Buy & Swap Ripple USD (RLUSD)

$1.00+0.00% (24h)ETH network

Ripple USD (RLUSD) can be swapped instantly on SwapRocket — no account, no KYC and zero added fees. Compare live RLUSD rates from every connected provider and receive funds in your own wallet in minutes.

Swap RLUSD instantly — no KYC

RLUSD / USD — 24H chart

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Live market data · extended history unavailable for this asset

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Ripple USD statistics

Market cap$1.76B

Fully diluted market cap—

24h volume$171.43M

Circulating supply1.76B RLUSD

Max supply∞

Total supply—

All-time high$0.00

Market dominance—

Rank—

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Non-custodial

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About Ripple USD (RLUSD)

Stablecoin

Ripple USD (RLUSD) is a stablecoin — a cryptocurrency designed to hold a steady value, typically pegged 1:1 to the US dollar. It lets you move value across crypto markets and wallets without the price swings of assets like Bitcoin or Ethereum.

How does RLUSD stay stable?

RLUSD aims to keep its dollar peg through reserves and on-chain mechanisms that back each token in circulation. Because it settles on the ETH network in seconds, it's widely used for trading, payments, and parking funds between trades without converting back to a bank account.

What is RLUSD used for?

Traders use RLUSD as a safe haven during volatility, as the quote currency in swaps, and to send dollar-denominated value worldwide at low cost. It's one of the most common assets to swap into and out of when entering or exiting other crypto positions.

How to buy or swap RLUSD on SwapRocket

Pick RLUSD as the asset you want to receive.
Choose which crypto you're paying with.
SwapRocket compares every connected exchange and surfaces the best rate.
Paste your wallet address and confirm — funds arrive in minutes.

Ripple USD (RLUSD) swap profile

This profile explains how Ripple USD swaps work on SwapRocket: the network RLUSD settles on, what an exchange costs, how long it usually takes, and which pairs are published. Rates are aggregated live from every connected provider and shown in full before you commit to anything.

RLUSD key facts

Ticker: RLUSD
Settlement network: ETH
Category: Stablecoin
Custody: Non-custodial — coins move from the provider straight to your wallet
Cost to you: Zero added fees; you see the provider rate
Verification: No KYC for crypto-to-crypto swaps
Typical completion: Most swaps finish in under 10 minutes
Rate options: Best rate, fastest route or fixed rate
Published pairs: 2 published RLUSD pairs

How a RLUSD swap works

Enter the amount you want to exchange, pick the asset on the other side, and SwapRocket queries every connected exchange partner at once. You choose an offer, paste the wallet address that should receive the funds, and send RLUSD to the deposit address shown. The partner executes the trade and pays out to your address — SwapRocket never holds your coins, and there is no account to create before you start.

Choosing a rate for RLUSD

Three offers are presented for every RLUSD exchange. The best rate returns the largest amount for the size you entered. The fastest route favours the partner with the shortest expected settlement time, which matters when the market is moving. The fixed rate locks the quoted amount for the duration of the order, so what you are shown is what arrives, at the cost of a slightly smaller payout. Floating offers can move with the market between deposit and settlement.

Networks and addresses for RLUSD

Ripple USD settles on ETH. Always send from and to an address on that network: a deposit sent over a different chain cannot be recovered by the exchange partner. When an asset exists on several chains, pick the matching network in the widget before copying the deposit address, and send a small test amount first if you are unsure.

Popular RLUSD pairs

Each pair below has its own page with a live quote, the current rate and the limits that apply to that route.

What is RLUSD? · Sourced guide · Updated 2026-09-24 · 8 sources cited

Ripple USD (RLUSD) is a dollar stablecoin from a regulated trust company that runs on both the XRP Ledger and Ethereum. How do its issuer, its reserves and its two very different ledger designs fit together?

A dollar stablecoin has to earn trust in two places at once. Off the chain, people need confidence that every token is backed and can be redeemed. On the chain, they need a token that works smoothly with wallets, exchanges and applications. Ripple USD approaches this with a regulated issuer that works with approved institutions, reserves described as backing tokens one for one, and native versions on two ledgers built in very different ways. This profile explains how those parts connect, using Ripple's own documentation and announcements.

A regulated issuer

Ripple's documentation states that RLUSD is issued and distributed by Standard Custody and Trust Company, a regulated Ripple subsidiary. Its direct customers are enterprise institutions that have passed identity and anti-money-laundering checks.

Ripple announced that RLUSD became available globally on December 17, 2024, after approval from the New York State Department of Financial Services under a limited-purpose trust charter.^{[1], [3]}

Backed one for one

Ripple's stablecoin page describes RLUSD as fully backed one for one and redeemable through Ripple's minting service. Institutions create new tokens by depositing dollars and redeem tokens for dollars through that channel.

Everyone else typically gets RLUSD from exchanges and applications, which is why a clear issuer and redemption path matter even to people who never deal with Ripple directly.^{[4], [1]}

Native on two ledgers

RLUSD is issued natively on the XRP Ledger and on Ethereum, and Ripple lists further availability on Base, Ink, Optimism, Unichain and the XRPL EVM Sidechain.

On the XRP Ledger, RLUSD is an issued currency: holders set a trust line to the issuer account before they can receive it. Ripple's XRPL guide explains how those trust lines work and lists the mainnet issuer.^{[2], [5]}

An upgradeable contract on Ethereum

On Ethereum, RLUSD uses a proxy design: one contract holds balances and the public address, while a separate implementation contract holds the logic. Ripple's developer guide tells integrators to use the proxy address.

