Ripple’s RLUSD couldn’t gain traction, so he pushed the XRP to adopt USDC as a backup.
Experts argue that XRP’s USDC will not enhance XRP’s value or real-world use cases.
Stellar’s network includes smart contracts, Stablecoins and global partnerships with key institutions.
The move to integrate XRP’s USDC has once again sparked controversy. While that may sound a step forward, experts have called XRP a desperate move to cover up the failure of Ripple’s native RLUSD launch, which will be behind the quiet and powerful leader Stellar.
Meanwhile, the actual action is already happening in the stellar network. Is XRP too late to catch up?
Let’s break it down.
Stellar is already a few years away
According to insights from the Stellar Expert Community, XRP’s native RLUSD Stablecoin deployment had not gained the traction that Ripple had hoped for. With less than 50,000 trust lines and practically no use, RLUSD had a hard time taking off.
XRP’s USDC is trap – the actual liquidity is already in XLM
The RLUSD rollout for XRP has floped. So now they are leaning towards the circle.
Meanwhile, Stellar is already years ahead.Let me explain pic.twitter.com/cxl3ljg7wd
– June 25th, 2025, Stellar Expert (@stellarexpert)
This lack of momentum is changing ripple to Circle’s USDC as a backup strategy.
Meanwhile, Stellar added USDC support in 2021, and has since quietly built up real-world momentum. The numbers speak for itself: trust lines of over 1.5 million, thousands of active wallets, daily use by African, Asian and Latin American merchants.
These are not just test environments, they are used daily for actual payments and transactions.
Ripple shifts to USDC – not useful for XRP
Critics say Ripple is currently attempting to deploy USDC on the XRP ledger, but this does not guarantee the real benefits of the XRP token itself. In fact, by creating USDC multichines, XRP can lose its own edge, making it difficult to build real utilities and demands.
Experts can copy features, but not in the years of infrastructure, recruitment and partnerships Stellar already has built.
Stellar’s strong position
Stellar has also made progress beyond Stablecoins in smart contracts through Soroban, with both USDC and PYUSD integrated and working with key players such as Franklin Templeton and WisdomTree. It could even bolster unsupported humanitarian corridors and real-world payment systems.
In short, Stellar’s USDC is not just an idea, it’s a work system. Meanwhile, XRP’s USDC feels more like a headline glove than a breakthrough.
