The global digital finance platform Uphold has officially launched USDC (USD Coin) on the XRP Ledger (XRPL), marking a pivotal development in cross-border cryptocurrency transactions. This integration empowers users worldwide to seamlessly transfer, store, and manage USDC across XRPL-compatible wallets — both within Uphold and externally — unlocking faster, low-cost international payments.
We’re bringing you USDC on XRPL!
Enjoy the flexibility of moving your $USDC to your Uphold and external XRPL wallet.
The XRP Ledger is designed to connect financial institutions, payment providers, and individuals, enabling fast and low-cost cross-border crypto transactions.
This announcement, originally shared via Uphold’s official X (formerly Twitter) account, underscores the growing synergy between stablecoins and high-performance blockchain networks. With USDC now natively supported on XRPL, users gain access to one of the most efficient decentralized payment infrastructures available today.
Why USDC on XRPL Matters
The XRP Ledger, developed by Ripple, is engineered for real-time global payments. It connects banks, fintechs, and individual users through a decentralized network capable of settling transactions in under four seconds — with minimal fees, often less than one cent. By integrating USDC, a leading dollar-pegged stablecoin, Uphold enhances liquidity options and expands financial utility for its user base.
USDC’s presence on XRPL introduces several key advantages:
- Near-instant settlements across borders
- Ultra-low transaction costs compared to traditional banking or wire transfers
- Interoperability with existing XRPL wallets and decentralized applications (dApps)
- Regulatory compliance, as USDC remains one of the most audited and transparent stablecoins in the market
This move aligns perfectly with Uphold’s mission: to democratize access to digital assets across multiple blockchains, making crypto more accessible, usable, and practical for everyday finance.
👉 Discover how stablecoins are transforming global payments on fast blockchains like XRPL.
Bridging Traditional Finance and Decentralized Systems
Uphold’s integration of USDC into the XRP ecosystem represents more than just a technical upgrade — it's a strategic bridge between traditional finance and decentralized infrastructure. As regulatory clarity improves around digital assets, institutions are increasingly seeking compliant, scalable solutions for cross-border value transfer.
USDC, issued by Circle, is already trusted by major financial players due to its full reserve backing and monthly attestation reports. Its deployment on XRPL means users can now leverage this trust-minimized asset within a highly efficient settlement layer — ideal for remittances, merchant payments, and institutional capital movements.
Moreover, XRPL supports not only cryptocurrencies but also tokenized fiat currencies, commodities, and custom assets. With USDC onboard, the ledger strengthens its position as a multi-asset settlement network — capable of handling everything from microtransactions to large-scale interbank settlements.
Regulatory Tailwinds Boost Adoption
This launch coincides with significant regulatory progress in the United States. On June 18, 2025, Congress passed the Genius Act, a landmark piece of legislation establishing a comprehensive federal framework for fiat-backed stablecoins. The law sets clear requirements for issuance, auditing, reserve management, and consumer protection — paving the way for broader institutional adoption.
Circle, the issuer of USDC, stands to benefit significantly from this new regulatory environment. Having recently completed a successful public listing, the company is well-positioned to expand its footprint across global payment networks — including integrations like this one with XRPL via Uphold.
These developments signal growing confidence in stablecoins as legitimate financial instruments — not just speculative assets, but tools for real-world utility in commerce, banking, and everyday transactions.
👉 See how compliant stablecoins are shaping the future of global finance.
What This Means for Users
For Uphold customers, the addition of USDC on XRPL translates into tangible benefits:
- Faster international transfers: Send money abroad in seconds instead of days
- Lower fees: Avoid high intermediary charges common with SWIFT or credit card networks
- Greater control: Move funds between Uphold and external XRPL wallets without restrictions
- Enhanced security: Benefit from XRPL’s robust consensus mechanism and decentralized architecture
Whether you're sending remittances to family overseas or managing cross-border business payments, this integration streamlines the process while maintaining full transparency and compliance.
Additionally, developers building on XRPL can now incorporate USDC into their dApps, payment gateways, or DeFi protocols — further enriching the ecosystem with a reliable, widely accepted stablecoin.
Frequently Asked Questions (FAQ)
Q: What is USDC?
A: USDC (USD Coin) is a fully reserved, dollar-pegged stablecoin issued by Circle. Each USDC is backed 1:1 by U.S. dollars held in regulated financial institutions, making it a secure digital representation of fiat currency.
Q: Why is USDC being added to XRP Ledger?
A: Adding USDC to XRPL enhances global payment efficiency. The XRP Ledger offers fast settlement times and low fees, making it an ideal platform for stablecoin transactions — especially for cross-border use cases.
Q: Can I send USDC from Uphold to any XRPL wallet?
A: Yes. Once enabled, you can transfer USDC from your Uphold account directly to any compatible external wallet that supports USDC on the XRP Ledger.
Q: Is there a fee for transferring USDC on XRPL?
A: Transaction fees on XRPL are extremely low — typically less than $0.01 — and are paid in XRP to prevent spam. These minimal costs make microtransactions and frequent transfers economically viable.
Q: How does this affect the adoption of crypto in traditional finance?
A: Integrations like this demonstrate how regulated digital assets can work alongside decentralized networks to solve real-world problems — increasing trust and paving the way for wider institutional adoption.
Q: Is USDC on XRPL the same as USDC on Ethereum or other chains?
A: While all versions of USDC maintain a 1:1 peg to the U.S. dollar, USDC on XRPL is a native asset on that specific ledger. It operates under XRPL’s rules and requires bridging mechanisms to move between blockchains securely.
👉 Explore how multi-chain stablecoin ecosystems are evolving across major blockchains.
Looking Ahead: The Future of Digital Payments
The convergence of trusted stablecoins like USDC with high-performance ledgers like XRPL signals a shift toward faster, cheaper, and more inclusive financial systems. As adoption grows and regulation matures, we’re likely to see more institutions embrace these technologies for everyday use — from remittances and payroll to trade finance and digital identity.
Uphold’s move sets a precedent for other platforms to follow. By prioritizing interoperability, compliance, and user experience, they’re helping build a truly global financial network — one where anyone, anywhere can send and receive value instantly.
As blockchain technology continues to evolve, integrations like USDC on XRPL will play a crucial role in shaping the next generation of digital finance — where speed, cost-efficiency, and accessibility are no longer trade-offs, but standard features.
Core Keywords: USDC, XRP Ledger, cross-border payments, stablecoin, Uphold, blockchain integration, decentralized finance, fast transactions