NYDFS-regulated dollar token from Ripple, fully reserved in Treasuries, cash deposits and money market funds.
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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.
Cheapest route: Kraken — you receive about $997 of RLUSD from $1,000 (0.30% all-in, delivered on Solana).
| Venue | 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 Fee accurate? | Buy on Kraken | |
| On-ramp | 0.99% | 0.90% | direct to wallet | $19 1.89% | $981 | 2026-08-11 Fee accurate? | Buy on Transak | |
| On-ramp | 1.00% + $4 | 1.00% | direct to wallet | $24 2.40% | $976 | 2026-08-11 Fee accurate? | Buy on MoonPay | |
| On-ramp | 1.50% | 1.20% | direct to wallet | $27 2.70% | $973 | 2026-07-28 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.
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
- Earning siblingUSDE 44.7% APY built in
Safety score 74 vs 91 — 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 cardSupply history
Safety score: 91/100 — Robust
- 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%)96
Live deviation from $1.00 plus the worst historical depeg on record. A single deep depeg keeps weighing on the score.
- Liquidity depth (20%)88
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
- —
Contracts
Always verify the contract — fake versions of every major dollar token exist.
Got an address from someone? Check it against the registry.