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Ripple Begins Testing RLUSD Stablecoin on Ethereum Layer-2s With Native Multichain Transfers

A broader rollout is slated for 2026 pending New York regulatory approval.

Overview

  • The pilot spans Optimism, Base, Ink and Unichain using Wormhole’s Native Token Transfers to move RLUSD across chains without wrapped tokens.
  • RLUSD launched on Ethereum and the XRP Ledger and operates under a New York Department of Financial Services trust charter.
  • Ripple received conditional approval for a national trust bank charter from the OCC last week, advancing a potential dual state–federal oversight model.
  • Support for wXRP will let XRP holders use RLUSD alongside wrapped XRP for swaps, lending and payments on supported Layer-2 networks.
  • RLUSD’s market value is reported near $1.3 billion, with the L2 testing aimed at tapping faster, lower-cost ecosystems where on-chain activity concentrates.