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By Anthony Clarke
Last Updated: Mar 27, 2025
Co-author
By Manisha Mishra
Ripple launched its RLUSD stablecoin pegged to the U.S. dollar. It’s designed to bring stability and flexibility to digital transactions. Given the significant DeFi activity centered around stablecoins, Ripple views the launch of its own stablecoin as an opportunity to draw more users to the XRP Ledger ecosystem.
If you’re new to this stablecoin and don’t know where to buy it, don’t worry—this beginner’s guide to RLUSD is here to help. We’ll explain how to buy RLUSD and point you to the best Ripple USD exchanges.
This guide will take you step-by-step through how to buy RLUSD on trusted platforms like Uphold, Bitstamp, and MoonPay. You’ll also learn how to set up an account, deposit funds, and securely store RLUSD in a wallet that supports it. RLUSD is a reliable, USD-backed stablecoin built for enterprise use, emphasizing trust, utility, and compliance while drawing on Ripple’s deep expertise in crypto and finance.
If you’re thinking about buying RLUSD, picking the right exchange is important. You need to be aware of regional restrictions, verification requirements, and, most importantly, whether the exchange even supports RLUSD.
To make things easier, we’ve rounded up some of the top platforms where you can securely and conveniently purchase Ripple’s stablecoin. Each platform has its own set of features, so you can choose the one that best fits your needs.
Uphold is a one-stop platform for trading various assets like cryptocurrencies, fiat currencies, precious metals, and U.S. equities. Its user-friendly design and “anything-to-anything” trading feature make switching between assets effortless. Available in over 180 countries, Uphold caters to a global audience.
Pros
Cons
Uphold is a good choice if you’re looking for a simple, all-in-one platform to trade and manage different assets. It’s easy to use, super transparent, and perfect for beginners. Just keep an eye on the trading fees if you’re a frequent trader or need advanced features.
If you want to know more about the exchange, check out our detailed Uphold review.
Visit Uphold
Bitstamp is one of the longest running exchanges in the crypto world. Launched in 2011, it’s been around longer than most exchanges and has built a reputation for reliability and security.
Whether you’re new to crypto or a seasoned trader, Bitstamp offers a straightforward, secure platform to trade both cryptocurrencies and fiat currencies.
Pros
Cons
Bitstamp is a great choice if you’re looking for a reliable and secure crypto exchange with a long and established history. Its user-friendly interface makes it ideal for beginners, and its competitive fees and advanced tools appeal to seasoned traders.
While the limited crypto selection and lack of margin trading might be drawbacks for some, Bitstamp’s strong security and commitment to compliance make it a trustworthy option for most users.
To know more about this exchange, read our comprehensive Bitstamp review.
Visit BitStamp
Bitso, founded in 2014, has become the go-to crypto exchange in Latin America, serving users in Mexico, Argentina, Brazil, and Colombia. It’s designed to make crypto trading simple while bridging the gap between traditional money and digital assets.
With its focus on regulatory compliance and an easy-to-use platform, Bitso is a trusted choice for beginners and experienced traders alike.
Pros
Cons
Bitso is perfect for users in Latin America who want a reliable, secure, and beginner-friendly platform to trade crypto. Its regulatory compliance and advanced features make it trustworthy, while its competitive fees and mobile accessibility add to the appeal.
However, you might want to look elsewhere if you’re outside its main markets or want access to a broader range of cryptocurrencies. For those in its supported regions, Bitso is an excellent choice.
MoonPay is a gateway for users to crypto, making it easy to buy and sell over 80 cryptocurrencies using everyday payment methods like credit cards, bank transfers, and even Apple Pay or Google Pay.
Launched in 2019, MoonPay now operates in more than 160 countries, helping both individuals and businesses get into the crypto world without the hassle.
MoonPay is an excellent choice if you’re looking for a straightforward way to buy and sell crypto. Its global availability, wide range of cryptocurrencies, and multiple payment options make it ideal for beginners and casual users.
