@hanqianqiu

Ripple's RLUSD, a fully reserved USD stablecoin on XRPL and Ethereum, excels in cross-border liquidity potential. It enables instant, low-cost remittances via deep on-demand liquidity pools, with XRP bridging fiat pairs and RLUSD settling in USD—driving institutional adoption (market cap ~$1.3B in 2025). Regulatory gray areas have diminished post-2025 CLARITY/Genius Acts, mandating high-quality reserves, monthly audits, and bank-grade oversight—positioning RLUSD as compliant and low-risk. Pairing strategy: RLUSD/XRP liquidity pools on XRPL AMM for efficient bridging; RLUSD/fiat ramps for on/off-ramps. Policy framework: Assess reserve transparency, regulatory approvals (e.g., OCC), jurisdictional alignment, and systemic deposit risk under new U.S. stablecoin rules.

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