Ripple President Monica Long has outlined a bold vision for the company’s U.S. dollar-pegged stablecoin, Ripple USD (RLUSD), positioning it as a cornerstone for the future of global finance.
Speaking at the Dubai FinTech Summit 2025, Long said RLUSD “reduces the volatility aspect of using native cryptocurrencies for transacting” while retaining the core benefits of blockchain—a 24/7 global payment rail with near-zero transaction costs.
Her remarks, amplified by Crypto Eri ~ Carpe Diem on X, offered a candid look at why Ripple launched RLUSD, the liquidity challenges facing the industry, and how the company plans to scale stablecoin-powered payments to trillions in annual volume through innovation, partnerships, and strategic acquisitions.
Monica Long | Benefits of Ripple $ Stablecoin
1. Reduces volatility of native crypto for transacting
2. Uses a global blockchain rail 24×7
4. Nearly free
👉Expect @Ripple to keep innovating for #XRPL.
👉Next challenge: Create breadth and depth of liquidity in key currency pairs. pic.twitter.com/7H2UlivUBH— 🌸Crypto Eri ~ Carpe Diem (@sentosumosaba) August 12, 2025
Reducing Volatility and Enhancing Global Transactions
Long explained that RLUSD was built to bring greater stability to payments without sacrificing blockchain’s speed and accessibility. “You still get the benefits of a global rail, which is what blockchain is… It’s 24 by 7. It’s near free to move money across it, depending on which blockchain you’re using,” she said.
This approach allows businesses and institutions to transact internationally without the uncertainty that comes with price swings in native cryptocurrencies.
Why Ripple Entered the Stablecoin Market
Ripple’s entry into the stablecoin space was a strategic move. “We saw two things,” Long said. “One… the reality that the stablecoin market is big and it’s getting bigger… from a few hundred billion dollars today to growing three or four trillion, depending on what forecast you look at… The world is embracing use cases for stablecoins beyond just speculative crypto asset trading.”
The second driver was operational necessity. “Stablecoins have been essential to our payments business… we’ve been using stablecoins for a while now. The more ownership we can take of our product suite, the better.”
Tackling the Liquidity Challenge
Long acknowledged that liquidity remains one of the biggest barriers to widespread stablecoin adoption. “Think about FX markets—in 2024, those did upwards of 200 trillion dollars in volumes. But stablecoin volumes… were like 25 trillion dollars, mostly through speculative trading.
The next challenge that we have as an industry is to now create breadth and depth of liquidity for stablecoins across key currency pairs like AED,” she said.
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Ripple’s Competitive Edge: In-House Innovation
Ripple’s strength, Long noted, lies in combining blockchain development with commercial product delivery. “We also staff a team of core ledger developers who are always continuously working on and innovating with the ledger… From the beginning… it was always kind of built for payments.”
RLUSD’s Launch and Institutional Trust
Launched in late 2024, RLUSD is fully backed by U.S. dollar deposits, short-term U.S. government bonds, and cash equivalents. It is available on XRPL and Ethereum, with broader network integration planned.
To bolster confidence, Ripple appointed BNY Mellon as its primary reserve custodian, ensuring institutional-grade transparency, security, and compliance.
Strategic Expansion Through Acquisitions
Ripple is set to acquire Rail, a Toronto-based stablecoin payments platform responsible for about 10% of global stablecoin transaction volume. The $200 million deal, expected to close in Q4 2025, will bring Rail’s virtual accounts and automated back-office capabilities into Ripple’s network, significantly expanding its payments reach.
Building the Future of Stablecoin Payments
Monica Long’s Dubai address made Ripple’s strategy clear: leverage RLUSD’s stability and Ripple’s blockchain infrastructure to deliver faster, cheaper, and more reliable payments worldwide. “Having the competencies in-house—between blockchain development as well as the commercial teams building the solutions on top of it—has been beneficial,” she concluded.
With strategic partnerships, deeper liquidity development, and targeted acquisitions, Ripple aims to position RLUSD not just as a stablecoin but as a foundational element in the next era of global finance.
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 urged to do in-depth 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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