Ripple’s RLUSD Smashes $1 Billion Market Cap, Joins Top 10 Stablecoins

The fastest-growing stablecoin of 2025 marks a 1,278% YTD surge, showing Ripple’s push beyond enterprise into retail adoption

Ripple’s U.S. dollar-backed stablecoin, RLUSD, has officially crossed the $1 billion market cap, making it one of the top 10 stablecoins in the world, a remarkable milestone achieved in less than a year.

That’s a 1,278% year-to-date growth, and Ripple barely broke a sweat.

In a statement on X (formerly Twitter), Ripple called the achievement a clear signal of strong demand for institutional-grade stablecoins. The company’s focus on compliance, transparency, and scalability appears to be paying off.

“RLUSD is built for real-world finance, transparent, compliant, and designed to move money faster,” the post read.

In one short year, RLUSD has gone from launch to $1B+ market cap, proving that Ripple’s entry into the stablecoin race wasn’t just another crypto experiment, it was a statement.

The asset is 1:1 USD-backed, fully transparent, and purpose-built for institutions and payment networks seeking regulatory clarity.

According to CoinMarketCap, RLUSD currently trades at $1.00, with a circulating supply just above 1 billion tokens, ranking 7 among global stablecoins by market cap.

Ripple describes RLUSD as “the 1 trusted and transparent stablecoin for institutions.” And the data backs it up.

Ripple’s approach is evolving. For years, the company focused on enterprise blockchain payments and cross-border banking rails through XRP. But with RLUSD, Ripple is expanding directly into retail and institutional settlement.

This marks a shift from being a blockchain infrastructure provider to becoming a global liquidity bridge.

The recent integration of Ripple Prime, GTreasury, and Rail into the RLUSD ecosystem reinforces that move. Together, they’re building a compliant onchain settlement network, enabling faster and more efficient transactions worldwide.

“With Ripple Prime, GTreasury, and Rail joining the effort, RLUSD and XRP are now powering a faster, more transparent future for global payments,” Ripple stated.

What sets RLUSD apart in a crowded $10 trillion stablecoin market is Ripple’s regulatory positioning.

While competitors like USDT and USDC still face questions over reserves and transparency, Ripple has built RLUSD under strict U.S. oversight, using audited, USD-backed reserves and a real-time attestation framework.

This makes RLUSD one of the few stablecoins that large institutions can actually hold without compliance friction, a key factor behind its explosive adoption rate.

Across the broader market, stablecoins now process more than $10 trillion annually in onchain transactions, covering everything from payments to remittances to institutional settlements.

RLUSD’s rapid climb shows that demand is shifting toward trusted, transparent stable assets that meet institutional standards.

Ripple isn’t betting on RLUSD alone. The stablecoin is designed to complement XRP, Ripple’s native digital asset, which continues to play a core role in onchain liquidity and settlement.

Together, RLUSD and XRP form Ripple’s dual-engine model:

•  RLUSD for stability and compliance,
•  XRP for speed and liquidity.

According to CoinMarketCap, XRP trades at $2.2, with a market cap of $133 billion, evidence that investor confidence in the Ripple ecosystem remains strong.

This alignment between RLUSD’s stable growth and XRP’s continued liquidity dominance could shape Ripple’s next chapter in global finance.

Ripple’s expansion strategy has also been global from day one.

Through partnerships across Dubai and Asia, RLUSD is positioning itself as a cross-border settlement layer, integrating into global trade flows and financial systems that demand speed and stability.

By leveraging its existing banking and fintech relationships, Ripple is building a payment bridge that combines the security of fiat with the efficiency of crypto.

As traditional finance moves closer to blockchain rails, Ripple’s hybrid model is quickly becoming a blueprint for the next wave of institutional adoption.

The crypto market has responded positively to RLUSD’s breakout. Analysts note that Ripple’s methodical rollout, prioritizing compliance over hype, helped the stablecoin avoid the volatility often seen with new entrants.

Unlike algorithmic models that rely on code-based collateral, RLUSD’s 1:1 cash reserve backing makes it immune to depegging fears.

On-chain data shows that major wallets linked to payment processors, OTC desks, and fintech platforms are already accumulating RLUSD, a sign of growing utility beyond trading.

With $1 billion secured, Ripple’s next challenge is scale. The company plans to deepen integration with institutional finance and expand RLUSD availability across more exchanges and payment networks.

The goal: make RLUSD a core settlement asset not just within crypto, but in the broader digital payments infrastructure.

If Ripple executes that play, RLUSD could easily double its market cap again before 2026, turning today’s milestone into tomorrow’s foundation.

CoinMarketCap Data Snapshot

•  RLUSD (Ripple USD) – $1.00 | Market Cap: $1.02B 
•  XRP (Ripple) – $2.2 | Market Cap: $133B

(Data sourced from CoinMarketCap at the time of writing.)

Disclosure: This is not trading or investment advice. Always do your research before buying any cryptocurrency or investing in any services.

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