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XRP issuer Ripple sees its RLUSD stablecoin grow among retail users

2025-07-25 11:40:28

Main Idea

Ripple's RLUSD stablecoin, initially marketed as enterprise-focused, has gained significant traction among retail users, expanding beyond its original target audience.

Key Points

1. Ripple officially introduced RLUSD in late 2024 with an institutional focus, but it has since seen notable adoption among retail users through platforms like Xaman and Transak.

2. Despite initial claims that RLUSD would be institution-only, its infrastructure supports both institutional and retail accessibility, making it a competitor to stablecoins like USDC.

3. Most RLUSD is issued on the EVM sidechain (88% of its $557.7M market cap), but 91% of its 34,160 users are on the XRPL, indicating a preference for XRPL's speed and efficiency.

4. Ripple executives, including CEO Brad Garlinghouse and CTO David Schwartz, initially emphasized RLUSD's enterprise-grade utility, but its usage has broadened to general-purpose stablecoin applications.

Description

Although some Ripple executives initially suggested that RLUSD might be limited to institutional use before its launch, the stablecoin is gaining notable traction in retail.

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