XRP News Today: Ripple’s XRP Ledger with RLUSD Outpaces USDC in Integration and Efficiency Gains

A recent analysis by crypto researcher SMQKE has outlined four key advantages of Ripple’s XRP Ledger (XRPL) and its stablecoin RLUSD over Circle’s USDC, emphasizing technical and institutional distinctions in blockchain infrastructure [1]. The post, supported by multiple documents, challenges common misconceptions about stablecoins and native blockchain assets, highlighting how the XRPL’s integrated solution offers a more robust framework for cross-border payments and institutional finance.

The first distinction centers on integration. Unlike USDC, which operates across external blockchains such as Ethereum and now the XRPL, RLUSD is built directly on Ripple’s proprietary ledger. This vertical integration eliminates reliance on third-party infrastructure, reducing operational complexity and dependency on external networks. While Circle, as USDC’s issuer, does not control the underlying blockchain, Ripple provides both the token and the ledger, enabling seamless cross-border settlements without intermediaries [1]. This design streamlines cost management and aligns with institutional demands for end-to-end control.

Transaction efficiency further differentiates the XRPL from USDC’s Ethereum-based operations. A comparative study referenced by SMQKE notes that the XRPL processes transactions in three to five seconds at a cost of less than a fraction of a cent, whereas Ethereum-based transactions incur higher and more variable fees [1]. The XRPL’s deflationary tokenomics and interoperability features also enhance its utility in multi-chain environments, addressing institutional needs for scalable and cost-effective infrastructure.

Anchorage Digital’s evaluation of stablecoins reinforces RLUSD’s institutional credibility, citing its alignment with regulatory standards and high-quality reserve mechanisms. The report places RLUSD alongside compliant assets like PYUSD and USDP while noting structural risks in USDC due to insufficient buffers against market volatility [1]. This assessment positions RLUSD as a more reliable option for institutions prioritizing compliance and risk mitigation.

The final point centers on Circle’s recent launch of USDC on the XRPL. While this move demonstrates recognition of the ledger’s technical merits, it also underscores Ripple’s unique position. By operating RLUSD independently on its infrastructure, Ripple avoids reliance on third parties like Circle, which must partner with external networks to enable stablecoin functionality [1]. This self-containment further differentiates Ripple’s solution.

SMQKE’s analysis concludes that the technical, cost, and institutional advantages of the XRPL and RLUSD should inform investor and institutional decision-making. By clarifying the distinctions between native blockchain solutions and third-party stablecoins, the post aims to counter narratives that overlook Ripple’s integrated infrastructure [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/]