The Role of XRP in the Future of Digital Dollars: What Happened After the Stablecoin Bill Passed?

Ripple (XRP) investors are closely watching the developments in US stablecoin regulation. Last Friday, US President Trump officially signed the GENIUS Act, meaning that the act has become law, triggering a shift in the perspectives of investors and institutions regarding the future of finance.

Although some voices in the cryptocurrency space are sounding alarms and making bold predictions, let’s delve deeper into how this will impact XRP and its role in the new digital economy.

The focus of this discussion is RLUSD, a stablecoin supported by the U.S. Treasury and natively built on the XRP ledger. According to analysts, this stablecoin is backed 1:1 by cash, short-term government bonds, and dollar equivalents, making it fully compliant and achieving institutional grade. The key is that RLUSD is designed to be fast, transparent, and stable. And XRP is the network that drives it.

This can be understood as follows: RLUSD is a digital commodity, and XRP is the global freight system for transporting goods. No intermediaries, no cross-border delays, no foreign exchange slippage. It is fast and efficient, designed for global financial scale.

There has been much discussion about tokenizing U.S. debt and even linking it to gold. Although some of these ideas may sound a bit far-fetched, they are gaining attention within policy circles.

Central banks around the world have been buying gold in large quantities, US debt continues to grow, and inflation persists. The reality is that some things need to change, and digital finance can provide tools to fix this system that many believe has reached its limits.

RLUSD operates on the XRP ledger, opening the door to instant settlement of tokenized assets, including currencies, commodities, and even government debt. This infrastructure will make XRP not just a cryptocurrency, but a part of the financial rails driving global markets.

This does not mean that XRP will surge to $1,000 overnight. But it does help to explain why some investors choose to hold long term. The infrastructure is being quietly built.

Ripple's institutional products have begun to operate. The recently passed "GENIUS Act" lays the regulatory foundation for digital assets supported by the U.S. government. With this regulatory clarity, capital is more likely to flow to transparent and compliant ecosystems like RLUSD and XRP.

As the pressure from offshore stablecoins and unregulated assets continues to rise, analysts believe we may see liquidity shift towards these fully compliant platforms. This shift could grant XRP a role as a neutral settlement layer—essentially becoming a bridge connecting tokenized dollars, debts, and more.

So, is XRP just another altcoin? Some would say it is far more than that—it is becoming part of the digital pipeline for the next generation of financial systems. Whether these bolder predictions come true or not, one thing is certain: XRP holds a position in discussions about the future of currency that is difficult for other crypto assets to match. This is worth paying attention to.

Today (21st) in the Asian early session, XRP is currently priced at 3.4687 USD, slightly retracing from last night's high.

(Source: Trading View)