Ripple is taking a significant step in that direction with the launch of RLUSD on its first Layer 2 networks. The official debut is planned for next year, pending regulatory approval.
Testing will begin on Optimism, Base, Ink, and Unichain, in partnership with Wormhole and its Native Token Transfer standard. This marks a pivotal moment for regulated, interoperable stablecoins.
Building a True Multichain Strategy
RLUSD was originally issued on both the XRP Ledger and Ethereum to enable cross-chain trading and DeFi opportunities. Expanding to Layer 2 networks is a critical move for scalability, efficiency, and interoperability. By leveraging Wormhole’s NTT standard, Ripple maintains native issuance and regulatory oversight while allowing RLUSD to move securely across new ecosystems. Optimism serves as a gateway to other Layer 2s, including Base, Ink, and Unichain, ensuring broad access for users and developers alike.
RLUSD is expanding to Layer 2s using @wormhole’s NTT standard for native, secure transfers and will become the first U.S.-based, trust-regulated stablecoin on @Optimism, @Base, @Inkonchain and @Unichain: https://t.co/ju9KyoOIBa
This will enhance utility for XRP and RLUSD by…
— Ripple (@Ripple) December 15, 2025
For example, a decentralized finance platform on Optimism could use RLUSD for lending and borrowing without friction, while an institutional investor could hold RLUSD on Base to settle cross-chain transactions efficiently. This mirrors a growing trend in 2025 where multichain stablecoins are becoming essential for liquidity management and enterprise adoption. According to a report by Messari, multichain stablecoin volume has increased over 80% in the past year, reflecting the demand for liquid, compliant digital assets across multiple networks.
💸 @Ripple‘s $1.3b stablecoin, $RLUSD, has adopted Wormhole’s NTT standard to expand multichain.
This integration will enable the issuance of $RLUSD across all of crypto, starting with @Base, @Optimism, @InkOnchain & @Unichain.
NTT is the standard for multichain asset issuance. pic.twitter.com/L15KpB1jbt
— Wormhole (@wormhole) December 15, 2025
RLUSD is issued under a New York Department of Financial Services Trust Company Charter, providing bank-level oversight and regulatory confidence. Ripple has also applied for an OCC charter, creating a dual federal and state regulatory framework—a structure unmatched by other stablecoins. Beyond the U.S., RLUSD has been recognized in jurisdictions such as Dubai and Abu Dhabi, reinforcing Ripple’s global compliance approach.
More ABout RLUSD
The amount of $RLUSD borrowed on Aave Horizon has reached a new all-time high, totaling $108,957,112.02. This milestone highlights the growing demand for RLUSD as a stable, regulated digital asset within decentralized finance. The surge in borrowing demonstrates both investor confidence and the practical utility of RLUSD for liquidity, lending, and yield strategies across the Aave ecosystem.
ATH 📈The amount of $RLUSD borrowed on @aave Horizon reached a new all-time high of $108,957,112.02
🔗https://t.co/qNKhEeNWkh pic.twitter.com/AxSvZMVDBl— Sentora (previously IntoTheBlock) (@SentoraHQ) December 16, 2025
As more users leverage RLUSD for onchain financial operations, the token’s adoption and influence in the DeFi space continue to expand, signaling strong momentum for Ripple’s multichain stablecoin initiatives.
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