RLUSD: Ripple's Enterprise-Grade Stablecoin Revolutionizing Global Payments

November 4, 2025 – In less than a year since its launch, Ripple USD (RLUSD) has skyrocketed past $1 billion in market capitalization, cementing its place as the fastest-growing regulated stablecoin in history. Built for institutions yet accessible to everyone, RLUSD combines the rock-solid stability of the U.S. dollar with the speed and transparency of blockchain. Here’s everything you need to know about the stablecoin that’s rewriting the rules of money movement.

What Is RLUSD?

RLUSD is a 1:1 USD-pegged stablecoin issued by Standard Custody & Trust Company, a Ripple-owned New York trust chartered by the NYDFS—the gold standard in U.S. crypto regulation.

Every RLUSD is backed by:

• U.S. dollar deposits
• Short-term U.S. government Treasuries
• Other high-quality cash equivalents

Held in segregated, audited reserves and redeemable 1:1 for real dollars, RLUSD eliminates de-pegging fears that have haunted lesser stablecoins.

Launch & Explosive Growth

• December 17, 2024: RLUSD went live on XRPL and Ethereum after final NYDFS approval.
• Day-one listings: Uphold, Bitso, MoonPay, Archax, CoinMENA.
• 2025 milestones:
  • April: Integrated into Ripple Payments for enterprise cross-border flows.
  • July: Earned an A rating from Bluechip, the independent stablecoin watchdog.
  • November 3: Crossed $1B market cap; 1 billion RLUSD now circulating on XRPL + Ethereum.

Where It Lives

• XRP Ledger (XRPL): Sub-second finality, pennies per transaction.
• Ethereum: Seamless DeFi and ERC-20 compatibility.
• Expanding: Multi-chain bridges and Layer-2 rollups in 2026.

Real-World Rocket Fuel

1. Cross-Border Payments
   Ripple Payments now settles in seconds using RLUSD + XRP as bridge asset—slashing fees by up to 90% vs. SWIFT.
2. Humanitarian Aid
   World Central Kitchen, Mercy Corps, and GiveDirectly deliver aid in RLUSD; satellite-triggered smart contracts paid drought insurance to 517 Kenyan farmers in 2025.
3. Tokenized Treasuries
   BlackRock BUIDL and VanEck VBILL holders swap shares for RLUSD in one click, keeping yield onchain.
4. Africa & Asia
   Chipper Cash, Yellow Card, and VALR power mobile remittances; SBI VC Trade brings RLUSD to Japan in Q1 2026.
5. Prime Brokerage
   Ripple Prime (ex-Hidden Road) lets hedge funds post RLUSD as collateral for 24/7 spot and derivatives trading.

Transparency You Can Verify

• Monthly third-party audits published on ripple.com/rlusd
• Onchain proof-of-reserves dashboard
• Freeze/blacklist functions for sanctioned addresses only

RLUSD vs. XRP: Perfect Partners

Together they power two-step payments: local fiat → RLUSD → XRP → destination fiat in seconds.

2026 Roadmap

• Japan mainnet launch with SBI
• Repo markets with DBS & Franklin Templeton
• RLUSD credit cards (Gemini XRP Edition already live)
• $10B market-cap target

How to Get RLUSD

1. Buy on Uphold, Bitso, Bullish, Bitstamp, Kraken, MoonPay
2. Mint directly via Ripple Custody (institutional)
3. Earn yield in Aave Horizon, Ondo, or sgBENJI money-market funds

The Bottom Line

In a world where $19 trillion in cross-border payments still crawl through 50-year-old rails, RLUSD is the regulated rocket fuel institutions have waited for. One year in, it’s already the #1 trusted stablecoin for enterprises—and it’s just getting started.

Ready to move money at the speed of the internet?

Start with RLUSD today: ripple.com/rlusd

RLUSD availability varies by jurisdiction. Always verify reserves at ripple.com/rlusd/transparency.