Ripple Reshaping Its Payment Strategy with RLUSD
While the recent drop in XRP price draws attention, Ripple has made a significant change in its payment strategy. The company announced that it is moving away from the traditional XRP bridge model by promoting a dollar-backed stablecoin called RLUSD.
Mike Belshe, CEO of BitGo, stated at the Digital Banking 2025 Summit that Ripple's former model centered around XRP has now lost its functionality. Belshe emphasized that this old method unnecessarily caused two exchanges in the dollar → XRP → target currency conversion chain. He stated that the new system offers a more direct structure that eliminates the need for this conversion.
Ripple's RLUSD stablecoin, launched last year, is seen as a concrete indication of this strategic shift. As the circulating supply of RLUSD approaches $450 million, it is anticipated that this new approach will both increase efficiency and reduce the use of intermediary tokens. According to Belshe, systems directly linked to the U.S. Central Bank's payment systems will provide real scale and speed in international money transfers.
Belshe noted that stablecoins offer fast and low-cost transfer opportunities, arguing that this new model reduces dependency on banks and may overshadow XRP's bridging role. The rapid adoption of RLUSD clearly shows that Ripple's strategic focus is shifting from XRP to stablecoins. The company now aims to complete transactions with a single conversion. The growing institutional interest also reflects the trust in this new direction.
Reasons for the Decline in XRP Price
While Ripple's RLUSD move remains on the agenda, XRP has declined to $2.18 with a drop of 1.8% in the last 24 hours. This pullback has nearly erased the weekly gains brought by a social media message that broke the silence of one of the company's co-founders.
Although former U.S. President Donald Trump's statements about a ceasefire in the Middle East have created a positive atmosphere in the market, this situation has not established a lasting support for XRP. Analysts believe that the liquidity in the market shifting towards stablecoins has increased the pressure on XRP.
The shift of Ripple's payment system strategy to the RLUSD axis may lead to a contraction in the use of XRP. However, the extent to which the new system, as predicted by Belshe, will be effective will be shaped by the direction of regulations and the speed of institutional adoption.
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