Ripple USD (RLUSD) is a US dollar stablecoin issued by Ripple under NYDFS supervision, backed 1:1 by USD and cash equivalents in segregated reserves with regular audits. On U.CASH you can accept RLUSD payments, swap it non-custodially, buy it with card or bank, and hold it in your own wallet.
Straight into the app: Swap RLUSD · Buy RLUSD · Sell RLUSD · Get UCASH with RLUSD
ERC-20 on Ethereum (issuer: Standard Custody, Ripple). Settlement on U.CASH is non-custodial: every payment moves on-chain, direct to a wallet you control. Confirmation policy for Ripple USD: Follows Ethereum (~12 confirmations).
A single U Account works across accept, swap, and buy. Pick where to start.
Take RLUSD in checkout alongside cards on 35 networks. White-label, non-custodial, live in minutes.
Trade RLUSD for any asset across the network, routed for the best price.
Get RLUSD with any asset you hold, one step, settled to your wallet.
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Two things and you are ready. A wallet that can hold Ripple USD and a little RLUSD for gas on its chain, and the receiving address you want the output delivered to, which can be a raw address or a web3 name where the wallet resolves one. The preview shows the full picture before anything is signed: what leaves, what arrives, the fee, and the network cost. Nothing in the flow asks you to hand over keys; the wallet stays yours and signs only what you approved on screen.
Count the costs on one hand. On the platform side a flat 0.50% covers the swap, all-in, stated in the quote with no spread or routing cut behind the number. On the network side, gas in RLUSD, settling with settles with Ethereum blocks on ERC-20 on Ethereum (issuer: Standard Custody, Ripple), shown per leg before signature. Settlement runs on-chain to your chosen address at this asset's policy, Follows Ethereum (~12 confirmations), and from confirmation onward the balance answers to your keys alone, spendable, sendable, and settled with no platform anywhere in the path.
Execution runs through the aggregated DEX route, which means the number you approved is the number that happens or the transaction reverts: swaps are atomic, with no half-settled state to unwind and no exposure window between legs. If a route cannot fill at your approved bounds it fails cleanly and you re-quote, which is the failure mode you want, cheap and loud rather than silent and expensive.
Tokenized assets price from their issuer's own feed rather than a crypto market, so the quote tracks the underlying's session, and transfer eligibility follows the issuer's on-chain rules: the contract enforces them at settlement, which is why the checkout asks buyers to confirm eligibility once. These assets are not card-buyable; acquisition runs through the swap rail, and the fee structure above applies unchanged. What the wrapper adds is exposure with wallet speed, not brokerage machinery: no deposit account, no settlement lag between deciding and holding. Holders keep the same options as any token: send it, spend it where it is accepted, or swap back out the way they came in, and every movement carries the chain's own finality with it.
One account unlocks accept, swap, buy, and the rest of the U.CASH network across 35 networks.