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Stablecoin

What is RLUSD?

How merchants configure a trustline, accept direct RLUSD payments, and review the issuer and network used by the transaction.

RLUSD at a Glance

Full NameRipple USD (RLUSD)
Asset typeIssued stablecoin
Target valueOne US dollar
Price riskCan vary with market and issuer conditions
XRPay networkXRP Ledger
Direct confirmationTypically 3–5 seconds
Wallet setupRLUSD trustline required
Review before useIssuer, reserves, liquidity, and terms

RLUSD vs XRP

Both live on the XRP Ledger but serve different purposes:

RLUSDXRP
TypeIssued stablecoinNative XRPL asset
Target priceOne US dollarMarket price
Issuer riskYesNo token issuer
TrustlineRequiredNot needed
XRPay usePayments and settlementPayments, fees, and conversion
AccountingConfirm local treatmentConfirm local treatment
Choose a settlement asset based on your pricing, liquidity, accounting, and payout needs. XRPay does not provide tax or investment advice.

How RLUSD Works on XRPay

1

Customer checks out

They see the order total in USD and choose RLUSD.

2

Payment request generated

The checkout shows the requested RLUSD amount, destination, and transaction details.

3

Customer scans & signs

They scan the QR with Xaman, Bifrost, etc.

4

Confirmed on XRPL

Direct RLUSD payments typically confirm in 3–5 seconds, after which XRPay updates the payment record.

Setting Up for RLUSD

Your XRPL wallet needs a trustline — a one-time config to hold RLUSD tokens.

  1. 1Open your XRPL wallet (Xaman, GemWallet, etc.)
  2. 2Go to trustline or token settings
  3. 3Add a trustline for RLUSD with the Ripple-issued currency code
  4. 4Confirm (costs 2 XRP owner reserve — refundable if removed)
  5. 5XRPay auto-detects your trustline and enables RLUSD payments

Why Merchants Choose RLUSD

Dollar-Denominated Amounts

Price an order in a unit designed to track one US dollar.

Direct XRPL Confirmation

Direct RLUSD payments typically confirm in 3–5 seconds.

Separate Accounting Record

XRPay records the fiat order amount, RLUSD amount, and transaction hash for export.

No Card-Network Chargeback

A confirmed direct RLUSD transfer does not use the card-network chargeback process.

Ledger-Calculated Network Cost

The wallet shows the current XRP Ledger transaction cost before signing.

Wallet Compatibility

The customer needs an XRPL wallet configured to hold and send the correct RLUSD issue.

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