- Recent data shows a shift from small to large transactions in RLUSD, indicating institutional interest.
- Transactions over $100,000 are becoming more common, with significant activity from whales.
- XRP’s utility is boosted by RLUSD, enhancing its credibility and institutional appeal.
It has been nearly two months since Ripple’s U.S. dollar stablecoin (RLUSD) received its “final approval” from the New York Department of Financial Services in early December 2024.
Earlier, Ripple CEO Brad Garlinghouse made this announcement in a post on X.
As we move into 2025, RLUSD has made significant strides, capitalizing on Ripple’s established reputation in payment services for institutions.
The stablecoin is also emerging as a key intermediary for the tokenization of RWAs.
Moreover, CryptoQuant’s latest analysis has sparked discussions online. The discussions began regarding a key metric, which is the RLUSD’s transaction size count on the Ethereum network. This data reveals a growing trend of large buyers and institutional investors entering the RLUSD market.
Notably, smaller transactions are becoming less frequent, while transfers exceeding $100,000 are on the rise.
This shift indicates a changing landscape for RLUSD, as it is increasingly attracting significant financial players.
Market Participants Prefer Large Transactions on RLUSD to Smaller Transactions
Recent data from CryptoQuant reveals the Ethereum network’s significant shift in transaction patterns for Ripple USD (RLUSD). Smaller transactions, particularly those under $1,000, are becoming increasingly rare.
Initially, these smaller trades dominated RLUSD transfers, indicating a market primarily composed of retail traders. However, as the market has matured, this trend has changed noticably in January.
Now, with individual traders either spending less or reallocating their funds. While, larger financial institutions are stepping in to take over the RLUSD market.
Historically, stablecoins driven by retail trading have experienced a significantly high volume of small transactions. But, as institutional adoption grows, the size of transactions tends to increase.
Now it seems like Ripple USD is clearly moving beyond its initial retail phase. This signals readiness for more significant institutional participation.

Similarly, upon carefully reviewing recent transfers, we noted a surge in Ripple USD transactions exceeding $100,000 on January 7th and January 15th.
The influx of capital into RLUSD has led to a rise in transactions between $100,000 and $1,000,000, with some even surpassing $1,000,000.
This activity indicates that whales are becoming increasingly active in the market. Big ticket purchases reflect confidence in the stablecoin’s functionality, accessibility, and convertibility into other forms of currency.
The acceptance of RLUSD by big players shows its emergence as a credible stablecoin for those dealing with substantial sums.

Additionally, as retail users initially adopted stablecoins like USDT and USDC, these digital currencies gained traction in larger financial circles, facilitating transfers, trading, and participation in decentralized finance.
If RLUSD continues to attract business from major firms, it could become a vital component of the cryptocurrency landscape.
XRP Price Greatly Benefitted From RLUSD Move
For any long-term investment in a product related to any company, for instance, Ripple, credibility is critical.
Also, since its introduction of RLUSD has greatly enhanced its reach in businesses, giving it a higher score in credibility.
By keeping credibility in mind, Ripple’s product lineup places it as one of the most compliant, transparent, and reliable stablecoins on the market.
This development opens doors for more firms seeking an entry point into the cryptocurrency space without fully committing to XRP.
As a result, RLUSD indirectly boosts XRP’s utility and is likely to drive further institutional adoption.
With XRP poised for its next milestone and RLUSD reinforcing Ripple’s ecosystem, the market is undergoing a transformation fueled by innovation and practical use cases.
Moreover, as XRP’s fundamentals are stronger than ever, making it less susceptible to the recent Bitcoin sell-off, too.
An analysis of XRP and BTC price movements following the 2024 U.S. election reveals that the Bitcoin sell-off on January 7th 2025 had minimal impact on XRP price.

This resilience indicates that XRP price is gaining strength, effectively resisting negative influences from Bitcoin while benefiting from positive trends.
If this momentum continues, the future looks promising for XRP, with the potential to achieve ambitious targets set by leading experts in the field.
Disclaimer
In this article, the views, and opinions stated by the author, or any people named are for informational purposes only, and they don’t establish the investment, financial, or any other advice. Trading or investing in cryptocurrency assets comes with a risk of financial loss.