Latest Ripple USD (RLUSD) News Update

Deep Dive

1. ETF Anticipation Fuels Rally (10 November 2025)

Overview: RLUSD surged 10% on November 10 as investors priced in imminent spot XRP ETF approvals by firms like Canary, Bitwise, and Franklin Templeton. RLUSD’s transaction volume hit $4.2B over 30 days, with assets surpassing $1.1B. Analysts link this to Ripple’s partnership with Gemini and Mastercard, which could accelerate institutional inflows.
What this means: ETF approval would unlock U.S. institutional demand, likely expanding RLUSD’s liquidity and stabilizing its peg. However, SEC delays or rejections could reverse gains. (Crypto.News)

2. Mastercard Pilot Goes Live (10 November 2025)

Overview: Ripple, Mastercard, and Gemini launched a blockchain-based settlement pilot using RLUSD for credit card transactions. The system replaces traditional 1–3-day settlements with instant processing on the XRP Ledger. RLUSD’s circulation crossed $1B in under 10 months, with 100M+ ledgers processed.
What this means: This integration validates RLUSD’s utility in regulated finance, potentially scaling to millions of daily transactions. Success could position RLUSD as a bridge between crypto and traditional payment rails. (CoinMarketCap)

3. Fed “Skinny Accounts” Proposal (10 November 2025)

Overview: Federal Reserve Governor Christopher Waller proposed granting crypto firms access to Fed payment rails, which Ripple’s legal chief Stu Alderoty called a “game changer.” RLUSD’s application for a Fed master account could streamline reserve management and redemption processes.
What this means: Direct Fed access would enhance RLUSD’s transparency and efficiency, challenging Tether and USDC. However, political shifts (e.g., Fed leadership changes) could delay implementation. (Yahoo Finance)

Conclusion

RLUSD’s trifecta of ETF speculation, real-world utility, and regulatory tailwinds underscores its push into mainstream finance. While bullish, its trajectory hinges on SEC decisions and Fed policy shifts. Will RLUSD’s compliance-first design outpace rivals if ETFs go live?

Deep Dive

1. @KuwlShow: RLUSD’s $6T Treasury Yield Thesis Bullish

“If RLUSD captures 10% of a projected $3 quadrillion tokenized market, custodial yields could hit $12T annually… mechanically implying XRP at ~$6,000.”
– @KuwlShow (64K followers · 19.7K likes · 2025-09-28 20:01 UTC)
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What this means: This projects RLUSD as infrastructure for institutional DeFi, where scale drives revenue – bullish for Ripple’s ecosystem moat.

2. @realMaxAvery: BlackRock’s BUIDL Adopts RLUSD Bullish

“RLUSD becomes redemption mechanism for BlackRock/VanEck tokenized funds – channeling trillions through XRPL’s rails.”
– @realMaxAvery (27.5K followers · 66.9K likes · 2025-09-27 21:00 UTC)
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What this means: Real-world asset (RWA) integrations validate RLUSD’s compliance stack, potentially funneling institutional liquidity.

3. @Bybit_ZH: RLUSD’s Asian Liquidity Surge Neutral

“RLUSD listed on Bybit with BTC/ETH/XRP pairs – trading volume up 75% post-launch.”
– @Bybit_ZH (53.3K followers · 1.3K likes · 2025-09-22 14:00 UTC)
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What this means: Exchange support broadens accessibility, though RLUSD’s $975M daily volume remains dwarfed by USDT’s $58B.

4. @RipBullWinkle: Supply Growth vs. XRP Dynamics Mixed

“RLUSD market cap up 18% in 30 days to ~$800M – but XRP burns remain negligible at current usage.”
– @RipBullWinkle (127K followers · 31.5K likes · 2025-09-04 16:40 UTC)
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What this means: While RLUSD adoption grows, deflationary pressure on XRP remains theoretical without mass transaction scaling.

