XRP Ledger，RLUSD採用和零售偏好：Stablecoins的新時代？

探索Ripple的RLUSD在XRP Ledger上的令人驚訝的零售及其對Stablecoin市場的影響。

RLUSD, Ripple's stablecoin, is making waves with unexpected retail adoption on the XRP Ledger (XRPL). What started as an institutional play is now seeing traction among everyday users. Let's dive into why this is happening and what it means for the future of stablecoins.

Rlusd是Ripple的Stablecoin，在XRP Ledger（XRPL）上採用意外零售的波浪。最初的機構遊戲現在看到了日常用戶的牽引力。讓我們深入了解為什麼會發生這種情況以及對Stablecoins的未來意味著什麼。

RLUSD's Unexpected Retail Surge

RLUSD意外的零售激增

Originally designed for institutional clients, RLUSD is experiencing significant retail growth. Robert Kiuru, COO of Xaman, notes the "real traction on the retail side," driven by integrations with wallets like Xaman and platforms like Transak. This dual-market approach positions RLUSD as a competitor to giants like USDC.

RLUSD最初是為機構客戶設計的，正經歷著巨大的零售增長。 Xaman的首席運營官羅伯特·基魯（Robert Kiuru）指出，與Xaman這樣的錢包和Transak等平台的集成驅動著“零售方面的真正牽引力”。這種雙人市場的方法將RLUSD定位為USDC等巨頭的競爭對手。

Why XRPL for Retail?

為什麼要零售XRPL？

Interestingly, while most RLUSD is issued on EVM sidechains (88% of its $557.7 million market cap), 91% of its 34,160 holders prefer the XRP Ledger. Kiuru attributes this to XRPL's established enterprise credibility and technical advantages. The XRPL's speed and cost-efficiency are attractive to retail users, despite the higher issuance on EVM networks.

有趣的是，儘管大多數RLUSD是在EVM Sidechains上發行的（其5.577億美元的市值中的88％），但其34,160個持有人中有91％喜歡XRP Ledger。 Kiuru將其歸因於XRPL既定的企業信譽和技術優勢。儘管EVM網絡發布了更高的發行，但XRPL的速度和成本效率對零售用戶具有吸引力。

Institutional Backing Matters

機構支持事項

Ripple's partnership with BNY Mellon adds another layer of credibility to RLUSD. BNY Mellon serves as the primary custodian for RLUSD reserves, enhancing its regulatory compliance and security. This move addresses the growing demand for compliant digital assets, making RLUSD a preferred choice for large-scale enterprises.

Ripple與BNY Mellon的合作關係為RLUSD增加了另一層信譽。 BNY Mellon是RLUSD儲備金的主要保管人，增強了其監管合規性和安全性。此舉解決了對合規數字資產的不斷增長的需求，使RLUSD成為大型企業的首選選擇。

A Shift in the Financial Landscape

金融格局的轉變

The institutional adoption of XRP and RLUSD signals a significant shift. Financial giants like BNY Mellon and ProShares are embedding themselves into the XRP ecosystem. Tokenized assets on the XRPL have surged by 2,260% since January 2025, reflecting an emerging financial order where institutions play a key role.

XRP和RLUSD的機構採用標誌著重大轉變。像BNY Mellon和Proshares這樣的金融巨頭正在將自己嵌入XRP生態系統中。自2025年1月以來，XRPL上的令牌資產飆升了2,260％，反映了機構發揮關鍵作用的新興金融秩序。

My Take: Decentralization vs. Institutional Control

我的看法：權力下放與機構控制

While the rise of RLUSD and institutional involvement brings stability and regulatory clarity, it also raises questions about decentralization. Are we moving towards a future where traditional institutions consolidate power over digital liquidity channels? It's a balance between innovation and control that the crypto community needs to watch closely. The ongoing SEC litigation against Ripple adds another layer of complexity, but the underlying technology and its potential remain compelling.

儘管RLUSD的興起和機構參與卻帶來了穩定和監管的清晰度，但它也引發了有關權力下放的疑問。我們是否正在朝著傳統機構鞏固對數字流動性渠道的權力的未來發展？這是加密社區需要密切關注的創新與控制之間的平衡。正在進行的針對Ripple的SEC訴訟增加了另一層複雜性，但潛在的技術及其潛力仍然令人信服。

The Future of RLUSD

Rlusd的未來

RLUSD's trajectory highlights the importance of adaptability in the stablecoin market. Its growing retail footprint and institutional backing position it as a versatile player. Keeping an eye on its integration with retail platforms and its performance against regulatory shifts will be crucial.

RLUSD的軌跡強調了適應性在Stablecoin市場中的重要性。它不斷增長的零售佔地面積和機構支持位置，它是多功能球員。關注與零售平台的集成以及對監管轉變的性能至關重要。

Final Thoughts

最後的想法

So, what does all this mean? RLUSD is shaking things up, blurring the lines between institutional-grade tools and consumer-facing products. It's like finding out your grandpa's favorite hobby is DJing at underground raves. Who saw that coming? Keep your eyes peeled, folks – the world of stablecoins is getting a whole lot more interesting!

那麼，這意味著什麼？ RLUSD正在搖動一切，模糊了機構級工具和麵向消費者的產品之間的界限。這就像發現您爺爺最喜歡的愛好是在地下狂歡中DJ。誰看到那個來了？睜大眼睛，伙計們 - 穩定的世界變得更加有趣！