RLUSD (Ripple USD)

RLUSD (Ripple USD) is Ripple’s official U.S. dollar–backed stablecoin, issued on the XRP Ledger (XRPL). It is designed to bring stability, trust, and global adoption to the XRPL ecosystem, acting as a bridge between traditional finance and blockchain-based payments.

What is RLUSD?

RLUSD is a 1:1 USD-backed stablecoin issued by Ripple.
It leverages the speed, low cost, and eco-friendliness of the XRP Ledger, making it ideal for cross-border payments, DeFi applications, and stable value storage.

Launch year: 2025 (expected)
Issuer: Ripple Labs
Peg: 1 RLUSD = 1 USD
Blockchain: XRP Ledger (XRPL)

How Does RLUSD Work?

Collateralized reserves: each RLUSD token is backed by USD reserves held by Ripple.
XRPL-native: fully integrated with the XRP Ledger, enabling 3–5 second settlement and near-zero fees.
Transparency: Ripple has committed to publishing regular reports on reserves.
Liquidity bridge: works alongside XRP to improve payments and on/off-ramps.

Why is RLUSD Important?

Boosts XRPL ecosystem: enables DeFi, stable payments, and token issuance on XRPL.
Institutional trust: Ripple’s backing makes it attractive for banks and payment providers.
Cross-border utility: complements XRP by offering a non-volatile settlement option.
Stable DeFi foundation: opens the door for lending, trading, and yield products on XRPL.

RLUSD Use Cases

Cross-border payments: fast and stable settlement for remittances and banking.
DeFi on XRPL: trading pairs, lending, borrowing, and liquidity pools.
Merchants & payments: businesses can accept RLUSD with minimal volatility.
Tokenized assets: a stable medium for issuing other assets on XRPL.

Risks of RLUSD

Centralization: controlled and issued by Ripple Labs.
Regulation: as a fiat-backed stablecoin, subject to U.S. and international laws.
Adoption curve: needs strong ecosystem support to compete with USDC/USDT.
Dependence on Ripple: stability tied to Ripple’s credibility and reserves.

Lanzo Tip 🪙

RLUSD could make the XRP Ledger a true competitor in the stablecoin market. If you already use XRP, keep an eye on RLUSD for payments and DeFi — but remember, its success depends heavily on adoption and Ripple’s transparency.