Ripple’s RLUSD Stablecoin Powers Real-World Finance and Crypto Integration

By: bitcoin ethereum news|2025/05/14 21:45:05

On December 17, 2024, Ripple introduced RLUSD, its own stablecoin project, into the stablecoin market . RLUSD highly prioritizes cross-border payments and regulatory compliance, making it a credible USDT competitor within the market . According to data from DeFiLlama, an open-source analytics platform, the stablecoin market’s total market capitalization is $242.93 billion. The market cap has risen by $1 billion in the last week, making it a 0.41% increase. Tether (USDT) continues to be the market leader, with its market cap contribution at 62.12%. That may, however, soon be threatened by the not-so-distant future. Ripple Labs’ RLUSD, introduced in December 2024, is creating its own space in the burgeoning landscape of stablecoin rivalry. The team behind Ripple recently issued a paper titled “Stablecoin Use Cases: What Are They Used For?” discussing at length the difference between RLUSD and existing stablecoins like USD Coin (USDC) and TrueUSD (TUSD). The report highlights the manner in which RLUSD is becoming a leader in Institutional DeFi and Real-World Asset (RWA) tokenization and is proving to be a viable substitute for traditional banking applications. On-Chain Efficiency and DeFi Integration Ripple’s ambition became even clearer on April 8, when the company made a major strategic move: acquiring Hidden Road, a global, multi-asset prime broker clearing over $3 trillion annually, for $1.25 billion. As we previously reported, this acquisition made Ripple the first crypto company to own and operate a fully-fledged global prime brokerage. According to the report, “RLUSD, built on the XRP Ledger, acts as a trusted, regulated stablecoin that institutions can use to post collateral, settle trades, and unlock liquidity across blockchain-based platforms.” The brokerage platform plans to use RLUSD as collateral, demonstrating the first real-world implementation of cross-margining with a stablecoin. Cross-margining allows traders to use a single pool of collateral across multiple markets, foreign exchange (FX), derivatives, and crypto, instead of keeping separate margin accounts for each. Institutions no longer need to lock up money in multiple accounts or work through several intermediaries. This streamlining reduces operational friction and allows capital to move faster and be used more effectively. The report states: RLUSD prioritizes compliance, speed, and settlement finality, key requirements for regulated stablecoin issuers. Ripple’s long-standing commitment to transparency and regulatory collaboration ensures RLUSD is built on solid foundations, offering both reliability and global utility. While it operates on the XRP Ledger, RLUSD takes full advantage of native features like auto-bridging, a built-in mechanism that automatically finds the most efficient path to swap between two assets. It also supports the XRP Ledger’s native decentralized exchange (DEX), which, unlike Ethereum-based exchanges that require third-party protocols like Uniswap, is native to the ledger. This enables fast trading and on-chain settlement without having to use complex smart contracts, lowering cost and risk. And with upcoming innovations like Multi-Purpose Tokens (MPT), a dynamic new token standard, and compliance-first updates that allow features like transaction tracking and identity verification, RLUSD will be even more robust and adaptable to regulated markets. In Ripple’s terms, By becoming the first stablecoin to support cross-margining on traditional and digital markets, RLUSD is not just keeping pace, it’s raising the bar for what enterprise-class digital assets must be. Source: https://www.crypto-news-flash.com/ripples-rlusd-stablecoin-powers-real-world-finance-and-crypto-integration/?utm_source=rss&utm_medium=rss&utm_campaign=ripples-rlusd-stablecoin-powers-real-world-finance-and-crypto-integration

The privacy-focused crypto wallet Mixin announced today the launch of its U-based perpetual contract (a derivative priced in USDT). Unlike traditional exchanges, Mixin has taken a new approach by "liberating" derivative trading from isolated matching engines and embedding it into the instant messaging environment.

Users can directly open positions within the app with leverage of up to 200x, while sharing positions, discussing strategies, and copy trading within private communities. Trading, social interaction, and asset management are integrated into the same interface.

Simplified Trading Experience: No KYC Required, Opening a Position in Five Steps

Based on its non-custodial architecture, Mixin has eliminated friction from the traditional onboarding process, allowing users to participate in perpetual contract trading without identity verification.

The trading process has been streamlined into five steps:

· Choose the trading asset

· Select long or short

· Input position size and leverage

· Confirm order details

· Confirm and open the position

The interface provides real-time visualization of price, position, and profit and loss (PnL), allowing users to complete trades without switching between multiple modules.

Social-Native Trading: Strategy and Execution Completed in the Same Context

Mixin has directly integrated social features into the derivative trading environment. Users can create private trading communities and interact around real-time positions:

· End-to-end encrypted private groups supporting up to 1024 members

· End-to-end encrypted voice communication

· One-click position sharing

· One-click trade copying

On the execution side, Mixin aggregates liquidity from multiple sources and accesses decentralized protocol and external market liquidity through a unified trading interface.

By combining social interaction with trade execution, Mixin enables users to collaborate, share, and execute trading strategies instantly within the same environment.

Referral Mechanism: Non-institutional users can receive up to 60% fee split

Mixin has also introduced a referral incentive system based on trading behavior:

· Users can join with an invite code

· Up to 60% of trading fees as referral rewards

· Incentive mechanism designed for long-term, sustainable earnings

This model aims to drive user-driven network expansion and organic growth.

Self-Custody Architecture and Built-in Privacy Mechanism

Mixin's derivative transactions are built on top of its existing self-custody wallet infrastructure, with core features including:

· Separation of transaction account and asset storage

· User full control over assets

· Platform does not custody user funds

· Built-in privacy mechanisms to reduce data exposure

The system aims to strike a balance between transaction efficiency, asset security, and privacy protection.

A New Path for On-Chain Derivatives

Against the background of perpetual contracts becoming a mainstream trading tool, Mixin is exploring a different development direction by lowering barriers, enhancing social and privacy attributes.

The platform does not only view transactions as execution actions but positions them as a networked activity: transactions have social attributes, strategies can be shared, and relationships between individuals also become part of the financial system.

Regulatory Background

Mixin's design is based on a user-initiated, user-controlled model. The platform neither custodies assets nor executes transactions on behalf of users.

This model aligns with a statement issued by the U.S. Securities and Exchange Commission (SEC) on April 13, 2026, titled "Staff Statement on Whether Partial User Interface Used in Preparing Cryptocurrency Securities Transactions May Require Broker-Dealer Registration."

The statement indicates that, under the premise where transactions are entirely initiated and controlled by users, non-custodial service providers that offer neutral interfaces may not need to register as broker-dealers or exchanges.

About Mixin

Mixin is a decentralized, self-custodial privacy wallet designed to provide secure and efficient digital asset management services.

Its core capabilities include:

· Aggregation: integrating multi-chain assets and routing between different transaction paths to simplify user operations

· High liquidity access: connecting to various liquidity sources, including decentralized protocols and external markets

· Decentralization: achieving full user control over assets without relying on custodial intermediaries

· Privacy protection: safeguarding assets and data through MPC, CryptoNote, and end-to-end encrypted communication

Mixin has been in operation for over 8 years, supporting over 40 blockchains and more than 10,000 assets, with a global user base exceeding 10 million and an on-chain self-custodied asset scale of over $1 billion.

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Mixin has launched USTD-margined perpetual contracts, bringing derivative trading into the chat scene.