Binance expands stablecoin lineup with ripple usd listing and zero-fee trading
Binance is set to expand its stablecoin lineup as ripple usd debuts on the exchange with a zero-fee trading campaign for selected pairs.
Binance confirms RLUSD listing and zero-fee campaign
Binance announced it will list Ripple USD (RLUSD) on January 22 at 08:00 UTC, adding the stablecoin to the world’s largest cryptocurrency exchange by trading volume. The listing will feature zero trading fees for the RLUSD/USDT and RLUSD/U spot pairs as part of a promotional initiative.
The exchange will open trading for three spot markets: RLUSD/USDT, RLUSD/U, and XRP/RLUSD. Moreover, deposits are available immediately, while withdrawals will commence on January 23, giving users rapid access to the new dollar-pegged asset.
The decision highlights Binance’s strategic move into a more competitive stablecoin landscape. However, the zero-fee structure on selected pairs underscores the exchange’s intent to drive early liquidity and trading volume for RLUSD.
RLUSD’s growth, network support, and custody structure
The listing represents a major distribution milestone for Ripple’s dollar-pegged token, which launched in December 2024. Since then, RLUSD has reached a $1.34 billion market capitalization across 16 exchanges, signaling rapid early adoption in the stablecoin sector.
Before Binance’s decision, RLUSD had already secured listings on Bullish, Kraken, Bitstamp, and Gemini. However, it remained absent from both Binance and Coinbase, the two largest U.S.-facing cryptocurrency trading platforms, leaving a notable gap in its market coverage.
RLUSD operates on both the XRP Ledger and Ethereum networks. The token is backed 1:1 by U.S. dollar deposits, government bonds, and cash equivalents held under a New York Department of Financial Services trust charter, reinforcing its regulatory framing and reserve transparency.
In July 2025, Standard Custody & Trust Company, a Ripple subsidiary, appointed Bank of New York Mellon as the primary custodian for RLUSD reserves. That arrangement formalized the stablecoin’s institutional custody layer and strengthened its credibility among regulated financial participants.
Competitive positioning in the stablecoin market
The zero-fee promotion on Binance applies during an unspecified campaign period. This strategy positions RLUSD more competitively against incumbent leaders such as Tether’s USDT, which holds a $140 billion circulating supply, and Circle’s USDC, which together dominate roughly 90% of the global stablecoin market.
In this environment, ripple usd must compete not only on liquidity and exchange coverage but also on regulatory structure and integrations. Moreover, newer entrants like PayPal’s PYUSD, with around $500 million in circulation, illustrate the difficulty of breaking into a market defined by network effects and entrenched liquidity.
The broader stablecoin sector also includes USDC with approximately $40 billion outstanding. That said, RLUSD’s combination of regulatory oversight, custody arrangements, and exchange expansion may help differentiate it from both legacy and emerging rivals.
Institutional adoption and global regulatory traction
The Binance listing gives RLUSD exposure to the exchange’s substantial global liquidity pools and user base, which may accelerate adoption for Ripple’s cross-border payment solutions. The new listing therefore strengthens the token’s utility within Ripple’s wider payments and settlement stack.
In January 2026, BlackRock integrated RLUSD as collateral for its tokenized treasury fund, known as BUIDL. Moreover, that move validated the stablecoin’s potential role in institutional settlement workflows and on-chain money market strategies.
Also in January, Dubai’s Financial Services Authority approved RLUSD under its revised crypto regulations, alongside USDC and EURC. This decision expanded the token’s regulatory footprint in key Middle Eastern financial hubs and added another jurisdiction to its growing compliance map.
Ripple currently holds over 60 global licenses and is seeking an Office of the Comptroller of the Currency banking charter in the United States. However, if granted, this dual federal and state regulatory structure would be unique among stablecoin issuers and could further increase institutional comfort.
Outlook for RLUSD after the Binance launch
The stablecoin now competes in a market where USDT controls around $140 billion in circulation and USDC maintains approximately $40 billion. In contrast, RLUSD remains a newer asset, but its growth to $1.34 billion since December 2024 highlights meaningful early momentum.
Moreover, the combination of Binance’s listing, institutional integrations such as BlackRock’s BUIDL, and approvals from regulators including Dubai’s Financial Services Authority could support further expansion. The impact of Binance’s zero-fee campaign on RLUSD trading volumes and liquidity will be closely watched by market participants.
In summary, Binance’s move to list RLUSD with zero trading fees marks a pivotal step in the token’s evolution, potentially reshaping its position within the global stablecoin ecosystem.
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