Circle’s USDC native launch on the XRP Ledger landed at dusk on June 12, transforming the payments rail into a stablecoin-fueled freeway. Minutes after Circle published public addresses for both XRPL mainnet and testnet, exchanges from Bitstamp to Uphold signaled readiness, promising retail traders USDC access like on Ethereum, Solana, and eighteen other networks. Swaps without bridges are now live, and arbitrage desks are testing price paths.
Circle’s USDC native launch on the XRP Ledger also gives corporates something new to cheer about: deterministic two-second settlement paired with a reputed 1,500 transactions per second. Circle says merchants can now route payroll, remittances, and card settlements through XRPL while leaving exposure hedged in dollars. Liquidity is no longer chained to a single chain.
Developers are racing in as well. By eliminating wrapped assets, Circle’s USDC native launch on the XRP Ledger slashes smart-contract risk for lending pools, on-chain forex desks, and corridor market-makers. The launch pushes USDC’s total native footprint to 22 blockchains, edging it closer to Tether’s ubiquity and cementing Circle’s bid to be the compliance-first digital dollar of choice.
Not everyone is celebrating. Critics argue that each repeat of Circle’s USDC native launch on the XRP Ledger widens the gap between decentralised dreams and issuer control. Treasury blacklists, regulatory freeze powers, and opaque attestations remain flashpoints as Congress debates the GENIUS stablecoin bill in Washington. Yet market data shows traders still prize a frictionless dollar. XRP-based DEX volume popped 18% overnight while USD pairs on rival bridges sagged.
For Ripple’s community, the benefits are immediate. Circle’s USDC native launch on the XRP Ledger means fintech apps can tap on-chain dollars without depending on volatile XRP pairs, and pathfinding algorithms can execute multi-hop payments in a single ledger close. Early tests moved funds from Dubai to São Paulo in under five seconds, all while costing fractions of a cent.
Circle’s USDC native launch on the XRP Ledger arrives amid a sixty-one-billion-dollar USDC market cap and a wider push toward chain-agnostic liquidity. Whether watchdogs tighten the screws or grant new clarity, one fact is clear: the rails are being laid today. How will you use a borderless, programmable dollar that settles before you finish this sentence?
