En resumen: Ripple emite RLUSD. Entidad emisora: Standard Custody & Trust Company, LLC (RLUSD issuer, Ripple subsidiary); parent Ripple Labs Inc. (Delaware). Sede: San Francisco, US. Estado: Active. Licencias registradas: 8 (5 autorizadas; 4 confirmadas en el registro público oficial de un regulador). Informes de reservas: monthly (Deloitte & Touche LLP). Datos de referencia a 2026-10-26.

Ripple PRIORIDAD 4 Verificado
Empresa
Productos y emisión EN VIVO
Distribución
Productos REFERENCIA · sitio oficial del emisor · as of 2026-10-26
NYDFS-supervised USD stablecoin for institutions
Move money across stablecoins, crypto and local currencies
Store and manage digital assets with institutional governance
Multi-asset clearing, cross-margining and financing
Live 15 Oct 2026: 24/7 swaps on 100+ reference markets (equities, ETFs, metals, energy, FX) referencing Trade.xyz perps on Hyperliquid; RLUSD accepted as collateral; offered from Ripple Prime’s CIV BVI licence
Cash visibility, forecasting and risk management (powered by GTreasury)
Real-world assets onchain via Ripple custody and the XRP Ledger
Socios oficiales (74) REFERENCIA · sitio oficial del emisor · as of 2026-10-26
Tokenised share classes of its GBP Liquidity Fund (26 Oct 2026) and USD Liquidity Fund (Jul 2026) on the XRP Ledger · UK / IE
En vivoPhase 1: BTG Pactual fund shares mirrored on the XRP Ledger as MPTs; native issuance (CRI/CRA) planned later (29 Sep 2026) · Brazil
En vivoLicencias y autorizaciones en el mundo (10 confirmadas en registros de reguladores · 61 entradas estatales de EE. UU. declaradas por Ripple · 1 pendientes)
A fecha de 2026-10-26. Solo licencias de entidades; los reconocimientos de tokens y filas que no son licencias se listan aparte abajo. Los datos del Compliance Score no cambian en esta versión.
Confirmado en el registro del regulador
| Jurisdicción | Regulador | Entidad | Licencia / detalle | Fecha | Evidencia |
|---|---|---|---|---|---|
| US-NY | NYDFS | Ripple Markets DE LLC (f/k/a XRP II LLC) | Virtual Currency License (BitLicense) | 2016-06 | Confirmado en el registro del reguladorfuente ↗ |
| US-NY | NYDFS | Standard Custody & Trust Company, LLC | Limited Purpose Trust Charter (RLUSD issuer) | 2021-05 | Confirmado en el registro del reguladorfuente ↗ |
| US | FinCEN | Ripple Markets DE LLC | Money Services Business registration — activities in all states | 12/03/2024 | Confirmado en el registro del reguladorfuente ↗ |
| US | FinCEN | Standard Custody & Trust Company, LLC | Money Services Business registration — 17 states + PR | 12/05/2025 | Confirmado en el registro del reguladorfuente ↗ |
| LU / EU | CSSF | Ripple Payments Europe S.A. | Electronic Money Institution, W00000021 | 29/01/2026 | Confirmado en el registro del reguladorfuente ↗ |
| LU / EU | CSSF | Ripple Payments Europe S.A. | MiCA crypto-asset service provider (CASP), N00000014 — CSSF register date | 03/07/2026 | Confirmado en el registro del reguladorfuente ↗ |
| EU (EEA) | ESMA | Ripple Payments Europe S.A. (LEI 2549000KEHDV2LWRRZ45) | MiCA CASP authorisation — services (c) exchange of crypto-assets for funds, (d) crypto-to-crypto exchange, (j) transfer services; passported to 29 EEA states + LU home = 30 EEA | 29/06/2026 | Confirmado en el registro del reguladorfuente ↗ |
| UK | FCA | Ripple Markets UK Ltd (FRN 1028021) | Electronic Money Institution + cryptoasset (MLR) registration; restrictions apply — see register | 09/01/2026 | Confirmado en el registro del reguladorfuente ↗ |
| SG | MAS | Ripple Markets APAC Pte. Ltd. | Major Payment Institution incl. digital payment token service | — | Confirmado en el registro del reguladorfuente ↗ |
| AE-DIFC | DFSA | Ripple Middle East Ltd (F008529) | DFSA licensed firm | 11-Mar-2025 | Confirmado en el registro del reguladorfuente ↗ |
Fuentes EU MiCA (Ripple Payments Europe S.A.): ESMA CASPS.csv (authorised 29/06/2026) ↗AMF white list — Ripple Payments Europe SA ↗Ripple: preliminary MiCA CASP licence (23 Jun 2026) ↗Ripple: full EU MiCA CASP licence (6 Jul 2026) ↗Registros MiCA de ESMA ↗
Licencias estatales de transmisor de dinero en EE. UU. — declaradas por Ripple
Listado según ripple.com/legal/money-transfer-license ↗. NMLS Consumer Access no estuvo disponible para verificaciones automáticas el 2026-10-26; verifique mediante los enlaces de NMLS.
