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Amid persistent questions about how $RLUSD could impact $XRP price, a community pundit has shared how the stablecoin’s adoption could benefit $XRP.
The Ripple stablecoin $RLUSD has gained massive momentum since launching last December. Today, $RLUSD ranks as the eighth-largest stablecoin, with a market cap of about $839 million. However, despite its success, some $XRP proponents still question how $RLUSD’s growth could benefit $XRP.
How $RLUSD Adoption Could Benefit $XRP Price
To address these questions, $XRP community figure Queen presented a theory that builds on the Shane Ellis concept. For the uninitiated, this concept suggests that institutional demand for $XRP could cause a sudden price spike as liquidity dries up across exchanges, leading to a supply shock.
Shane Ellis Theory + $RLUSD + G7 RLCurrencies = $XRP Supply Shock. 👇 https://t.co/KIjEk6vViV
— Digital Perspectives (@DigPerspectives) October 12, 2025
The chatbot presented an instance where if a bank deposited $1 billion in $RLUSD and used it to buy $XRP, the order would clear cheaper sell levels, say at $0.50 and $1.00, before reaching higher ranges near $5. Once those lower prices disappear, the market could naturally reset at higher levels.
According to the AI, this process could create a cycle where $RLUSD would make transactions faster and more efficient, institutions would find $XRP’s speed and low cost appealing, and rising demand could push prices higher.
To the chatbot, $RLUSD could become the bridge that allows institutions to execute massive $XRP transactions without the usual friction of fiat conversions, potentially driving the type of market surge that the Shane Ellis Theory describes, and leading to an $XRP price of $5.
However, it is important to note that this remains a hypothetical assessment and may not materialize as expected.
$RLUSD Seeing Impressive Growth
Notably, the assessment comes as $RLUSD sees impressive growth less than a year after launch. For one, the stablecoin became available for trading on Zero Hash and Revolut in February, giving more users access to it.
Then, in April, Ripple integrated $RLUSD into Ripple Payments to support cross-border treasury operations with selected clients. Two months later, the Dubai Financial Services Authority officially recognized $RLUSD as a compliant crypto token, allowing Ripple to expand more confidently into the UAE.
Interestingly, by July 9, Ripple chose BNY to serve as the main custodian of $RLUSD reserves. This move strengthened investor confidence by involving one of the world’s largest financial institutions.
In August, Ripple signed a memorandum of understanding with Japan’s SBI Holdings to begin distributing $RLUSD through SBI VC Trade starting in early 2026, targeting faster adoption across Asia. The following month, Ripple brought $RLUSD into Africa through partnerships with Chipper Cash, VALR, and Yellow Card.
Ripple carried its momentum into October by partnering with Bahrain Fintech Bay to promote the adoption of $RLUSD across the Middle East and North Africa. The partnership includes pilot programs, accelerator initiatives, and educational efforts for bolstering local adoption.