Google is preparing to enter the blockchain world with a project that could directly compete with Ripple. Google Cloud Universal Ledger (GCUL) is still in the testing phase, but the projected release in 2026 has led many to associate it with Ripple's XRP Ledger. According to TheCryptoBasic, some analysts see GCUL as a potential competitor to the XRP Ledger.

Ripple has built its reputation based on payment, remittance, and cryptocurrency sectors. Ripple's native token, XRP, plays a crucial role in facilitating fast and low-cost cross-border transfers. GCUL also aims for a similar goal. This platform is designed for banks, payment service providers, and large organizations looking to achieve faster payments and integrated regulatory compliance.

A report from Protos indicates that the features of GCUL overlap with Ripple's strategy. Fast global transfers, programmable cryptography, and transparent costs are very similar to what Ripple has promoted through XRPL for many years. This overlap is why some believe Google will step directly into Ripple's market.

The Differences in Google's Approach

Ripple's XRPL has its own working framework, while Google has chosen a different path. GCUL uses Python for smart contracts. Most blockchains rely on languages like Solidity or Rust, but Python has become popular in the fields of finance and data science. This makes it easier for banks and businesses to build applications.

GCUL also changes the way fees operate. Ripple uses a typical blockchain model, where costs vary based on demand. In contrast, GCUL intends to have a stable monthly bill, allowing organizations to predict costs. Another distinguishing point is neutrality. GCUL is not bound by any bank or competitor, which could facilitate easier adoption.

One detail has attracted particular attention. The Chicago Mercantile Exchange (CME Group), one of the largest derivatives markets in the world, is testing GCUL for cryptocurrency and wholesale payment purposes. Protos notes that CME has not yet implemented such projects on Ripple's XRPL. This initial partnership shows that large organizations are willing to explore Google's services.

For Ripple, this is very important. XRP has long marketed itself as a bridge for infrastructure payments. The fact that a company like CME is testing GCUL has added pressure to Ripple's narrative.

The Scale of Alphabet Compared to Ripple's Achievements

Alphabet, Google's parent company, is valued at over $2.5 trillion. Ripple cannot match that scale. GCUL will also connect with Google Cloud tools such as BigQuery and Vertex AI, providing real-time data, fraud monitoring, and compliance support. For organizations, this combination is very powerful.

Ripple still possesses something that Google does not: years of proven operation. XRP has been used by banks, money transfer companies, and payment service providers. GCUL is still in the testing phase and will not launch until 2026. This allows Ripple to maintain its position while Google continues to develop.

What Could This Mean for the Price of Ripple and XRP

Currently, the price of XRP is being more affected by Ripple's acceptance process and ongoing legal disputes rather than competition from Google. When GCUL launches, financial institutions will have an additional option. This could change the market's perception of Ripple, XRP, and their role in the payment sector.

Ripple has led the blockchain payment trend for many years. Google's GCUL could change the landscape. The crucial question is whether banks will continue to use Ripple's reliable system or switch to Google's scale and technology. As 2026 approaches, the answer may change the competition between XRP and GCUL.

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