TL;DR
- Uphold now supports USDC natively on XRPL, enabling sub-$0.01, under-5-second transactions and bypassing traditional bridges.
- The integration supercharges Uphold’s multi-asset hub—users mix stablecoins, crypto, metals, and more, while devs launch scalable dApps (from programmable payroll to micro-subscriptions).
- Aligned with the emerging Genius Act, this compliant on-chain rail unlocks fresh DeFi primitives—flash loans, collateralized vaults, real-time yield engines—and boosts cross-border payments.
Uphold has just flipped the switch on USDC support for the XRPL, marking the first time Circle’s dollar-pegged stablecoin is live on this lightning-fast network. By weaving USDC into XRPL’s fabric, Uphold offers its users near-instant, ultra-low-cost transfers while tapping into the ledger’s built-in deflationary mechanics. The action is set to greatly enhance various areas, including international money transfers, on-chain lending, and dApps.
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 pic.twitter.com/gpY0mtj3lO
— Uphold (@UpholdInc) June 19, 2025
USDC Meets XRPL: Speed, Scale, Stability
With USDC now native on XRPL, holding and moving digital dollars feels more like sending a text than enduring a wire delay. Transactions settle in under five seconds at a fraction of a penny, thanks to XRPL’s consensus algorithm and fee-burning model. Users can deposit or withdraw USDC directly between their Uphold account and any XRPL wallet, sidestepping the cost and latency of traditional bridging services.
Uphold’s Multi-Asset Hub Gets a Turbo Boost
Uphold has always supported easy access to crypto, fiat, metals, and commodities all in one interface. Integrating USDC on XRPL dovetails perfectly with that vision: customers can now mix stablecoins with top coins and innovative tokens, all under one roof. Developers, too, gain a playground for next-gen apps: imagine programmable payroll, micro-subscription services or real-time trading bots operating on a network built for scale.
Regulatory Winds Favor Stablecoin Innovation
This launch arrives as U.S. lawmakers advance the Genius Act to codify stablecoin rules, strengthening oversight, reserve requirements, and consumer protections. By choosing USDC, Uphold positions itself at the regulatory frontier. Businesses and institutions seeking compliant on-chain rails now have a blueprint for bridging traditional finance and crypto rails under evolving federal standards.
Unlocking New Use Cases for Payments and DeFi
Beyond simple remittance, USDC on XRPL opens doors to fresh DeFi primitives: flash loans, collateralized vaults, and real-time yield engines built atop a deflationary base layer. Enterprises can settle cross-border invoices in stable USD, while creators monetize content through micropayments.
As XRPL’s burn mechanism whittles down supply, users gain not just speed and certainty but potential upside from a network designed to strengthen with each transaction.
