Ripple has agreed to a new $150 million deal tied to a deal with UK-based trading group LMAX. The goal is to help large financial firms use Ripple’s new dollar stablecoin, RLUSD, for everyday transactions and payments.
The price of XRP did not move much after the announcement, suggesting that traders saw this as a long-term business move rather than immediate trading news. It is also in line with what many banks and institutions are currently looking for, blockchain tools that tap into the reality of how real financial markets work.
What Ripple’s $150M Plan Looks Like in Plain English
Ripple is putting serious money behind making RLUSD useful to major trading firms. Think of it as helping to develop pipelines behind the scenes so that money can move through global markets faster and with fewer delays.
Under the agreement, Ripple will provide up to $150 million in capital to LMAX over several years. In return, LMAX will build RLUSD into its trading systems for use as collateral and to settle trades.
We work with them @LMAX accelerating the adoption of institutional stablecoins and cross-border commodity flows.$RLUSD it will be integrated as the main security in the entire global market of LMAX – unlocking parallel efficiency in all crypto and traditional markets.
– Ripple (@Ripple) January 15, 2026
That means banks, traders, and capital funds on LMAX will be able to use RLUSD to move money between trades, cover positions, and settle deals at any time of the day, instead of waiting for slow bank transfers.
The program is more focused on stablecoins than XRP itself, but the XRP Ledger still plays a role in Ripple’s broader setup as it is one of the networks RLUSD operates on.
It also follows Ripple’s earlier decision to set aside 1 billion XRP in developer grants, indicating that the company has been slowly trying to develop real business uses for its technology, not just trading activity.
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Companies Are Already Using XRP
Some businesses are starting to hold XRP the way others hold Bitcoin. Nature’s Miracle set aside as much as $20 million in XRP as part of the company’s cash reserves last year, putting XRP on the balance sheet instead of just trading apps.
That kind of use tends to be quieter because companies are buying performance, not browsing for immediate profit, which can help accelerate demand in the long run.
Paying companies are also joining. Webus International has signed a $100 million deal to scale up XRP-powered payment services, bringing real transaction volume instead of just planning on paper.
How Ripple’s Stablecoin Works
Ripple also launched its own stablecoin called RLUSD. A stablecoin is a crypto designed to stay close to one dollar, which works well for businesses that want predictable prices.
Platforms like Doppler Finance plan to use RLUSD to help manage payments and liquidity, according to Messari’s report. In this setup, RLUSD is leading the strong side of the dollar while XRP is moving quickly behind.
This approach is in line with Ripple’s push to work closely with regulators. Its expansion into Europe and its recent license in the UK gives companies more comfort that the system can be used within existing regulations.
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Simple Risk Assessment
A large investment does not guarantee immediate monetary gains. XRP has gone through a long period of time where the progress in the background was not reflected in the price immediately, and the big companies tend to be slower than the traders.
There is also strong competition from other payment-focused crypto projects such as USDC, USDT, and Stellar. If banks and payment firms choose different systems, the growth of XRP may slow down.
Since this program is about building a payment infrastructure, it makes sense to avoid buying based on topics alone or spending the money needed on near-term expenses.
The story of XRP is moving away from legal battles and toward boardroom discussions, and if that direction continues, this $150 million plan could end up looking more like a foundation than a one-off splash.
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