Ripple Senior Executive Officer and Managing Director for the Middle East and Africa Reece Merrick shared on social media platform X on Nov. 28 that stablecoins have moved far beyond their early role as a basic entry method for crypto buyers, noting that Ripple is experiencing accelerating global demand tied to rising digital payment activity.
The executive detailed:
Stablecoins were born as a simple on-ramp to buy crypto. Fast forward to 2025 → whilst a large portion is still used for this purpose, stablecoins are also being used for actual payments and we’re seeing this huge demand at Ripple.
“Cross-border remittances, payroll in emerging markets, B2B settlements, merchants accepting stablecoins, and this is just the beginning,” he described the scale of adoption through multiple use cases. “This is the internet’s new payment layer, growing 150% CAGR while legacy rails stagnate.”
Merrick also stated:
Ripple and RLUSD are perfectly positioned.
He highlighted the regulatory foundation behind the firm’s dollar-linked asset: “RLUSD is issued under a New York Department of Financial Services (NYDFS) Limited Purpose Trust Company Charter. This is widely regarded as one of the most rigorous and respected regulatory standards in the global financial sector, mandating strict operational and compliance safeguards.” The Ripple executive concluded: “Transparency is key! Trust is key! As we move to a more regulated world with adoption skyrocketing, this will be key.”
Read more: Ripple’s RLUSD Secures Major Regulatory Win as Fiat-Referenced Token in Abu Dhabi
Merrick pointed to on-chain settlement trends to illustrate the shift, citing five years of rapid expansion in transfer volume. He referenced industry data showing that annual stablecoin transfers grew from roughly $0.5 trillion in 2020 to $2.5 trillion in 2021, $5 trillion in 2022, $10 trillion in 2023, and $27.6 trillion in 2024, with 2025 activity on pace to reach about $46 trillion. He noted that this total represents more digital value settled than Visa and Mastercard processed together last year.
Analysts say this performance reflects a structural transition toward blockchain-enabled settlement, supported by institutional adoption, faster processing speeds, and cost efficiency. Pro-crypto voices argue that such momentum strengthens the case for broader stablecoin use, particularly in emerging markets seeking reliable, low-friction payments infrastructure.
- What stablecoin trend did Ripple highlight?
Ripple noted accelerating global demand as stablecoins expand from on-ramps to major payment tools. - Why did Merrick emphasize RLUSD?
He cited its NYDFS regulatory charter as a key trust and compliance advantage. - How fast are stablecoin transfers growing?
Industry data shows transfers rising from $0.5 trillion in 2020 toward an expected $46 trillion in 2025. - What markets are driving stablecoin adoption?
Emerging markets are using them for remittances, payroll, and low-friction settlement.
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