Expert Predicts RLUSD Will Bring the World onto XRP Rails 

Phil Kwok, co-founder of the Web3 education platform EasyA, has shared a promising outlook on how RLUSD could accelerate global adoption of XRP. 

In a recent commentary, Kwok asserted that Ripple’s stablecoin, Ripple USD (RLUSD), will “bring the world onto XRP rails.”

RLUSD to Attract Global Users to XRP Rails

Notably, Ripple fronted RLUSD in major acquisitions, including its deal with Hidden Road, now rebranded as Ripple Prime.

While some have previously expressed concerns that RLUSD might replace XRP, Kwok’s statement adds to the growing perspective that RLUSD will benefit XRP within the Ripple ecosystem rather than overshadow it.

In other words, RLUSD’s existence does not diminish XRP’s prospects but strengthens its long-term value. According to Kwok, the stablecoin will ultimately guide users and institutions worldwide onto XRP’s rails.

Following his forecast, many questioned how RLUSD could realistically attract users. Bitcoin proponent Dave Weisberger, for instance, asked about the stablecoin’s potential impact on XRP’s price.

In response, Kwok argued that the stablecoin’s true significance lies in its ability to bring high-quality collateral on-chain. By doing so, RLUSD enhances the overall utility and value of the XRP Ledger (XRPL), the blockchain that underpins XRP.

so much here. but one thing to think about: bringing high quality collateral onchain. make the chain valuable. i don’t see rlusd itself as the endgame. rlusd will smooth the transition onto the xrpl. then xrp comes into play…

— Phil Kwok | EasyA (@kwok_phil) November 19, 2025

Kwok highlighted that RLUSD is not the “endgame” but rather a bridge asset—one that will smooth the transition of high-quality collateral onto the XRPL. Once that capital and global user activity arrive, he suggests XRP will naturally benefit through increased demand and relevance across the network.

Ripple USD Expanding Integration

Since its launch, RLUSD has been steadily expanding its utility across multiple markets and use cases. In September, Ripple partnered with Securitize to enable institutional investors to swap shares of BlackRock’s BUIDL fund and VanEck’s VBILL directly for RLUSD. This showcases its potential as a bridge for high-quality assets onto XRP rails.

That same month, Tembo, the electric vehicle subsidiary of XRP treasury company VivoPower, adopted RLUSD as a payment method, demonstrating the stablecoin’s growing real-world use.

Ripple has also extended RLUSD’s reach into Africa through strategic partnerships with Yellow Card, VALR, and Chipper Cash, thereby expanding adoption across emerging markets. These integrations illustrate how RLUSD is serving as a practical on-ramp, gradually bringing global users and capital onto the XRPL and paving the way for broader XRP adoption.

Kwok Bullish on RLUSD’s Potential Dominance

In the meantime, some users questioned how RLUSD could “bring the world” onto XRP’s rails if its circulating supply is only $1 billion.

One user noted that RLUSD’s current valuation is far below those of its main rivals, such as USDT and USDC, which are at $183.73 billion and $74.43 billion, respectively.

In response, Kwok pointed out that RLUSD is still relatively new, having been in existence for just a year. While USDT and USDC now command massive valuations, they also began on a small scale and expanded as market demand grew.

For context, RLUSD launched in December 2024 on both Ethereum and the XRP Ledger. Since then, it has grown to a market cap of $1.02 billion, despite being less than a year old.