Why accept RLUSD? The case for Ripple's stablecoin vs other stablecoins

RLUSD (Ripple USD) is Ripple's US-dollar stablecoin, native to the XRP Ledger (and also on Ethereum). It marries dollar stability with the XRPL's speed and rock-bottom cost, and because it's a newer, regulated-first stablecoin, offering it can quietly set you apart.

Why invoice in RLUSD?

• It's dollar-stable. RLUSD tracks the US dollar 1:1, so your invoice amount doesn't ride the crypto market.
• It's issued under oversight. RLUSD is issued under the supervision of the New York State Department of Financial Services (NYDFS), backed by US dollar deposits, government bonds, and cash equivalents, with regular third-party attestations.
• It's fast and cheap. On the XRP Ledger, RLUSD settles in about 3 to 5 seconds for a fraction of a cent and reconciles on its own via a destination tag.
• It stands out. Few invoicing tools take RLUSD yet, and it gives XRP Ledger customers a native way to pay in dollars.

RLUSD vs USDC

Both are transparent US-dollar stablecoins backed by cash and short-dated government securities. The real difference is the network: RLUSD is native to the XRP Ledger, while Brionic takes USDC on Stellar. If your customers already live in the XRP Ledger world (or you accept XRP), RLUSD lets them pay in dollars on the same rails, nothing to bridge. The full USDC vs RLUSD comparison goes deeper.

RLUSD vs USDT and others

RLUSD is younger than incumbents like USDT, but it launched regulated-first, with NYDFS oversight and published attestations. For businesses that care about the compliance posture of the dollars landing in their account, that counts for a lot. As with any newer asset, wallet and exchange support is still filling in, though it's spreading fast across the XRPL.

RLUSD vs volatile crypto

Next to XRP or XLM, RLUSD takes price risk out of the picture: a $1,000 RLUSD invoice is $1,000 at send and at payment, while keeping the XRP Ledger's speed, low fees, and final settlement.

Get paid in RLUSD

Read the step-by-step guide on accepting RLUSD payments, or create your account and send your first RLUSD invoice. Flat monthly pricing, and every payment is yours to keep.