XRP News Today: Ripple's RLUSD Outperforms USDC with Integrated Infrastructure and Lower Costs

Crypto researcher SMQKE’s analysis has spotlighted the technical and institutional strengths of Ripple’s RLUSD stablecoin on the XRP Ledger (XRPL) compared to Circle’s USDC, challenging prevalent misconceptions in the digital asset space. The post, supported by multiple documents, identifies four key advantages of the XRP Ledger solution, emphasizing its integrated infrastructure, cost efficiency, and regulatory alignment [1].

The first distinction lies in the XRP Ledger’s unified blockchain and stablecoin framework. While USDC operates across multiple chains, including Ethereum, its issuer, Circle, does not control the underlying blockchain technology. In contrast, RLUSD is issued directly on the XRPL, which Ripple manages end-to-end. This vertical integration eliminates reliance on third-party infrastructure, enabling institutions to execute cross-border payments without external partners. SMQKE notes that this design simplifies transaction workflows and reduces operational complexity for enterprises [1].

Transaction efficiency further strengthens the XRP Ledger’s appeal. A comparative study referenced in the analysis highlights that XRPL processes transactions in 3–5 seconds at a cost of less than a fraction of a cent, while Ethereum-based USDC transactions face higher and more variable fees. The XRP Ledger’s deflationary tokenomics and inherent interoperability also enhance its utility in multi-chain environments, aligning with institutional demands for scalable and cost-effective solutions [1].

Institutional credibility is another critical factor. A report from Anchorage Digital evaluated RLUSD alongside high-compliance stablecoins like PYUSD and USDP, noting its robust reserve mechanisms and regulatory alignment. USDC and similar tokens, however, were flagged for structural risks tied to insufficient buffers against market volatility. This distinction positions RLUSD as a more secure option for institutions prioritizing compliance and risk mitigation [1].

Circle’s recent decision to natively support USDC on the XRPL inadvertently underscores the XRP Ledger’s technical strengths. While Circle leverages XRPL’s infrastructure for USDC, Ripple’s RLUSD operates independently, bypassing third-party integrations. This move by Circle reflects recognition of the XRPL’s scalability and efficiency, yet Ripple’s native solution remains uniquely self-sufficient. SMQKE argues that this dynamic highlights the XRP Ledger’s broader appeal for institutional adoption [1].

The analysis concludes that Ripple’s end-to-end solution—combining low-cost infrastructure, regulatory readiness, and institutional support—outperforms USDC’s fragmented approach. By addressing key pain points in cross-border payments, RLUSD emerges as a compelling alternative for enterprises seeking cost-effective, compliant solutions [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/]