Ripple’s RLUSD Hits $1.26B: Third-Largest U.S.-Regulated Stablecoin Ready for GENIUS Act

4 weeks ago 12

Sam Daodu

Sun, December 14, 2025 astatine 12:22 PM CST 7 min read

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RLUSD reached $1.26B marketplace headdress successful nether a twelvemonth to go the third-largest U.S.-regulated stablecoin.
The stablecoin’s proviso jumped 28% successful November unsocial driven by speech listings and organization pilots.
RLUSD transactions connected XRP Ledger pain XRP arsenic web fees, creating a deflationary nexus betwixt stablecoin maturation and XRP supply.
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Ripple's USD-backed stablecoin, RLUSD, has deed a $1.26 cardinal marketplace headdress successful little than a year. That makes it the third-largest among U.S.-regulated stablecoins positioned for GENIUS Act compliance erstwhile the national model takes effect successful 2027.

RLUSD launched successful December 2024 arsenic an enterprise-grade, dollar-pegged token afloat backed 1:1 by currency and short-term U.S. Treasuries. It runs connected some the XRP Ledger and Ethereum, giving it entree to accelerated cross-border payments and heavy DeFi liquidity.

The stablecoin's circulating proviso jumped 28% successful November unsocial to scope the billion-dollar mark. It present sits down lone USDC and PayPal's PYUSD among U.S.-regulated dollar tokens. Strategic speech listings, organization pilots with large fiscal players, and dual-chain architecture drove the climb.

Here's however RLUSD reached $1.26 billion, wherefore its regulatory positioning matters, and what this means for XRP (CRYPTO: XRP).

Ripple USD launched successful December 2024 arsenic an endeavor stablecoin issued by Standard Custody & Trust Company, a Ripple subsidiary operating nether a New York spot charter. The NYDFS licence subjects RLUSD to 1 of the world's strictest regulatory regimes. Each token is backed 1:1 by currency and short-term U.S. Treasuries held successful segregated accounts, and Ripple publishes monthly reserve attestations to support transparency.

This regulatory instauration drove accelerated adoption successful 2025. By aboriginal November, RLUSD crossed $1 cardinal successful marketplace cap. The stablecoin past climbed from astir $960 cardinal astatine the commencement of November to $1.26 cardinal by aboriginal December—the 30% monthly leap pushed RLUSD into the apical tier globally.

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RLUSD reached the $1.26 cardinal milestone arsenic a effect of Ripple’s strategical integrations and organization adoption. Here are the 3 cardinal drivers of RLUSD’s growth.

U.S.-regulated crypto platforms embraced RLUSD quickly. Gemini made RLUSD a basal currency for trading and waived fees connected RLUSD/USD pairs. The speech called it an "industry-leading" stablecoin backed by harmless assets.