Transactions on the $XRP Ledger typically settle within three to five seconds, with low transaction fees. Cross River said the integration combines its regulated banking infrastructure with blockchain-based payments, giving businesses more flexibility in moving money.
$RLUSD has a reported market capitalization of more than $2.5 billion, with over $1 billion issued on the $XRP Ledger. The stablecoin is designed to maintain a value equivalent to one US dollar and can support payments, trading and institutional transactions.
Also Read : Ripple ($XRP) Price Prediction 2026, 2027-2030: Will $XRP Reach $5?
Will X Money Use $XRP or $RLUSD?
The partnership has drawn attention because Cross River Bank also provides banking infrastructure for X Money, the payments service associated with Elon Musk’s X platform. This has led to speculation that X Money could eventually use Ripple’s payment technology.
However, the announcement does not confirm any integration between X Money and Ripple, $RLUSD or the $XRP Ledger. The confirmed developments are Cross River Bank’s relationship with X Money and its separate agreement with Ripple.
Therefore, $XRP payments on X remain unconfirmed. Whether X Money will adopt $RLUSD or the $XRP Ledger has not been established by either company.
For now, the partnership expands Cross River’s payment capabilities, but any direct connection to X Money would require a separate confirmation.

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