Circle, the company behind the $61B USDC, just took off the gloves.
It’s officially launching the Circle Payments Network, gunning for the exact space Ripple has been trying to own for over a decade: cross-border crypto remittances.
This is not a coincidence — it’s a head-on challenge.
According to the World Bank, global remittances will hit $913B in 2024.
That’s a massive target — and both Circle and Ripple want to become the default crypto rail for moving money between borders.
But now the question isn’t just who’s first — it’s who’s better.
Ripple built its strategy around XRP as a bridge currency.
Circle is flipping the script: it’s pushing regulated, fiat-pegged stablecoins like USDC and EURC that institutions already feel comfortable with.
Plus, programmable payments and 24/7 settlement mean Circle’s system is plug-and-play for the modern fintech stack.
Circle isn’t reinventing the wheel — it’s turbocharging it:
Ripple’s closed system? Not so flexible.
Circle’s Web3-native approach could mean faster developer adoption and network effects.
Circle hasn’t faced an SEC lawsuit. Ripple did — and it’s still cleaning up.
Circle’s playbook is clear: work with regulators, not around them.
It’s already licensed in multiple jurisdictions and courting central banks, not just crypto bros.
That’s the kind of positioning that turns stablecoins into infrastructure — not speculation.
This fight isn’t just USDC vs XRP — it’s about who builds the rails for the next-gen financial system.
Ripple has the early mover advantage.
Circle has the momentum, tech, trust, and $61B stablecoin empire behind it.
Whether Circle becomes the “Ripple killer” or not, one thing’s clear:
The future of money is programmable — and it’s happening in real-time.
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