Ripple vs Ripple Usd: Key Differences (XRP vs RLUSD)
Complete side-by-side comparison of Ripple and Ripple Usd. Price, market cap, technology, and more.
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What is Ripple?
XRP was built for one thing: moving money across borders fast and cheap. Ripple Labs created it to work with banks, not against them. Transactions settle in seconds for fractions of a penny. After years of SEC battles, XRP emerged with more clarity and institutional interest than ever.
What is Ripple Usd?
Ripple USD is Ripple's regulated stablecoin, designed to complement XRP in cross-border payments. Fully backed by USD deposits, US treasuries, and cash equivalents. Available on both XRP Ledger and Ethereum. Ripple's institutional relationships and regulatory experience give RLUSD a credibility advantage in the stablecoin race.
Price Evolution
Percentage change from start of period
XRP-13.37%RLUSD+0.01%Detailed Comparison
| Metric | XRP | RLUSD |
|---|---|---|
| XRP RLUSD | ||
| Price & Market | ||
| Price | $1.22 | $1 |
Price $1.22 $1 | ||
| Market Cap | $75.94B | $1.64B |
Market Cap $75.94B $1.64B | ||
| 24h Volume | $2.41B | $86.69M |
24h Volume $2.41B $86.69M | ||
| Volume/Cap Ratio | 3.18% | 5.30% |
Volume/Cap Ratio 3.18% 5.30% | ||
| Market Dominance | 0.03464583% | 0.00074633% |
Market Dominance 0.03464583% 0.00074633% | ||
| All-Time High | $3.65 | $1.073 |
All-Time High $3.65 $1.073 | ||
| ATH Date | Jul 18, 2025 | Dec 26, 2024 |
ATH Date Jul 18, 2025 Dec 26, 2024 | ||
| Performance | ||
| 24h Change | 4.36% | 0.01% |
24h Change 4.36% 0.01% | ||
| 7d Change | 8.39% | 0.02% |
7d Change 8.39% 0.02% | ||
| 30d Change | 13.37% | 0.01% |
30d Change 13.37% 0.01% | ||
| Supply | ||
| Circulating Supply | 62.05B | 1.64B |
Circulating Supply 62.05B 1.64B | ||
| Total Supply | 99.99B | 1.64B |
Total Supply 99.99B 1.64B | ||
| Max Supply | 100.00B | Unlimited |
Max Supply 100.00B Unlimited | ||
| Technology | ||
| Consensus | Ripple Protocol Consensus Algorithm | XRP Ledger / Ethereum |
Consensus Ripple Protocol Consensus Algorithm XRP Ledger / Ethereum | ||
| Block Time | 3-5 seconds | N/A (Stablecoin) |
Block Time 3-5 seconds N/A (Stablecoin) | ||
| TPS (Transactions/sec) | 1500 | N/A |
TPS (Transactions/sec) 1500 N/A | ||
| Launch Year | 2012 | 2024 |
Launch Year 2012 2024 | ||
| Transaction Fees | ||
| Average Fee | < $0.01 | < $0.01 |
Average Fee < $0.01 < $0.01 | ||
| Fee Model | Drop-based (XRP Ledger) | XRP Ledger stablecoin |
Fee Model Drop-based (XRP Ledger) XRP Ledger stablecoin | ||
| General | ||
| Primary Use Case | Cross-border payments, Banking | Stablecoin, Cross-border payments |
Primary Use Case Cross-border payments, Banking Stablecoin, Cross-border payments | ||
| Founder | Chris Larsen, Jed McCaleb | Ripple Labs |
Founder Chris Larsen, Jed McCaleb Ripple Labs | ||
| Website | ripple.com | ripple.com/solutions/stablecoin |
Website | ||
| Volatility & Risk | ||
| Drawdown from ATH | 66.6% | 6.8% |
Drawdown from ATH 66.6% 6.8% | ||
Technology Comparison
Use Cases & Ecosystem
Why Ripple?- ✓Transactions settle in 3-5 seconds for $0.0002
- ✓Real partnerships with banks and payment providers
- ✓SEC lawsuit largely resolved - regulatory clarity
Why Ripple Usd?- ✓Backed by Ripple's institutional payment network
- ✓Backed by Ripple's institutional payment network
- ✓Fully backed by USD deposits and US treasuries
- ✓Fully backed by USD deposits and US treasuries
- ✓Available on both XRP Ledger and Ethereum
- ✓Available on both XRP Ledger and Ethereum
Ripple Risks
- ✗Large portion held by Ripple Labs - centralization concerns
- ✗Not fully decentralized like Bitcoin or Ethereum
Ripple Usd Risks
- ✗Very new - still building market adoption
- ✗Very new - still building market adoption
- ✗Competing in a crowded stablecoin market
- ✗Competing in a crowded stablecoin market
Investment Considerations
The Verdict
Both Ripple and Ripple Usd serve important roles in the crypto ecosystem. Ripple focuses on cross-border payments, banking, while Ripple Usd is known for stablecoin, cross-border payments. Many investors choose to hold both as part of a diversified crypto portfolio.
Frequently Asked Questions
What is the main difference between XRP and RLUSD?
XRP is a digital asset designed for fast and cheap cross-border payments using the Ripple Protocol Consensus Algorithm, while RLUSD is a regulated stablecoin fully backed by USD and operates on both the XRP Ledger and Ethereum. XRP focuses on liquidity and settlement speed, whereas RLUSD offers price stability for transactions.
Which token is better for cross-border payments, XRP or RLUSD?
XRP is optimized for quick settlement and low fees, making it ideal for liquidity and instant transfers. RLUSD, being a stablecoin, provides price stability and reduces volatility risk, which can be beneficial for businesses wanting predictable transaction values.
How do transaction speeds compare between XRP and RLUSD?
XRP transactions settle within 3-5 seconds with a throughput of around 1500 TPS on the XRP Ledger. RLUSD, as a stablecoin, does not have a specific TPS or block time since it operates on both the XRP Ledger and Ethereum, where speeds depend on the underlying blockchain.
Is RLUSD more secure or regulated compared to XRP?
RLUSD is a regulated stablecoin backed by USD deposits and cash equivalents, benefiting from Ripple's regulatory experience, which adds a layer of credibility and compliance. XRP, while widely accepted, has faced regulatory scrutiny but continues to gain institutional interest as clarity improves.
Can I use both XRP and RLUSD together for payments?
Yes, XRP and RLUSD can complement each other in cross-border payments. XRP provides fast liquidity and settlement, while RLUSD offers a stable value option, allowing users to choose based on their needs for speed versus price stability.
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