Profile
RLUSD profile facts
Ripple USD (RLUSD) static profile: governance model Centralized (CeFi); backing model Real-World Asset Backed; peg US Dollar.
- Collateral
- U.S. dollar deposits, cash equivalents, and short-term U.S. government Treasuries held in segregated accounts
- Peg mechanism
- Direct 1:1 redemption through Ripple
- Jurisdiction
- United States / NYDFS / Trust Charter
- Proof of reserves
- Independent Audit by Deloitte & Touche LLP Reserve source
- Contracts
- 6 deployments tracked across Ethereum, XRP Ledger, Base, and Optimism, plus 2 more.
Source: Pharos registry profile fields. Live price, supply, reserve, liquidity, event, and safety data load in the interactive dossier on this page.
RLUSD quick answers
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What is Ripple USD (RLUSD)?
RLUSD is Ripple's NYDFS-chartered dollar stablecoin redeemable 1:1 and backed by USD deposits, cash equivalents, and short-term U.S. Treasuries. The static profile records its US Dollar peg mechanism as: Direct 1:1 redemption through Ripple.
Is RLUSD safe?
As of Oct 25, 2026, Pharos grades RLUSD A (84/100) on its Safety Score. Pharos's reviews record that the issuer or an admin can freeze individual holders' balances, and direct redemption is limited to customers the issuer has verified. That grade is in the Score's upper band, which does not rule out losses. The grade moves as reserve, redemption, peg and control evidence changes; the live Safety Score on this page shows the current reading.
What backs RLUSD?
Pharos records RLUSD's reserves as of Aug 31, 2026 as 63.6% U.S. Treasury bills, 19.1% Government money-market funds, and 17.2% Cash and deposit accounts. Reserve evidence: Independent Audit by Deloitte & Touche LLP, latest period ending Aug 31, 2026. Pharos classifies the backing as Real-World Asset Backed.
Can RLUSD be frozen or blacklisted?
Based on tracked contract metadata and blacklist coverage, issuer or admin freeze controls are recorded. Live freeze and blacklist events for RLUSD, when applicable, appear in the live dossier on this page.
How do you redeem RLUSD?
Under the route Pharos reviewed on Oct 7, 2026, customers the issuer has verified can redeem RLUSD for a single stable asset, such as cash or a stablecoin. Settlement is same-day. The reviewed terms charge no percentage redemption fee. Whether a given holder qualifies is set by the route's own terms, not by this summary.
