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As XRP secures regulatory clarity and new partnerships, Stellar touts its open network structure in the ongoing race for cross-border payment efficiency.
XRP has secured major regulatory victories and institutional partnerships, yet its price lags significantly below historical highs, raising questions about its utility compared to rivals like Stellar [1]. Ripple recently announced a deal with Convera, a firm processing $190 billion in annual volume, to utilize its infrastructure for cross-border settlements [2]. However, the partnership relies on Ripple’s stablecoin RLUSD rather than the XRP token, highlighting a persistent disconnect between corporate adoption and token value [2].
Key takeaways
Ripple’s agreement with Convera, formerly Western Union’s business payments division
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Most institutional transactions on the ledger use Ripple's stablecoin, RLUSD, for settlement, while XRP is only used to pay minimal network fees.
The kit provides tools for third parties to build agentic payments, aiming to automate cross-border payment workflows using AI agents.
Distributed assets are held and moved by investors in their own wallets, while represented assets are recorded on the ledger but managed elsewhere.
AI-assisted synthesis by the TrendWatcher Editorial Desk · sourced from 3 outlets · Jun 3, 2026 · How we report
The activation of a native lending protocol and the potential for tokenized assets to trade directly on the ledger could create new utility for XRP.