Crypto commentator X Finance Bull recently addressed claims circulating online that XRP has lost its usefulness following the introduction of RLUSD.
The commentary rejected that conclusion, arguing that it reflects a misunderstanding of how assets function within the XRP Ledger. Rather than diminishing XRP’s role, the post asserted that RLUSD strengthens the network in ways that structurally support XRP’s continued use.
The central position presented was that utility on distributed ledgers is demonstrated through transaction flow and network activity, not through surface-level comparisons between assets.
While XRP’s market price has experienced gradual declines, the commentary emphasized that infrastructure development and transactional pathways continue to advance independently of short-term price movement.
They said $XRP is now useless because of RLUSD.
HERE'S THE TRUTH 👇
Former Ripple CTO David Schwartz says RLUSD brings large, credible flows onto the XRP Ledger, and those flows structurally benefit XRP
But here’s what most missed: RLUSD doesn’t replace XRP. IT AMPLIFIES IT!… pic.twitter.com/ofIooflOGO
— X Finance Bull (@Xfinancebull) January 20, 2026
David Schwartz on RLUSD’s Intended Role
To support this position, X Finance Bull referenced remarks from Ripple’s Chief Technology Officer, David Schwartz, included in an attached video.
Schwartz explained that the launch of RLUSD is designed to benefit the XRP Ledger by expanding use cases and increasing opportunities for developers building on the network.
He reiterated that the ledger was designed to support various assets, whether crypto-based or fiat-backed, all of which can be issued and traded directly on its decentralized exchange.
According to Schwartz, introducing reliable assets such as RLUSD onto the DEX increases trading activity across the network. This rise in activity benefits participants at multiple levels, including users, developers, and applications, by improving liquidity and efficiency across markets operating on the ledger.
Auto-Bridging and XRP’s Functional Position
A key technical point highlighted in the commentary was the role of auto-bridging within the XRPL DEX. Schwartz explained that this mechanism automatically considers XRP as an intermediary when determining the most efficient trading route between two assets. As a result, increased trading volume between issued assets can lead to greater XRP usage without requiring traders to select it manually.
The commentary emphasized that this design ensures XRP remains functionally embedded in transaction flows. Stablecoin trades conducted on the ledger can rely on XRP to facilitate settlement, reinforcing its position as a bridge asset. From this perspective, higher stablecoin activity does not bypass XRP. However, it increases opportunities for its use within the system.
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Complementary Assets and Network Expansion
Schwartz also noted that XRP and RLUSD are intended to complement one another due to their differing characteristics. While RLUSD can support additional on-chain activity, XRP serves as the bridge currency for Ripple’s payment-related products.
The ledger’s speed, low transaction costs, and scalability were presented as factors that support growth in areas such as real-world asset tokenization, foreign exchange markets, and trade-focused applications.
X Finance Bull concluded that while XRP’s price performance may not yet reflect these developments, the transactional rails supporting future activity are being established. The commentary suggested that evaluating utility through sustained flow and infrastructure progress offers a clearer assessment of XRP’s position within the XRP Ledger ecosystem.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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