XRP News Today: Ripple's RLUSD Surges 30% in Month, Hits $500M on Compliance, Bank of America Backing

Ripple’s RLUSD stablecoin has gained significant market traction, with its market value rising over 30% in a month and surpassing $500 million in circulation. The stablecoin’s growth is attributed to its compliance-first approach and multi-chain compatibility, operating on both the XRP Ledger and Ethereum. This dual functionality allows institutions to maintain flexibility while adhering to U.S. financial regulations. The surge in RLUSD adoption coincides with Bank of America’s renewed focus on digital asset research, driven by its existing partnership with Ripple since 2019. The bank has historically leveraged Ripple’s distributed ledger technology for cross-border settlements and liquidity management, with internal documentation and patents indicating prior tests of XRP for transaction efficiency [1].

Recent legislative developments further bolster RLUSD’s potential. The GENIUS Act, signed into law, establishes a national regulatory framework for stablecoins in the U.S., increasing institutional confidence in compliant offerings. Bank of America CEO Brian Moynihan confirmed in July 2025 that the bank is exploring stablecoins backed by U.S. dollars and short-term Treasury securities, though any official move is contingent on regulatory clarity. RLUSD’s alignment with compliance standards and its integration into Ripple’s global payment infrastructure—including partnerships with American Express and Banco Santander—position it as a strategic candidate for institutional adoption [2].

RLUSD’s institutional credibility is reinforced by its oversight under the New York Department of Financial Services and custodial support from BNY Mellon. These factors align with Bank of America’s risk-averse strategy, as the bank seeks to navigate digital asset opportunities within regulatory boundaries. The stablecoin’s design, which includes a U.S. dollar peg and Ripple’s pursuit of a national bank charter, addresses key concerns for traditional financial institutions seeking to digitize operations without compromising compliance [3].

The broader U.S. banking sector is accelerating its stablecoin initiatives, with JPMorgan expanding its JPM Coin platform and Citigroup developing tokenized financial products. However, RLUSD’s unique position is underscored by its regulatory approvals, including clearances from the Dubai Financial Services Authority (DFSA) and U.S. jurisdictions. These approvals highlight Ripple’s ability to navigate complex regulatory environments, differentiating RLUSD from competitors that lack similar oversight [4].

Ripple CEO Brad Garlinghouse has emphasized RLUSD as a core component of the company’s institutional strategy, aiming to bridge traditional and crypto finance. The stablecoin’s adoption by corporations—including public companies committing $800 million to XRP reserves in June 2025—further validates its utility as a reserve asset and payment tool. Meanwhile, Ripple’s partnerships with entities like SBI Remit and American Express expand its ecosystem, potentially accelerating RLUSD’s integration into mainstream financial services [5].

Critics note challenges, including centralization concerns and the need for broader cross-border adoption. However, RLUSD’s focus on compliance, institutional partnerships, and real-world applications—such as Wellgistics Health’s SEC filing to integrate XRP into operations—demonstrate its practical value beyond speculative use cases [6]. As Bank of America and other institutions evaluate stablecoin options, RLUSD’s combination of regulatory alignment, liquidity, and enterprise-focused design could shape the future of digital asset adoption.

Source: [1] [Ripple’s RLUSD Tipped as Top Contender Amid Bank of America’s Stablecoin Push](https://coingape.com/ripple-rlusd-tipped-as-top-contender-amid-bank-of-americas-stablecoin-push/)

[2] [Bank of America Enters Stablecoin Market Amid $4B Surge](https://www.ainvest.com/news/bank-america-enters-stablecoin-market-4b-surge-post-genius-act-2507/)

[3] [Ripple’s RLUSD Gains Regulatory Approval](https://www.kulipa.xyz/blog)

[4] [Ripple’s RLUSD Tipped as Top Contender Amid Bank of America’s Stablecoin Push](https://moneycheck.com/ripples-rlusd-tipped-as-top-contender-amid-bank-of-americas-stablecoin-push/)

[5] [XRP Surges to New Highs as Ripple’s Institutional-Focused Narrative Gains Traction](https://www.marketscreener.com/news/xrp-surges-to-new-highs-as-ripple-s-institutional-focused-narrative-gains-traction-ce7c5cd3d08df121)

[6] [XRP News Today: Wellgistics Health Files S-1 to Integrate XRP into Operations](https://www.ainvest.com/news/xrp-news-today-wellgistics-health-files-1-integrate-xrp-operations-institutional-adoption-hits-800m-2507/)