Circle Brings USDC to XRP Ledger: A Game-Changer for Cross-Chain Liquidity

Circle just dropped a bombshell—USDC is now live on Ripple''s XRP Ledger. The stablecoin giant''s move bridges two of crypto''s most vocal ecosystems, and traders are already pricing in the liquidity tsunami.

DeFi''s walls keep crumbling

No more wrapping, no more hopping—native USDC on XRPL means one-click access for institutions and degens alike. Circle''s CTO called it ''the missing rail'' for cross-border payments. (Translation: banks might finally stop pretending blockchain doesn’t exist.)

XRP army gets a stablecoin upgrade

Ripple’s ledger—long criticized for lacking robust stablecoin options—just got a institutional-grade asset. Watch for arbitrage bots to go wild as CEX listings roll out. Pro tip: track the XRP/USDC pair—it’s about to eat into Tether’s monopoly.

Meanwhile in TradFi land…

JPMorgan’s stablecoin team is reportedly ''reassessing priorities'' after this news. Nothing like a little crypto competition to make legacy finance sweat over their 0.01% yield products.

USDC on XRPL

According to Circle, USDC’s presence on the XRPL mainnet gives developers, businesses, and users seamless access to the asset.

The integration eliminates the need for third-party bridges, streamlining USDC’s use on the ledger. Circle Mint and its APIs now support USDC transactions on XRPL, improving access to liquidity and reducing settlement times.

Circle sees a broad range of use cases for USDC on XRPL, including business payments, liquidity provision in DeFi, and settlement for decentralized apps.

USDC is the second-largest US dollar-backed stablecoin, with more than $61 billion in market capitalization, according to CryptoSlate’s data. Over 73% of this supply is based on ethereum and Solana, two blockchain networks renowned for their stablecoin dominance.

XRPL’s growing stablecoin ecosystem

Following Circle’s move, the XRPL now hosts five fiat-backed stablecoins, including USDC, XSGD, EURØP, RLUSD, and USDB.

Ripple believes that the presence of these stablecoins will drive new institutional interest and unlock fresh use cases for the blockchain network.

According to the firm:

“As these stablecoins go live, expect new financial use cases to flourish—from DeFi lending markets and yield-bearing savings products to FX trading, payroll, and cross-border treasury flows.”

XRP, the ledger’s native token, remains a key part of the ecosystem by facilitating liquidity, powering fast settlement, and acting as a bridge between different assets on XRPL’s decentralized exchange (DEX).

Ripple also noted that XRPL will continue to roll out compliance-ready features aimed at regulated financial markets. According to the firm, tools such as Permissioned Domains, Credentials, and Multi-Purpose Tokens (MPTs) are helping position XRPL as a foundation for tokenized real-world assets.