Dr. Kamilah Stevenson is pushing back against a growing narrative in the community: that rising usage of RLUSD on the XRP Ledger somehow sidelines XRP itself.
In a recent video, the popular market connoisseur argues that institutional money is “choosing where to live” and is increasingly opting for infrastructure built on the XRP Ledger — a trend they say many retail holders are misreading.
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The core claim is stark: more RLUSD activity on the XRP Ledger should be read as stronger, not weaker, structural demand for XRP.
RLUSD Growth Sparks Confusion Among XRP Holders
According to Kamilah Stevenson, a lot of investors are looking at the surge in RLUSD transactions and drawing the wrong conclusions. “They think to themselves, okay, wait a minute, if everybody is using RLUSD for transactions, does that mean that they’re not using XRP anymore?” the host says, summarizing a common concern circulating on social media.
Some go further, viewing RLUSD as a direct competitor to XRP for network demand. The analyst dismisses this interpretation as fundamentally flawed. RLUSD, they argue, is not fighting XRP for relevance on the ledger; it is building more reasons for institutions to operate on XRP-native rails.
Why Every RLUSD Transaction Still Touches XRP
The key technical point made in the YouTube video is simple but significant: “Every single transaction on the XRP Ledger, no matter what asset is being moved, require XRP to settle.” In other words, even if the visible asset moving across the ledger is RLUSD, the underlying infrastructure still depends on XRP as the native token for transaction costs and settlement mechanics.
From this perspective, RLUSD volume is a proxy for underlying ledger usage. If institutions route payments and liquidity through RLUSD on the XRP Ledger, XRP remains the indispensable utility token at the base layer. Stevenson frames this as “one of the cleanest XRP demand stories” currently playing out on-chain.
Strategic Implications For Investors
The argument implies that investors should look past raw token-versus-token comparisons and focus on where institutional workflows are being built. If RLUSD continues to expand on the XRP Ledger, the structural need for XRP as a settlement asset and fee token could quietly intensify, even if spot XRP volumes do not immediately reflect it.
For crypto investors and Web3 analysts, the takeaway is mostly about tracking which base-layer networks are becoming indispensable to real institutional activity — even when that activity is denominated in other assets.
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People Also Ask:
According to the analyst, no. They stress that every XRP Ledger transaction, regardless of the asset moved, still requires XRP for settlement.
The video argues it is not. RLUSD is presented as a complementary asset that drives more usage of XRP Ledger infrastructure, indirectly supporting XRP demand.
Some assume that if institutions transact in RLUSD instead of XRP, it reduces demand for XRP. The analyst contends this view ignores how the ledger’s mechanics work.
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