Quiz: Stablecoins as Financial Plumbing | Learn

1. "Stablecoins are transit, not parking" means:

Stablecoins should never be held for any period of timeStablecoins are designed to move value quickly, not to serve as long-term savingsStablecoins are only useful for international transfersStablecoins lose value if held too long

Stablecoins function as settlement infrastructure. Their power is in moving value quickly and cheaply, not in being a store of value. Holding them long-term means paying for motion capability while standing still.

2. JIT (Just-in-Time) treasury means:

Keeping all capital in stablecoins at all timesValue moves only when needed, stays in transit minimally, and earns yield on the floatPaying all bills at the last possible momentConverting all assets to cash before making payments

JIT treasury routes value to its destination in the minimum possible time, earning yield during the brief transit window. Capital never sits idle. Every dollar is either earning in the growth layer or moving through the JIT routing layer.

3. The three monetary frameworks in order are:

Gold standard, silver standard, digital standardBretton Woods (gold-backed dollar), Petrodollar (oil-backed demand), Stablecoins (digital settlement layer)Barter, coinage, paper moneyBitcoin, Ethereum, XRPL

Bretton Woods pegged the dollar to gold ($35/oz). The Petrodollar era backed dollar demand through oil trade. The Third Framework extends dollar dominance through stablecoin ubiquity as the global digital settlement layer.

4. RLUSD is backed by:

XRP reservesRipple's stock priceDollar deposits and short-term US TreasuriesA basket of cryptocurrencies

RLUSD is fully backed by dollar deposits and short-term US Treasuries. It is not algorithmic and not backed by crypto assets. Over $1.2 billion in circulation with institutional adoption through Ripple's Hidden Road prime brokerage.

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