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Mustafa Mulla
Mustafa Mulla
Author
Mustafa has been writing about Blockchain and crypto since many years. He has previous trading experience and has been working in the Fintech industry since 2017.
Reviewed by:
Qadir AK
Reviewed
Qadir Ak is the founder of Coinpedia. He has over a decade of experience writing about technology and has been covering the blockchain and cryptocurrency space since 2010. He has also interviewed a few prominent experts within the cryptocurrency space.
- Jun 26, 2025 09:13 UTC
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USDC on XRP Is a Trap? Stellar Already Won the Race
Ripple’s RLUSD failed to gain traction, pushing XRP to adopt USDC as a backup.
Experts argue USDC on XRP won't boost XRP’s value or real-world use cases.
Stellar’s network now includes smart contracts, stablecoins, and global partnerships with major institutions.
XRP’s move to integrate USDC has sparked debate once again. While it may sound like a step forward, experts are calling it a desperate move to cover up for the failed launch of Ripple’s native RLUSD, one that puts XRP years behind a quiet but powerful leader: Stellar.
Meanwhile, the real action is already happening on the Stellar network. Could XRP be too late to catch up?
Let’s break it down.
Stellar Is Already Years Ahead
According to insights from the Stellar Expert community, XRP’s rollout of its native RLUSD stablecoin didn’t gain the traction Ripple had hoped for. With fewer than 50,000 trustlines and virtually no real-world use, RLUSD struggled to take off.
This lack of momentum is making Ripple turn to Circle’s USDC as a backup strategy.
Meanwhile, Stellar was the one that added support for USDC back in 2021, and since then, it has quietly built real-world momentum. The numbers speak for themselves: over 1.5 million trustlines, thousands of active wallets, and daily usage by merchants across Africa, Asia, and Latin America.
These aren’t just test environments — they’re being used daily for real payments and transactions.
Ripple Shifts to USDC—Not Help XRP
According to critics, Ripple is now trying to roll out USDC on the XRP Ledger, but this doesn’t guarantee any real benefit for the XRP token itself. In fact, by making USDC multichain, XRP may lose its unique edge, making it harder to build real utility or demand.
Experts say that you can copy a feature, but not the years of infrastructure, adoption, and partnerships that Stellar has already built.
Stellar’s Strong Position
Beyond stablecoins, Stellar is also making headway with smart contracts through Soroban, has both USDC and PYUSD integrated, and is working with major players like Franklin Templeton and WisdomTree. It even powers UN-backed humanitarian corridors and real-world payment systems.
In short, USDC on Stellar isn’t just an idea—it’s a working system. Meanwhile, USDC on XRP feels more like a headline grab than a breakthrough.
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FAQs
Ripple is integrating USDC on the XRP Ledger, reportedly because its native RLUSD stablecoin has struggled with low adoption (fewer than 50,000 trustlines) and minimal real-world use.
Critics argue that making USDC multichain might not directly benefit the XRP token and could diminish its unique edge, potentially making it harder for XRP to build demand.
Stellar’s USDC and PYUSD integrations are used daily by thousands of wallets and merchants across Africa, Asia, and Latin America, powering UN-backed humanitarian corridors and payment systems.
Yes 
No 
