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TLDR Ripple is testing its RLUSD stablecoin on four Ethereum Layer 2 networks: Optimism, Base, Ink, and Unichain The expansion uses Wormhole’s Native Token TransfersTLDR Ripple is testing its RLUSD stablecoin on four Ethereum Layer 2 networks: Optimism, Base, Ink, and Unichain The expansion uses Wormhole’s Native Token Transfers

Ripple Tests RLUSD Stablecoin on Ethereum Layer 2 Networks

2025/12/16 15:58

TLDR

Ripple is testing its RLUSD stablecoin on four Ethereum Layer 2 networks: Optimism, Base, Ink, and Unichain
The expansion uses Wormhole’s Native Token Transfers standard to move RLUSD across chains without creating wrapped versions
RLUSD launched in December 2024 and currently has a market cap of $1.3 billion
Full rollout on these networks is planned for 2026 pending regulatory approval
The stablecoin operates under a New York trust charter and Ripple has applied for a federal charter

Ripple Labs announced plans to test its RLUSD stablecoin on four Ethereum Layer 2 blockchains. The pilot program will include Optimism, Base, Ink, and Unichain.

The company launched RLUSD in December 2024 on the XRP Ledger and Ethereum mainnet. The stablecoin currently has a market capitalization of $1.3 billion according to CoinGecko data.

Ripple partnered with Wormhole for the expansion. Wormhole is a crosschain interoperability protocol that enables assets to move between different blockchains.

The pilot uses Wormhole’s Native Token Transfers standard. This technology allows RLUSD to move across blockchains as the actual token rather than a wrapped copy.

In traditional multichain setups, tokens get locked on their original blockchain while wrapped versions are minted elsewhere. The Native Token Transfers approach burns RLUSD on one chain and mints it natively on another.

This method maintains a single version of RLUSD across all blockchains. Ripple retains ownership of the contracts on each network.

Regulatory Framework and Future Plans

RLUSD operates under a New York Department of Financial Services Trust Company Charter. This charter provides state-level regulatory oversight.

Ripple has also applied for a federal trust bank charter from the Office of the Comptroller of the Currency. This would add federal oversight to the stablecoin’s regulatory framework.

Jack McDonald is senior vice president of stablecoins at Ripple. He stated that RLUSD is the first US Trust Regulated stablecoin on these Layer 2 networks.

The full commercial launch on these networks is scheduled for 2026. The rollout requires final regulatory approval before proceeding.

Ripple plans to expand RLUSD to more blockchain networks next year. The company has not specified which additional chains will be included.

RLUSD ranks behind the top three stablecoins by market cap. Tether’s USDT leads with $186 billion, Circle’s USDC has $78 billion, and Sky Protocol’s USDS holds $9.8 billion.

The stablecoin has gained adoption among retail users. Integrations include payment platform Transak and self-custodial wallets like Xaman.

The expansion into Ethereum Layer 2 networks represents a shift from RLUSD’s initial single-chain and dual-chain approach. Ripple stated the move is part of serving institutional finance and the onchain economy where demand exists.

The post Ripple Tests RLUSD Stablecoin on Ethereum Layer 2 Networks appeared first on CoinCentral.

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