RLUSDRipple USD

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NYDFS-regulated dollar token from Ripple, fully reserved in Treasuries, cash deposits and money market funds.

Price

$1.0000

−0.002% from peg

Market cap

$2.50B

+3.93%

Liquidity

$199.52M

Tracked on-chain depth

Best yield (vetted)

None

No pool above $100M TVLHighest raw APY: 4.77% (unvetted) →

Chains

Deployments tracked

Supply history

Not enough history yet

Safety score: 89/100 — Strong

89Strong

Back reserves are transparent, redemption is direct, and the peg has held through stress.

Full methodology →

Collateral quality & transparency (30%)95
What actually backs the token and how often it is verified. Treasury-backed with daily or on-chain proof scores highest; unattested reserves score lowest.
Peg stability (25%)100
Live deviation from $1.00 plus the worst historical depeg on record. A single deep depeg keeps weighing on the score.
Liquidity depth (20%)72
Tracked on-chain pool liquidity in absolute dollars and as a share of circulating supply — how much can exit before the price moves.
Issuer & legal structure (15%)100
Regulatory status of the issuer and whether holders have a direct redemption right or only a secondary market exit.
Track record (10%)61
Years in production, minus documented incidents.

Issuer & structure

Regulatory regime: NYDFS-regulatedsource
Issuer: RippleLEI984500…?
Jurisdiction: United States (NYDFS)
Collateral: treasuries
Peg mechanism: fiat-backed
Attestation: monthly
Redemption: direct
Issuer can freeze balances: Yes — issuer can freeze balances
Attestor: BPM
Launched: 2024
Website: —

Supply by chain

Ethereum$1.28B (51.0%)
XRPL$1.23B (49.0%)

Where to get RLUSD

Every venue that sells Ripple USD, ranked by what a purchase actually costs once fees, spread and the withdrawal to your chain are counted.

Amount (USD)Paying withRegionReceive on

Cheapest route: Kraken — you receive about $997 of RLUSD from $1,000 (0.30% all-in, delivered on Solana).

RLUSD purchase options ranked by all-in cost
Type	Fee	Spread	Withdrawal	All-in cost	You receive	Verified	Go
Exchange	0.20%	0.05%	$1 Solana	$3 0.30%	$997	2026-08-12 stale — verify at checkout Fee accurate?	Buy on Kraken
On-ramp	0.99%	0.90%	direct to wallet	$19 1.89%	$981	2026-08-11 stale — verify at checkout Fee accurate?	Buy on Transak
On-ramp	1.00% + $4	1.00%	direct to wallet	$24 2.40%	$976	2026-08-11 stale — verify at checkout Fee accurate?	Buy on MoonPay
On-ramp	1.50%	1.20%	direct to wallet	$27 2.70%	$973	2026-07-28 stale — verify at checkout Fee accurate?	Buy on Banxa

Estimates built from published fee schedules — the final price is shown at venue checkout. Partner links never change this ranking.

Full RLUSD buying guide →Every route compared, with the fee traps spelled out.

Put it to work

No yield on RLUSD currently clears our vetting bar ($100M+ TVL, 1yr+ track record). Rates below that bar exist — see the yield hub for the unvetted list and why we separate them.

Alternatives worth knowing

Safer sibling
USDG +4 safety score
+2.0pp yield versus RLUSD, and less depth on some chains.
Earning sibling
USDC 79.4% APY built in
Safety score 88 vs 89 — the yield is compensation for that gap.

Spend it

No card in our directory spends RLUSD directly. Swapping into USDC or USDT first is the usual route — factor the swap cost in.

Compare every card

RLUSD in the news

Get alerted when RLUSD moves

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