XRP News Today: Ripple’s RLUSD Outperforms USDC with 3–5 Second Transactions at

Ripple’s XRP Ledger (XRPL) and its stablecoin RLUSD have gained attention as a superior alternative to USDC, according to an analysis by crypto researcher SMQKE. The post outlines four distinct advantages of the XRPL solution, emphasizing its technical, institutional, and cost efficiencies compared to Circle’s USDC. These insights highlight Ripple’s strategic positioning in cross-border payments and stablecoin markets, challenging conventional perceptions of stablecoin infrastructure [1].

The first distinction lies in the integration of blockchain infrastructure and stablecoin issuance. Unlike USDC, which operates across multiple third-party blockchains—including its recent deployment on the XRP Ledger—RLUSD is a native solution. Ripple controls both the distributed ledger technology (XRPL) and the stablecoin, creating a vertically integrated system. This design eliminates the need for external partnerships to facilitate transactions, offering institutions a streamlined process for value transfer [1]. By contrast, USDC’s reliance on external infrastructures introduces dependencies that could complicate scalability and regulatory compliance [1].

Transaction efficiency further strengthens XRPL’s case. A comparative study cited in the analysis revealed that the XRP Ledger processes transactions in 3–5 seconds at a cost of less than a cent. In contrast, Ethereum-based USDC transactions face higher fees and variable costs, often exacerbated by network congestion. The XRPL’s deflationary tokenomics and interoperability features also enhance its utility in multi-chain environments, positioning it as a robust backbone for institutional financial infrastructure [1]. This efficiency aligns with growing demand for cost-effective cross-border payment solutions, particularly in markets where speed and predictability are critical.

Institutional credibility is another critical factor. A report from Anchorage Digital evaluated stablecoins based on regulatory oversight and reserve composition, placing RLUSD alongside compliant assets like PYUSD and USDP. The analysis noted RLUSD’s alignment with institutional risk management standards, contrasting it with USDC’s structural vulnerabilities, such as insufficient buffers against market volatility [1]. This institutional validation could attract enterprises seeking stablecoins with robust compliance frameworks, reinforcing RLUSD’s appeal in regulated environments.

Circle’s decision to launch USDC natively on the XRP Ledger further validates the ledger’s technical strengths. While Circle leverages XRPL for its stablecoin, Ripple itself has developed RLUSD without relying on third-party entities. SMQKE argues this move demonstrates recognition of XRPL’s capabilities, as Circle’s adoption of the ledger highlights its scalability and efficiency [1]. By offering a self-contained solution, Ripple reduces reliance on external infrastructure, a key differentiator in a competitive stablecoin landscape.

The analysis concludes that Ripple’s end-to-end approach—combining ledger technology, stablecoin issuance, and institutional alignment—positions RLUSD as a superior alternative to USDC. These advantages could accelerate adoption among enterprises and financial institutions prioritizing cost, compliance, and technical performance. As stablecoin markets evolve, the integration of blockchain infrastructure and native assets may redefine cross-border payment standards, with XRPL and RLUSD emerging as pivotal players [1].

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/]