Ripple Markets DE LLC — 44 entradas · NMLS ID 2314015 ↗ Declarado por Ripple (registro aún no verificado)
| Jurisdicción | Tipo de licencia; número | Regulador | Evidencia |
|---|---|---|---|
| Alabama | Money Transmitter License; 901 | Alabama Securities Commission | fuente ↗ |
| Alaska | Money Transmitter License; AKMT-016737 | Alaska Department of Commerce, Community and Economic Development, Division of Banking & Securities | fuente ↗ |
| Arizona | Money Transmitter; 1041614 | Arizona Department of Financial Institutions | fuente ↗ |
| Arkansas | Money Transmitter License; 129566 | Arkansas Securities Department | fuente ↗ |
| Colorado | Money Transmitter License; 500319 | Colorado Division of Banking | fuente ↗ |
| Connecticut | Money Transmission License; MT-2314015 | Connecticut Department of Banking | fuente ↗ |
| Delaware | Check Seller, Money Transmitter License; 038949 | Delaware Office of the State Bank Commissioner | fuente ↗ |
| District of Columbia | Money Transmitter License; MTR2314015 | District of Columbia Department of Consumer and Regulatory Affairs | fuente ↗ |
| Florida | Money Transmitter License; FT230000514 | Florida Office of Financial Regulation | fuente ↗ |
| Georgia | Seller of Payment Instruments License; 2314015 | Georgia Department of Banking and Finance | fuente ↗ |
| Idaho | Money Transmitter License; MTL - 336 | Idaho Department of Finance, Securities Bureau | fuente ↗ |
| Illinois | Money Transmitter License; MT.0000465 | Illinois Department of Financial and Professional Regulation | fuente ↗ |
| Iowa | Money Services License; 2022-0165 | State of Iowa Division of Banking | fuente ↗ |
| Kansas | Money Transmitter License; MT.0000234 | Kansas Office of the State Bank Commissioner | fuente ↗ |
| Kentucky | Money Transmitter License; SC805989 | Kentucky Department of Financial Institutions | fuente ↗ |
| Louisiana | Sale of Checks and Money Transmitters | Louisiana Office of Financial Institutions | fuente ↗ |
| Maine | Money Transmitter License | Maine Department of Professional & Financial Regulation, Bureau of Consumer Credit Protection | fuente ↗ |
| Maryland | Money Transmitter License; 2314015 | Maryland Commissioner of Financial Regulation | fuente ↗ |
| Michigan | Money Transmitter License; MT0024623 | Michigan Department of Insurance and Financial Institutions | fuente ↗ |
| Minnesota | Money Transmitter License; MN-MT-2314015 | Minnesota Department of Commerce and Financial Institutions Division | fuente ↗ |
| Mississippi | Money Transmitter License; MT/2314015/2022 | Mississippi Department of Banking and Consumer Finance | fuente ↗ |
| Missouri | Sale of Checks (Money Transmitter); MO-23-9199 | Missouri Division of Finance | fuente ↗ |
| Nebraska | Money Transmitter License | Nebraska Department of Banking and Finance | fuente ↗ |
| Nevada | Money Transmitter License; MT11202 | Nevada Financial Institutions Division | fuente ↗ |
| New Hampshire | Money Transmitter License; 2314015MT | New Hampshire Banking Department | fuente ↗ |
| New Mexico | Money Transmission License | New Mexico Financial Institutions Division | fuente ↗ |
| New York | Money Transmitter License | New York Department of Financial Services | fuente ↗ |
| New York | Virtual Currency Business Licence | New York Department of Financial Services | fuente ↗ |
| North Dakota | Money Transmitter License; MT104204 | North Dakota Department of Financial Institutions | fuente ↗ |
| Ohio | Money Transmitter License; OHMT 249 | Ohio Division of Financial Institutions | fuente ↗ |
| Oklahoma | Money Transmission License | Oklahoma Banking Department | fuente ↗ |
| Oregon | Money Transmission License | Oregon Department of Consumer and Business Services | fuente ↗ |
| Pennsylvania | Pennsylvania Money Transmitter, 103404 | Pennsylvania Department of Banking and Securities | fuente ↗ |