However, if you’re an advanced trader or want lower fees, you might want to explore other options. For a quick, easy, and reliable crypto experience, MoonPay is a solid pick.
CoinMENA, launched in 2019 and based in Bahrain, is a cryptocurrency exchange tailored to the Middle East and North Africa (MENA) region. Fully licensed by the Central Bank of Bahrain, it’s designed for users who value regulatory compliance and a platform that supports local currencies.
Whether you’re a retail investor or an institution, CoinMENA makes buying, selling, and managing crypto like Bitcoin and Ethereum simple and secure.
Pros
Cons
If you’re in the MENA region and want a regulated, Sharia-compliant platform with local currency support, CoinMENA is a top choice. It’s secure, user-friendly, and perfect for beginners or those looking for straightforward crypto trading.
However, if you’re outside the region or need access to a wider range of cryptocurrencies, you might want to explore other exchanges. For those in its service area, CoinMENA is a reliable and trustworthy option for crypto trading.
Under the leadership of CEO Brad Garlinghouse, Ripple has made a bold move into the stablecoin sector with the introduction of Ripple USD (RLUSD). Built on the XRPL (XRP Ledger), RLUSD is designed to make digital payments faster, more reliable, and less affected by price swings.
With Ripple’s strong reputation in blockchain and cross-border payments, RLUSD is expected to play a big role in improving how stablecoins are used. Well, this stablecoin is accessible on both the XRP Ledger and Ethereum blockchain, providing enhanced flexibility and scalability to support a wide array of financial applications.
Stablecoins are becoming a key part of modern finance. By pegging their value to assets like fiat currencies or commodities, stablecoins provide a steady alternative to volatile cryptocurrencies, making them ideal for reducing price swings and enabling smooth cross-border payments.
According to Harvard Law School’s Corporate Governance Blog, stablecoins peg their value to assets like fiat currencies or commodities, making them perfect for reducing price swings and enabling seamless cross-border payments.
The numbers speak for themselves. Harvard Business Review reports that in 2021, stablecoins like Tether (USDT) and USD Coin (USDC) accounted for over 75% of daily crypto trading volumes.
Additionally, the FCA’s November 2023 Discussion Paper highlights that fiat-backed stablecoins facilitated approximately $7.5 trillion in on-chain transactions on Ethereum in 2022. This shows just how critical they’ve become for providing liquidity and enabling efficient transactions in the crypto world.
Stablecoins bridge the gap between the unpredictable nature of cryptocurrencies and the stability of traditional fiat currencies, making them incredibly useful for everyday transactions. For example, traders often convert Bitcoin (BTC) into stablecoins like Tether (USDT) or USD Coin (USDC), both pegged to the US Dollar, to protect their investments from market volatility.
RLUSD is Ripple’s version of a stablecoin, and it’s pegged 1:1 to the U.S. dollar. Basically, every RLUSD token is worth exactly one dollar, no matter what. It’s backed by reserves of cash and cash equivalents to keep things stable.
Plus, RLUSD works on both the XRP Ledger and Ethereum blockchain, making it easy to use for all sorts of financial applications.
A few things make RLUSD stand out. First, it’s issued by Standard Custody & Trust Company (SCTC), which is regulated by the New York Department of Financial Services (NYDFS). This means it follows strict rules, which builds trust.
Second, its reserves are audited monthly by big-name accounting firms, so users know it’s fully backed. Lastly, RLUSD fits right into Ripple’s payment ecosystem, which could make it a game-changer for fast, low-cost cross-border transactions.
RLUSD and Tether (USDT) are both stablecoins, but they’re not the same. RLUSD is regulated by NYDFS, which ensures it meets strict standards, while USDT has faced criticism over its regulatory transparency.
RLUSD also has monthly audits to prove its reserves are solid, whereas USDT’s audits have been less consistent. While USDT is more widely used, RLUSD’s integration with Ripple’s payment systems gives it an edge in areas like global payments and liquidity management.
