Ripple's Top Exec Reveals 'Yield Engine' on Ripple Running on Stablecoins

Cover image via U.Today Disclaimer: The opinions expressed by our writers are their own and do not represent the views of U.Today. The financial and market information provided on U.Today is intended for informational purposes only. U.Today is not liable for any financial losses incurred while trading cryptocurrencies. Conduct your own research by contacting financial experts before making any investment decisions. We believe that all content is accurate as of the date of publication, but certain offers mentioned may no longer be available. Read U.TODAY on Google News Ripple's stablecoin "yield engine" XRP achieves new regulatory status in U.S. Advertisement Ripple’s senior vice president dealing with stablecoins, Jack McDonald, has taken part in a new episode of the company’s “Crypto in a Minute” educational podcast. In this video, the top executive shared two major ways in which users and investors can get their stablecoins — not only RLUSD — to generate financial yields for them. Basically, he has presented a “yield engine” available for users, which runs on Ripple and other platforms and is fueled with stablecoins. You Might Also Like Thu, 01/08/2026 - 07:56 XRP Supply Shock? 22M Tokens Leave Exchanges By Alex Dovbnya HOT Stories Can Bitcoin Reach $250,000 in 2026? Billionaire Draper Makes Major Prediction Crypto Market Review: Was Shiba Inu (SHIB) Zero Removal Trap? Ethereum (ETH) Strength at $3,200 Is Unmatched, XRP's Symptoms of Dead Cat Bounce Morgan Stanley Files for Bitcoin and Solana ETFs, Shiba Inu (SHIB) Price Erases Zero, Bollinger Shares XRP Warning — Crypto News Digest Bulls in Despair as Bitcoin Erases 2026 Gains Ripple's stablecoin "yield engine" Jack McDonald addressed the global Ripple community, hinting that retail investors often let their stablecoin stashes remain unused, while there are ways of letting one’s stablecoins generate financial yields. He revealed two main ways to help them do that. Advertisement The first way is to invest their stablecoins in interest-bearing stablecoins — investing digital dollars in the reserves that back those stablecoins. However, he warned that this sort of investment is available only “in some jurisdictions but not most.” The second way is to invest one’s stablecoins as collateral in DeFi protocols, such as Aave, or provide liquidity to AMM (automated market makers). These ways are great for generating income on-chain, according to McDonald. Another possible way is to put stablecoins in a savings account, he added, but that would bring much less yield than the first two opportunities. “With stablecoins, the transition from digital dollars to yield engines is here, delivering greater efficiency and utility on-chain,” Ripple’s tweet concludes. Advertisement Is your capital sitting idle? @_JackMcDonald_ , SVP Stablecoins at Ripple, says it doesn't have to. In the latest Crypto In One Minute, Jack explores two core ways stablecoins can generate yield: ✅ Direct Yield: Interest-bearing assets. ✅ Secondary Utility: Collateralizing for… pic.twitter.com/V9wZiJpSD1 — Ripple (@Ripple) January 7, 2026 XRP achieves new regulatory status in U.S. On Jan. 7, another senior executive at Ripple, the company’s managing director, Middle East & Africa, Reece Merrick, tweeted that XRP had finally secured “clear regulatory status as a non-security digital asset in the U.S.” He did not specify when it happened exactly but shared that it was achieved thanks to the court rulings that took place last year. Therefore, according to him, XRP is “one of the few cryptocurrencies with such a definitive standing in the U.S.” To confirm, XRP has secured clear regulatory status as a non-security digital asset in the U.S, thanks to landmark court rulings, making it one of the few cryptocurrencies with such a definitive standing in the 🇺🇸 That said, the US still lacks comprehensive regulatory clarity… https://t.co/CThVoT4aq8 — Reece Merrick (@reece_merrick) January 7, 2026 However, Merrick believes that the U.S. still lacks proper and up-to-date regulatory clarity for the crypto ecosystem in a wide sense, and this major drawback “continues to hold back US-based entities from fully thriving and innovating” in the crypto industry. #Ripple News #DeFi News