XRP News Today: Institutional Adoption Fuels RLUSD's $900M Surge on XRP Ledger

According to a Cryptopotato report, Ripple's RLUSD stablecoin is on the verge of reaching a $900 million market capitalization, having surged from $400 million in August 2025. Launched less than a year ago, RLUSD is pegged 1:1 to the U.S. dollar and backed by a reserve of deposits, short-term U.S. Treasuries, and cash equivalents. The stablecoin's rapid growth underscores growing institutional confidence in the XRP Ledger (XRPL) as a compliant, high-performance blockchain for financial services.

Institutional adoption has been a key driver, as detailed in a Coinpedia report. Global firms, including Japan's SBI Holdings—which holds over $10 billion in XRP—and U.S. companies like Trident Digital Tech Holdings and Webus International, have collectively added $11 billion in XRP to their reserves. This trend has spilled into the stablecoin space, with RLUSD becoming the largest stablecoin on the XRPL. Its market cap hit $789 million by the end of Q3 2025, a 34.7% increase from the previous quarter, as Ripple's network solidifies its role in cross-border payments and institutional finance.

RLUSD's utility is expanding beyond traditional finance, according to a Cryptopotato report. In September, Nigerian EV subsidiary Tembo e-LV began accepting RLUSD for payments, citing its ability to streamline international transactions. Similarly, Brale, a platform for USD-backed stablecoins, integrated the XRP Ledger to enable RLUSD settlements. Ripple also completed a $1.25 billion acquisition of Hidden Road, a prime brokerage firm whose clients now use RLUSD as collateral. These moves highlight the stablecoin's appeal for its stability and low-cost, near-instant settlements.

The XRP Ledger's regulatory-ready features further bolster its institutional adoption. Tools like Clawback and Deep Freeze allow issuers to comply with regulator orders by recovering or restricting assets. This compliance infrastructure has attracted new stablecoins, including Circle's USDC and StraitsX's XSGD, to the XRPL. As of Q3 2025, the ledger hosts over $364 million in tokenized real-world assets, including Treasury bills and real estate, signaling a broader shift toward blockchain-based financial infrastructure, as noted in the Coinpedia report.

Analysts argue RLUSD complements rather than competes with XRP. Alexis Sirkia, Captain of the Yellow Network, described RLUSD as a "liquidity amplifier" that supports XRP's role as a bridge asset. By facilitating instant, low-cost transactions, RLUSD enhances the XRPL's utility for institutions, potentially driving demand for XRP. Sirkia noted that the stablecoin's integration with African platforms like Chipper Cash and its use in tokenized money market funds could accelerate adoption in both DeFi and traditional finance, a trend highlighted by Cryptopotato.

With RLUSD set to launch in Japan in 2026 and expand across African fintech platforms, Ripple's ecosystem is positioning itself as a global payments infrastructure. The XRP Ledger's tokenized asset market, which grew 215% in Q3 2025, now hosts offerings from firms like OpenEden and Archax. As institutional trust in blockchain-based solutions deepens, RLUSD's trajectory reflects a broader shift toward decentralized, yet regulated, financial systems, as reported by Coinpedia.