XRP News Today: XRP Beats RLUSD in Long-Term Utility, Says Ripple CTO—Big Banking Partnerships Underway

XRP is holding its ground in the stablecoin era, as Ripple’s CTO reveals why the token’s long-term value still outweighs rivals like RLUSD in cross-border utility.

In a fresh wave of community Q&A, Ripple’s David Schwartz addressed concerns about XRP’s adoption, clarifying the token’s unique role in institutional payments and why it’s far from being overshadowed by stablecoins. From banking compliance challenges to new permissioned tools, the CTO made it clear: XRP remains at the core of Ripple’s global strategy.

Why On-Chain Volume Doesn’t Tell the Whole Story

While many question why XRP’s ledger activity hasn’t exploded despite major institutional support, Schwartz explained that compliance and regulatory concerns are a primary reason why banks still hesitate to move funds fully on-chain.

Ripple CTO David Schwartz attributes XRP’s low on-chain volume to institutional off-chain usage, while highlighting its volatility benefits and XRPL’s interoperability for global tokenization efforts. Source: @JoelKatz via X

“Institutions want more control over who they’re transacting with,” Schwartz noted, adding that Ripple Labs itself has refrained from fully utilizing XRPL’s decentralized exchange for similar reasons. Tools like permissioned domains are currently being developed to address this.

Importantly, the XRP price has remained resilient, with users continuing to hold and use the coin in bridge currency roles. Schwartz emphasized that price volatility is not necessarily a drawback—especially for liquidity providers or traders who believe in XRP’s long-term value.

XRP vs RLUSD: Different Roles, Same Ecosystem

Despite speculation that the new RLUSD stablecoin might overshadow XRP in Ripple’s network, Schwartz clarified that the two assets serve very different functions.

“RLUSD offers fiat stability, but XRP remains critical for liquidity and bridging across currencies,” he explained. In other words, while RLUSD can facilitate straightforward currency conversions, XRP’s utility shines in complex or less common currency pairings—something particularly useful in global payment corridors lacking stable fiat pairs.

This clarification has significant implications for XRP price predictions in 2025, as it reinforces Ripple’s ongoing reliance on XRP for its core payment infrastructure, even in a future with a stablecoin-rich environment.

Institutional Confidence and the XRP Ledger’s Future

Schwartz also addressed why major firms like BlackRock might adopt the XRP Ledger rather than building proprietary blockchain systems. He pointed to XRPL’s scalability and neutrality as key factors.

Eric Trump suggests that cryptocurrencies like XRP will replace or collaborate with major banks such as JPMorgan, as $196 trillion is poised to enter the XRP Ledger via the REAL Token on August 3rd. Source: @CryptoGeekNews via X

“Circle runs USDC on multiple chains. Why wouldn’t BlackRock use XRPL rather than start from scratch?” he questioned, illustrating how interoperability and trustless architecture continue to attract institutional attention.

This aligns with the latest XRP prediction, which anticipates broader institutional adoption of XRP in tokenized asset markets—especially once regulatory clarity improves.

Compliance Still a Bottleneck—but Not for Long

Even as XRP gears up for potential breakout usage, Schwartz acknowledged that regulatory barriers remain a challenge. Ripple and other firms are cautious about enabling transactions without knowing who’s on the other side—especially in light of global sanctions and anti-money laundering laws.

Solutions such as permissioned domains and region-specific legal entities are being rolled out to alleviate these concerns, potentially accelerating adoption.

Notably, this dovetails with the broader XRP lawsuit update, where Ripple continues to engage with U.S. regulators. A more favorable resolution could trigger significant growth for XRP’s on-chain volume and increase market confidence—factors that play heavily into XRP price prediction after lawsuit scenarios.

Looking Ahead: Will XRP Go Up?

As discussions around XRP vs RLUSD, institutional trust, and ledger scalability continue, one thing is clear: XRP remains integral to Ripple’s global strategy. The growing use of stablecoins will not replace XRP, but rather position it as the connecting tissue in a highly fragmented financial world.

XRP’s sub-wave 4 consolidation holds firm, with a breakout above $3.30 likely paving the way for a bullish move toward $4.64. Source: Thecafetrader on TradingView

For crypto investors watching the XRP price today, these developments offer reassurance. The price of XRP today may not yet reflect the full potential Schwartz described—but the groundwork is being laid for future growth.

As Ripple CTO summed it up, “XRP will outlast many of its challengers—not because it competes with them, but because it complements them.”

With continued innovation and improving regulatory landscapes, the XRP crypto price prediction for 2025 and 2030 remains optimistic, especially as more banks and institutions prepare to plug into Ripple’s ecosystem.