USDC Launches Natively on XRP Ledger, Expanding Cross-Border and Institutional Use Cases

Circle has officially deployed USDC, the second-largest stablecoin by market cap, on the XRP Ledger (XRPL). This brings a regulated dollar-backed asset directly onto XRPL’s decentralized network—without bridges—enhancing its utility for both developers and institutions.

The integration allows users to access USDC on the XRPL mainnet via Circle Mint and Circle’s suite of APIs. It also follows Circle’s recent public listing, signaling a strategic push into cross-chain and institutional finance infrastructure.

Why It Matters

The move introduces a trusted, regulated stablecoin to XRPL’s fast and low-cost ecosystem. It allows Circle to tap into XRPL’s proven infrastructure for cross-border settlement, while XRPL users and developers gain access to a high-liquidity, widely adopted stablecoin.

Circle called this a key step in enabling real-time payments, global remittances, and institutional-scale financial tools on XRPL. Unlike wrapped or bridged versions, native USDC simplifies these processes by being directly issued on-chain.

Institutional and Developer Access

With Circle Mint and Circle APIs fully supporting XRPL, institutions can now issue, redeem, and manage USDC at scale on the ledger. Developers gain tools to build DeFi apps, trading protocols, and fiat on/off-ramps that integrate directly with native USDC.

Ripple’s Markus Infanger emphasized that regulated stablecoins like USDC on XRPL “enable new institutional and retail use cases,” benefiting from the ledger’s compliance features, tokenization support, and low-fee settlement.

Strategic Timing

This launch follows closely on Circle’s public debut and continues its expansion across major blockchains. USDC is now live on multiple networks including Ethereum, Solana, Avalanche, and Arbitrum. XRPL’s addition gives Circle access to a chain already used for over $70 billion in transactions, according to Ripple.

For the XRP Ledger, native USDC support increases its relevance to wallet providers, financial institutions, and cross-border platforms looking for scalable, stablecoin-native settlement options.

Outlook

The USDC integration strengthens both Circle’s presence in the Web3 payment stack and XRPL’s position as a compliant, high-throughput financial network. It also adds competitive pressure to other networks racing to capture institutional-grade stablecoin activity.

As regulated digital dollars continue gaining traction globally, the addition of native USDC to XRPL may signal more enterprise-facing deployments ahead.