 1B). So when ETFs absorb 1% of circulating supply per month, the XRP they acquire comes directly out of the liquid float, not the broad circulating pool. This is why the float collapses even though the percentage sounds small. - Ripple’s monthly escrow releases do not replenish the liquid float. Ripple releases 1B XRP each month, but: - 700M–900M typically returns to escrow - 100M–300M goes to OTC institutional contracts - 0 XRP goes to exchanges OTC allocations are held in custody and never return to the liquid float. So Ripple’s escrow cycle does not offset ETF absorption, institutional accumulation, or AMM collateralization. No matter how you interpret the supply layers, the outcome is identical. Whether you focus on: - total supply - circulating supply - escrow mechanics - OTC distribution - AMM lock‑ups - institutional reserves you arrive at the same unavoidable fact: The liquid supply is the only supply that matters for price, depth, and slippage is collapsing at the fastest rate in XRP’s history. This is why the scarcity is structural, mechanical, and accelerating. 4. The Global Regulatory Backdrop (The U.S. Is Late) The U.S. is only one piece of the puzzle. The real adoption curve is global. - EU MiCA provides full digital‑asset clarity - UK EMI licensing enables stablecoin issuance - Singapore MAS supports tokenized settlement - UAE VARA enables institutional crypto rails - Japan FSA has clear stablecoin rules - Hong Kong is pushing tokenized treasuries Global institutions don’t wait for U.S. law. Tokenized settlement is already scaling offshore - and XRP is one of the few assets with regulatory clarity in multiple jurisdictions. 5. The Clarity Act: The Institutional Accelerant The Digital Asset Market Clarity Act of 2025 (H.R. 3633) is the accelerant - not the origin - of the trend. Section 310 Impact: Prevents federal regulators from forcing banks to treat customer XRP as a balance‑sheet liability. Lower Barriers: Banks can hold XRP reserves to run stablecoin pools and satisfy XRPL requirements without punitive capital treatment. The Shift: XRP becomes a digital commodity used for operational efficiency, not a speculative asset sitting in a risk bucket. 6. Market‑Maker Mechanics: Why Repricing Becomes Nonlinear As float shrinks: - Market makers widen spreads - Depth collapses - Slippage increases - Institutions must pre‑fund corridors - AMMs become the dominant liquidity layer This is the mechanical reason why: Repricing is not gradual - it is forced. When float breaches 1B XRP, the market structure itself drives price discontinuities. Why this matters: Once spreads widen and depth collapses, price cannot remain stable - the structure forces repricing. 7. The Road to the Critical Floor Looks Predictable Q1 2026: Reserves slide toward 1.3B. The January 1st escrow release (1B XRP) was the last major “buffer” before the supply‑demand curve turns vertical. Q2 2026: Stablecoin consortiums (utilizing RLUSD) launch globally, locking hundreds of millions of XRP into liquidity pools. Q3 2026: Exchange float breaches the 1B floor. Order books thin by ~40%, making large‑scale acquisitions nearly impossible without massive slippage. Q4 2026: Trading migrates to Institutional AMMs and private dark pools as the “retail float” vanishes. 8. Macro Tailwinds: Why 2026 Is the Inflection Point The timing isn’t random. The macro environment is aligned for tokenized settlement: - Tokenized treasuries exploding - Stablecoin settlement surpassing Visa volume - AI‑driven commerce requiring instant liquidity - Global de‑dollarization pressures - Corporate treasuries adopting tokenized cash equivalents - Banks seeking real‑time settlement rails XRP sits at the intersection of all of these trends. 9. Repricing Through Necessity At the low $2 area today, XRP is in a period of “quiet accumulation.” Once the 1B float is breached: Nonlinear Repricing: Institutions needing hundreds of millions of XRP for settlement will force the price higher as demand overwhelms supply - and given XRP’s utility, this is unavoidable. The Reserve Asset Transition: XRP shifts from a “tradeable token” to a reserve instrument for the global multi‑money verse. 10. The 2026 Institutional Multiplier The final piece of the scarcity puzzle is the collateralization of RLUSD. As Ripple USD (RLUSD) becomes the core settlement asset for entities like LMAX Group and European payment providers, a multiplier effect emerges: The Bridge Requirement: Every $1B in RLUSD volume requires a corresponding layer of XRP liquidity locked into AMMs to maintain low‑latency conversion. Tokenized Treasuries: Platforms like Ondo Finance are now using XRPL for U.S. Treasury redemptions. Every dollar of tokenized debt moved over the ledger increases the “utility tax” paid in XRP. The January 15, 2026, Ripple-LMAX partnership (integrating RLUSD a
Post is by: Animalverse and the url/text [ ](https://goo.gl/GP6ppk)is: https://animalverse.social/community/p/32214/ Ripple is providing $150 million in financing to LMAX Group as part of a multi-year partnership that will integrate the RLUSD stablecoin across institutional trading infrastructure https://animalverse.social/community/p/32214/ *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
Yeah i mean why would anyone be obligated here? I wasn't referring to obligation so I'm not sure why you are bringing that up. I was mentioning how using Ripple/XRP would benefit others, not that others have to use it. Tokenization is coming, a new enhanced efficient cross border payments system is coming and inevitable as long as the worlds tech hasn't disintegrated. If you think JP Morgan is going to be the King of the future of cross border payments and tokenization and offer better solutions and products, then invest in JP Morgan i hope. Good look to JP Morgan finding the liquidity and trust to move the worlds money and catching up to other blockchains years ahead of them. And no matter what a JP Morgan blockchain will always be Centralized because its OWNED BY JP MORGEN. This can work for people who chose to bank with JP Morgen, but that's where its use case ends. People that don't want to use or trust JP Morgan or any other bank or companies' centralized blockchain product are much more likely to use a product that is free from banking, government, and business influence (DECENTRALIZED). Also, JP Morgan can create its own blockchain (any bank or business can) and