Policy
February 23, 2026
Ripple’s USD-backed stablecoin, Ripple USD (RLUSD), edges closer to a major $2 billion milestone amid institutional backing, with the recent XRP digital reserve bill moving to the next stage. And despite the overall XRP price lag-and-explode cycle, these continue to reinforce long-term bullish sentiment among Ripple supporters.
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How Lower Transaction Costs and New Legislation Are Fueling Ripple’s Market Cap Surge
The crypto industry is shifting away from high-volatility assets toward reliable liquidity. Other stablecoins have been known to struggle with regulatory ambiguity. However, Ripple has spent billions on acquisitions and compliance to ensure RLUSD is the choice for global finance. In the last three years, Ripple has been on an acquisition spree, which now amounts to approximately $3 billion.
These acquisitions have been strategic in building a fully regulated global payments and liquidity network. Another factor igniting the surge is the lower Ripple transaction costs via the XRP Ledger. Ripple has made RLUSD the preferred collateral for regulated liquidity. This has improved the economics of moving funds globally, making the network more attractive for payments, remittances, and stablecoin transfers.
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To tie all these together, the broader Ripple ecosystem is also benefiting from a shifting legal landscape in the United States. The introduction of the XRP digital reserve bill has provided a framework of legitimacy that was previously missing. Legitimizing stablecoins and integrating crypto firms into the banking system could accelerate adoption because banking institutions offer the compliance checkmark.
What the $2 Billion RLUSD Milestone Means for Ripple’s Future
With $1.55 billion tokens already in circulation and a clear path toward $2 billion, Ripple is proving that regulated and reliable is the winning formula in the post-speculation era of crypto.
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And with the numerous successes of the XRP ledger and now a new milestone about to be achieved, Ripple’s growth is no longer tied solely to XRP price performance. Instead, the company is building a multi-layered digital finance stack. It is combining payments, liquidity, custody, and stablecoin infrastructure.
