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| Arca labs |
Gerald David Highlights Stablecoins’ Power to Outpace Traditional U.S. Banking Constraints
Stablecoins will revolutionize the U.S. financial system by overcoming the limitations of traditional banks, according to Gerald David, President of Arca Labs. Speaking at the TokenizeThis 2025 panel discussion, David emphasized the transformative role of stablecoins in reshaping how modern payments work.
Arca Labs, the innovation arm of the NYSE Arca exchange, focuses on integrating blockchain and digital assets into financial infrastructure. David pointed out that while U.S. banks operate only during business hours, stablecoin-based systems function 24/7, offering unparalleled flexibility and access.
Payments Innovation Driving Capital System Overhaul
David firmly believes that stablecoins will optimize efficiency in everyday transactions. He underlined how small payments, like buying coffee, won't require KYC (Know Your Customer) or AML (Anti-Money Laundering) protocols under new stablecoin-based systems. This ease of use could eventually reshape the foundations of capitalist payment structures.
Furthermore, the widespread deployment of stablecoin payments will drive adoption in both personal and commercial spheres. The evolution of this technology is not just about speed; it also enhances convenience, reduces costs, and increases financial accessibility across the globe.
Ripple’s RLUSD Stablecoin Strengthens Case for On-Chain Payments
This year, Ripple introduced RLUSD, a stablecoin built on the XRP Ledger (XRPL). The coin has already been integrated into Ripple Payments, enabling instant cross-border payments, integration with DeFi protocols, secure on-chain storage for corporate assets, and real-world asset (RWA) tokenization.
With Ripple’s enterprise-level use cases and Arca’s forward-looking stance, stablecoins are no longer just crypto novelties. Instead, they are becoming key instruments in redesigning how global payments function — securely, instantly, and continuously.