XRP News Today: Ripple’s XRP Ledger RLUSD Surpasses USDC in Transaction Efficiency, Compliance for Institutions

Ripple’s XRP Ledger (XRPL) solution, leveraging the stablecoin RLUSD, has emerged as a compelling alternative to USDC, according to an analysis by crypto researcher SMQKE. The post outlines four technical and institutional advantages that position RLUSD as a more robust option for cross-border payments and institutional applications. These distinctions highlight Ripple’s vertically integrated infrastructure and regulatory alignment, contrasting with USDC’s reliance on third-party blockchains.

The first key differentiator lies in architectural integration. While USDC operates across multiple external blockchains—including Ethereum and the recently launched XRPL—RLUSD is natively built on the XRP Ledger. This design eliminates dependency on third-party infrastructures, as Ripple controls both the ledger and the stablecoin. By consolidating these components, institutions benefit from streamlined operations, reducing the need for external partnerships to facilitate value transfers [1].

Transaction efficiency further strengthens RLUSD’s position. Comparative studies cited in the analysis reveal that the XRP Ledger processes transactions in three to five seconds at a cost of less than a fraction of a cent. This performance surpasses Ethereum-based USDC transactions, which often incur higher and variable fees. The XRPL’s deflationary tokenomics and interoperability features also enhance its utility in multi-chain environments, addressing critical inefficiencies in institutional financial infrastructure [1].

Regulatory oversight and reserve composition add another layer of differentiation. A report from Anchorage Digital, referenced in the analysis, evaluates RLUSD alongside high-compliance assets like PYUSD and USDP, noting its alignment with institutional risk management standards. In contrast, USDC and similar tokens face structural risks due to insufficient buffers against market volatility. This institutional-grade compliance positions RLUSD as a more secure option for enterprises navigating evolving regulatory landscapes [1].

Circle’s recent launch of USDC on the XRPL inadvertently reinforces the ledger’s technical advantages. While Circle expanded USDC’s availability to the XRPL, Ripple’s end-to-end solution—where RLUSD operates independently without third-party dependencies—demonstrates a more streamlined approach. This move by Circle highlights the XRPL’s growing adoption but also underscores the inherent benefits of a unified blockchain and stablecoin ecosystem [1].

The analysis concludes that these factors—vertical integration, cost efficiency, regulatory alignment, and multi-chain interoperability—collectively position RLUSD as a stronger contender for institutional and enterprise applications. By addressing persistent misconceptions about stablecoins versus native assets, Ripple’s approach challenges the dominance of third-party solutions like USDC. As cross-border payment demand grows, the XRP Ledger’s infrastructure may increasingly attract institutional users seeking reliability and compliance.

Source: [1] [Four Reasons Why XRP Ledger Solution Using RLUSD Is Superior to USDC] [https://timestabloid.com/four-reasons-why-xrp-ledger-solution-using-rlusd-is-superior-to-usdc/]