still use XRP, SOL, XLM, ETH, HBAR, and other cryptos' software. Its called interoperability. Companies with and should build their own blockchains built to there specific needs. Just as they should also turn to others that help them save time & money. I'm betting on both happening. Banks building there own blockchains actually makes it easier for them to integrate with crypto like XRP and XLM through stable coins and interoperability lol. Could XRP go to zero? Of course. My view is that it will be worth a lot more than it is today. If you think it will have no role in the future that's cool. We'll see what happens. You see that article you just posted of BNY? Did you know BNY and Ripple are collaborating? Lol https://www.bny.com/corporate/global/en/about-us/newsroom/press-release/ripple-selects-bny-to-custody-ripple-usd-reserves.html#:\~:text=Ripple%20is%20the%20leading%20provider,%2C%20exchanges%2C%20and%20moves%20value. https://thedigitalbanker.com/bny-mellon-to-hold-reserves-for-ripples-new-stablecoin/#:\~:text=These%20efforts%2C%20if%20successful%2C%20would,regulated%20tools%20for%20value%20exchange. "Bank of New York (BNY) Mellon and Ripple have a strategic, expanding collaboration centered on the integration of digital assets into traditional finance. Key aspects of their relationship include: * **RLUSD Custody**: BNY Mellon serves as the primary reserve custodian for Ripple's enterprise-grade stablecoin, Ripple USD (RLUSD). This partnership lends credibility and regulatory alignment to RLUSD by having its cash reserves held by one of the world's largest and most trusted global custodians. * **Tokenized Deposits**: Ripple Prime, Ripple's institutional arm, is an early adopter and participant in BNY Mellon's new **tokenized deposit service**. Launched in January 2026, this service allows institutional clients to convert cash into digital tokens on a private blockchain, enabling 24/7, instant settlement for transactions like collateral and margin workflows, which is not possible with traditional banking systems that have cutoff times. "
Remember when ripple minted 90% of RLUSD on a competing chain (eth). Even ripple doesn’t want to use the chain. Lmfao.
Banks can't really hold it and use it just yet. Currently XRP is a tier 2 risk asset under basel III international regulatory framework. So what this means currently as a tier 2 risk if a bank holds xrp they have to hold 12.50 in reserves of USD. Once XRP is made a 2b risk or tier 1 asset then that reserve requirment goes away and then banks will have to hold it on their balance sheet to use. Im not saying XRP is going to be the only thing banks use. The way it looks is multiple block chains and different crypto will be used and all work together. But XRP's use will be to replace nostro vostro accounts for cross boarder payments between different countries which is around 10 trillion dollars a day. This is XRP's target along with the derivitives market which is trillions along with settling the back end of the stock market which is trillions as well. Whatever the amount that XRP is used to settle it has to be worth that amount and actually more to prevent slippage and marekt volitility. Xrp has clarity already from the lawsuit but none of the other block chains do and they along with banks need the clarity act passed to all be used together and to also hold XRP and use it. Transactions dont have to run through XRPL to use XRP. Also Ripple minted 1.3 billion in RLUSD which is a fraction of what would be needed to serve XRP's purpose. XRP will be revalued as its use cases go up and it has to be worth the amount of money running thorugh it.
Yes and you responded by messaging me lol there’s no irony. XRPL is a scam made obsolete by stablecoins, tokenized deposits and atomic swaps. There’s a reason ripple has minted 90% of RLUSD on a competing chain.
Lots of misinformation here. Protip: Don’t listen to people that don’t know anything about XRP or Ripple, they are different, *Ripple* the company behind the open source crypto called XRP isn’t trying to make their stablecoin (RLUSD) the only coin out there, that’s never going to happen, and honestly they’ve stated that and it’s unrealistic. Ripple just had a banking charter tentatively approved by the OOC. Ripple has bought a number of companies in the last year, one of which was called “hidden road”, look up the company. They are using their XRPL (the ledger) to facilitate payments across different banks and stable coins. XRP is the liquidly they are going to use. Essentially they want to replace the nostro vostro accounts that banks must use for cross board payments. Imagine this: you, as a banking institution, are required to hold a certain amount of money to clear payments from aboard. Basically this is dead money. With XRP they can use that to provide that “On Demand Liquidity” (ODL) allowing them to invest or lend out that cash instead. XRP has the most successful spot ETFs this year of any ETF with 5 I believe taking in quite a bit of money, which will drive up the price, which banks want to use for liquidity purposes. To allow this XRP has to be expensive to get slippage to a minimum (under .5%). Invest in what you want, do your DD, NFA, but my guess, my gamble— as all crypto is; is that XRP will be a very boring crypto that makes a lot of people that were patient. But certainly don’t listen to the vast majority of people on XRP, 90% of them are BTC maxis that think we will take money away from them. Not the case, we do two completely different things, and they just hate because they loved the hateraid. Also, if you think Trump is only catering to those that bend the knee, which I do, look up who has given millions to his election fund. Who is likely going to be on his crypto board, who the new incoming CFTC chairwoman is and which company she worked for. Ripple is absolutely known by Trump and his family, in fact Eric Trump follows “Good Evening Crypto” an XRP centric YouTube show. That being said, there are some really large numbers out there, look up Jake Claver, he makes some very interesting claims on future price LoL, so definitely take these people with a grain of salt. But TL;DR - I would say that XRP is worth buying as long as you don’t mind boring coins that will likely take a while to get adoption and will likely move to about 12.50 or so. That’s my hope atleast, anything above that is just gravy in my opinion.
