According to @Ripple, SVP Stablecoins Jack McDonald outlines two core yield paths for stablecoins: direct yield from interest-bearing assets and secondary utility by using stablecoins as collateral for DeFi and AMM liquidity, source: Ripple on X, Jan 7, 2026. The company adds that stablecoins are shifting from digital dollars to on-chain yield engines, enabling greater efficiency and utility for capital deployment, source: Ripple on X, Jan 7, 2026. These two approaches offer practical on-chain yield strategies for capital that might otherwise sit idle, source: Ripple on X, Jan 7, 2026.