Ripple shared on July 11 that Ripple USD (RLUSD) is reshaping global remittances by offering faster, cheaper, and more accessible cross-border payments compared to traditional channels. The company explained that RLUSD, its U.S. dollar-pegged stablecoin built on the XRP Ledger, provides real-time settlement and transparency without relying on legacy financial infrastructure.

By minimizing delays and reducing fees—common issues in the traditional remittance market that totaled $685 billion in 2024—RLUSD offers recipients faster access to funds, even in regions with limited banking access. Ripple noted the stablecoin’s long-term role within the evolving financial system:

Expect to see tighter integration with existing financial infrastructure, with stablecoins acting as a bridge between traditional fiat systems and blockchain-based value exchange.

RLUSD’s design supports use in both personal and institutional transactions. In emerging markets, users can receive the stablecoin via digital wallets and convert it easily into local currency, bypassing banks entirely.

Ripple also highlighted a $25 million philanthropic initiative using RLUSD to deliver aid to education nonprofits. The company stated:

By leveraging blockchain-based stablecoin payments, Ripple is helping those organizations disburse funds in real time, directly to recipients, while cutting down on administrative friction—a model that could easily scale across other aid or payroll use cases in the future.

These applications reflect a growing market trend, as stablecoin volumes reached $27.6 trillion in 2024, exceeding the combined transaction volumes of Visa and Mastercard. Even as adoption accelerates, Ripple acknowledged the need for regulatory clarity, strong fiat on- and off-ramps, and wallet designs that support users of all backgrounds. RLUSD is structured to meet those demands, offering a secure, compliant digital dollar that aims to make global remittances more efficient, inclusive, and scalable.

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