Ripple plans to expand their RLUSD to other chains. Ripple is focused on growing the Ripple ecosystem for Ripple Lab shareholders, not the XRPL ecosystem for XRP holders.
Post is by: Animalverse and the url/text [ ](https://goo.gl/GP6ppk)is: https://animalverse.social/community/p/27753/ Happy Monday! Bitcoin is bleeding back below $86,000 after last week’s hawkish Fed cut, with analysts saying markets have shifted into wait-and-see mode as December inflation data is set to decide whether risk appetite revives or continues to fade into year-end. In today’s newsletter, JPMorgan launches a tokenized fund on Ethereum, Ripple taps Wormhole to expand RLUSD to Layer 2 chains, Visa launches a new “stablecoins advisory practice,” and more. #JoMorgan #Ethereum #Ripple #RLUSD #Wormhole #Layer2 *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
Flexa is asset agnostic. Point is to use any asset to pay thru the new rails. Flexa isn’t issuing a stable coin like what RLUSD is
XRP isn't. But this is what there new stablecoin RLUSD is designed to do.
>Ask XRP Tundra Youre confused, Tundra on Solana are the ones using Chainlink data for execution, XRPL only copies the data over and records it lol > and Ondo Finance, both are on the XRPL, both use Chainlink’s oracle for a data feed. lol.....Thats not how it works. Integrations are chain specific. Ondos Chainlink integration is Ondo specific, not XRPL native. XRPL does not natively consume, secure or settle Chainlink data at the protocol or consensus level, they have to pay Chainlink for this integration. Ripple only has a RLUSD integration with chainlink on ETH not XRPL.
RLUSD is native to ETH and XRPL networks
>The ‘zero-sum game’ line is just an AI talking point recycled by other XRP cultists pushing low effort slop, not an actual argument. No, you see it as one coin will rule them all, one ecosystem to rule them all, that is not reality, interoperability is what the XRPL is about, has always been that way, it’s been an ethos of David Schwartz since the beginning. I will give an example, the XRPL is oracle agnostic. Even though the XRPL has a native oracle built in, it allows any oracle to be plugged into it to be used by any developer that wants to use what they want to use. This interoperability strengthens the use case for XRPL, there is no zero-sum game attitude, that would make the ecosystem closed off, you thinking interoperability as not being an actual argument for a broader use case is just weird. >And yes, of course RLUSD profits go to Ripple, that’s exactly my point. Ripple continues to monetize around XRP while XRP holders get nothing but marketing narratives. Ripple owes nothing to holders of XRP, they too are holders of XRP, so am I, do I owe you something!? To think Ripple owes anything to other holders shows a vast misunderstanding of what Ripple is to the XRPL and XRP. >If XRP is supposedly central to the ecosystem, it’s odd how every revenue generating product bypasses it entirely. Saying ‘why would profits go to XRP holders’ exposes the problem lol You’re defending a structure where the company wins and the token is optional. Ripple uses the XRPL and XRP for their use case like any other company that develops on the XRPL. You seem to be under the assumption that Ripple created the XRPL and XRP, controls the XRPL and issued XRP, they didn’t. Your arguments are built on a misunderstanding of what is reality. >You’re confused about how XRPL is competing with other chains and seem to think ‘different use cases’ means XRPL has no competition, which is a fundamental misunderstanding of how blockchains compete. No, you thinking chains that are not primarily used for remittance are competing with a company that offers enterprise software to their clients using a remittance chain is what shows me you are the one confused.
The ‘zero-sum game’ line is just an AI talking point recycled by other XRP cultists pushing low effort slop, not an actual argument. And yes, of course RLUSD profits go to Ripple, that’s exactly my point. Ripple continues to monetize around XRP while XRP holders get nothing but marketing narratives. If XRP is supposedly central to the ecosystem, it’s odd how every revenue generating product bypasses it entirely. Saying ‘why would profits go to XRP holders’ exposes the problem lol You’re defending a structure where the company wins and the token is optional. You’re confused about how XRPL is competing with other chains and seem to think ‘different use cases’ means XRPL has no competition, which is a fundamental misunderstanding of how blockchains compete.
