- RLUSD crosses $1B market cap, setting new stablecoin records.
- Ripple’s bank charter boosts RLUSD’s compliance and institutional trust.
- RLUSD expands globally with Dubai, Abu Dhabi approvals and L2s.
The RLUSD stablecoin has quickly cemented its place among the top five USD stablecoins, achieving remarkable growth within just one year. According to Jack McDonald, the project reached a significant $1 billion market cap in November 2025, marking one of the fastest ascensions in the regulated stablecoin sector. This milestone underscores the growing demand for trusted and compliant financial solutions.
One of the key factors driving RLUSD’s success is its commitment to compliance. The Office of the Comptroller of the Currency (OCC) has granted Ripple’s national trust bank charter, combining federal oversight with its existing New York Department of Financial Services (NYDFS) license. This dual regulatory framework has set RLUSD apart, establishing it as a gold standard for enterprise-grade stablecoins.
Strengthening Institutional Trust and Expanding Utility
Further reinforcing RLUSD’s institutional appeal, the stablecoin has partnered with global financial giant BNY Mellon, which now handles its reserve custody. The partnership brings added credibility and transparency to the project, with Deloitte providing regular attestations of RLUSD’s reserves. This move strengthens the trust RLUSD has built with institutional investors and reinforces its position as a stable and secure digital asset.
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Additionally, RLUSD has expanded its reach by bridging real-world assets (RWAs). The stablecoin serves as an off-ramp for tokenized funds from major institutions like BlackRock and VanEck through Securitize, enhancing its utility in institutional markets. Furthermore, collaborations with DBS Bank and FTI Global enable repo trades for a tokenized money market fund using RLUSD, highlighting its growing role in capital markets.
Expanding Globally and Interoperability Across Networks
RLUSD’s global recognition is also growing. The stablecoin has secured regulatory approvals in major financial hubs like Dubai and Abu Dhabi, enhancing its international footprint. This expansion demonstrates RLUSD’s ability to operate across jurisdictions, making it an attractive option for global institutions looking to leverage stablecoins for cross-border transactions.
To ensure interoperability and access to more liquidity, RLUSD is expanding to Layer 2 (L2) networks such as Optimism, Base, Ink, and Unichain. These integrations, facilitated by the Wormhole network’s NTT standard, open up new liquidity channels, especially for XRP (wXRP) across a wider ecosystem.
The year 2025 has been transformative for RLUSD. The project’s rapid rise is a testament to the increasing demand for trusted, compliant, and institutional-grade stablecoins. As the stablecoin market continues to grow, RLUSD’s role in shaping its future seems more significant than ever.
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