XRP and Ripple's Expansion Strategy: 3 Pillars for the Future of Global Finance

XRP was originally envisioned by Ripple as a reliable "financial infrastructure" to facilitate the movement of value globally, especially in cross-border transactions that often incur high costs and fees. With a growth of 750% over the past three years, it is clear that Ripple is headed in the right direction. Nowadays, the investment thesis in Ripple revolves around three key missions to expand its financial value: ( Building institutional-grade blockchain infrastructure on the XRP Ledger )XRPL(, ) Dominate international capital flow control areas, and ( Develop Ripple USD stablecoin into the default payment medium.

1. Build a Blockchain That Organizations Really Want to Use The long-term success of Ripple depends on whether XRP continues to address the issues faced by banks and large financial institutions – from regulatory compliance, asset control, to payment speed and costs. The XRPL has now provided a powerful asset management toolkit: trust lines ) credit lines (, issuance authorization, account freezing, transaction recall, and payment control. These are all important requirements that compliance teams have always set from the beginning, and they are also features that are either missing or fragmented on many other major blockchains. This difference makes XRPL an attractive choice for central banks and digital asset issuers. Additionally, XRPL continues to improve to maintain its advantage: the Automated Market Maker upgrade )AMM( was launched in early 2024, and many new compliance tools are on the way to deployment. As the XRPL becomes more friendly to institutions, it will be easier for large funds to store assets and execute transactions here, paving the way for the next step: dominating strategic areas on the global financial map.
2. Seizing Control of Capital Flow Areas The international payment system can only operate transparently when licensed by key regulatory authorities. Ripple has made solid progress in key markets. In Singapore – the payment hub of Asia – Ripple's subsidiary has been granted a Major Payment Institution license by the Monetary Authority of Singapore )MAS(, a prerequisite to participate in major payment flows in the region. In Dubai, Ripple also obtained approval to provide cryptocurrency payment services at Dubai International Financial Center )DIFC( in March, quickly signing partnerships with several partners in the UAE. With a series of licenses and a presence in major financial centers, XRP is getting closer to its goal of becoming an international payment medium. And even in the case that XRP is not the main intermediary currency, XRPL can still win thanks to its next strategy.
3. Developing RLUSD Stablecoin as a Core Payment Method Financial institutions always need stable digital assets, instant payments, and predictability, to reduce transaction costs and the time that capital is "tied up." RLUSD, the USD stablecoin issued by Ripple, is built on the XRPL, fully backed by cash and equivalent assets, along with monthly audit reports from third parties. This is an important foundation for Ripple to develop the global payment network. However, RLUSD still has a long way to go to become the "fuel" for this payment machine. As of mid-August, the circulating supply of RLUSD has only reached about 642 million USD, while USDC – a competing stablecoin – has surpassed 67 billion USD. To attract large institutions, Ripple needs to enhance its listings on exchanges, integrate e-wallets, open payment corridors, and implement RLUSD in Ripple Payments services. More importantly, the issuance volume of RLUSD must reach billions of USD to meet the demands of major players. Conclusion With three strategic pillars – organizational infrastructure, presence at capital flow hubs, and a strong stablecoin – Ripple is gradually laying the foundation for the future of global finance. If successful, XRP and RLUSD could become a "pipeline" for cross-border value, changing the way currency flows in the digital age.