The truth is crypto is not a zero-sum game, not sure why you believe Ethereum is a competitor when the two chains have very little similarities and are used for vastly different use cases. Of course any profits from RLUSD goes to Ripple, the company that created and issued that coin, why would any of the profits go to XRP holders? Makes zero sense to say such a thing. You have a long road of understanding ahead. I am not coping, coping about what? I understand what Ripple is to the XRPL and XRP, and I understand my gains since 2016 are impressive af.
The truth is, Ripple has minted 90% of RLUSD on a competing chain. All stablecoin profits go to Ripple not Xrp holders.
>RLUSD first, XRP not mentioned. Ouch. I understand and can see you don’t know what you don’t know, the reason this is big for RLUSD is because of regulation and compliance. >first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight. XRP does not have oversight. XRP isn’t tied to any single country, issuer, or banking system (the X in a ticker like XRP, XLM, XDC represents no single country, issuer, or banking system), and stable coins like USDC, USDT and RLUSD are issued by companies under U.S. or other jurisdictions, this adds counterparty and regulatory risk and why they operate under regulations and oversight. Each stablecoin token represents a claim on Circle, Tether or Ripple’s reserves and must operate under their respective regulatory obligations, that is counterparty risk a native asset like ‘X’ assets do not have, when XRP is used the sender holds it, they directly control it on chain via their keys, there’s no redemption promise, no issuer, and no entity that can freeze or revoke it, therefore no counterparty risk. USDC/USDT/RLUSD adds counterparty and regulatory risk because it depends on an issuer’s compliance and solvency and XRP does not because it exists independently of any central authority. To you, you see no mention of XRP and that must be a negative in your head. The truth is there is no reason to mention XRP because the whole statement by Brad is about regulation and compliance of their stablecoin, the asset they own and issue. Ripple did not create XRP, nor have they ever issued it, they do now ‘own’ it. To speak of XRP in this statement would make zero sense because XRP does not have a central authority to regulate.
Wow. Omg. My eyes have been closed for my entire decade in this space....how could I have ignored this!? >Ripple owns, hidden road, metaco, rail, and many other financial institutions. Clearing houses. Lending. Payments. Stable coins. Paxos was one of the first RWA providers and is also providing custody, lending, clearing, so you're wrong. Ethereum and Solana already have >Circle is a one trick pony. Buy t bills and get paid interest. Paxos and fidelity have no innovation, and don’t have their own block chains. >They are literally not competitors in any way Circle is native on 22 blockchains **including the XRPL** and can be traded on the XRPL *without even having to touch XRP*(thankfully for them). If USDT had the ability to be independently audited and become more compliant, they might have a shot, but USDC is the second largest stablecoin by market cap and is compliant with U.S. laws. the head start they have against every other competitor is massively. Incredibly massive. Let me ask you this - if USDC is native on 22 blockchains and can be used on the XRPL **without needing XRP**, why would anybody use RLUSD and how does this help the XRP token? Why wouldn't people use the independently audited familiar stablecoin USDC that can be sent easily to other chains and remain as UDSC and instead use RLUSD? >The XRPL is the ONLY THING that can connect all of those businesses and allow for free and easy transfer of stable coins. XRP can act as a bridge asset for liquidity between stablecoins, you do not have to hold/consume XRP just to transfer a stablecoin like USDC because the instituitions that want to partner with Ripple, don't want to touch XRP because they don't have to, it's dogshit, and would add unnecessary risk. More and more they are making it so they don't need to hold or interact with XRP the transaction sablecoins on the XRPL, because that's literally almost every one of them want. There is very little institutional demand for the XRP token, but there are people that want to explore Ripple's remittance capabilities, just without the XRP token being involved.
RLUSD transacts on ETH Mainnet and XRPL. Currently RLUSD volume is around 80/20 split respectively. USDC can also do the same but I suspect RLUSD will slowly become the top stablecoin. It’s very compliant, the most. Highest graded. Couple that with this banking interface and its marketcap should grow quick. Already has, look at its marketcap graph. Exponential curve.
I think it's hilarious that this is **obviously** for RLUSD and not XRP for one And also that Circle(USDC), Paxos, and Fidelity ALL GOT THE SAME GREEN LIGHT AS RIPPLE. You xrp folks love to only hear what you want and ignore everything else. It doesn't mean that they chose Ripple specifically and exclusively, quite the opposite. Circle's USDC is going be the top dog in this space without a shadow of a doubt.
This deal basically just linked ETH and XRP to ACH directly via RLUSD. From ACH they’ll Segway into FES, etc. Huge news for XRP and ETH. The upward pressure on them from RLUSD will be substantial.
Heres Bradley Garlinghouses official statement: [https://x.com/bgarlinghouse/status/1999514993977622691](https://x.com/bgarlinghouse/status/1999514993977622691) >*HUGE news! Ripple just received conditional approval from the USOCC to charter Ripple National Trust Bank. This is a massive step forward - first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight.* *To the banking lobbyists – your anti-competitive tactics are transparent. You’ve complained that crypto isn’t playing by the same rules, but here’s the crypto industry – directly under the OCC's supervision and standards – prioritizing compliance, trust and innovation to the benefit of consumers. What are you so afraid of?* RLUSD first, XRP not mentioned. Ouch.
