For those who keep saying Rlusd replaces Xrp

While Ripple USD (RLUSD) is a regulated, U.S. dollar-backed stablecoin designed for instant, stable payments, it does not eliminate the need for XRP in On-Demand Liquidity (ODL) cross-border payments. 
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Instead, RLUSD and XRP are designed to work together to enhance the speed and efficiency of the XRP Ledger (XRPL).