Ripple launches EU-regulated stablecoin on XRP Ledger while U.S. industry leaders welcome GENIUS Act and its potential impact on global and regional finance. In the near future, the blockchain ambitions of the TradFi segment might go far beyond issuing stable digital currencies, experts say.
Fully compliant stablecoins emerge in EU and US
As U.Today previously reported, releasing regulatory-compliant stablecoins is one of the most evident trends of 2025. Namely, XRP Ledger will host the Ripple-endorsed EU-regulated stablecoin, named EURØP.
As explained by Lingling Jiang, partner of DWF Labs, one of the most influential trading firms and market-makers globally, the effects of such trends might be more profound than they seem:
The entry of traditional banks into the stablecoin space isn’t just a product innovation but a signal that the architecture of money is being rebuilt. When commercial banks issue stablecoins, they’re effectively creating digital versions of deposits that can move instantly, settle globally, and operate outside the usual banking rails.
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This introduces a parallel layer to the monetary system, one that interacts directly with DeFi protocols, tokenized assets and real-time settlement networks.
This shift has serious implications for how central banks manage liquidity, how regulators oversee stability and how users, from institutions to individuals, store and move value.
Stablecoins flow through new venues, bypass traditional clearing houses and in times of stress could move at speeds that challenge existing safeguards.
Towards new, more detailed and flexible regulation
Also, the expert indicated even more ambitious use cases for blockchains in the TradFi vertical that might attract notable attention in the coming years:
At the same time, we’re seeing early signs of a broader wave of digital money design. Alongside central bank digital currencies (CBDCs), we now have tokenized deposits like JPM Coin and Citi’s Regulated Liability Network pilot, privately issued stablecoins like USDC and PYUSD, and yield-generating synthetic dollars like USDe.
There could be a sudden diversification and proliferation of monetary instruments as a result, meaning many different formats of new, competing forms of money, each programmable, composable and tailored to specific use cases.
Whether this becomes a period of monetary innovation or monetary fragmentation depends on regulation. Frameworks like the GENIUS Act in the U.S. and MiCA in Europe must strike a delicate balance: encouraging growth without replicating the fragility of shadow banking.
Dan Burgin
Vladislav Sopov
U.Today Editorial Team