Ripple News: Africa Becomes Next Frontier for RLUSD Stablecoin

Africa has long struggled with costly and inefficient remittance channels. Ripple sees RLUSD as a potential fix. By teaming up with regional players such as Chipper Cash, VALR, and Yellow Card, the firm aims to give businesses and individuals access to a digital dollar designed for payments, treasury functions, and international settlements.

Chipper Cash co-founder Ham Serunjogi framed the move as a way to cut transaction costs for everyday users, while Yellow Card’s leadership stressed the importance of offering a stable, compliant asset for companies managing cross-border flows. VALR, meanwhile, will provide market access through listings.

From Pilot Projects to Enterprise Use

Although RLUSD is less than a year old, it already boasts a market valuation above $700 million. Ripple has been quietly planting seeds worldwide: Europe adopted the stablecoin under the EU’s MiCA framework, Japan rolled it out via SBI Holdings, and in Kenya, Mercy Corps Ventures has tested it as a trigger-based climate insurance payout tool for farmers.

DeFi isn’t being left behind either. RLUSD has been integrated into Aave’s Horizon, where it can be posted as collateral, signaling Ripple’s attempt to bridge traditional finance with open finance markets.

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Why Africa Is Next

For Ripple, the continent offers two advantages: rapid adoption of mobile money and a population eager for alternatives to traditional banking. Stablecoins are already making inroads in Nigeria, Kenya, and South Africa. By positioning RLUSD as both compliant and enterprise-grade, Ripple is betting it can outpace competitors who often face regulatory hurdles.

Big Picture Strategy

Ripple executives describe RLUSD as more than just another stablecoin. Their ambition is to make it a liquidity connector—tying local economies to global markets, powering remittances, and eventually playing a role in tokenized asset ecosystems. Senior VP Jack McDonald has argued that adoption in payments, tokenization, and collateralized trading shows the project’s staying power.

If Africa’s rollout proves successful, RLUSD could strengthen its claim as one of the few stablecoins gaining serious traction outside the U.S. and Europe—potentially setting the stage for Ripple to turn a niche payments token into a worldwide financial instrument.

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