What is RLUSD?
The merchant's guide to Ripple USD — a regulated, dollar-pegged stablecoin that makes accepting crypto as simple as accepting cash.
RLUSD at a Glance
Full NameRipple USD (RLUSD)
IssuerRipple Labs Inc.
Peg1:1 to US Dollar
VolatilityZero
NetworkXRP Ledger (native)
Settlement3–5 seconds
BackingUSD deposits, US Treasuries, cash equivalents
RegulationAudited reserves, regulatory-first
RLUSD vs XRP
Both live on the XRP Ledger but serve different purposes:
ℹ
For most merchants, RLUSD is the best payment currency. Zero volatility + simple taxes.
How RLUSD Works on XRPay
1
Customer checks out
They see the order total in USD and choose RLUSD.
2
QR code generated
A $49.99 order costs exactly 49.99 RLUSD. No conversion.
3
Customer scans & signs
They scan the QR with Xaman, Bifrost, etc.
4
Settled in 3–5 seconds
Funds arrive in your wallet. Dashboard updates instantly.
Setting Up for RLUSD
Your XRPL wallet needs a trustline — a one-time config to hold RLUSD tokens.
- 1Open your XRPL wallet (Xaman, GemWallet, etc.)
- 2Go to trustline or token settings
- 3Add a trustline for RLUSD with the Ripple-issued currency code
- 4Confirm (costs 2 XRP owner reserve — refundable if removed)
- 5XRPay auto-detects your trustline and enables RLUSD payments
Why Merchants Choose RLUSD
Zero Volatility
100 RLUSD today = $100 tomorrow. Always.
Instant Settlement
3–5 seconds. Faster than any card network.
Simpler Taxes
No gain/loss calculations. 1 RLUSD = $1.00.
Zero Chargebacks
Irreversible once confirmed on the XRPL.
Fractions of a Cent
~0.00001 XRP network fee per transaction.
Global by Default
Any XRPL wallet user worldwide can pay you.