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Ripple’s RLUSD Stablecoin Expands DeFi Reach With New Morpho Vault

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Nexo Partners with Bakkt for US Crypto Exchange and Yield Programs

TLDR:

  • RLUSD’s market cap has more than doubled in six months, per Sentora’s announcement this week.
  • The Sentora vault on Morpho accepts five collateral types: cbBTC, weETH, wstETH, sUSDe, SyrupUSDC.
  • Morpho runs as a permissionless lending network, letting curators set their own risk parameters.
  • The RLUSD vault is live on Ethereum, with Sentora acting as the designated vault curator.

Ripple’s RLUSD stablecoin now has a dedicated lending vault on Morpho. Sentora, a DeFi vault curator, launched the product this week. 

The vault allows users to supply RLUSD and earn yield through curated lending markets. It marks another step in pushing RLUSD deeper into on-chain financial infrastructure.

Sentora Builds Curated Lending Market Around RLUSD on Morpho

RLUSD has grown steadily since its launch. Its market cap has more than doubled over the past six months, according to Sentora. Much of that growth ties directly to expanding its presence across DeFi protocols and multichain deployments.

The new Morpho vault adds a structured lending venue to that effort. Users deposit RLUSD into the vault. Borrowers can then access that liquidity by posting approved collateral through Morpho’s lending markets.

Sentora controls the risk parameters of the vault. That includes selecting which collateral assets qualify and setting the associated lending terms.

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The vault currently accepts five collateral types: cbBTC, weETH, wstETH, sUSDe, and SyrupUSDC. This spread gives borrowers flexibility while maintaining a diversified collateral base for the vault.

Morpho’s Permissionless Design Draws Institutional-Grade Activity

Morpho operates as a permissionless, non-custodial lending network. Developers and institutions can build customized lending markets directly on top of its protocol. Rather than relying on shared liquidity pools, the protocol supports curated vaults with configurable risk settings.

That design has driven fast growth. Morpho has become one of the more active lending infrastructures in DeFi, according to Sentora’s announcement.

For RLUSD, the structure offers a clean fit. Sentora manages risk. Morpho handles the underlying infrastructure. Suppliers access yield. Borrowers access stablecoin liquidity.

The vault is now live on Ethereum. Sentora published the contract address and a direct link to the Morpho app interface in its announcement posted on X.

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Morpho also flagged the launch on its own X account, describing it as new utility for RLUSD and calling attention to Sentora’s role as curator.

The move signals continued momentum for RLUSD beyond its original issuance role. Stablecoins increasingly function as active settlement assets within DeFi, not just passive stores of value. The Sentora vault adds a concrete use case to that trend.

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Crypto World

Weekly Bitcoin Buys Produce The Best Returns Across Bull And Bear Markets

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Cryptocurrencies, Bitcoin Price, Bitcoin Analysis, Adoption, Markets, Price Analysis, Cryptocurrency Investment, Investment 101, Bitcoin Adoption

Smart investors adjust their strategy during bear markets and 50% drawdowns like the one seen in Bitcoin (BTC) over the last five months. The strategy, known as dollar-cost averaging (DCA), involves investing the same amount at regular intervals regardless of market conditions. 

Historical market cycle data and forward-looking BTC price simulations provide a clearer view of how these steady investment patterns develop across different entry periods and time horizons.

A five-year Bitcoin DCA stack shows strong net gains

A $250 weekly Bitcoin purchase starting in January 2021 resulted in $67,500 invested over a five-year period. Based on DCA simulation data, the strategy accumulated 1.65097905 BTC at an average purchase price of $40,884.

At the current Bitcoin price near $71,000, that 1.65097905 BTC is valued at roughly $120,518, representing a $53,018 gain (76%) on the invested capital. When Bitcoin traded for $100,000, the holdings were worth about $165,098, while at the cycle peak near $126,000 in October 2025, the same amount reached $208,023.

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Cryptocurrencies, Bitcoin Price, Bitcoin Analysis, Adoption, Markets, Price Analysis, Cryptocurrency Investment, Investment 101, Bitcoin Adoption
Bitcoin DCA cycle 2021-2026. Source: Newhedge

A shorter accumulation window illustrates how entry timing changes the early outcome while the strategy continues building exposure. A $250 weekly DCA beginning January 2024 results in $28,500 invested, accumulating 0.36863166 BTC with an average purchase price of $77,312.

At the current price of $71000, the amount is valued at about $26,909, a –6% unrealized loss. At $100,000, the holdings had risen to $36,863, while a $126,000 cycle high valued the Bitcoin at $46,448.

In a February X post, Swan Bitcoin analyst Adam Livingston compared a similar DCA approach against equities over the past five years. A $100 weekly allocation produced $42,508 in Bitcoin versus $37,470 in S&P 500 (SPX), representing 62.9% and 43.6% returns, respectively.

Livingston noted that purchasing Bitcoin consistently during drawdowns has historically produced stronger cumulative returns despite the price volatility.

Cryptocurrencies, Bitcoin Price, Bitcoin Analysis, Adoption, Markets, Price Analysis, Cryptocurrency Investment, Investment 101, Bitcoin Adoption
$100 DCA cycle into BTC and SPX. Source: Adam Livingston/X

Related: Bitcoin’s bullish momentum accelerates but topping $78K remains a challenge

Long-term models emphasize the time horizon

Forward-looking simulations examine how the DCA strategy could work from 2026 onward. A $250 weekly DCA beginning January 2026 allocates about $54,250 by March 2030.

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The price assumptions come from Bitcoin’s long-term power-law growth curve, which tracks Bitcoin’s historical price relative to time on a logarithmic scale. The model produces a rising support band and median trend that have broadly aligned with previous market cycles.

Cryptocurrencies, Bitcoin Price, Bitcoin Analysis, Adoption, Markets, Price Analysis, Cryptocurrency Investment, Investment 101, Bitcoin Adoption
Bitcoin power-law growth curve. Source: Bitbo.io

Using this framework, analysts estimate that by 2028, the long-term trend support may move above $100,000, forming the base assumption for future DCA modeling. Simulations from Bitcoin Well place the median price near $430,278 by March 2030.

To capture the wider range around that path, the model also considers deviation bands of the power-law channel, producing a lower projection near $274,000 and an upper expansion scenario near $900,000.

Under those assumptions, the weekly strategy accumulates about 0.30 BTC over four years.

  • At $274,000, the holdings are worth about $82,200.

  • At the $430,278 median estimate, the investment value reaches $129,000.

  • At a $900,000 BTC price, the investment is worth nearly $270,000.

Cryptocurrencies, Bitcoin Price, Bitcoin Analysis, Adoption, Markets, Price Analysis, Cryptocurrency Investment, Investment 101, Bitcoin Adoption
DCA investment results by March 2030. Source: Bitcoin Well

A November 2025 study by Bitcoin researcher Sminston With tested how the entry timing affects the long-term outcomes using similar projections. Even buying 20% above $94,000 (the price of BTC at that time) and exiting 20% below the projected 2035 median still produced nearly 300% gains on the remaining holdings after a decade.

The total savings reached 7.7 times the initial capital in the simulation.

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The study concluded that entry timing adjusts the range of outcomes, while long holding periods drive the majority of the results.

Related: A sucker’s rally? Why Bitcoin analysts say BTC price must hold $70K