Main Takeaways
RLUSD, also known as Ripple USD, is a USD-pegged stablecoin issued by Standard Custody & Trust Company, a Ripple subsidiary regulated as a limited-purpose trust company by the New York State Department of Financial Services (NYDFS). Backed 1:1 by cash, cash equivalents, and short-term US Treasury bills, RLUSD is issued on the XRP Ledger and Ethereum.
Checklist
- Flexible reward currency: choose to receive weekly rewards in RLUSD or XRP.
- How to Start Earning
- Log in to your OKX account.
- How much of my holdings count towards my margin or collateral?
- APY Calculation Details
- Is there a cap for holding RLUSD to earn APY?
- Can I choose whether to receive rewards in RLUSD or XRP?
- Yes. You can select your preferred reward payout currency — RLUSD or XRP.
- How to check my holding and earnings?
- Navigate to Earn → RLUSD Rewards in your OKX account to view your current holdings, accumulated earnings, and reward history.
Notes
Hold RLUSD to earn stablecoin rewards. Earn 4.1% APY (VIP) or 3.5% APY (regular users) on RLUSD balances, paid out weekly — no subscription, no redemption, no staking, no lockups, no hassle. No holding cap for gaining rewards.
Limited-time launch boost: from 21 Jul to 20 Aug 2026, the first 2,000 RLUSD holdings earns a boosted APY rate of 10%.
RLUSD can further be used on OKX as yield-bearing collateral in flexible loan and futures trading. Use it as collateral and continue earning at the same time.
What is RLUSD?
Details follow the official OKX help article; this page is a learning checklist, not an official mirror.
