TLDR
- Bill Morgan clarifies misconceptions about RLUSD and XRP in Ripple’s payment ecosystem.
- Lawyer confirms XRP remains the core asset for cross-border payments.
- RLUSD serves a limited purpose primarily in USD markets or regulatory cases.
- Ripple’s partnerships do not signal a shift towards RLUSD over XRP.
- XRP outperforms RLUSD in terms of transaction speed and cost-efficiency.
Bill Morgan, a pro-crypto lawyer, recently addressed misconceptions regarding Ripple’s payment ecosystem. In his latest post, Morgan clarified the ongoing debate about the potential of Ripple’s stablecoin, RLUSD, outperforming XRP in cross-border payments. This comes as Ripple’s recent partnerships have fueled public speculation about the role of RLUSD compared to XRP.
RLUSD Complicates Payments, Says Bill Morgan
Bill Morgan addressed growing concerns on X, clarifying the role of Ripple’s stablecoin RLUSD in payments. According to Morgan, recent announcements regarding Ripple’s partnerships do not signal that RLUSD will play a major role.
“Ripple has always maintained that XRP remains the core asset for cross-border payments, not RLUSD,” Morgan stated.
I don’t work for either company so putting me to the test of giving you confirmation or certainty is hardly fair.
Nothing in the announcement at all suggest any role for RLUSD. I think ripple has now made it clear and certainly it has been made clear and post by.@JoelKatz that…
— bill morgan (@Belisarius2020) September 2, 2025
The lawyer emphasized that XRP continues to dominate in most Ripple payments. He pointed out that RLUSD serves a more specific purpose, primarily in USD markets or where regulatory requirements mandate stablecoin use.
“In real-time payments, RLUSD would only complicate matters due to its slower transaction speed and higher fees,” Morgan added.
Morgan reaffirmed Ripple’s stance that XRP is the superior choice for cross-border payments. He noted that XRP remains fast and efficient, even in volatile markets. In contrast, RLUSD’s use on networks like Ethereum could lead to more complexities and higher costs due to its USD peg.
Ripple’s Focus on XRP in Partnerships
Morgan took to social media to address the ongoing narrative that Ripple’s partnerships rely heavily on RLUSD. He made it clear that Ripple’s partnerships, including those with global payment firms, do not diminish the use of XRP.
“Ripple’s primary payment method remains XRP, with RLUSD used in specific cases where stablecoins are necessary,” he explained.
Ripple’s CTO, David Schwartz, echoed these statements, reinforcing the importance of XRP. Schwartz explained that XRP provides an unmatched solution for cross-border payments, particularly in terms of speed and cost-efficiency.
“The network’s speed ensures that XRP can outperform stablecoins like RLUSD in most scenarios,” Schwartz added.
The ongoing debate about the role of RLUSD in Ripple’s ecosystem continues to stir discussions. However, Morgan’s statements aim to put these speculations to rest, asserting that XRP remains integral to Ripple’s payment solutions.
