Brad Garlinghouse said on November 3 that RLUSD and XRP are complementary rather than competitive, responding to an analysis published on X by Vet, a member of the XRP Ledger community. XRP is the ledger’s native asset and is used to maintain account reserves, pay transaction fees, and act as an intermediary asset on the decentralized exchange. RLUSD is a dollar-denominated stablecoin issued by Ripple’s regulated stablecoin business, can be frozen under certain conditions, and is suited to use cases requiring price stability. Some XRP holders nevertheless fear that RLUSD could eventually replace XRP in certain payments, particularly since RLUSD also operates on Ethereum and other blockchains. At the Swell 2026 conference in New York on October 28, Garlinghouse also vowed that Ripple would never abandon XRP.
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