XRP’s decision to integrate USDC again sparked a debate. Although this may look like a step forward, the experts call it a desperate decision to cover themselves for the failure of the launch of the native rusd of Ripple, the one who puts XRP to years behind a silent but powerful leader: Stellar.
Meanwhile, the real action is already occurring on the stellar network. Could XRP be too late to catch up?
Let’s decompose it.
Stellar has years in advance
According to information from the stellar expert community, the deployment of XRP of its native stable rusdoin did not win the traction that Ripple had hoped. With less than 50,000 lines of trust and practically no real use, Rlusd had trouble taking off.
This lack of momentum turns Ripple to the USDC of Circle as a backup strategy.
Meanwhile, Stellar was the one who added the USDC support in 2021, and since then he silently built real impulse. The figures speak for themselves: more than 1.5 million lines of trust, thousands of active portfolios and daily use by traders across Africa, Asia and Latin America.
These are not only testing environments – they are used daily for real payments and transactions.
Ripple moves to the USDC – No XRP help
According to criticism, Ripple is now trying to deploy USDC on the Ledger XRP, but that does not guarantee any real advantage for the XRP token itself. In fact, by manufacturing USDC Multichain, XRP can lose its unique edge, which makes it more difficult to build a utility or real demand.
Experts say you can copy a feature, but not the years of infrastructure, adoption and partnerships that Stellar has already built.
The strong stellar position
Beyond Stablecoins, Stellar also makes progress with smart contracts via Soroban, has both integrated USDC and Pyusd, and works with major actors like Franklin Templeton and Wisdomtree. It even feeds supported humanitarian corridors and real world payment systems.
In short, the USDC on Stellar is not only an idea – it is a work system. Meanwhile, USDC on XRP looks more like a title capture than a breakthrough.
