A total of 28.6 million funded Robinhood users are set to gain access to the RLUSD stablecoin by the end of this year. This follows an announcement expanding the partnership between Robinhood and Ripple to distribute the dollar-backed asset across both retail and institutional segments. Prior to arriving on the flagship app, the token was already active on the Robinhood Chain network and the Bitstamp exchange.
However, rolling out the token to the retail app represents only half of the agreement between the two firms.
Corporate Treasury and Liquidity Automation
Behind the customer-facing interface, Robinhood is adopting Ripple Treasury software for its internal operations. The platform manages global cash operations, liquidity tracking, disbursements, cash flow forecasting, and inter-affiliate netting across corporate divisions.
The deployment of the treasury system comes alongside the expanding market footprint of RLUSD. Since its debut in December 2024, the Ripple-issued token has surpassed a $2.5 billion market capitalization. DeFiLlama data indicates its market cap currently stands at $2.57 billion, with nearly $1 billion circulating directly on the XRP Ledger network.
Integration into Bitstamp’s Institutional Business
Bitstamp, the crypto exchange acquired by Robinhood for $200 million in June 2025, serves as another critical pillar in this rollout. Bitstamp is expanding its collaboration with Ripple Prime to offer margin financing facilities across 20 digital assets, while simultaneously preparing to introduce perpetual futures contracts.
Robinhood will also leverage RLUSD on the XRP Ledger for institutional transaction settlements across Bitstamp’s operations. This setup establishes the dollar token as a settlement asset among institutional market participants.
Trust Bank Charter and New Partners
The integration was announced in New York at the annual Ripple Swell 2026 conference. The announcement coincided with regulatory approval from the Office of the Comptroller of the Currency (OCC), the U.S. banking regulator, which granted Ripple permission to establish a national trust bank to manage RLUSD reserves.
At the same time, Ripple widened its partner network across financial markets. BNY Mellon expanded its digital asset custody partnership with Ripple, while working capital platform C2FO teamed up to facilitate instant settlements, or Instant Pay, using RLUSD on the XRP Ledger network.
For tens of millions of Robinhood account holders, RLUSD introduces an additional digital dollar option once the feature rolls out; for Ripple, the alliance integrates its infrastructure directly into the treasury architecture and exchange business of a publicly traded brokerage.
Reported via Cointelegraph.
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Disclaimer: This article is for informational and educational purposes only, not financial advice. Cryptocurrency assets are highly volatile and carry significant risk. Always do your own research (DYOR) and never invest more than you can afford to lose.
