RLUSD - The Stable Sentinel

RLUSD Logo

Launched in December 2024 by Ripple Labs, RLUSD is a USD-pegged stablecoin on XRP Ledger and Ethereum. Designed for enterprise payments, DeFi, and asset tokenization, it ensures stability as the Stable Sentinel of the Crypto Tower.

Core Technology: RLUSD Ecosystem

RLUSD leverages XRP Ledger and Ethereum for fast, compliant stablecoin transactions.

XRP Ledger (XRPL)

  • Uses Ripple Protocol Consensus Algorithm (RPCA), ~1,500 TPS, ~3–5s finality.
  • Low fees (~$0.0002) suit enterprise payments.

Ethereum Blockchain

  • Enables DeFi integration, ~30 TPS, ~12s finality.
  • Supports Ethereum’s dApp ecosystem.

USD Reserve

  • 1:1 USD backing with deposits, bonds, cash equivalents.
  • Monthly audits ensure transparency.

Cryptography

RLUSD secures transactions with blockchain cryptography.

  • Signatures: ECDSA (secp256k1) for XRPL and Ethereum.
  • Hashing: SHA-256 (XRPL), KECCAK-256 (Ethereum).
  • Addresses: r... (XRPL), 0x... (Ethereum).

Wallets

Wallets manage RLUSD for $CryptoWorld payments and DeFi.

  • Hot Wallets: Xaman, MetaMask for transactions.
  • Cold Wallets: Ledger, Trezor for storage.
  • Integration: Uphold, Bitso, Kraken, Ripple Payments.

Network Security

RLUSD leverages XRPL and Ethereum for $CryptoWorld security.

  • XRPL RPCA: Trusted validators, no hacks since 2012.
  • Ethereum PoS: ~500,000 validators, secure post-2022.
  • Audits: Monthly reserve checks ensure 1:1 backing.

Scalability

RLUSD scales via XRPL and Ethereum ecosystems.

  • Current: ~1,500 TPS (XRPL), ~30 TPS (Ethereum).
  • Future: XRPL EVM sidechain, Ethereum L2s (e.g., Optimism).
  • Low Fees: ~$0.0002 (XRPL), vs. ~$1–$10 (Ethereum).

Supply and Inflation

RLUSD’s supply is tied to USD reserves in $CryptoWorld.

  • Supply: ~293M RLUSD circulating (April 2025).
  • Backing: 1:1 USD reserves, no inflation.
  • XRP Synergy: Burns XRP via fees, reducing XRP supply.

Key Metrics (2025)

  • Throughput: ~1,500 TPS (XRPL), ~30 TPS (Ethereum).
  • Settlement Time: ~3–5s (XRPL), ~12s (Ethereum).
  • Fees: ~$0.0002 (XRPL), ~$1–$10 (Ethereum).
  • Supply: ~293M RLUSD circulating.
  • Market Cap: ~$293.64M, 11th largest stablecoin.
  • Volume: ~$37.8M daily, $10B+ since launch.

Real-World Applications

RLUSD powers enterprise use cases in $CryptoWorld:

  • Payments: Instant settlements via Ripple Payments.
  • DeFi: Staking, lending on XRPL, Ethereum.
  • Tokenization: Collateral for assets (e.g., securities).
  • Treasury: Liquidity for remittance, finance.

Advantages

  • Stability: 1:1 USD peg, audited reserves.
  • Speed: ~3–5s XRPL transactions vs. USDT/USDC.
  • Compliance: NYDFS approval, monthly audits.
  • XRP Synergy: Boosts XRP liquidity, burns XRP.

Challenges

  • Competition: USDT ($150B), USDC ($50B) dominate.
  • Ethereum Fees: ~$1–$10 vs. XRPL’s ~$0.0002.
  • Regulatory Risk: Ripple’s SEC lawsuit impacts perception.
  • Adoption: Needs broader exchange listings.

Alignment with “Stable Sentinel” Persona

RLUSD, the Stable Sentinel of $CryptoWorld, anchors value with a USD-pegged stablecoin on XRPL and Ethereum. Integrated with Ripple Payments, it declares, “I anchor wealth in trust—steady in the storm!”

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