tldr; The Office of the Comptroller of the Currency (OCC) has granted conditional approval for national banking charters to five stablecoin issuers: Circle, Ripple, Paxos, Fidelity, and BitGo. These companies are responsible for issuing stablecoins like USDC, RLUSD, USDS, and PYUSD. Fidelity is preparing to launch its stablecoin. The OCC highlighted the benefits of new entrants in the banking sector, while Anchorage Digital Bank, the first crypto firm to receive a charter in 2021, welcomed the move as a validation of federal banking regulation's role in strengthening the digital asset ecosystem. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
tldr; Ripple's RLUSD stablecoin has surpassed a $1.3 billion market cap, achieving a 1,278% year-to-date growth. This surge is driven by a strategic multi-chain deployment across Ethereum and the XRP Ledger, enhancing accessibility and functionality. Partnerships with Gemini and Mastercard have further integrated RLUSD into institutional payment systems, positioning it as a competitor to USDT and USDC. Analysts highlight the benefits of Ripple's interoperable approach, which aligns with industry trends favoring scalable, cross-chain solutions. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
XRPL has no DeFi. [http://defillama.com/chains](http://defillama.com/chains) XRPL is ranked 47th by chain TVL. [http://app.rwa.xyz](http://app.rwa.xyz) Around 1% RWA marketshare. [http://defillama.com/stablecoins/ch…](http://defillama.com/stablecoins/ch…) .01% marketshare in stablecoin issuance with 75% of that .01% coming from Ripple's RLUSD [http://defillama.com/chain/xrpl](http://defillama.com/chain/xrpl) It has less than $10M per day in DEX volume. and It's ranked 46th in developer adoption with only 62 full time devs.
Ripple Labs (RLUSD) and Circle (USDC) are going to feast on USDT’s corpse. Folks should get it in on those stablecoins’ native chains. The volume is going to create some nice organic flywheel utility for their native tokens operating as gas, etc.
XRP is a memecoin in a business suit. They are delusional, bots, or paid shills. They have a max TPS of 1500 theoretically. This can't handle one payment network (Visa does 10-20kTPS), let alone world finance. They've pivoted several times and are failing each time. Cross border payments? Anyone can do that - DOGECOIN can do that. They want to be a bank? LOL nope. Pivot to Stablecoins with RLUSD? No one wants to use it, there's better options like USDC. More than 80-90% of "Ripple partnerships" will NEVER touch XRP. Only 50% of the XRP supply is released, plenty of dumping on retail remains. On Demand Liquidity ODL - LOL - are they saying that world finance doesn't have the LIQUIDITY to function??? Hedera Hashgraph is superior by every metric, and is a true utility. Hedera Consensus Service (HCS), Hedera Token Service (HTS), EVM Smart Contracts, Stablecoin Studio, RWA Tokenization Studio, AI Agent Studio, NFT Studio, etc etc -- UTILITY. HBAR has superior (best mathematically possible) security, unlimited scalability, is more decentralized. The Trilemma is defeated. HBAR > XRP
> That’s the core mistake here. > That’s the part your explanation leaves out. Yeah, since it's not entirely relevant I wrapped that up into "Just, ignoring historical questions, that's the idea." Been responding on ELI5 a lot lately ;) And I say not relevant only because I was making a Stable/CBDC comparison, for the comparison it's fair to assume proper behavior. IDK about RLUSD but generally your comment is correct of course. Tether have been a nightmare.
Tether isn’t “reliable, audited collateralization.” That’s the core mistake here. A pegcoin only works if the issuer is transparent, and Tether still refuses to provide a full, independent audit after more than a decade in business. That’s why Bluechip rates it D. It’s why regulators in parts of Europe have restricted it. And it’s why so many payment specialists, risk officers, and treasury people don’t treat USDT as a trustworthy bridge between fiat and blockchain. You’re right that the concept of a fiat backed token isn’t meant to be decentralized. The goal is to move dollars on chain. The problem is how that’s done. A company that controls billions in customer deposits but avoids audits and keeps its reserves offshore isn’t “bringing value onto the blockchain in a reliable way.” It’s introducing counterparty risk that’s bigger than most banks. If you want an example of how this should be done, look at RLUSD. It has an A rating from Bluechip because the reserves are held by BNY Mellon, with regulated custody, full transparency, and real oversight. USDC lands in the middle with B+, because they publish monthly attestations and work with U.S. regulators. So yes…stablecoins act bank like on chain. But Tether skips the safety rails that banks are required to have. When a company won’t repeatedly submit to a full audit, has been fined for misrepresenting its reserves, and holds assets in opaque offshore entities, you don’t get reliability…you get a risk that everyone pretends isn’t there until something breaks. That’s the part your explanation leaves out.
Tether works the way you described..people hand over dollars, Tether hands back a token, and Tether controls the reserves. You’re right that this feels a lot like a bank, and that’s exactly why so many people have concerns about it. The issue isn’t that the model is impossible, it’s that Tether has a long history of avoiding transparency. Well known history of full audit avoidance. Bluechip…the independent ratings group for stablecoins, gives Tether a D rating because they still don’t provide a full audit, only quarterly “attestations,” and their own terms allow them to delay redemptions if their reserves aren’t easily available. That’s why parts of Europe have restricted or discouraged the use of USDT..regulators don’t like the opacity, and some exchanges there are phasing it out. They’re trying to fool everyone with their “new” stablecoin. On the other hand…for example…RLUSD is built in a completely different way. It has an A rating (the highest) from Bluechip because its reserves are held by BNY Mellon, one of the oldest and most trusted custodians in the world. It’s issued under a New York trust license, it’s fully regulated, and it’s designed for real payments and institutional settlement rather than a giant offshore casino. USDC sits in the middle with a B+ rating more transparent than Tether, not as strong as RLUSD. your instincts are right. Tether is centralized, it acts like a bank without the regulation of one, and that’s why its rating is so low. The point of stablecoins isn’t decentralization..it’s convenience and liquidity, but some are built responsibly and some cut corners. Tether cuts corners. RLUSD does not.
