XRP News Today: Ripple CTO Affirms XRP's Dominance in Cross-Border Payments Over Stablecoins

Ripple’s Chief Technology Officer, David Schwartz, has once again emphasized the central role of XRP within the company’s global payment infrastructure. In a recent post on X, Schwartz noted, “I don’t have the numbers in front of me, but I’m pretty sure XRP’s use as a bridge in Ripple Payments dwarfs every other asset” [1]. His statement highlights XRP’s dominance in cross-border transactions facilitated by Ripple’s on-demand liquidity (ODL) product, which leverages the token to enable near-instant settlements without the need for pre-funded accounts. The system supports up to 1,500 transactions per second and offers significant cost and time efficiencies, making it a preferred solution for real-time value transfers across currencies.

XRP’s native integration into the XRP Ledger (XRPL) provides unique advantages, including automatic pathfinding between currencies and seamless asset bridging, a feature that few digital assets can match [1]. This deep integration ensures XRP remains embedded in every transaction and exchange pair on the ledger, reinforcing its essential role in Ripple’s ecosystem. Unlike other blockchain networks, where native tokens can be bypassed, XRP is integral to XRPL’s operation.

While Schwartz affirmed XRP’s leading position in bridging value, he also acknowledged that stablecoins like USDC and USDT have a distinct advantage in specific use cases. According to industry reports, stablecoin payment volumes exceeded $1.3 trillion in 2024, largely due to their utility in collateral and edge transactions [1]. Their price stability makes them ideal for lending, remittances, and institutional treasury operations, where volatility is a key concern. For users seeking minimal risk and regulatory clarity, stablecoins remain the go-to option.

Schwartz further noted that for investors who are not highly risk-averse, top-tier digital assets like XRP are more appealing than stablecoins due to their broader functionality and potential for long-term value appreciation. While stablecoins offer short-term predictability, XRP’s utility in real-world applications—such as cross-border payments—provides a more diverse and potentially lucrative value proposition.

The CTO concluded that the increasing adoption of the XRP Ledger directly enhances the utility and value of XRP. As the native asset, XRP plays a fundamental role in the ledger’s operations. Although most institutional transactions using Ripple’s services are still conducted off-chain to meet compliance requirements, efforts are underway to integrate permissioned liquidity and regulatory frameworks that could boost on-chain activity in the future.

David Schwartz’s comments reaffirm XRP’s foundational role in Ripple’s payment solutions. While stablecoins dominate in specific functions due to their stability, XRP’s deep integration into Ripple’s infrastructure gives it a unique and irreplaceable position. As the XRP Ledger continues to gain traction, the long-term utility and value of XRP are expected to grow accordingly.

Source:

[1] Ripple CTO Drops Bombshell on XRP’s Usage in Ripple Payments (https://timestabloid.com/ripple-cto-drops-bombshell-on-xrps-usage-in-ripple-payments/)

[2] XRP News Today: Ripple XRP Price Could Surge to $20– ... (https://www.ainvest.com/news/xrp-news-today-ripple-xrp-price-surge-20-33-dominates-remittance-markets-africa-asia-2507/)