Opinions on XRP certainly diverge.
Large parts of the Bitcoin ecosystem – with arguably good reasons – view Ripple as a long-running insider-enrichment scheme built on narratives that do not fully align with reality. At the same time, the “#XRPArmy” remains one of the most passionate tribes in crypto when it comes to investment cults.
Add to that the enduring idea that XRP is what bankers and suits prefer – making it, in the eyes of much of the LinkedIn crowd, the presumed natural winner.
Not to forget the narrative, that XRP is what bankers and suits prefer… and thereby making it in the eyes of the LinkedIn crowd the natural winner.
The “nobody is in charge” ethos of Bitcoin has never sat comfortably with large parts of the population. That is a market Ripple has targeted exceptionally well for more than a decade.
Yes, XRP may be a structure that enriches insiders handsomely. On the other hand, purely from a cold-hearted investor return point of view, XRP has crushed most other “old coins” out there over the past several years.…
This is not an endorsement, you do your own due diligence.
The numbers are the numbers.
It might not give you “sovereignty” and freedom to transact as other cryptocurrencies do – but then again, neither do Bitcoin ETFs, “Bitcoin Treasury companies”, or other such derivatives under the control of Wall Street & Co.
While we might have our personal opinions, we are also rather agnostic as a business when it comes to what type of transfer mechanism people prefer to move value.
We are in a marketplace after all – and the more compelling and competitive tooling will win.
Now, what changed on the BitcoinVN side?
BitcoinVN – Q2/2026 – XRP infrastructure upgrade
To provide the best and most reliable service to our clients, we generally aim to move as much critical infrastructure inhouse as possible.
This allows us to be one of the fastest swap engines on the market – powering a plentitude of integration partners.
As we are in the process of bringing a variety of second-tier blockchains and ledgers into our inhouse infrastructure, the month of April saw a significant upgrade to our XRP infrastructure.
The key points:
- your maximum swap size is now capped at 100,000$ rather than the previous 1,000$
- swaps are now executed (generally) within seconds rather than minutes
- better recovery options in case of forgotten destination tags*
* …please do not forget your destination tag though! It is still a manual recovery process that takes up resources and is not entirely free
As we aim to remove friction wherever possible, these steps seem pretty meaningful to us – and may hopefully also be appreciated by the part of our user base that does take an interest in XRP.
XRP – stablecoin support
Ripple Labs has long positioned itself around building out “remittance/payment” rails for the traditional banking and financial-services sector – for a long time one of the key pillars behind the case for why one “should get exposure to XRP.”
One may well be doubtful of that narrative – especially as it is not always obvious why adding an additional “transfer currency” with comparatively limited liquidity on both sides of the transaction leg should be the superior solution.
In recent times, however, Ripple has also adjusted to a broader market reality: the dramatic rise of stablecoins as a preferred transaction medium versus classic “bank balance” transfers. Ripple USD (RLUSD) was launched globally in December 2024 as Ripple’s own USD-backed stablecoin, issued on both XRP Ledger and Ethereum, and designed to maintain a 1:1 value with the U.S. dollar. Ripple states that RLUSD is backed by segregated reserves of cash and cash equivalents and redeemable 1:1 for USD.
As of now, RLUSD has already reached meaningful scale, with a circulating supply / market capitalization of roughly $1.37bn. While currently only just scratching at the Top 10 among USD stablecoins by market capitalization, it is still more than three times as large as EURC, currently the largest EUR stablecoin.
BitcoinVN has added direct support to swap in & out of both – RLUSD as well as USDC on the XRP Ledger to its supported options.
XRP – how to earn Yield?
Now, unless you are a sophisticated investor who can afford to put capital at risk – we would ask you to skip this paragraph.
But if you see yourself as a well-educated and professional capital allocator who can afford to put capital at risk and – for your own reasons – decide that XRP is the place you want to have exposure to… yes, BitcoinVN does currently offer an XRP liquidity pool.
While we do assume there is a reasonable chance that the anticipated APR might increase due to the lifting of the previous swap-size limits – there is of course no guarantee of any future returns.
Rewards are entirely dependent on platform usage – if, for example, XRP usage were to drop to zero by tomorrow… so would rewards.
In any case, if you cannot afford to lose capital and put it at risk with counterparties – we would urge you to keep control of your own coins in your own wallet, secured by proper hardware. Do not keep signing keys on your main work devices.
On the note of Yield:
There may be some uplift in the USDC liquidity pool APR due to the addition of USDC on the XRP Ledger – as well as in the unified USD stablecoin liquidity pool, to which RLUSD will contribute.
XRP – how to secure it?
General rule of thumb:
If you have more than 1,000$ worth of cryptocurrency to secure, use a dedicated hardware wallet.
Threat actors and their tools have become ever more sophisticated – and keeping access to your coins on your main device is these days just asking to get robbed.
Of course, most will only take action once it is too late – we hope you are not one of them.
Now – where do you get the right tools & expertise to protect yourself from attackers who are preying on your stack?
BitcoinVN Shop offers current-generation hardware wallets from Trezor, Ledger and Keystone – including the latest models – all of which can be used to secure XRP Ledger assets through their respective wallet software and integrations. As an official supplier in Vietnam, we aim to make those tools available locally for users who take their security seriously.
If you are based outside Vietnam – look for reputable vendors in your area, ideally those who allow you to preserve your privacy while conducting your purchase.
One of the main security precautions you can and must take seriously:
Do what you can to avoid tying your real name and identity to cryptocurrency ownership – otherwise it is only a matter of time until your home, you yourself, or your family become the target of unscrupulous violent criminals looking to relieve you of your savings.
For this very reason, our team also offers pick-up locations in HCMC and Da Nang – you can order your wallet and pick it up in person. We do not need to know your real name or your home address.
XRP – DCA (dollar-cost-averaging)?
Yes, if you have an account on BitcoinVN – you can use our new DCA feature to also allocate a regular part of your income to buy more XRP.
Or… you can also set it in a way, that you sell XRP on a regular basis. Or both. 🙂
We offer a wide degree of flexibility when it comes to DCA asset pairs and time intervals. More details will be forthcoming in a separate announcement article on this website, but if you already have an account and want to give it a try, feel free to explore it yourself.
We think it is pretty straightforward — but feedback is, of course, always welcome.
Integrate with BitcoinVN
As mentioned prior, we believe we have one of the most resilient and fastest swap engines on the market – and if you have got a product that wants to integrate with us, you can review the documentation here.
We offer quite favourable terms to integration partners – you can add your own mark-up as a way to increase the monetization potential of such an integration, if you believe your audience benefits from and values your service.
