$RLUSD

$RLUSD

Sovereign Assets • Layer 1s • Payment Networks

institutional-grade USD stablecoin

$RLUSD is Ripple’s fully regulated stablecoin designed to maintain a 1:1 peg with the U.S. dollar, backed by short-term U.S. Treasuries, cash, and cash equivalents held in segregated accounts with BNY Mellon as primary custodian. Issued natively on the XRP Ledger and Ethereum, $RLUSD brings enterprise-grade transparency, regulatory alignment, and composability into the XRPL ecosystem. Chartered under the New York Department of Financial Services (NYDFS) with 75+ global licenses, it is engineered for real-world integration including cross-border payments, liquidity provisioning, remittance flows, and tokenized settlements.

Use Case: $RLUSD is used for near-instant payments on XRPL, stable liquidity pairs on native DEXs, and as a fiat-anchored bridge between institutional finance and tokenized assets. Financial institutions leverage it for treasury operations, cross-border settlement, and as compliant on/off-ramp infrastructure.

Key Concepts:

• Regulated Stablecoin — Fully backed by U.S. Treasuries and compliant with NYDFS charter
• BNY Mellon Custody — Reserves held by oldest US bank in segregated accounts
• XRPL Integration — Native to the XRP Ledger, supporting seamless on-chain use cases
• Institutional Trust — Monthly third-party attestations and enterprise-grade transparency
• Cross-Chain Utility — Deployable on XRPL and Ethereum for multi-network liquidity
• Stablecoins — Digital assets designed to maintain steady value
• Tokenized Treasuries — Government bonds represented as blockchain-native assets
• Cross-Border Payments — International transfers powered by blockchain rails
• Depegging — Risk mitigated by full collateral and redemption rights
• $XRP — Native asset of the XRP Ledger, complementary to $RLUSD
• Financial Sovereignty — Self-custody and regulatory clarity combined

Summary: $RLUSD represents the new standard for institution-grade stablecoins. By combining full reserve backing (US Treasuries + BNY Mellon custody) with NYDFS regulatory compliance and monthly audits, Ripple has positioned $RLUSD to become the backbone for trusted stable payments, tokenized real-world assets, and enterprise DeFi. For those seeking hard asset backing beyond fiat, $KAG and $KAU offer the physical metal equivalent — together they represent the spectrum of sovereign-grade stable value.