RLUSD isn’t really meant to be an investment—it’s built to stay stable at $1 per token. People use stablecoins like RLUSD to avoid the ups and downs of the crypto market, make smooth transactions, or earn yields on DeFi platforms.
If you’re thinking about using RLUSD, focus on its reliability, transparency, and how well it works within Ripple’s ecosystem. It’s not about making big gains, but it’s a great tool for stability and efficiency in the crypto world.
If you’re looking to buy RLUSD but aren’t sure where to begin, this guide will take you through the process step by step. Whether you’re new to crypto or just need a clear walkthrough, this guide will help you get started.
First, you’ll need to find a cryptocurrency exchange that offers RLUSD. Some popular ones include:
Make sure the exchange you choose is available in your country and suits your needs—think about things like fees, security, and how easy it is to use.
Once you’ve chosen an exchange, here’s what to do:
After your account is all setup, you’ll need to fund it. You’ve got two options:
Now that your account is funded, it’s time to buy RLUSD:
If you’re looking for a secure way to store RLUSD, a decentralized wallet is the way to go. Unlike custodial wallets, decentralized wallets give you full control of your private keys, meaning only you have access to your funds.
We’ve put together a list of the best wallets that support RLUSD and make managing your assets simple and safe.
Best Wallet is our favorite option due to its versatility in features and ease of use when it comes to getting started.
Best Wallet is a decentralized, non-custodial cryptocurrency wallet that gives you full control of your digital assets. One standout feature is its built-in decentralized exchange (DEX), which lets you trade cryptocurrencies directly in the wallet.
This means you don’t need to move your funds to another platform, making the process quicker and safer.
It supports over 50 blockchain networks, so you can manage a wide variety of assets all in one place. Since it’s non-custodial, you’re the one who holds your private keys, which means you have full ownership of your funds. It’s a straightforward and secure option for investors.
Pros:
Cons:
Best Wallet offers a secure and user-friendly platform for managing a diverse range of cryptocurrencies across multiple blockchains. Its non-custodial design ensures users maintain full control over their assets, while features like integrated crypto swaps and staking opportunities enhance its appeal.
However, the absence of advanced trading tools and limited direct customer support may be considerations for more experienced traders. If you want to know more about this wallet, dive into our comprehensive Best Wallet review.
Visit Best Wallet
Trezor, developed by SatoshiLabs, is a hardware wallet designed to provide secure offline cryptocurrency storage.
Trezor is known for its robust security measures and user-friendly interface, Trezor supports a wide array of digital assets, making it a popular choice among crypto enthusiasts.
Pros:
Cons:
Trezor is a reliable hardware wallet offering top-tier security for cryptocurrency storage. Its user-friendly interface, especially in the Model T, combined with support for a vast range of digital assets, makes it suitable for both novice and experienced users.
However, the higher price point and absence of certain features like native staking and mobile support may influence user decisions based on individual needs and preferences.
Want to know more about the Trezor wallet? Read our complete review: Trezor Model T Review and Comparison
Visit Trezor
Zengo is a next-gen cryptocurrency wallet designed to make managing crypto as simple and secure as possible.
Unlike traditional wallets, Zengo uses Multi-Party Computation (MPC) technology to eliminate private keys and seed phrases, so you don’t have to worry about losing access to your funds.
Pros
Cons
Zengo is a great choice for anyone looking for a secure, hassle-free crypto wallet. Its keyless setup removes the risks of losing private keys, while features like ClearSign provide extra protection for Web3 transactions.
While it may not have everything advanced users need, Zengo is a good option for simple, safe, and accessible crypto management.
Read our in-depth analysis to uncover what makes the Zengo wallet stand out: Zengo Review – The Wallet Without a Private Key
Visit Zengo
Although buying RLUSD seems straightforward, several important factors must be considered to ensure a smooth and hassle-free experience.
