How to accept RLUSD (Ripple USD) payments and send RLUSD invoices

RLUSD (Ripple USD) is a USD-backed stablecoin issued on the XRP Ledger (and Ethereum). Since it settles on the XRPL, payments are quick, fees are a fraction of a cent, and every transfer is final, no chargebacks. So you can bill clients in a steady, dollar-pegged asset without giving up the ledger's speed or low cost.

Why invoice in RLUSD?

• Dollar-stable. Your invoice is denominated in a 1:1 USD-pegged token, so neither you nor your customer is exposed to crypto swings between sending and paying.
• Cheap & fast. XRP Ledger settlement usually lands in 3 to 5 seconds with sub-cent fees.
• Final. Once it's paid, it's paid, no card-style reversals or chargebacks.
• Self-custody. Funds arrive at an address you control; you're never waiting on a custodian to hand over your money.

How RLUSD payments work on the XRP Ledger

RLUSD is an issued token, so any wallet that wants to hold it first needs a trust line to the official RLUSD issuer. With Brionic you add that trust line once on your receiving wallet, and from then on every RLUSD invoice is matched to its payment automatically using a unique destination tag, the same trick the XRP Ledger uses for XRP itself.

Accepting RLUSD with Brionic, step by step

1. Create an account. Sign up free, it's passwordless (passkeys or a one-time email link).
2. Add the RLUSD trust line to your receiving wallet (a one-time step, ~0.2 XRP reserve). Your wallet can then hold RLUSD.
3. Create an invoice in RLUSD (or in dollars, auto-converted at 1:1).
4. Share the hosted pay page. Your customer scans a QR with any XRPL wallet that supports RLUSD; the destination tag is included for them.
5. Get reconciled. The instant the payment confirms on-chain, the invoice flips to paid, the funds are in your own wallet, and a receipt goes out.

What your customer needs

Your customer pays from any XRP Ledger wallet that holds RLUSD, Xaman, say, or an exchange that supports RLUSD withdrawals on the XRPL. They scan the QR on your pay page, check the amount and destination tag, and send. Nothing to install, no account to create.

Fees

Brionic runs on a plain flat monthly subscription, plans start at $1/month and scale with how many transactions you process. There is no percentage cut, no setup fee, and none of the ~3% card surcharge. You keep 100% of every payment; the XRP Ledger fee on top is a fraction of a cent.

Create your account and send your first RLUSD invoice, or dig into the developer docs to automate it through the API.