Circle’s USDC stablecoin debuted on the XRP Ledger, a
move expected to significantly expand its utility across decentralized finance
and cross-border payments.
The launch, which requires no bridging, highlighted Ripple’s ongoing strategy to link traditional finance and crypto with seamless
infrastructure.

Stablecoins Find New Ground on XRPL
According to the announcement, the launch of USDC on the XRP Ledger (XRPL) gives
developers, institutions, and users a direct way to access the second-largest
dollar-pegged stablecoin on Ripple’s layer-1 network. The integration enables
stablecoin transfers between decentralized exchanges using XRP as a bridge
currency via auto-bridging.
This native integration follows Circle’s recent IPO
success and comes amid growing interest in stablecoins as geopolitical and
monetary tools. With over $61 billion in circulation, USDC continues to grow
its footprint across blockchain networks.
The move aligns with a broader push in the United
States to regulate stablecoins and establish them as credible financial
instruments. The dollar’s credibility
has come under pressure as some foreign holders sell off US Treasury bonds,
leading to rising yields and higher debt servicing costs.
In this context, stablecoins backed by
dollar-denominated assets are increasingly seen as a means to protect the
dollar’s role in global finance.
Ripple-Circle Taps Into Broader Liquidity and
Institutional Goals
The XRPL-USDC integration brings several technical
enhancements. Circle Mint and Circle APIs now support USDC on XRPL, allowing
institutions and developers to tap into DeFi protocols, cross-border payments,
and fiat on/off-ramps without the need for bridging.
Ripple, which recently denied reports of a Circle buyout attempt, still benefits significantly from this integration. It aims
to control 14% of global SWIFT liquidity by 2030 and needs broader stablecoin
adoption to fuel its global payment ambitions.
The stablecoin market now exceeds $237 billion and
continues to draw attention from regulators, institutions, and technologists.
As more issuers like Circle expand into cross-chain functionality, the
competition to anchor the digital dollar intensifies.
By going live on XRPL, USDC enters a new phase where
speed, compliance, and access matter more than ever. For Ripple and Circle,
this isn’t just a product release; it’s a step toward shaping the
infrastructure of tomorrow’s digital finance.
This article was written by Jared Kirui at www.financemagnates.com.
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