XRP News Today: Ripple's RLUSD Gains 30% on Regulatory Backing, Bank of America Eyes Strategic Adoption

Ripple’s RLUSD stablecoin has gained significant momentum, with its market value rising over 30% in recent months and a circulation exceeding $500 million. This growth is attributed to its robust compliance framework and multi-chain compatibility, enabling seamless integration across the XRP ledger and Ethereum. The stablecoin, launched under the supervision of the New York Department of Financial Services, aligns with institutional demand for regulated digital assets. Bank of America, which has collaborated with Ripple since 2019 for cross-border settlements and liquidity management research, is now exploring RLUSD as a potential cornerstone for its digital asset strategy. CEO Brian Moynihan confirmed on July 16, 2025, that the bank is investigating U.S. dollar-backed stablecoins and short-term Treasury securities, though regulatory clarity remains a prerequisite for formal adoption [1].

The GENIUS Act, which established a national regulatory framework for stablecoins in the U.S., has bolstered institutional confidence in RLUSD. Its compliance-first approach resonates with traditional banks seeking to navigate evolving crypto regulations. Ripple’s existing partnerships with firms like American Express and Banco Santander further enhance RLUSD’s institutional credibility. Bank of America’s prioritization of RLUSD over alternatives like Binance’s BUSD or Circle’s USDC underscores its preference for solutions with strong regulatory postures. The bank’s $4 billion surge into the stablecoin market highlights its strategic alignment with RLUSD’s hybrid custodial-algorithmic model, which avoids reliance on commercial bank reserves while meeting transparency standards [2].

RLUSD’s institutional adoption is also supported by recent regulatory approvals, including endorsements from the Dubai Financial Services Authority and the Nigerian Securities and Exchange Commission. These validations reinforce Ripple’s emphasis on compliance, a critical differentiator in a market facing heightened scrutiny. Meanwhile, XRP’s 62% surge in recent months—propelled by over $670 million in institutional XRP reserves—signals growing corporate interest in Ripple’s ecosystem. The company’s pursuit of a U.S. national bank charter underscores its ambition to integrate crypto into traditional finance, with RLUSD serving as a bridge between legacy systems and digital assets [3].

Despite RLUSD’s progress, critics caution against XRP’s centralization and limited adoption in cross-border solutions like Ripple’s On-Demand Liquidity (ODL) service. However, the stablecoin’s institutional traction and XRP’s role in corporate treasuries suggest that Ripple’s strategy is resonating with entities seeking diversified reserves and real-world utility. As the SEC reviews new spot XRP ETF applications, RLUSD’s integration into regulated financial ecosystems could solidify, positioning Ripple as a pivotal player in the evolving stablecoin landscape [2].

Other U.S. banking giants are also expanding their digital asset offerings. JPMorgan is scaling its JPM Coin platform, while Citigroup is developing token-based financial products. These moves reflect a broader industry shift toward stablecoin adoption, driven by the need for efficient cross-border payments and treasury management solutions [1].

Source:

[1] [Ripple's RLUSD Tipped as Top Contender Amid Bank of America's Stablecoin Push](https://coingape.com/ripple-rlusd-tipped-as-top-contender-amid-bank-of-americas-stablecoin-push/)

[2] [Bank of America Enters Stablecoin Market Amid $4B Surge](https://www.ainvest.com/news/bank-america-enters-stablecoin-market-4b-surge-post-genius-act-2507/)

[3] [XRP Surges to New Highs as Ripple’s Institutional-Focused Narrative Gains Traction](https://www.marketscreener.com/news/xrp-surges-to-new-highs-as-ripple-s-institutional-focused-narrative-gains-traction-ce7c5cd3d08df121)

[4] [Ripple's RLUSD Gains Regulatory Approval](https://www.kulipa.xyz/blog)

[5] [Ripple's RLUSD Tipped as Top Contender Amid Bank of America's Stablecoin Push](https://moneycheck.com/ripples-rlusd-tipped-as-top-contender-amid-bank-of-americas-stablecoin-push/)