This lets the issuer update the token's logic without asking holders to move to a new address, a common pattern for regulated stablecoins.^[6]

One official address list

Ripple publishes every official RLUSD address in one place. The XRP Ledger issuer is rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De, and the Ethereum proxy contract is 0x8292bb45bf1ee4d140127049757c2e0ff06317ed.

Checking addresses against that page is the simplest way to avoid imitation tokens that copy the name.^[7]

Why two ledgers help

The XRP Ledger and Ethereum serve different users. The XRP Ledger is built for fast, low-cost payments and has trust lines and a built-in exchange at its core. Ethereum has the largest range of lending, trading and payment applications that work with ERC-20 tokens.

By issuing natively on both, rather than relying on a bridge, Ripple lets each version of RLUSD fit naturally into its own ecosystem while the same regulated issuer stands behind both. Holders can choose the ledger that suits how they plan to use their dollars, and institutions can mint or redeem on either through the same service. The official address page keeps the two versions clearly separated.^{[2], [8], [4]}

Who controls contract upgrades

Ripple's documentation explains the upgradeable design, but the pages reviewed do not describe the exact administrative keys or multisignature setup that authorise upgrades or other controls.

Those details are UNKNOWN from public sources and are not guessed at here.^[6]

What this means when you hold or move RLUSD

SwapRocket lists RLUSD on Ethereum. Send it only to an Ethereum address from a wallet or service that supports ERC-20 tokens, keep a little ETH for network fees, and confirm the contract address on Ripple's official list.

XRP Ledger addresses and Ethereum addresses are not interchangeable, and RLUSD on the XRP Ledger needs a trust line. Match the network in your quote to what the receiving side supports, and keep the transaction ID until the order completes.

Sources and evidence (8)

[1] RLUSD is issued and distributed by Standard Custody and Trust Company, a regulated Ripple subsidiary, to KYC/AML-vetted enterprise institutions. Ripple Docs — RLUSD overview · verified 2026-09-24 Confirmed
[2] RLUSD is issued natively on the XRP Ledger and Ethereum and is also available on Base, Ink, Optimism, Unichain and the XRPL EVM Sidechain. Ripple Docs — RLUSD overview · verified 2026-09-24 Confirmed
[3] RLUSD launched globally on December 17, 2024, following NYDFS approval. Ripple — Ripple USD launches globally · verified 2026-09-24 Confirmed
[4] RLUSD is described as fully backed 1:1 and redeemable via Ripple's minting service. Ripple — Stablecoin · verified 2026-09-24 Confirmed
[5] On the XRP Ledger RLUSD is an issued token held through trust lines to the mainnet issuer. Ripple Docs — RLUSD on the XRPL · verified 2026-09-24 Confirmed
[6] RLUSD's ERC-20 uses a proxy-upgrade pattern; integrators use the proxy address. Ripple Docs — RLUSD on Ethereum · verified 2026-09-24 Confirmed
[7] Official addresses: XRPL issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De; Ethereum proxy 0x8292bb45bf1ee4d140127049757c2e0ff06317ed. Ripple Docs — Token addresses · verified 2026-09-24 Confirmed
[8] Ripple lists a separate RLUSD proxy address for Base, Ink, Optimism, Unichain and the XRPL EVM Sidechain. Ripple Docs — Token addresses · verified 2026-09-24 Confirmed

Profile last reviewed 2026-09-24. Historical background only — not investment advice.

Fees and pricing

Zero added fees: SwapRocket does not add a platform fee, a minimum or a withdrawal charge — the rate you see is the rate you get. Blockchain network fees are shown in full before you confirm, and the final amount you receive is quoted up front.

SwapRocket does not add a separate fee or markup to the provider quote. SwapRocket may earn a commission from the liquidity provider when a completed swap is referred through our platform. Provider spreads and applicable network costs are reflected in the quoted amount.

Network fees are set by the blockchain, not by SwapRocket. No account, no subscription and no withdrawal charge. Live support is available 24/7.

RLUSD swap FAQ

How do I swap Ripple USD (RLUSD) instantly on SwapRocket?

Pick RLUSD as the asset you want to receive, choose what you're paying with, paste your wallet address, and confirm. SwapRocket hands your order to the provider whose quote pays out the most at that moment, and most swaps complete in under 10 minutes — no SwapRocket account needed.

Can I swap RLUSD with no KYC?

No SwapRocket account or identity documents are needed to start a crypto-to-crypto swap of RLUSD. The provider that executes the swap may still request identity verification or hold a swap for review under its own AML and sanctions policy, regardless of amount. Selling to a bank account goes through a regulated payment partner that verifies the payer; card purchases on SwapRocket are coming soon.

Is swapping Ripple USD on SwapRocket non-custodial?

Yes. SwapRocket never holds your funds. The provider that executes the swap receives your deposit, holds it only for the duration of the swap, and sends RLUSD to the wallet address you provide.

Which network does RLUSD use here?

SwapRocket supports Ripple USD on the ETH network. Always double-check that your receiving wallet supports this network before confirming.

What fees apply when I swap RLUSD?

SwapRocket adds no fee or markup to the provider's quote and may earn a commission from the provider on a completed swap. The provider's spread and any network cost it deducts on delivery are already reflected in the RLUSD amount shown; the network fee your own wallet charges to send the deposit is separate. Spreads vary by provider, pair and size, so compare the quoted receive amount.

More on fees, limits, KYC and timing: read the full crypto swap FAQ.