Ripple has begun testing its RLUSD stablecoin on Layer 2 networks using Wormhole technology.
Blockchain solutions company Ripple has officially begun testing its regulated stablecoin RLUSD on four of the most relevant Layer 2 networks in the Ethereum ecosystem. According to a statement released on Monday, the technology company has selected Optimism, Base, Ink y Unichain such as the priority environments for testing their stablecoin ahead of the planned commercial launch next year.
The statement highlights that this strategic move is supported by a technical alliance with the protocol Wormholewhose infrastructure will allow Ripple's digital dollar to operate seamlessly across different blockchains without sacrificing security or efficiency.
Furthermore, the announcement underscores Ripple's intention to transcend its historical reliance on the XRP Ledger and the Ethereum main network to venture into environments characterized by higher speed and lower transaction costs.
Ripple brings RLUSD to L2 networks with Wormhole to attract institutions
The integration of RLUSD into the aforementioned L2 blockchain networks uses the standard of Native Token Transfers (NTT) Developed by Wormhole, a technology designed to preserve liquidity and control the issuance of the asset across multiple networks simultaneously.
With this initiative, the firm seeks to consolidate its presence in the decentralized finance sector and offer institutional tools on platforms that currently concentrate a large part of user activity.
Jack McDonald, senior vice president of stablecoins at Ripple, emphasized that the company's vision positions these assets as the indispensable gateway for institutional adoption of the on-chain economy. McDonald noted that RLUSD has been designed from its inception to serve as a reliable and liquid medium that allows users to enter and exit the digital asset economy with complete transparency.
"By launching RLUSD—the first US Trust Regulated stablecoin on these L2 networks—we are not only expanding utility, we are setting the ultimate standard where compliance and on-chain efficiency converge.", stressed Mc Donald's.
The company argues that by launching the first asset of its kind regulated by a US trust in Layer 2 networks, they are setting a new standard where regulatory compliance and technological efficiency converge to provide certainty to the market.
A technological infrastructure for blockchain interoperability
The decision to use Wormhole technology addresses the critical need to resolve the liquidity fragmentation that often affects assets operating across multiple networks. The NTT standard allows RLUSD to maintain its native properties on each blockchain where it is issued, eliminating the need to create synthetic or wrapped assets that have historically presented security vulnerabilities.
In this scheme, Optimism functions as a crucial access point that connects to a broader ecosystem of superchains, facilitating the flow of institutional capital to move into Base, Ink, and Unichain with minimal friction.
In general terms, this commitment to blockchain interoperability is fundamental to the company's long-term strategy. By enabling native cross-chain transfers, Ripple ensures that its stablecoin can be used in lending, exchange, and payment applications on any of these networks, without the end user having to worry about the underlying technical complexity.
The current testing phase will serve to validate the robustness of these connections before requesting final approval for the public deployment in 2026, subject to regulatory approval.
Regulatory compliance as a competitive advantage
In a market saturated with options, Ripple has chosen to differentiate its product through strict adherence to financial regulations. RLUSD is issued under a trust company charter granted by the New York Department of Financial Services, This guarantees bank-level oversight of the reserves backing the token's value. The company has also revealed that it is in the process of requesting a letter from the Office of the Comptroller of the CurrencyThis could eventually grant it a dual regulatory structure, both state and federal, a status that no other competitor currently possesses in the US market.
This compliance architecture is vital to attracting large amounts of capital that have so far stayed away from decentralized finance for fear of legal uncertainty.
Ripple's global expansion, which already has more than 75 licenses worldwide And its recognition in financial centers like Dubai and Abu Dhabi reinforces the narrative that RLUSD is an instrument designed for the formal economy. The regulated stablecoin seeks to offer the security demanded by corporate treasurers, combined with the programmable agility offered by modern blockchain networks.
Strengthening the XRP ecosystem
Given this expansion, experts point out that the introduction of RLUSD into new networks does not imply a displacement of the native XRP token, but rather a complementary integration intended to enhance both assets.
The core idea is to combine both assets to generate highly liquid trading pairs, allowing users to efficiently conduct exchanges, payments, and other financial services. In this way, XRP gains practical ground beyond its original network, expanding its role in the crypto ecosystem.
On the other hand, this technological advancement comes at a time of financial strength for the company. Ripple has just raised $500 million in a funding round led by investors such as Fortress and Citadel Securities, bringing its valuation to $40.000 billion.
While the global stablecoin market is approaching $300.000 billion in capitalization, the firm has the necessary muscle to compete for a larger share, making its products a key link between conventional banking and decentralized finance.
Towards an integrated financial system
The pilot phase now beginning on the Optimism, Base, Ink, and Unichain networks represents a calculated step toward a future where the barriers between different blockchains dissolve in favor of usability. While the industry closely monitors the technical performance of these tests, attention is also focused on the response of New York regulators to this operational expansion.
If Ripple successfully executes this multichain deployment while maintaining its compliance credentials, it could redefine how value moves across the internet, consolidating a more mature, secure, and accessible digital financial infrastructure for all players in the global market.
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