Why RLUSD Could Be One of the Biggest Catalysts for XRP Adoption

Jake Claver recently suggested that Ripple’s stablecoin $RLUSD could become one of the strongest drivers of $XRP adoption.

Claver, who serves as the Chairman of Digital Ascension Group (DAG), insisted that $RLUSD actually benefits $XRP despite concerns that the stablecoin competes with $XRP as a bridge asset.

Key Points

• Jake Claver suggests that the Ripple stablecoin $RLUSD could become one of the biggest catalysts for $XRP adoption.
• He expects thousands of stablecoins and tokenized assets rather than one dominant global stablecoin.
• Multiple stablecoins may lead to fragmentation and create a need for a neutral bridge asset.
• $XRP acts as this neutral bridge asset, posing no counterparty risk with no central issuer.
• $RLUSD is not competing with $XRP but helping institutions enter the $XRP Ledger ecosystem.

$RLUSD and $XRP Working Together, Not Competing

According to Claver, many people misunderstand the purpose behind $RLUSD. Some believe Ripple launched the stablecoin because $XRP was unable to fulfill its role.

However, Claver suggests that the opposite is true. He believes $RLUSD could help expand $XRP’s use by bringing more institutions into blockchain-based financial systems.

To him, the future of finance will depend less on retail investors and more on how banks, governments, payment companies, exchanges, and large businesses use digital dollars and other tokenized assets.

Claver noted that as those organizations enter the space, $XRP may have an important role to play by helping move liquidity between different networks and financial products.

Tokenization Could Change Global Finance

Claver noted that tokenization is one of the biggest financial infrastructure changes. He expects a wide range of assets, including real estate, U.S. Treasuries, stocks, private equity, commodities, insurance products, carbon credits, and debt instruments, to move to blockchain networks.

The market pundit mentioned a forecast from the Boston Consulting Group that estimates tokenization could become a $16 trillion market by 2030. Claver believes this figure could end up being too low because tokenization solves several long-standing problems in traditional finance.

Today, real estate transactions can take between 60 and 90 days to settle. Cross-border payments often take several business days, private equity investments can lock up funds for years, and securities markets still rely on delayed settlement processes. He also highlighted the roughly $27 trillion held in Nostro and Vostro accounts to support international liquidity.

According to Claver, tokenization can improve these systems by allowing near-instant settlement, fractional ownership, global access to liquidity, and better connections between markets. It also makes capital programmable. This can lead to new financial applications.

Major institutions such as BlackRock, Franklin Templeton, JPMorgan, Visa, and Mastercard are already exploring tokenization in 2026. However, as more assets become tokenized, liquidity will become fragmented across different stablecoins, tokenized deposits, money market products, tokenized Treasuries, and regional settlement assets.

Why $XRP Could Benefit from a Growing Stablecoin Market

Claver noted that he does not believe the future will be dominated by a single stablecoin. Notably, he expects thousands of stablecoins and tokenized deposits to emerge as banks, governments, fintech firms, and exchanges create products that suit their own needs.

For instance, Bank of America is issuing one stablecoin while Citi launches another. Meanwhile, tokenized Treasury funds and regional payment networks could operate on separate systems. With more of these products emerging, it becomes important to move value between them efficiently.

Claver believes interoperability will become one of the biggest challenges in this environment. Since institutions generally prefer to use their own assets rather than those issued by competitors, they will need a neutral way to move value between systems.

That is where he believes $XRP can play a major role. Instead of replacing stablecoins, $XRP could help connect them by acting as a neutral bridge asset that routes liquidity between different networks.

When $RLUSD is one asset among many, that risk stays small and contained.

Make it the thing everything routes through, and suddenly that one company is a single point of failure for the whole system.

$XRP has no issuer. Nobody mints it or can switch it off

12/21🧵

— Jake Claver, QFOP (@beyond_broke) June 1, 2026

$RLUSD Could Help Bring Institutions into the XRPL Ecosystem

Claver said Ripple launched the $RLUSD stablecoin because institutions often prefer stable and predictable assets over more volatile cryptocurrencies.

Many institutions must follow strict compliance rules, accounting standards, and audit requirements. As a result, they feel more comfortable holding dollar-backed stablecoins than holding digital assets with fluctuating prices.

Claver says this makes $RLUSD an important entry point. It allows institutions to begin using blockchain infrastructure without immediately taking on crypto market risk. Once they start operating within the $XRP Ledger ecosystem, they can gradually explore additional services and opportunities available on the network.

$RLUSD launched in December 2024 and has already reached approximately $1.6 billion in market capitalization within about a year and a half. Claver called it one of the fastest-growing stablecoins in the industry.

He stressed that this growth did not come mainly from retail traders, meme coin speculation, or yield farming programs. Instead, institutions, enterprise settlement systems, and regulated liquidity use cases have driven much of the stablecoin’s expansion.

How $RLUSD and $XRP Could Create a Long-Term Growth Cycle

Claver suggested that if $RLUSD continues growing and compounds at 100% annually over the next five years, its market capitalization could reach roughly $48 billion to $50 billion.

However, he argued that market cap is not the most important measure for institutions, as transaction volume matters more. A stablecoin with a $50 billion supply can support trillions of dollars in annual transactions when institutions continuously reuse the same liquidity.

If $RLUSD becomes used for tokenized securities, cross-border payments, treasury management, derivatives collateral, institutional decentralized finance, foreign exchange settlements, and payment corridors, transaction activity on the $XRP Ledger could become much larger than the stablecoin’s market cap.

Notably, institutions may first use $RLUSD for settlement and treasury purposes, but they could later expand into tokenized securities, debt issuance, tokenized funds, instant trade settlement, and real-time collateral management.

According to Claver, this process creates an important cycle. In this cycle, $RLUSD adoption brings more institutions to the $XRP Ledger. As more institutions arrive, more assets become tokenized, and more stablecoins enter the network. This growth increases liquidity fragmentation, which raises demand for interoperability.

As interoperability becomes more important, $XRP’s role as a bridge asset grows. Greater $XRP liquidity can reduce slippage, improve efficiency, and support larger transaction volumes. These improvements can attract even more users and institutions, creating a cycle that repeats over time.