Ripple continues to strengthen the real-world applicability of its native stablecoin, RLUSD, through a strategic integration with OpenPayd, a leading financial infrastructure provider. This collaboration marks a pivotal advancement in cross-border payments, offering enterprises seamless, compliant, and efficient movement between fiat currencies and digital assets.
By combining Ripple’s innovative blockchain-based payment solutions with OpenPayd’s robust banking-as-a-service platform, the partnership unlocks new possibilities for global businesses seeking faster, more transparent, and cost-effective transaction systems.
Enhancing Cross-Border Payments With RLUSD and OpenPayd
OpenPayd, headquartered in London, operates a unified API platform that empowers fintechs, crypto platforms, and enterprises with access to global banking infrastructure. This includes real-time payment rails in EUR and GBP, multi-currency accounts, and virtual IBANs — all now enhanced with support for Ripple Payments and direct RLUSD minting and burning.
This integration means companies can now:
- Instantly convert between fiat (EUR/GBP) and RLUSD
- Leverage real-time settlement via Ripple’s network
- Maintain regulatory compliance through OpenPayd’s licensed financial framework
- Scale cross-border operations without traditional banking bottlenecks
For businesses operating across Europe and the UK, this development significantly reduces settlement times — from days to seconds — while minimizing counterparty risk and intermediary fees.
The collaboration aligns with growing demand for stablecoin-based solutions in enterprise finance. With RLUSD built on the XRP Ledger (XRPL), transactions benefit from low fees, high throughput, and environmental sustainability — key factors for institutional adoption.
What Is RLUSD? A Stablecoin Built for Enterprise Use
Launched in December 2024, Ripple USD (RLUSD) is a fully reserved, U.S. dollar-backed stablecoin designed to bridge traditional finance and decentralized ecosystems. As of mid-2025, RLUSD has achieved a market capitalization exceeding $455 million, reflecting strong institutional interest and growing utility.
Unlike many stablecoins focused primarily on trading or DeFi speculation, RLUSD is engineered for practical use cases such as:
- Cross-border remittances
- Supply chain financing
- Instant merchant settlements
- Global payroll distribution
Its integration with regulated financial infrastructure like OpenPayd underscores Ripple’s commitment to compliance, transparency, and mainstream financial inclusion.
Ripple’s Broader Ecosystem Growth
Beyond the OpenPayd partnership, Ripple has been rapidly expanding RLUSD’s reach across multiple platforms and services.
AEON Integrates XRP and RLUSD for Real-World Payments
AEON, a crypto payment framework, recently announced a collaboration with Ripple to incorporate both XRP and RLUSD into its Web3 mobile payment solution, AEON Pay. This enables users to spend RLUSD at physical retailers, restaurants, and online stores — turning digital assets into everyday currency.
With AEON Pay, consumers can use RLUSD for common purchases like:
- Dining out
- Retail shopping
- Mobile top-ups
- Subscription services
This shift signals a critical evolution: stablecoins are no longer just instruments for speculation but viable tools for daily commerce.
XRPL EVM Sidechain Goes Live on Mainnet
In another major milestone, the XRPL EVM Sidechain officially launched on mainnet in 2025 after extensive development with Peersyst and the broader XRPL community. This upgrade introduces full Ethereum Virtual Machine (EVM) compatibility to the XRP Ledger ecosystem.
Developers can now:
- Deploy EVM-native smart contracts on XRPL
- Port existing Ethereum dApps seamlessly
- Build cross-chain decentralized applications (dApps)
- Access XRPL’s fast settlement and low fees
The sidechain enhances RLUSD’s programmability, enabling its use in DeFi protocols, NFT marketplaces, and automated financial services — further broadening its utility beyond simple transfers.
Why This Matters for Global Finance
The convergence of regulated fintech infrastructure and blockchain-based stablecoins represents the future of global payments. Traditional systems often suffer from delays, high costs, and opacity — issues that RLUSD and Ripple’s network directly address.
By integrating with OpenPayd, Ripple ensures that:
- Enterprises gain immediate access to digital dollar liquidity
- Financial flows remain auditable and compliant
- Settlement occurs in near real-time across borders
- Operational complexity is dramatically reduced
👉 Learn how next-generation payment rails are transforming international business operations.
This move positions RLUSD as a serious contender in the institutional stablecoin space — competing not just technologically, but also through strategic partnerships that emphasize trust, scalability, and regulatory alignment.
Frequently Asked Questions (FAQ)
What is RLUSD?
RLUSD (Ripple USD) is a U.S. dollar-pegged stablecoin issued by Ripple and backed 1:1 by reserve assets. It operates on the XRP Ledger and is designed for fast, low-cost global payments with full regulatory compliance.
How does the OpenPayd integration benefit businesses?
OpenPayd’s integration allows enterprises to mint and burn RLUSD directly through its API-connected banking infrastructure. Companies can instantly convert between EUR/GBP and RLUSD, enabling real-time cross-border settlements without relying on correspondent banks.
Is RLUSD available globally?
Yes, RLUSD is accessible to regulated institutions and businesses worldwide through supported platforms like OpenPayd and AEON. Availability may vary based on local regulatory frameworks.
How is RLUSD different from other stablecoins?
Unlike some stablecoins focused on speculative trading or DeFi yield farming, RLUSD is built specifically for enterprise-grade financial applications — including cross-border payments, remittances, and merchant settlements — with an emphasis on compliance and interoperability.
Can individuals use RLUSD?
While primarily designed for institutional use, individuals can access RLUSD through integrated platforms like AEON Pay for everyday spending. Wallet support and exchange listings are expected to expand throughout 2025.
What role does the XRPL EVM Sidechain play in RLUSD adoption?
The XRPL EVM Sidechain enables developers to create smart contracts and dApps that utilize RLUSD in decentralized finance (DeFi), gaming, and NFT ecosystems. This expands RLUSD’s functionality beyond payments into programmable finance.
The Road Ahead for Ripple and RLUSD
As digital asset adoption accelerates among financial institutions, Ripple is positioning itself at the forefront with purpose-built solutions like RLUSD. The OpenPayd integration isn’t just a technical upgrade — it’s a strategic leap toward mainstream acceptance of blockchain-based payments.
With growing support from fintechs, payment processors, and developers building on the XRPL EVM Sidechain, RLUSD is evolving into a versatile digital dollar solution — one that combines speed, compliance, and global reach.
👉 See how leading companies are adopting blockchain-based stablecoins for international payments.
As regulatory clarity improves and demand for efficient cross-border infrastructure grows, expect Ripple to forge more alliances that deepen RLUSD’s integration into the global financial system.
Core Keywords: RLUSD, Ripple USD, stablecoin, cross-border payments, OpenPayd, XRP Ledger, EVM Sidechain, enterprise blockchain