The XRP Ledger (XRPL) has taken another major step forward in its evolution as a global settlement layer. With Ripple USD (RLUSD) support added to XRPL through Gemini, users and institutions now get near‑instant settlement and much lower transaction fees.
This development strengthens XRPL’s role in the broader digital economy and enhances the utility of regulated stablecoins on public blockchains.
Gemini’s Announcement and Its Significance
Gemini, the U.S.‑based cryptocurrency exchange, confirmed today that RLUSD is now fully compatible with the XRP Ledger. This means customers can deposit and withdraw RLUSD directly on XRPL, adding to its existing Ethereum support and strengthening the exchange’s multichain stablecoin strategy.
The move is designed to provide faster and cheaper settlement experiences for users of the Gemini platform.
We're adding support for RLUSD on the XRP Ledger (XRPL) Bringing near-instant settlement and lower fees. https://t.co/jPlRUej0q1 pic.twitter.com/UsSbMI8kR9
— Gemini (@Gemini) December 10, 2025
RLUSD is a regulated stablecoin pegged 1:1 to the U.S. dollar and backed by U.S. dollar deposits and cash equivalents. Since its launch in December 2024, the stablecoin has seen rapid adoption and has surpassed a $1 billion market cap.
Its multi‑chain design helps bridge liquidity between Ethereum and XRPL while catering to diverse use cases that demand both speed and compliance.
How XRPL Enhances Stablecoin Functionality
The XRP Ledger is renowned for processing transactions in seconds with ultra‑low fees, making it ideal for stablecoin settlement and high‑frequency transfers. RLUSD’s support on XRPL now allows users to settle transactions almost instantly and without the high costs associated with many other blockchains.
These characteristics are especially attractive for real‑world payment systems and cross‑border transfers.
Unlike some networks, XRPL requires a small reserve in XRP and the establishment of a trust line before an account can hold RLUSD. While this adds a step for users, it also embeds compliance and control features that appeal to regulated entities and financial institutions.
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Real‑World Payment Integration and Institutional Use
The RLUSD integration on XRPL comes amid broader industry collaborations that illustrate how stablecoins are reshaping payment infrastructure.
A pilot project involving Mastercard, Ripple, Gemini, and WebBank explores the use of RLUSD on XRPL for settling credit card transactions. This initiative aims to streamline traditional fiat settlement processes, reducing the multi‑day delays inherent in legacy systems.
The project uses RLUSD to settle transactions between Mastercard’s network and WebBank, the issuer of the Gemini credit card. If successful, this pilot could serve as a template for future blockchain‑based settlement solutions that integrate regulated stablecoins into real‑world payment rails.
Impacts on XRPL and the Crypto Ecosystem
The addition of RLUSD support on XRPL not only improves the user experience for stablecoin transfers but also deepens the network’s liquidity and token diversity. By enabling stablecoin settlement at low cost and high speed, XRPL becomes more attractive to developers, institutions, and payment service providers.
This development also enhances XRP’s position within the ecosystem. As RLUSD transactions increase, XRP’s native role in facilitating liquidity and optimal pathfinding on the ledger grows in importance. Together, RLUSD and XRPL’s features create a compelling environment for financial innovation that bridges traditional and decentralized finance.
Looking Forward
With Gemini’s support, RLUSD on XRPL sets a new standard for stablecoin settlement speed and affordability. The integration reflects a trend toward interoperable, compliant digital dollars across networks.
As more institutions seek efficient, blockchain‑enabled settlement options, XRPL’s unique capabilities and RLUSD’s regulatory foundation position them as key players in the future of digital finance.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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