Ripple's XRP and RLUSD Challenge SWIFT's Global Payment Empire
- Ripple's XRP and RLUSD aim to disrupt SWIFT by targeting a $400T cross-border payments market through institutional partnerships and regulatory clarity post-2023 SEC settlement. - Collaborations with Franklin Templeton and DBS tokenize money market funds as "sgBENJI," enabling seamless RLUSD-to-yield conversions while expanding blockchain-based institutional finance. - XRP faces technical challenges near $2.83 amid dollar strength and Fed caution, while RLUSD gains traction in DeFi arbitrage and tokenize

Ripple (XRP) and its stablecoin RLUSD are carving out a space at the crossroads of institutional finance and cross-border payment innovation. Experts point to their potential to access the vast $400 trillion global payments sector. Recent moves, such as forging alliances with leading financial institutions and achieving regulatory certainty after a lengthy legal dispute, have renewed investor enthusiasm for
Ripple’s partnership with Franklin Templeton and DBS Bank represents a major advance in expanding RLUSD’s use cases. RLUSD, which is backed 1:1 by the U.S. dollar, is now part of a collaboration that tokenizes Franklin Templeton’s U.S. Dollar Short-Term Money Market Fund as "sgBENJI" on the XRP Ledger. This allows investors to move between RLUSD and yield-generating assets without leaving the blockchain Where Will XRP Be in 5 Years? [ 7 ]. Both sgBENJI and RLUSD will be listed on DBS Digital Exchange (DDEx), providing users with a model that combines liquidity and yield Where Will XRP Be in 5 Years? [ 7 ]. This initiative highlights Ripple’s goal to use its blockchain for institutional-grade financial products, a move that could speed up the adoption of tokenized assets in mainstream finance.
The enormous $400 trillion cross-border payments industry remains central to Ripple’s growth story. CEO Brad Garlinghouse has stressed XRP’s potential to challenge SWIFT’s dominance in international transfers, citing its fast transactions, low fees, and regulatory clarity after the SEC case Ripple Partners Trillion-Dollar Manager Franklin … [ 6 ]. The conclusion of Ripple’s four-year legal battle in 2023, which confirmed XRP is not a security for retail trades, has cleared a major obstacle for institutional use. Garlinghouse also mentioned that the U.S. Treasury’s payment system upgrade on September 30 could further boost demand for XRP-based solutions, though he warned that regulatory clarity alone may not drive sustained price growth XRP Price Prediction: Why Is XRP Going Down? [ 1 ].
Analysis of XRP’s price trends shows mixed results. The token has hovered around $2.83, struggling to break above the $2.95 resistance as broader economic factors—like a strong U.S. dollar and the Federal Reserve’s cautious approach to rate cuts—create headwinds XRP Price Prediction: Why Is XRP Going Down? [ 1 ]. On-chain data reveals modest net inflows of $392,000 in late September, but overall outflows for the month suggest divided investor sentiment XRP Price Prediction: Why Is XRP Going Down? [ 1 ]. The debut of the REX-Osprey XRP ETF in September saw $37.7 million in trading volume on its first day, but institutional selling quickly offset early gains XRP Forms Downtrend Channel After ETF Selloff [ 2 ]. Experts caution that XRP’s near-term prospects depend on holding above $2.83 and avoiding a drop to the $2.75–$2.70 range XRP Forms Downtrend Channel After ETF Selloff [ 2 ].
RLUSD’s increasing adoption in decentralized finance (DeFi) and institutional circles adds further promise. Doppler Finance’s XRP vaults, with $15 million in total value locked, use RLUSD for arbitrage, expanding its function beyond simply being a stablecoin XRP remains below $3 despite growing institutional interest [ 4 ]. Ripple’s integration of RLUSD into money market funds via Securitize’s platform also widens its appeal, letting investors exchange fund shares for the stablecoin whenever needed Ripple CEO Issues ‘Massive’ Trillion Dollar Prediction [ 5 ]. This dual functionality—bridging conventional and blockchain finance—could make RLUSD a key player in the tokenized capital markets.
Despite these strides, obstacles remain. XRP’s price volatility and limited institutional appetite for the token itself are ongoing challenges, as most banks using Ripple’s payment network avoid holding XRP XRP vs ADA in 2025: Which Crypto Will Lead the Next Bull Run? [ 8 ]. The forthcoming launch of XRP ETFs is also under scrutiny, with skeptics pointing out that regulatory approval does not ensure continuous investment inflows XRP vs ADA in 2025: Which Crypto Will Lead the Next Bull Run? [ 8 ]. Still, optimistic projections from analysts like Edoardo Farina suggest XRP could reach $4–$10 in 2025, depending on broader economic trends and adoption rates.
The synergy between XRP’s practical uses and RLUSD’s growing institutional presence reflects Ripple’s two-pronged approach to capturing both retail and institutional markets. With $32.5 million in weekly inflows to the XRP Ledger and collaborations with trillion-dollar asset managers, Ripple is leveraging its blockchain to address major challenges in global finance. While technical and regulatory uncertainties persist, the convergence of demand for cross-border payments, stablecoin innovation, and regulatory clarity positions Ripple to challenge established financial systems in a rapidly evolving sector.
Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.
You may also like
Winner List of Audience in Bitget Live Incentive Program
Bitget to convert XPLUSDT perpetual futures from pre-market trading to USDT-M perpetual futures
Subscribe to Our New Mutual Funds Solution Products & Receive an 88 USDT Reward!
Bitget Live Trading Competition: Share 20,000+ USDT Prize Pool
Trending news
MoreCrypto prices
More








