Institutions Tap Ripple's RLUSD for 24/7 Liquidity and Yield Flexibility

Ripple has positioned its stablecoin, Ripple USD (RLUSD), as a critical bridge between traditional institutional finance and the crypto ecosystem through a series of strategic partnerships. The company announced a collaboration with Securitize, a leader in tokenizing real-world assets, to enable holders of BlackRock’s BUIDL and VanEck’s VBILL tokenized treasury funds to exchange their shares for RLUSD via smart contracts. This integration provides 24/7 liquidity access, allowing investors to maintain exposure to on-chain yields while leveraging stablecoin flexibility. BUIDL and VBILL, representing $2.07 billion in assets under management across seven blockchains, now offer instant conversions to RLUSD, with VBILL’s integration set to follow soonRipple and Securitize Enable RLUSD Smart Contract Functionality for BlackRock BUIDL and VanEck VBILL Tokenized Funds^[1].

RLUSD, issued under a New York Department of Financial Services (NYDFS) Trust Company Charter, is backed 1:1 by high-quality liquid assets with strict reserve management and third-party attestations. Since its late 2024 launch, the stablecoin has surpassed $741 million in market capitalization, supported by adoption in cross-border payments, DeFi liquidity pools, and institutional settlement systemsRipple, Securitize Add RLUSD Access for BlackRock’s BUIDL^[2]. Ripple’s SVP of Stablecoins, Jack McDonald, emphasized that RLUSD’s design prioritizes regulatory clarity and institutional utility, with partnerships like Securitize’s integration unlocking new liquidity channels for tokenized assetsRipple, Securitize Partner to Enable RLUSD Exchange for BlackRock and VanEck Tokenized Funds^[3].

The partnership extends beyond U.S. markets. In July 2025, Ripple appointed the Bank of New York Mellon (BNY) as RLUSD’s primary custodian, further solidifying its institutional credibilityRipple Brings RLUSD to BlackRock’s BUIDL Fund^[4]. Meanwhile, the stablecoin’s adoption in global markets has expanded, including approvals for Dubai’s real estate tokenization initiatives and integrations with Japanese and African financial platformsBlackRock, VanEck Tokenized Funds Add RLUSD Support^[5]. These moves align with Ripple’s broader strategy to scale RLUSD’s utility across regulated and emerging markets.

A pivotal development came with a tripartite collaboration between Ripple, DBS Bank, and Franklin Templeton. The partnership enables accredited investors to trade RLUSD for Franklin Templeton’s tokenized money market fund, sgBENJI, on DBS Digital Exchange. This allows clients to rebalance portfolios between stablecoins and yield-generating assets within minutes, while future plans include using sgBENJI tokens as collateral for repo agreements or creditDBS and Franklin Templeton to Launch Trading and Lending Solutions Powered by Tokenised Money Market Funds and RLUSD^[6]. Franklin Templeton’s expansion of sgBENJI to the XRP Ledger underscores the blockchain’s efficiency in handling high-volume, low-latency transactionsRipple Partners Trillion-Dollar Manager Franklin Templeton and DBS to Launch Tokenized Finance Solutions^[7].

Ripple’s CEO, Brad Garlinghouse, highlighted the significance of these integrations, stating that RLUSD’s role in enabling real-time settlement and programmable liquidity marks a “game-changer” for institutional financeXRP News: Ripple’s RLUSD Stablecoin Lands Big Win with DBS and Franklin Templeton Partnership^[8]. The collaboration with Securitize and DBS demonstrates how stablecoins and tokenized funds can coexist in regulated ecosystems, offering liquidity, yield, and credit solutions tailored to institutional needs.