Moon in 3, 2, 1: large USD tx on the ledger
One of the awesome features of the XRP Ledger is the "Decentralized Exchange". You can issue your own IOU (I Owe You): a token that can be exchanged using transactions on the XRP Ledger.
A large USD to USD transfer, from one XRPL account (wallet) to another, doesn't have to mean anything: as David Schwartz explains:
Because the XRP Ledger is permissionless, anyone can use it to exchange assets, whether or not they have real value, with anyone else who agrees to accept them.
Want to know more about Ripple and XRP, this is a great place to start:
Check this article for an educating read 🎉