RLUSD Becomes First U.S. Trust-Regulated Stablecoin on Optimism and Base

• RLUSD is moving to major Layer 2 networks using Wormhole’s NTT standard for native transfers.
• It will be the first U.S.-based, trust-regulated stablecoin on Optimism, Base, Ink, and Unichain.
• The expansion strengthens liquidity for XRP through wrapped XRP pairs across multiple chains.

Ripple is pushing RLUSD deeper into the on-chain economy as it prepares the stablecoin for a wider role across decentralized finance and institutional use. 

According to Ripple’s latest report on its multichain strategy, RLUSD is set to expand beyond its initial launch on the XRP Ledger and Ethereum by entering key Layer 2 networks. 

Testing is starting on Optimism, Base, Ink, and Unichain, using Wormhole’s Native Token Transfers standard to allow secure and native movement of liquidity between chains.

This step comes ahead of RLUSD’s planned broader release next year, subject to regulatory approval. Ripple’s goal is clear. 

Stablecoins need to exist wherever users and businesses operate, especially as Layer 2 networks continue to attract activity due to lower fees and faster settlement. 

By entering these environments early, RLUSD positions itself as a compliant option for real-world financial use while supporting the growing on-chain economy.

Also Read: Ripple Pushes RLUSD to Layer 2, Advancing a Regulated Multichain Strategy

RLUSD Moves Into Layer 2 Ecosystems

RLUSD was designed to operate on various networks from inception. Ripple is now extending its approach to Layer 2 scaling solutions on Ethereum after it launched RLUSD on both XRPL and Ethereum. Networks accessible via gateways are Base, Ink, and Unichain, facilitated by Optimism.

The use of the Wormhole NTT standard enables the RLUSD to remain outstanding natively and migrate seamlessly across chains, helping the Ripple company have more control over the supply and security.

According to Jack McDonald, senior vice president of stablecoins at Ripple, RLUSD is intended to be a trustworthy gateway to and from the digital asset world. It combines regulation with fast on-chain actions.

In becoming the first trusted, regulated stablecoin on these L2 platforms that is U.S.-based, it sets the bar at a time when adherence is becoming more important to utilize it.

Regulation, XRP Utility, and What Comes Next

A New York Department of Financial Services Limited Purpose Trust Company, meaning that it is supervised much like a bank, is the trust company under which RLUSD operates.

Ripple has applied for an OCC charter, giving it an additional level of supervision. Internationally, Ripple has over 75 licenses and has recently received recognition for RLUSD in Dubai and Abu Dhabi.

In addition to the regulation-related factors, this helps XRP. Ripple is aligning the utility of RLUSD with the need for wXRP on the respective networks.

The release of wXRP by Hex Trust allows XRP holders to pair with RLUSD for trading, payment, or any other DeFi purpose on the given networks.

Also Read: XRP Targets $10 as AMINA Bank Integrates Ripple Payment System in Europe