Look for well-known cryptocurrency exchanges that list RLUSD. Check for strong security measures, good user reviews, and compliance with regulations. Many exchanges require ID verification, so have your documents ready just in case.
Every exchange and payment method has different fees for deposits, withdrawals, and trades. Take a moment to review these costs so you know exactly what to expect and can avoid unnecessary surprises.
Once you’ve purchased RLUSD, it’s a good idea to move it to a non-custodial wallet where only you control the private keys. This adds an extra layer of security to your funds. Just make sure your wallet supports RLUSD and its blockchain. We recommend Best Wallet for storing RLUSD because of its top-notch security features.
RLUSD is pegged to the U.S. dollar, making it stable and versatile. You can use it for fast cross-border payments, shielding your funds during market swings, or as a simple way to trade within the crypto space. Knowing how it works can help you make the most of it.
Getting your hands on RLUSD, Ripple’s stablecoin, is pretty simple once you know the steps. First, pick a reliable exchange like Uphold, Bitstamp, Bitso, MoonPay, or CoinMENA—these are some of the best options.
Create an account, verify your details, and deposit funds using fiat or crypto. Once you’re set-up, search for RLUSD, decide how much you want, and make your purchase.
For extra safety, move your RLUSD to a secure wallet like Best Wallet, for example, which works with the XRP Ledger or Ethereum blockchain. RLUSD is designed to be stable, flexible, and useful for everyday payments, so it’s worth considering if you’re diving into digital finance.
With this guide, you’re ready to jump in and start using RLUSD confidently!
What is RLUSD?
RLUSD is Ripple’s stablecoin, pegged 1:1 to the U.S. dollar. It’s designed to bring stability and liquidity to digital finance, making it perfect for everyday use and cross-border payments.
Where can I buy RLUSD?
You can buy RLUSD on platforms like Uphold, Bitstamp, Bitso, MoonPay, CoinMENA, and several others. Make sure the exchange you choose supports your region.
Do I need XRP to buy RLUSD?
Yes, if you’re using the XRP Ledger (XRPL), you’ll need a small amount of XRP in your wallet to activate it and complete transactions.
What’s the easiest way to buy RLUSD?
Using platforms like MoonPay is one of the simplest ways to buy RLUSD. They allow purchases with credit cards, bank transfers, and even Apple Pay or Google Pay.
Is RLUSD available worldwide?
While RLUSD aims for global reach, availability depends on the regulations in your region. Always check if your country is supported before purchasing.
Can I store RLUSD in any crypto wallet?
RLUSD can be stored in wallets that support the XRP Ledger or Ethereum blockchain, as it’s issued on both platforms. Popular wallets like Ledger and Trust Wallet work perfectly.
Are there fees for buying RLUSD?
Yes, fees vary depending on the exchange and payment method you use. Check the platform’s fee structure before making a purchase to avoid surprises.
Is RLUSD safe to invest in?
RLUSD is fully backed by reserves, including U.S. dollar deposits, government bonds, and cash equivalents. This backing ensures its stability and reliability, making it a safe choice for many users.
Can RLUSD be used for everyday transactions?
Absolutely. RLUSD’s stability makes it ideal for everyday payments, online purchases, and even settling cross-border transactions quickly and efficiently.
How does RLUSD maintain its stability?
Every RLUSD token is backed by real assets like U.S. dollar deposits, government bonds, and cash equivalents, keeping its value steady at $1.
Established in 2013, 99Bitcoin’s team members have been crypto experts since Bitcoin’s Early days.
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Anthony Clarke’s crypto journey began in 2017, sparked by a discovery on Quora. After purchasing Bitcoin and Verge as his first cryptocurrencies, he developed a deep interest in the emerging world of blockchain technology. This led him to begin writing… Read More
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How to Buy RLUSD: A Beginner's Guide to Ripple's Stablecoin – 99Bitcoins
