NYDFS-Approved Issuance
RLUSD is issued under a trust charter from the New York Department of Financial Services — the strictest stablecoin regulatory framework in the US — making it uniquely suitable for institutional use.
XRP Ledger · NYDFS Approved · Fully Backed
The future of
USD on XRPL
is here
RLUSD is Ripple's enterprise-grade, fully regulated USD stablecoin on the XRP Ledger. Swap, bridge, pool, stake and borrow with 4-second settlement and near-zero fees.
NYDFS Regulated
1:1 USD Backed
Monthly Audits
OFAC Compliant
$520M+
RLUSD in circulation
Growing daily
4 sec
Settlement speed
XRP Ledger finality
$0.001
Avg. transaction fee
Near-zero cost
100%
USD reserve backed
Monthly attestations
XRPL DeFi Suite
Everything you need for RLUSD DeFi
Swap, bridge, provide liquidity, stake, borrow and more — all powered by the XRP Ledger's native DEX and AMM.
You send
RLUSD ▾
⇅
You receive
XRP ▾
Rate1 RLUSD = 1.877 XRP
Fee0.1% · ~$0.001
Settlement~3.8 seconds
SlippageAuto (0.5%)
Borrow RLUSD against XRP or other XRPL collateral at competitive rates.
XRP CollateralBorrow APR 3.9%
RLUSD CollateralBorrow APR 2.4%
Max LTV75%
Liquidation threshold82.5%
Platform Capabilities
Built for XRPL-native finance
Every feature is designed around RLUSD's unique position as the only regulated USD stablecoin natively issued on the XRP Ledger.
Native XRPL DEX Integration
Unlike bridged stablecoins, RLUSD uses XRPL's built-in DEX and AMM protocol — meaning swaps settle with ledger finality in under 4 seconds with fees as low as $0.001 per transaction.
Monthly Reserve Attestations
Every RLUSD is backed 1:1 by US dollar deposits and short-duration US Treasury bills held in segregated accounts. Independent Big-4 auditors publish monthly attestation reports publicly.
OFAC Sanctions Screening
RLUSD incorporates real-time OFAC SDN screening at the protocol level. Addresses flagged by Ripple's compliance engine are automatically blocked from interacting with RLUSD trust lines.
Cross-Chain Bridge Protocol
Ripple's official XRPL-EVM bridge lets you move RLUSD between the XRP Ledger and Ethereum in under 30 seconds without wrapping or custodial risk, enabling seamless multi-chain DeFi.
Ripple Payments Integration
RLUSD is natively supported in Ripple Payments — the global cross-border payment network used by 80+ banks and payment providers — enabling instant, low-cost international USD settlement.
Getting Started
How to use RLUSD in 3 steps
From wallet connection to earning yield — everything is designed to be simple, fast and secure on the XRP Ledger.
1
Connect your XRPL wallet
Link XUMM, Crossmark, or MetaMask (for Ethereum RLUSD). No seed phrase sharing — we use wallet-connect standards so you always remain in control of your keys.
2
Acquire or bridge RLUSD
Swap XRP for RLUSD directly on the XRPL DEX, bridge from Ethereum, or receive RLUSD from any counterparty. The XRP Ledger's native trust line system enables instant peer-to-peer transfers.
3
Earn, borrow or transact
Put your RLUSD to work: provide liquidity for 8%+ APR, stake for guaranteed yield, borrow against XRP collateral, or use RLUSD in Ripple Payments for global cross-border transfers.
Knowledge Base
Everything about RLUSD explained
Community
Trusted by builders & institutions
"RLUSD is the first stablecoin that our legal team actually felt comfortable with. The NYDFS approval and monthly attestations make regulatory conversations easy. We settled $4M in cross-border payments in the first week."
"We integrated RLUSD into our DeFi protocol using the XRPL AMM. The 4-second finality and sub-cent fees transformed our user experience. Our liquidity providers are earning 9%+ APR on stablecoin pairs."
"The OFAC compliance built into RLUSD's design means we can offer stablecoin services without building our own AML infrastructure. That alone saved us 6 months of development and significant ongoing compliance cost."