Conclusion

The consensus on RLUSD leans bullish, driven by regulatory tailwinds (GENIUS Act compliance) and institutional tokenization deals. However, skeptics note its $1B market cap remains niche versus USDT/USDC. Watch the SEC’s decision on XRP ETFs (pending Nov 15) – approval could supercharge RLUSD’s role as a compliant settlement layer. For now, RLUSD’s ascent hinges on converting policy wins into measurable on-chain activity.

Deep Dive

1. EVM Sidechain Integration (4 July 2025)

Overview: The XRP Ledger (XRPL) launched an Ethereum Virtual Machine (EVM) sidechain, enabling developers to deploy Ethereum-compatible dApps while using XRP as gas.

This update allows RLUSD to interact with EVM-based DeFi protocols, enhancing liquidity and utility. Developers can now build cross-chain applications that leverage RLUSD’s stability and XRPL’s 1,500 TPS speed.

What this means: This is bullish for RLUSD because it broadens developer adoption and positions RLUSD as a liquidity backbone for institutional DeFi. (Source)

2. Clawback Functionality (27 September 2025)

Overview: RLUSD introduced clawback mechanisms, letting issuers freeze tokens in cases of fraud or regulatory action.

The feature targets institutional users needing compliance with regulations like the GENIUS Act. Reserves remain segregated at BNY Mellon, ensuring stability.

What this means: This is neutral for RLUSD—it strengthens institutional trust but introduces centralization trade-offs. (Source)

3. Multi-Chain Expansion (28 September 2025)

Overview: RLUSD’s Ethereum deployment uses UUPS (Universal Upgradeable Proxy Standard) smart contracts, enabling seamless upgrades without disrupting user addresses.

This ensures backward compatibility and adaptability to future regulatory or technical requirements.

What this means: This is bullish for RLUSD because it future-proofs the stablecoin for cross-chain interoperability and regulatory agility. (Source)

Conclusion

RLUSD’s codebase advances prioritize compliance (clawback), interoperability (EVM sidechain), and upgradeability (UUPS). These updates align with Ripple’s vision to bridge traditional finance and blockchain. How will RLUSD’s technical rigor translate into real-world adoption against rivals like USDC?

Deep Dive

1. EVM Sidechain Expansion (Q4 2025)

Overview: The XRP Ledger’s new Ethereum Virtual Machine (EVM) sidechain, launched in September 2025, allows developers to deploy Ethereum dApps on XRPL. This upgrade aims to attract DeFi builders by combining XRPL’s 3-second settlement and RLUSD’s liquidity (Max Avery).
What this means: Bullish for RLUSD because it could accelerate DeFi adoption, increasing demand for RLUSD as collateral. However, competition from established stablecoins on Ethereum may pressure adoption rates.

2. Tokenized Asset Integration (Q1 2026)

Overview: RLUSD will enable 24/7 redemptions for BlackRock’s BUIDL and VanEck’s VBILL tokenized funds via a Securitize partnership. This positions RLUSD as a liquidity bridge for institutional RWAs (WKahneman).
What this means: Bullish for RLUSD’s utility, as trillions in tokenized assets could flow through its rails. Risks include regulatory delays in RWA tokenization frameworks.

3. Multi-Chain Deployment (2026)

Overview: Ripple’s whitepaper outlines plans for “multi-chain native issuance” beyond XRPL and Ethereum, with Cardano and others under discussion (Whitepaper).
What this means: Neutral-to-bullish, as broader chain support could improve RLUSD’s liquidity but requires seamless cross-chain interoperability. Execution risks include fragmented liquidity if adoption lags.

Conclusion

RLUSD’s roadmap prioritizes infrastructure for institutional DeFi and compliance-driven growth, leveraging partnerships and multi-chain flexibility. Key milestones hinge on regulatory tailwinds (e.g., GENIUS Act) and XRPL’s EVM adoption. Will RLUSD’s compliance-first design outpace USDT/USDC in regulated markets?