A growing debate within the crypto industry centers around stablecoins versus bridge assets for cross-border payments. Attorney Bill Morgan argues that instruments like RLUSD and USDT are limited in their ability to hedge against inflation. He suggests XRP as a neutral bridge asset due to its speed, decentralization, and lack of dependence on any single currency regime. His key points include: stablecoins track fiat currencies, limiting real value preservation; and traditional banking holds trillions in Nostro and Vostro balances requiring a neutral settlement layer. Ripple’s CTO David Schwartz echoes this sentiment, highlighting the significant volume XRP carries within the Ripple Payments network for cross-border settlements. Morgan argues that while stablecoins provide convenience as working collateral, they lack the neutrality of XRP in bridge currency functions. 2025 Market and Blockchain Updates report on XRP’s performance and current developments. It shows a slight daily increase to $2.81 USD but reflects a -6.7% decline over the past week. Despite this, its market capitalization remains substantial at $166.9 billion, with ongoing discussions around CBDCs fueling long-term interest. The debate between stablecoins and bridge assets continues, but their distinct roles are shaping the future of global finance.