XRP Ledger，RLUSD采用和零售偏好：Stablecoins的新时代？

探索Ripple的RLUSD在XRP Ledger上的令人惊讶的零售及其对Stablecoin市场的影响。

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）上采用意外零售的波浪。最初的机构游戏现在看到了日常用户的牵引力。让我们深入了解为什么会发生这种情况以及对Stablecoins的未来意味着什么。

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最初是为机构客户设计的，正经历着巨大的零售增长。 Xaman的首席运营官罗伯特·基鲁（Robert Kiuru）指出，与Xaman这样的钱包和Transak等平台的集成驱动着“零售方面的真正牵引力”。这种双人市场的方法将RLUSD定位为USDC等巨头的竞争对手。

Why XRPL for Retail?

为什么要零售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，尽管大多数RLUSD是在EVM Sidechains上发行的（其5.577亿美元的市值中的88％），但其34,160个持有人中有91％喜欢XRP Ledger。 Kiuru将其归因于XRPL既定的企业信誉和技术优势。尽管EVM网络发布了更高的发行，但XRPL的速度和成本效率对零售用户具有吸引力。

Institutional Backing Matters

机构支持事项

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与BNY Mellon的合作关系为RLUSD增加了另一层信誉。 BNY Mellon是RLUSD储备金的主要保管人，增强了其监管合规性和安全性。此举解决了对合规数字资产的不断增长的需求，使RLUSD成为大型企业的首选选择。

A Shift in the Financial Landscape

金融格局的转变

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的机构采用标志着重大转变。像BNY Mellon和Proshares这样的金融巨头正在将自己嵌入XRP生态系统中。自2025年1月以来，XRPL上的令牌资产飙升了2,260％，反映了机构发挥关键作用的新兴金融秩序。

My Take: Decentralization vs. Institutional Control

我的看法：权力下放与机构控制

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.

尽管RLUSD的兴起和机构参与却带来了稳定和监管的清晰度，但它也引发了有关权力下放的疑问。我们是否正在朝着传统机构巩固对数字流动性渠道的权力的未来发展？这是加密社区需要密切关注的创新与控制之间的平衡。正在进行的针对Ripple的SEC诉讼增加了另一层复杂性，但潜在的技术及其潜力仍然令人信服。

The Future of RLUSD

Rlusd的未来

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的轨迹强调了适应性在Stablecoin市场中的重要性。它不断增长的零售占地面积和机构支持位置，它是多功能球员。关注与零售平台的集成以及对监管转变的性能至关重要。

Final Thoughts

最后的想法

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!

那么，这意味着什么？ RLUSD正在摇动一切，模糊了机构级工具和面向消费者的产品之间的界限。这就像发现您爷爷最喜欢的爱好是在地下狂欢中DJ。谁看到那个来了？睁大眼睛，伙计们 - 稳定的世界变得更加有趣！