Ripple’s RLUSD Stablecoin Expands to Ethereum L2s with Wormhole Integration

Highlights:

• Ripple has broadened the scope of the RLUSD stablecoin to include Base, Optimism, Ink, and Unichain.
• RLUSD utilizes the secure native transfers of Wormhole’s NTT standard.
• Ripple aims to receive regulatory supervision from both the NYDFS and OCC.

Fintech giant Ripple has continued accelerating its multichain network by expanding its RLUSD stablecoin to the Ethereum Layer 2 network. The firm has confirmed that it has started testing on Base, Optimism, Ink, and Unichain. These tests precede an official launch, expected next year, subject to New York regulators’ approval.

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RLUSD stablecoin, which was introduced on Ethereum and XRP Ledger last December, has already reached over $1 billion in total supply. Ripple is seeking to enhance adoption by creating cross-chain liquidity and utility. In this rollout, the firm has adopted the Native Token Transfers (NTT) standard of Wormhole. The technology facilitates non-synthetic-wrapped secure native transfers.

Ripple highlighted why multichain support can be essential in the present crypto economy. The firm noted in the statement,

“The future of crypto is obviously multichain, and to be of service to either institutional finance or to the on-chain economy actively, stablecoins have to be there where the demand and utility exist.”

RLUSD is expanding to Layer 2s using @wormhole’s NTT standard for native, secure transfers and will become the first U.S.-based, trust-regulated stablecoin on @Optimism, @Base, @Inkonchain and @Unichain: https://t.co/ju9KyoOIBa

This will enhance utility for XRP and RLUSD by…

— Ripple (@Ripple) December 15, 2025

Wormhole Integration Enables Native Movement

Wormhole’s NTT standard plays a critical role in the expansion strategy. It enables maintainability of native issuance across chains by the RLUSD stablecoin without creating wrapped tokens. The approach further enhances compliance with regulations and retains a liquidity position on-chain. It can also be used for broader applications in decentralized finance.

Optimism is a key player, as it introduces an interface to the other networks, such as Base and Ink. This platform enables retail and institutional consumers to communicate seamlessly with the RLUSD in multiple environments. Furthermore, the recent collaboration with Hex Trust adds interoperability by providing the support of a wrapped XRP token (wXRP).

Users are now able to combine wXRP with RLUSD to make swaps, lend, and make on-chain payments. This brings both businesses and individual,s and their access to digital financial services across the chain.

Regulatory Edge Strengthens Market Position

Ripple’s strategy is based on regulatory trust and transparency. RLUSD stablecoin is issued by a charter of the New York Department of Financial Services (NYDFS). This provides it with bank-level oversight that is unparalleled by most stablecoins on the market.

Moreover, Ripple recently received a conditional federal trust bank charter from the Office of the Comptroller of the Currency (OCC) in the United States. If finalized, RLUSD will be the first approved state and federally approved stablecoin. This dual structure puts Ripple in a position to meet institutional demands globally.

HUGE news! @Ripple just received conditional approval from the @USOCC to charter Ripple National Trust Bank. This is a massive step forward – first for $RLUSD, setting the highest standard for stablecoin compliance with both federal (OCC) & state (NYDFS) oversight.

To the…

— Brad Garlinghouse (@bgarlinghouse) December 12, 2025

Ripple is also continuing its global growth. The regulatory approval has seen RLUSD expand its reach in global financial centers, such as Dubai and Abu Dhabi. The company has acquired more than 75 licenses worldwide, which enhances its credibility.

A Scalable Future for RLUSD Stablecoin

Ripple highlighted that the RLUSD stablecoin will be introduced on additional chains in 2025 once the NYDFS testing is done. The expansion to L2s is an important transition for stablecoin utility. Having networks with reduced fee charges and faster settlement, RLUSD will likely gain traction for both DeFi users and institutions.

By moving RLUSD to these ecosystems, Ripple is setting the stage for further implementation of regulated digital currencies. This company is determined to develop scalable, compliant on-chain economy solutions.

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