"Cant believe these people dont take RLUSD... Whats the world coming to"
> Ripple marketed XRP as a magic settlement token that would replace nostro/vostro accounts and allow instant FX between any two currencies. it does allow instant settlement between two currencies. >In reality, using XRP creates more liquidity gaps because it’s volatile, Volatility is a calculation of the spread X Time in the asset. When you drastically reduce the amount of time required in the asset, you can increase the amount of spread by the inverse of the time saved and you'd still be ahead in terms of volatility.... >XRP also isn’t actual money Nobody claimed it is, Neither is BTC or USD. >and banks can’t legally rely on an asset that isn’t recognized as legal tender by any central bank. source lol. "banks dont use bonds, ETFS or IOUS" is maybe the most incorrect thing youve ever typed. >Every major bank, FMI and payments network moved to tokenized deposits, stablecoins or direct ledger-to-ledger messaging that doesn’t require any third-party asset like xrp. Yes they are building their owned walled gardens for internal settlements, the issue they run into is when JPM wants to transact with Santander. Walled gardens dont interoperate very well. >So is a bridge currency that no one uses a scam? Your definition of "no one using" is flat out incorrect, there are many such transactions on the ledger. its freaking public you could just look them up, but you choose to remain ignorant or you discredit them because of XYZ reason. You're ignorance doesnt mean you're correct. > Not legally but economically? 100% See above point. >It’s a speculative token whose original use case has been replaced You dont even have what is original use case was correct... No wonder you get everything else incorrect. its all based on ur false assumptions and lack of knowledge about the topic. >outperformed, abandoned by banks and abandoned by Ripple itself. lol "abandoned" by Ripple... lol again announcing you're clueless. let me guess, you're gonna say promotion of RLUSD is them abandoning it? cuse that just highlights you dont understand how to go wide with verticals. >That’s why it’s a scam. It’s a bank themed meme coin. So to clarify, its a scam because you misunderstand how it was supposed to be used, how it functions today, what it can be done and who is currently using it. yeah like I said, its a "scam" because you say its a scam. not being of any actual valid reason
RLUSD use case competes directly with the primary demand for XRP. If XRP is valued only for paying gas fees then it's worth a fraction of its current value, even assuming RLUSD becomes the dominant stable coin used by banking institutions.
Stablecoins will big for sure.. But does Ethereum network use Ethers? Nope, they use all kinds of coins n stablecoins. Just like XRPL will use RLUSD and other coins too. The future is interoperability. Ethereum rn dominates w over 40% of all crypto usage. So, XRPL has a catch-up to do. It doesn't happen to ne #1 to be one of the major players of next 20 years.
I'm well aware of the difference between all of those. You made the point for me... Ripple had to pivot to RLUSD because their original use case made no sense for the large financial institutions. RLUSD is not only barely top 10 in usage, but then 80%+ of that usage is on Ethereum, not the XRPL. Absolutely nothing we've seen justifies XRP's marketcap positioning.
It’s like building a new google instead of rebuilding the internet. The internet works just fine so let’s use that and build a site on the internet to do its job. The networks that can send stable coins are the only coins with real world use other than that it’s all a dream. Which is why ripple said we need a stable coin. Why would you open another project ( rlusd ), when you already have the unique one and only xrp which is the future of the world? It doesn’t make any sense. If xrp is the only one to provide liquidity and whatever else bs they preach why do you need RLUSD? Because they realized xrp was outdated and can still use the xrpL to keep up with times and built a stable coin on top of it to keep up with current times. Stable coins provide everything that one would need in real world use to transfer funds quickly and efficiently.
While banks' preference for stablecoins does introduce competition that could cap XRP's explosive growth in certain enterprise channels, it doesn't spell doom for price appreciation. The stablecoin shift is more of a mixed bag: it risks diluting XRP's direct utility in RippleNet flows, but it also amplifies XRP's role as the underlying "gas" and bridge asset on the XRPL. RippleNet wouldn't "replace" SWIFT outright—it's more likely a complement, with hybrids (e.g., SWIFT messaging + Ripple settlement) dominating by 2026 via ISO 20022 alignment. Banks would flock to stablecoins for 70-80% of flows, prioritizing stability over XRP's raw speed. That’s true. But XRP endures as the "neutral rail" for interoperability, especially as bank stablecoins proliferate—think of it as the internet's TCP/IP under proprietary apps. Ripple's pivot to RLUSD underscores this: stablecoins for the masses, XRP for the plumbing. Stablecoins temper XRP's "replace SWIFT overnight" narrative, making $100+ dreams unrealistic without massive global buy-in. But with ETFs live, RLUSD as a feeder, and post-SEC clarity, appreciation looks probable at 20–30% annually through 2030. It's not "to the moon," but it's a far cry from stagnation; XRP's plumbing role in a stablecoin world could make it the quiet winner.
