Pundit Says If You Hold XRP, Watch This

Compliance is becoming the new competitive advantage in the stablecoin market. Capital is moving, rankings are changing, and the regulatory environment in the U.S. is accelerating the pace of that consolidation.

X Finance Bull (@Xfinancebull) made that case in a new tweet, noting RLUSD and XRP as two assets built for this moment.

Regulation Is Reshaping the Market

The GENIUS Act, signed into law in July 2025, created the first federal regulatory framework for payment stablecoins in the U.S. Its effects are already visible in the data.

The video X Finance Bull shared reveals that USDT dominance dropped from 71% to under 60% last year. In that same period, USDC climbed to nearly 25% market share, with usage on North American exchanges surging to almost 46%.

Capital is now consolidating into trusted, regulated stablecoins. That consolidation is visible in the market cap rankings. Regulated, transparent stablecoins are gaining ground on offshore alternatives that operate outside U.S. compliance frameworks.

RLUSD Climbs the Rankings

Ripple’s RLUSD launched in December 2024. In roughly 16 months, it has grown to a market cap of approximately $1.6 billion, now ranking 8th among all stablecoins globally. That growth reflects both the strength of Ripple’s institutional partnerships and the rising demand for compliant dollar-pegged assets.

RLUSD operates under New York Department of Financial Services (NYDFS) supervision. Each token is backed 1:1 by U.S. dollars or cash equivalents. Those credentials matter to institutions that require counterparty reliability. Partners including BlackRock, Deutsche Bank, and LMAX have already integrated RLUSD into their operations.

BlackRock uses it as a redemption mechanism for its BUIDL tokenized fund. LMAX Group adopted it as a core collateral asset for banks, brokers, and buy-side institutions. These are not retail partnerships. They are structural integrations into existing financial infrastructure.

XRP’s Role in the Infrastructure

RLUSD’s growth does not exist in isolation from XRP. The two assets operate within the same ecosystem and complement each other.

Ripple’s cross-border payment rails rely on the XRP Ledger as a settlement layer. As institutional adoption of RLUSD grows on XRPL, it deepens liquidity on the ledger and generates transaction fees paid in XRP.

According to X Finance Bull, XRP and RLUSD are built for institutional money. That institutional ecosystem includes Ripple Prime, GTreasury, and Rail, which Ripple has positioned as a connected suite for compliant cross-border settlement, and the  institutional capital flowing into the ecosystem reflects that alignment.

Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.

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