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RLUSD (Ripple USD) is a regulated stablecoin pegged 1:1 to the U.S. dollar, launched by Ripple in December 2024. It is primarily used to facilitate enterprise-grade financial operations with the speed of blockchain while maintaining the stable value of traditional fiat.
Primary Uses of RLUSD
Cross-Border Payments: RLUSD is integrated into Ripple Payments, allowing institutions to settle international transactions in minutes rather than days, avoiding the price volatility of other cryptocurrencies.Institutional Liquidity & Treasury: It serves as a reliable on/off-ramp between traditional fiat and digital assets for banks and payment providers, simplifying treasury management and cash flow optimization.Decentralized Finance (DeFi): Issued on both the XRP Ledger (XRPL) and Ethereum, RLUSD is used as a stable store of value in DeFi protocols for activities like lending, borrowing, and yield farming.Trading & Margin Collateral: Traders use RLUSD as a "safe harbor" during market volatility. It is also the first stablecoin to be used as margin collateral for derivatives trading on platforms like BitMEX.Real-World Asset (RWA) Tokenization: It acts as a stable medium of exchange for tokenized assets such as commodities, securities, and government bonds.Charitable Giving: Ripple has partnered with NGOs to streamline donations using RLUSD, providing a transparent and efficient way to send aid globally.Retail Payments: Through apps like Oobit, users can use RLUSD to pay at over 100 million retailers globally where Visa is accepted.
Key Features
Regulatory Compliance: Issued by Standard Custody & Trust Company under a New York Department of Financial Services (NYDFS) charter, making it one of the few fully regulated stablecoins in the U.S..Transparent Backing: Each token is 100% backed by a reserve of U.S. dollars, short-term U.S. Treasury bills, and cash equivalents, with monthly independent audits published publicly.Multi-Chain Availability: It operates as a native asset on the XRP Ledger for ultra-fast, low-cost settlements and as an ERC-20 token on Ethereum for broad ecosystem access.
Where to Access RLUSD
As of late 2025, RLUSD is available on major exchanges and platforms including:
UpholdBitstampKrakenBitMEXMoonPayBitso
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