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Stablecoins on the XRP Ledger

The XRPL hosts multiple fiat-backed stablecoins from regulated issuers. Trade, hold, and provide liquidity with dollar and euro-pegged tokens — all on-chain with 3-5 second settlement.

Major XRPL Stablecoins

StablecoinIssuerPegBacking
RLUSDRippleUSD1:1 cash + US Treasuries
USD (Bitstamp)BitstampUSDFiat reserves
USD (GateHub)GateHubUSDFiat reserves
EUR (Bitstamp)BitstampEURFiat reserves
EUR (GateHub)GateHubEURFiat reserves
GBP (GateHub)GateHubGBPFiat reserves

RLUSD: Ripple's Flagship Stablecoin

RLUSD is Ripple's USD-pegged stablecoin, backed 1:1 by cash deposits, US government Treasuries, and cash equivalents. It is issued on both the XRP Ledger and Ethereum, with monthly attestation reports published for transparency.

RLUSD has quickly become one of the most liquid stablecoins on the XRPL, with deep AMM pools and active CLOB order books. See the full RLUSD trading guide for details.

Gateway-Issued Stablecoins

Before RLUSD, the XRPL stablecoin ecosystem was built by gateways — regulated entities that issue fiat-backed IOUs on the ledger. Bitstamp and GateHub are the two largest, offering USD, EUR, and GBP tokens.

These tokens are fully redeemable through their respective platforms. To hold them, you need a trustline to the specific issuer. Different issuers of the same currency (e.g., USD from Bitstamp vs USD from GateHub) are separate tokens with their own markets.

Why Use Stablecoins on XRPL?

  • Park profits — exit volatile positions into stable value without leaving the DEX
  • Earn yield — provide liquidity in stablecoin AMM pools (e.g., RLUSD/XRP) with lower impermanent loss risk than volatile pairs
  • Cross-border transfers — send USD or EUR globally in 3-5 seconds for ~$0.00002
  • Trading base pair — use stablecoins as your quote currency for cleaner PnL tracking
  • DeFi building block — stablecoins serve as collateral for lending, payments, and institutional use cases

How to Get Stablecoins

  • Swap on the DEX — trade XRP or any token for stablecoins on XRPL.to
  • Deposit via gateway — send fiat to Bitstamp or GateHub and receive XRPL stablecoin tokens directly
  • Buy RLUSD — available on Bitstamp, Uphold, MoonPay, and directly on the XRPL DEX

Stablecoin Safety

Only trust stablecoins from verified, regulated issuers with transparent reserves
Check the issuer address carefully — scammers create fake tokens with similar names
Gateway tokens carry counterparty risk — the issuer must honor redemptions
RLUSD is the most audited XRPL stablecoin with monthly reserve attestation reports

Start Trading Stablecoins

Swap into stablecoins, provide liquidity, or use them as your trading base.

Swap Tokens RLUSD GuideAMM PoolsSwap to RLUSD