Reddit Post Sparks Debate on Whether Ripple's Own Stablecoin Kills the XRP Use Case
A Reddit post has sparked debate inside the XRP community after a user spent two to three hours running XRPās investment thesis through both Claude and DeepSeek, prompted by a German finance analyst setting a $9 mid-term price target for the token.What the AI returned was not reassurance. It was a list of structural concerns.The RLUSD QuestionBanks hate volatility. XRPās original use case was as a bridge currency providing liquidity between fiat pairs via a brief token hop. But Ripple now offers RLUSD, a dollar-pegged stablecoin running on its own infrastructure.āRipple is pushing its own stablecoin (RLUSD). Banks hate volatility. Why would they voluntarily take on the price risk of XRP for their transactions when they could just use Rippleās software to send a price-stable RLUSD? Doesnāt this mean the XRP token loses its most important institutional use case, or am I missing something here?āIf banks can settle transactions using Rippleās software with a stable asset, why would they voluntarily absorb XRPās price risk? The post argued this potentially removes XRPās most important institutional use case by design, replaced by a product Ripple itself created.The SWIFT and Chainlink AlternativeThe AI raised a competing thesis. SWIFT serves over 11,000 institutions globally and is increasingly connecting to blockchains through Chainlinkās oracle infrastructure rather than replacing its existing rails. Analysts cited in the discussion put LINKās five-year target at $100 to $150 from a current $9 price, with the mathematical argument being that a 10 to 15x move requires significantly less capital than XRP reaching $9.The AI also flagged heavy sell pressure clustered between $2.40 and $3.00 from long-term holders, making a clean breakout structurally difficult.The post concluded by framing this as two competing philosophies for global financial settlement, with the implicit suggestion that only one model will ultimately dominate. Ripple is building the rails and the asset, and SWIFT is evolving through Chainlink integration while keeping its existing infrastructure intact. Trust with CoinPedia:CoinPedia has been delivering accurate and timely cryptocurrency and blockchain updates since 2017. All content is created by our expert panel of analysts and journalists, following strict Editorial Guidelines based on E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness). Every article is fact-checked against reputable sources to ensure accuracy, transparency, and reliability. Our review policy guarantees unbiased evaluations when recommending exchanges, platforms, or tools. We strive to provide timely updates about everything crypto & blockchain, right from startups to industry majors.Investment Disclaimer:All opinions and insights shared represent the author's own views on current market conditions. Please do your own research before making investment decisions. Neither the writer nor the publication assumes responsibility for your financial choices.Sponsored and Advertisements:Sponsored content and affiliate links may appear on our site. Advertisements are marked clearly, and our editorial content remains entirely independent from our ad partners.
