RLUSD

Accept Ripple USD (RLUSD) Stablecoin Payments

Accept NYDFS-regulated 1:1 Ripple USD (RLUSD) across Ethereum and supported cross-border rails with 99.5% direct wallet settlement and a flat 0.5% gateway fee.

Start accepting RLUSD View API Docs AI & MCP Portal

0.5%

Gateway fee

30+

Supported tokens

7+

Blockchain networks

24/7

Always-on settlement

What is Ripple USD (RLUSD)?

Ripple USD (RLUSD) is an enterprise-grade, NYDFS-regulated 1:1 USD-backed stablecoin issued natively across Ethereum (ERC-20) and the XRP Ledger. XPayr enables B2B merchants, SaaS vendors, and cross-border exporters to accept RLUSD with 99.5% direct wallet finality and automated ERP audit proofs.

Supported Networks: Ethereum (ERC-20) & Supported Cross-Border Corridors
4-step flow

How do RLUSD payments work?

Accept Ripple USD payments through XPayr in four simple steps.

1

Create merchant account

Sign up on XPayr and configure your wallet address for RLUSD settlement.

2

Integrate payment flow

Use API, plugins, payment links, or widgets to add RLUSD checkout to your site.

3

Customer pays with RLUSD

Customer selects Ripple USD at checkout. XPayr generates a payment invoice with real-time pricing.

4

Receive to your wallet

Once confirmed on-chain, the payment is settled directly to your personal RLUSD wallet.

Why accept Ripple USD payments?

Compelling reasons to add RLUSD as a payment option for your business.

Institutional USD Backing

Backed 1:1 by USD deposits, short-term US Treasuries, and monthly third-party attestations.

Built for B2B Trade & Treasury

Settle international wholesale invoices (/invoices) in seconds without correspondent bank delays.

ERP & Audit Ready

Export balanced QuickBooks, Xero, and NetSuite entries with cryptographic tx_hash proof (/accounting).

create-payment.js 
const response = await fetch('https://api.xpayr.com/v1/payment', {
  method: 'POST',
  headers: {
    'x-api-key': YOUR_API_KEY,
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    price_amount: 100,
    price_currency: 'usd',
    pay_currency: 'rlusd',
    order_id: 'ORDER-001'
  })
});

const payment = await response.json();
// payment.pay_address  → Send RLUSD here
// payment.pay_amount   → Exact RLUSD amount

How to accept Ripple USD payments

  1. Sign up Create your free XPayr merchant account.
  2. Add your RLUSD wallet Enter your Ripple USD wallet address for settlement.
  3. Generate API key Create an API key from your merchant dashboard.
  4. Choose integration method Use API, plugins, invoices, or payment buttons.
  5. Start accepting RLUSD! Go live and let customers pay with Ripple USD.
Transparent 0.5% Gateway Fee for RLUSD

Accepting $1,000.00 in Ripple USD (RLUSD) costs a flat $5.00 USD (0.5%) gateway fee with $995.00 USD settled directly to your non-custodial wallet. Zero custody, zero rolling reserves, and 1% (max $0.50) exchange withdrawal fee tolerance.

Automate RLUSD Checkout via AI Agents & MCP

Invoke xpayr_create_payment_session or xpayr_calculate_gateway_fee for RLUSD using npx -y @xpayr/mcp-server or our Remote MCP endpoint:

POST https://xpayr.com/api/mcp
FAQ

Ripple USD Payment Questions

Everything you need to know about accepting RLUSD payments through XPayr.

Confirmed RLUSD checkouts route 99.5% directly to your configured self-custodial wallet or Safe{Wallet} multisig, with zero processor custody holds.

Yes. Enable all institutional stablecoins simultaneously inside XPayr Dual Checkout (/stablecoins & /tools/mica-stablecoin-compliance-checker).

A flat 0.5% (50 bps) gateway fee with $0 monthly fees and $0 rolling reserve.

Ready to accept Ripple USD payments?

Create your free merchant account and start accepting RLUSD in minutes. No monthly fees, transparent pricing, direct wallet settlement.

Start for free Talk to sales