What is RLUSD?
The merchant's guide to Ripple USD — a regulated, dollar-pegged stablecoin that makes accepting crypto as simple as accepting cash.
RLUSD at a Glance
RLUSD vs XRP
Both live on the XRP Ledger but serve different purposes:
How RLUSD Works on XRPay
Customer checks out
They see the order total in USD and choose RLUSD.
QR code generated
A $49.99 order costs exactly 49.99 RLUSD. No conversion.
Customer scans & signs
They scan the QR with Xaman, Bifrost, etc.
Settled in 3–5 seconds
Funds arrive in your wallet. Dashboard updates instantly.
Just-in-Time Liquidity (JIT-LP)
Because RLUSD is a highly liquid stablecoin pegged 1:1 to the US Dollar, it forms the bedrock of our payment architecture.
By default, XRPay enables the Just-in-Time Liquidity Provisioning (JIT-LP) engine for all merchants. During peak checkout hours, your idle RLUSD settlement balances are automatically deployed to the native XRPL `XRP/RLUSD` AMM pool. This provides deep liquidity for buyers checking out, and generates swap fees that are shared with you—fully offsetting off-ramp costs and enabling our signature 0% processing fee.
Setting Up for RLUSD
Your XRPL wallet needs a trustline — a one-time config to hold RLUSD tokens.
- 1Open your XRPL wallet (Xaman, GemWallet, etc.)
- 2Go to trustline or token settings
- 3Add a trustline for RLUSD with the Ripple-issued currency code
- 4Confirm (costs 2 XRP owner reserve — refundable if removed)
- 5XRPay auto-detects your trustline and enables RLUSD payments
Why Merchants Choose RLUSD
Zero Volatility
100 RLUSD today = $100 tomorrow. Always.
Instant Settlement
3–5 seconds. Faster than any card network.
Simpler Taxes
No gain/loss calculations. 1 RLUSD = $1.00.
Zero Chargebacks
Irreversible once confirmed on the XRPL.
Fractions of a Cent
~0.00001 XRP network fee per transaction.
Global by Default
Any XRPL wallet user worldwide can pay you.