# PYUSD vs RLUSD: Which stablecoin is more cost-effective to buy? Two small and refined stablecoins are benchmarked, and the data differences are significant: **PayPal USD (PYUSD)** - Market cap of 3.4 billion USD - Hold in your PayPal account to enjoy a 4% annual return - Internal transfers between Venmo and PayPal have no fees. - Transfers on the Solana chain are also free. - Supports trading pairs of 7 types of crypto assets **Ripple USD (RLUSD)** - Market capitalization of $1 billion - No yield feature available (officially in development, not yet launched) - Can be traded on over 20 exchanges - Focus on cross-border payment and RippleNet ecosystem liquidity - Best suited for backend use (you won't even notice it) **Buy Recommendation**: If you want to earn interest on stablecoins, the 4% annual yield of PYUSD is more attractive. If it's just for cross-border transaction tools or as a supporting asset for XRP, RLUSD is sufficient - after all, both are pegged to $1, and using them in the right scenario is key. In comparison to USDT (184 billion market cap) and USDC (75.5 billion market cap), these two competitors are still niche, with gaps in usability and liquidity. Make sure to confirm whether your exchange supports them before choosing.

Bank of England just locked in a proof of concept with Ripple's tech for currency settlements. The play here? If the UK actually scales crypto adoption, Ripple's infrastructure could be sitting pretty. XRP and RLUSD might see some serious tailwinds from this kind of institutional validation. Not saying it's guaranteed, but when central banks start testing your rails, that's not nothing.