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S25E22
Ripple Is Building Something Bigger Than Payments
25:13

Ripple Is Building Something Bigger Than Payments

0:00 / 25:13

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Ripple's next chapter may not be about payments—or even XRP price. A new institutional lending model being built on the XRP Ledger could allow businesses to borrow based on creditworthiness rather than locking up excessive collateral, with RLUSD serving as the money moving through the system.

In this episode of The Chip Mahoney Show, I look at why this matters, how institutional borrowers can put capital to work and repay it with interest, and why the most interesting part of Ripple's move may be the infrastructure being assembled behind the scenes.

The bigger question: If institutional credit moves onchain, who captures the value from making it work?

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Key Takeaways

  • Ripple is developing an institutional lending model on the XRP Ledger that allows businesses to borrow based on creditworthiness rather than requiring excessive collateral
  • RLUSD serves as the money moving through this new lending system
  • The episode explores how institutional borrowers can deploy capital and repay loans with interest through on-chain infrastructure

Frequently Asked Questions

What is Ripple's new institutional lending model?

A lending system built on the XRP Ledger that allows businesses to borrow based on creditworthiness rather than locking up excessive collateral

What role does RLUSD play in this system?

RLUSD serves as the money moving through the institutional lending system

Is Ripple's focus still on payments and XRP price?

According to the episode, Ripple's next chapter may not be about payments or XRP price, but rather about institutional lending infrastructure