XRP is used as gas, and secures the transaction via cost based deterrence, for any transaction on the XRPL. This has been confirmed by the CTO. RLUSD taking off is a boon for XRP. Even if the network of choice for transacting remains split between ETH Mainnet and XRPL around 80-90 / 10-20 that’s still billions of dollars of volume on the XRPL needing XRP as gas. There’s also XRP being removed from circulating supply to create trustlines for RLUSD on XRPL, Liquidity Pools, etc. Legitimate flywheel utility and organic upward price pressure. A lot of people are concerning themselves with XRP losing grip on the cross border payments narrative but it’s more of a change of mechanism. It’s still facilitating the transactions but not as the currency of choice. Not financial advice but imo the cryptos to watch closely are any cryptos whose native chain is used to transact stablecoins in such a way that said cryptocurrency is required as gas.
With money they got from selling XRP. Ripple said RLUSD was the centre but Bradley reassured his bag holders that no, XRP is actually the centre! (Integrations coming 2035) The “mastercard partnership” is with the Gemini XRP credit card program only. Hardly groundbreaking and not company wide.
Dont listen to that fool. Hes lying to you. Big banks are never going to use XRPL, thats why Ripple is trying to become a bank. XRP is a bank-themed meme coin that doesn't actually do anything or solve anything. XRP holders have zero exposure to Ripples announcements or acquisitions. RLUSD does not benefit XRP holders in any way. 90% of it is issued on Ethereum. RLUSD profits go to Ripple Labs, not XRP holders. XRPL is ranked 50th by TVL. Less than 1% RWA marketshare. It's ranked 46th in developer adoption with only 62 full time devs. It has less than $10M per day in DEX volume. XRPL is a obsolete ghost chain.
> This isnt WIDE, its a gimmick for one of their stupid credit card programs. its the very definition of it. They have been acquiring companies and cutting deals for companies to do Treasury payments, Lending payments, and with RLUSD for on/off ramp payments. You're just flat out incorrect once again. >Sounds like 2017/2018 all over again and another generation of bagholders. Where XRP had the higher % RoI in that year? 36500%.... what would be wrong with that? or did you get ur years mixed up and get confused about when crypto winter starter. > The infrastructure of those companies they bought have nothing to do with blockchain and wont have anything to do with the XRPL blockchain for a very long time, if ever. They're all payment companies within the same tech stack. You are like.. 0 for 30? now would be my guess
I'm trading on Bitrue. There is a lot of liquidity, especially in the RLUSD/XRP pair.
It’s a very good fit for institutional finance. RLUSD is regulated by the NYDFS and fully backed 1:1 by USD. Also, integrations with Ripple Prime and GTreasury basically make it plug-and-play for institutional finance.
>Its literally just another vertical in their payment stack for onboarding volume via RLUSD. For all of the 50 users that got the XRP credit card. It’s basically a PR stunt wrapped as innovation, it not some company-wide integration. Its also a pilot, no guaranteed rollout and it doesn’t make XRP itself more useful. >They went into Treasury, holdings, Lending, On and off ramps and many other payment verticals. You mean buying adjacent fintech products to stay relevant while the core blockchain solution remains unused.
tldr; Ripple has raised $500 million in a strategic investment at a $40 billion valuation, led by Fortress Investment Group and Citadel Securities, with participation from major financial institutions. The funding will support Ripple's expansion in payments, stablecoins, and prime brokerage services. Ripple's RLUSD stablecoin reached a $1 billion market cap within a year, and its payments network has processed over $95 billion. The investment highlights institutional confidence in Ripple's growth and market potential. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
Good news for ETH - RLUSD is almost exclusively minted and used on Ethereum.
>Oh is this the new buzzword you’re using now, “payment verticals”? 😂 Yes such a "new buzzword" that I was discussing it on reddit in this very sub https://old.reddit.com/r/CryptoCurrency/comments/1hst1vu/xrp_dethrones_usdt_now_ranked_third_largest_crypto/m5di3u1/ 10 months ago https://old.reddit.com/r/CryptoCurrency/comments/1byzggx/ripple_ceo_predicts_crypto_market_will_double_in/kyr2t4y/ 1 year ago https://old.reddit.com/r/CryptoCurrency/comments/15fau6b/xrp_got_much_more_love_than_they_deserve_ripple/jupusix/ and even 2 years ago... if you check the ripple subreddit I was using it actually 5 years ago to discuss the topic. >This is a pilot for their xrp Gemini credit card program only…A farcry from “takin over le global financial system” lol PRs wet dream Its literally just another vertical in their payment stack for onboarding volume via RLUSD. Like I said years ago, once you solve payments, you take that solution Wide instead of just continuing to max out the same vertical. you instead go into Multiple verticals which is exactly what Ripple did. They went into Treasury, holdings, Lending, On and off ramps and many other payment verticals.
Now the 50 customers with the XRP gemini credit card can use RLUSD to settle! Truly groundbreaking!
