Ondo Finance Bridges Institutional and Retail RWA Markets via XRP Ledger and Stellar

TLDR:

• Ondo Finance deploys OUSG on the XRP Ledger, targeting institutional capital with a $5,000 minimum investment threshold.
• USDY on Stellar offers Treasury-backed yield to users in emerging markets where currency instability remains a persistent challenge.
• Ripple’s institutional stack pairs RLUSD, Hidden Road, and Metaco custody with Ondo’s tokenized Treasury products for enterprise use.
• Ondo Finance bridges the asset and payments sides of finance by supplying Treasury instruments across two structurally distinct networks.

Ondo Finance is expanding its real-world asset tokenization strategy beyond major Web3 chains. The protocol has deployed products on both the XRP Ledger and the Stellar network.

Each integration is designed to serve a distinct financial audience with a specific product offering. OUSG targets institutional capital on the XRP Ledger, while USDY addresses a broader user base on Stellar. This dual structure places Ondo Finance at the center of a growing tokenized Treasury market.

Ondo Finance and Ripple Target Institutional Capital Through Compliant Infrastructure

OUSG is a tokenized representation of short-term U.S. Treasuries. It carries a minimum investment threshold of $5,000. This structure is not built for retail DeFi participation. Instead, it targets institutional capital looking for compliant, dollar-denominated yield.

Web3Alert on X pointed out that Ondo Finance has paired OUSG with RLUSD on the XRP Ledger. RLUSD is widely recognized as one of the most regulated stablecoins available.

Together, OUSG and RLUSD create a pathway for institutional assets to settle across enterprise-grade rails. The XRP Ledger provides near-instant settlement suited to high-value transactions.

Ripple’s broader ecosystem adds further institutional depth to this arrangement. Metaco and Standard Custody serve as institutional custody solutions within the stack.

Hidden Road brings prime brokerage capability, while GTreasury integrations support treasury operations. These tools allow tokenized collateral to work across real-world financial workflows.

Ondo Finance functions as the asset origination layer within this framework. It provides the Treasury instruments that the XRP Ledger infrastructure settles and manages.

The combined model targets banks, asset managers, and corporate treasury teams. Regulated assets on regulated rails form the backbone of this institutional design.

Stellar Integration Extends Yield-Bearing Access to Emerging Markets

USDY is structurally different from OUSG in one important way. It accrues Treasury-backed returns while also functioning as a stable payment asset.

This makes USDY accessible to a much wider audience than institutional-grade products. Stellar’s network, built around financial inclusion and remittance corridors, is a natural fit.

Web3Alert observed that in regions facing currency instability or limited banking access, a 4–5% Treasury-backed yield addresses a real need. It helps individuals preserve the value of their money over time.

Traditional remittance platforms in developing economies do not offer this kind of return. A yield-bearing dollar provides measurably more utility than a static one.

Stellar’s infrastructure has long supported cross-border payments and financial access in underserved communities. USDY on Stellar merges the asset side and the payments side of finance into a single instrument.

Users in emerging markets can hold, send, and earn yield at the same time. This level of functionality has not been widely available through conventional financial services.

Ondo Finance sits between both institutional and retail ecosystems. It supplies the Treasury products that power each of these networks.

Ripple drives institutional RWA settlement infrastructure, while Stellar enables accessible, yield-bearing payments. Rather than competing, the two networks are building distinct verticals within the broader RWA economy.

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