XRP News Today: Binance and Ripple Partner for Regulated RLUSD Stablecoin with 4.2% Yield, $122.5M Minted in July 2025

Binance and Ripple have partnered to launch RLUSD, a U.S. dollar-backed stablecoin designed to operate within a fully compliant, institution-grade framework. The collaboration combines Ripple’s cross-border payment expertise with Binance’s global exchange infrastructure, positioning RLUSD as a 1:1 U.S. dollar-backed stablecoin with regulatory adherence [2]. Ripple serves as the principal issuer, leveraging the XRP Ledger for operational efficiency, while Binance, under CEO Richard Teng, became the first major platform to offer RLUSD products [3]. The stablecoin provides a principal-protected yield of up to 4.2% annually and is supported by custodial services from BNY Mellon, underscoring institutional trust in its structure [1].

Regulatory approval from the New York Department of Financial Services has been secured, aligning RLUSD with the framework of the proposed GENIUS Act [1]. This compliance milestone is critical as global regulators intensify scrutiny of stablecoins. The product’s integration with payment systems and decentralized finance (DeFi) protocols is expected to elevate the usage of XRP and ETH, creating new financial opportunities for institutional and retail investors [1]. Over $500 million in RLUSD has already circulated within the first month, indicating strong market confidence [1].

The initiative includes a notable philanthropic component: Ripple has committed $25 million in RLUSD to support education nonprofits, highlighting the stablecoin’s dual role in financial utility and social impact [1]. The stablecoin’s supply surged to $122.5 million minted in July 2025, reflecting growing adoption [1]. Ripple’s RLUSD has received an "A" rating from Bluechip for its robust compliance framework and reserve backing, further solidifying its credibility among institutions seeking regulated digital assets [3].

Market projections suggest RLUSD could contribute to a $2 trillion stablecoin market cap by 2028, though this remains speculative [1]. The project’s institutional backing, including involvement from Bank of America’s CEO Brian Moynihan, signals a broader trend toward stablecoin adoption in traditional finance [1]. For Binance, the launch strengthens its stablecoin offerings, competing with USDC and PayPal USD, while indirectly boosting Ripple’s market presence through enhanced infrastructure and credibility [1].

The RLUSD initiative reflects a maturing stablecoin sector prioritizing transparency and real-world utility. As regulators continue to shape the landscape, projects with institutional-grade standards are likely to gain traction. The philanthropic use case, in particular, demonstrates stablecoins’ potential beyond finance, offering a model for social impact integration [3].

Source:

[1] [Ripple Stablecoin Supply Rockets in July With 122,500,000 RLUSD Minted](https://u.today/ripple-stablecoin-supply-rockets-in-july-with-122500000-rlusd-minted)

[2] [r/Ripple](https://www.reddit.com/r/Ripple/)

[3] [Ripple’s RLUSD Stablecoin Earns Top “A” Rating; Here’s Why XRP Stands to Benefit the Most](https://coinedition.com/author/coineditionteam/)