I would like to invest in Ripple directly...But I understand that it is privately held at this point. I am not familiar with investing in RLUSD, so I have shares on Coinbase. What am I missing?
$1B market cap in under a year is not too shabby. RLUSD Is growing faster than I expected tbh.
XRP has nothing to do with RLUSD either. Just more bag holders getting shafted
Where are you guys trading RLUSD? My CEX doesn’t have it.
Last year am up 400%+ and this year 130%+ on xrp. I don’t think I can say the same by holding any other coin. Also, yes I agree that XRP is slow to move, but I think any project that entangles itself and depends on bureaucracy and regulations to move forward is slow to move (that’s the nature of thing) Apart from all of this, I want you to analyse XRP from as many verticals as you can, - is a network by itself (XRPL) - probably the most compliant and regulatory friendly project there is (trust me if crypto is going to survive in the world, it needs the gov on its side) - has its own stable coin (RLUSD) - making big moves of RWA front (L2s like Onda, Axelar help) - launched its own “network in built liquidity and DeFi solution” (many people don’t understand the unique point of this) - applied for a banking license - proven liquidity bridge - absolutely stacked team as directors and advisors - network with the most number of pending ETF applications due Am sure I missed a few. All of these have to reflect on to the price at some point
Pointing out facts isn’t toxic, it’s just uncomfortable for people who’ve been ignoring them. Can you tell me why Ripple has minted 90% of RLUSD on ETH if XRPL is so great?
LINK is using RLUSD, which uses XRP. LINK is providing battle tested infrastructure, and RLUSD/XRP is providing the liquidity. You need oil in the car for it work.
You’re right that they’re a vendor more than a partner but the more important aspect is Chainlink and Swift have incentive alignment whereas Swift and Ripple do not. Chainlink is value accretive to Swift’s network. They enhance Swift’s network by allowing ISO 20022 messages to auto trigger on-chain events like subscriptions and redemptions for a tokenized fund. That benefits everyone: Swift, fund managers, prime brokers, custodial banks, CSDs and end-investors. Ripple is value depletive to Swift’s network. (1) RippleNet competes directly with Swift messaging. (2) RLUSD competes directly with bank deposits, which are the bread and butter of Swift’s commercial and transaction bank customers. (3) XRPL is not credibly neutral in the eyes of Swift or the banks given 1 and 2. It doesn’t matter how you define the relationship between Swift and Chainlink or Swift and Ripple. The point is Ripple will not see collaborative tailwinds from Swift because the incentive alignment is wrong.
XRP was meant to help fund Ripple the company. Once they go public, they will dump XRP and it will be useless because no banks want to use it. Why use XRP when they can use stablecoins or make their own coins? Even Ripple has their own stablecoin, RLUSD.
tldr; Ripple Labs and XRP have seen significant developments in 2025, including a 600% price increase and regulatory clarity following a settlement with the SEC. The launch of the XRPR ETF marked a milestone, though its high fees and structure have limited impact on XRP's price. Ripple's focus on stablecoins, including RLUSD, and acquisitions like Rail highlight its shift towards modern finance. The future of XRP's price depends on factors like ETF approvals and its utility as a bridge asset amidst competition from stablecoins and RippleNet partnerships. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
The most secure, decentralised Blockchain - layered modular approach is superior to monolithic chains like Solana and has parallel processing ( unlike sequential with Ethereum) Modular synergistic solutions for scaling Hydra, Leios, Starstream and Leios add together to increase throughput for different applications without decreasing centralisation ( unlike Solana's Alpenglow) Number one for on-chain governance as well. Upcoming Midnight partner chain will bring selective privacy for enterprise businesses at a regulatory level. All that's missing is a major stable coin, hopefully RLUSD. ( Circle don't like UTxO, only the simple account based models...😏
Post is by: Animalverse and the url/text [ ](https://goo.gl/GP6ppk)is: https://animalverse.social/members/0x1d7a9641dcccfe07c722bede8b3c2221cc19d4ca/activity/23810/ Holders of BlackRock’s BUIDL and VanEck’s VBILL onchain funds will be able to exchange their tokenized shares for the Ripple USD (RLUSD) stablecoin, following the deployment of new off ramps by Securitized. “With this smart contract, BUIDL and VBILL holders can instantly exchange their shares for RLUSD 24/7, unlocking additional stable, on-chain transfers. Investors gain continuous exposure to RLUSD while preserving exposure to on-chain yield and a broader range of DeFi strategies,” Ripple wrote in a release on Tuesday. The move comes as Securitize looks to expand the functionality of the XRP Ledger (XRPL), according to the announcement. This marks the first integration of RLUSD into Securitize’s offerings, with “additional use cases and assets planned.” *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*
88% of RLUSD is on Etherium and doesn't use XRP at all
tldr; DBS has partnered with Franklin Templeton and Ripple to launch tokenised fund trading solutions using blockchain technology. DBS Digital Exchange (DDEx) will list Franklin Templeton's sgBENJI token, a tokenised money market fund, alongside Ripple's USD stablecoin (RLUSD). Eligible DBS clients can trade RLUSD for sgBENJI tokens, allowing 24/7 portfolio rebalancing. Franklin Templeton will tokenize sgBENJI on the XRP Ledger, leveraging its enterprise-grade blockchain capabilities. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
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.