| Puerto Rico | Money Transmitter License; TM-167 | Puerto Rico Bureau of Financial Institutions | fuente ↗ |
| Rhode Island | Currency Transmitter; 20234616CT | State of Rhode Island Department of Business Regulation, Division of Banking | fuente ↗ |
| South Carolina | Money Transmitter License | South Carolina Office of the Attorney General, Money Services Division | fuente ↗ |
| South Dakota | Money Transmitter License; 2314015.MT | South Dakota Department of Labor and Regulation, Division of Banking | fuente ↗ |
| Tennessee | Money Transmitter License; 2314015 | Tennessee Department of Financial Institutions | fuente ↗ |
| Texas | Money Transmitter License; 3541 | Texas Department of Banking | fuente ↗ |
| Utah | Money Transmitter License; 217 | Utah Department of Financial Institutions | fuente ↗ |
| Vermont | Money Transmitter; MT-2314015 | Vermont Department of Banking | fuente ↗ |
| Washington | Money Transmitter (includes Currency Exchange); 550-MT-147181 | Washington Department of Financial Institutions | fuente ↗ |
| West Virginia | Money Transmitter License; WVMT-2314015 | West Virginia Division of Financial Institutions | fuente ↗ |
| Wisconsin | Seller of Checks; 226-SOC | Wisconsin Department of Financial Institutions, Division of Banking | fuente ↗ |
Standard Custody & Trust Company, LLC — 17 entradas · NMLS ID 2261284 ↗ Declarado por Ripple (registro aún no verificado)
| Jurisdicción | Tipo de licencia; número | Regulador | Evidencia |
|---|---|---|---|
| Connecticut | Money Transmission License; MT-2261284 | Connecticut Department of Banking | fuente ↗ |
| Georgia | Seller of Payment Instruments License; 2261284 | Georgia Department of Banking and Finance | fuente ↗ |
| Iowa | Money Services License; 2022-0208 | State of Iowa Division of Banking | fuente ↗ |
| Kansas | Money Transmitter License; MT.0000243 | Kansas Office of the State Bank Commissioner | fuente ↗ |
| Kentucky | Money Transmitter License; SC809275 | Kentucky Department of Financial Institutions | fuente ↗ |
| Maine | Money Transmitter License | Maine Department of Professional & Financial Regulation, Bureau of Consumer Credit Protection | fuente ↗ |
| Maryland | Money Transmitter License; 2261284 | Maryland Commissioner of Financial Regulation | fuente ↗ |
| Minnesota | Money Transmitter License; MN-MT-2261284 | Minnesota Department of Commerce and Financial Institutions Division | fuente ↗ |
| Mississippi | Money Transmitter License; 2261284 | Mississippi Department of Banking and Consumer Finance | fuente ↗ |
| New Mexico | Money Transmission License | New Mexico Financial Institutions Division | fuente ↗ |
| New York | Limited Purpose Trust Charter | New York Department of Financial Services | fuente ↗ |
| North Dakota | Money Transmitter License; MT104761 | North Dakota Department of Financial Institutions | fuente ↗ |
| Ohio | Money Transmitter License; OHMT 260 | Ohio Division of Financial Institutions | fuente ↗ |
| Oklahoma | Money Transmission License | Oklahoma Banking Department | fuente ↗ |
| Puerto Rico | Money Transmitter License; TM-153 | Puerto Rico Bureau of Financial Institutions | fuente ↗ |
| Rhode Island | Currency Transmitter; 20244803CT | State of Rhode Island Department of Business Regulation, Division of Banking | fuente ↗ |
| South Dakota | Money Transmitter License; 2261284.MT | South Dakota Department of Labor and Regulation, Division of Banking | fuente ↗ |
Pendiente
| Jurisdicción | Regulador | Entidad | Licencia / detalle | Fecha | Evidencia |
|---|---|---|---|---|---|
| US | OCC | Ripple National Trust Bank (proposed) | National trust bank — preliminary conditional approval only; document could not be re-opened on 2026-10-26 | 12 Dec 2025 | Pendiente — documento del reguladorfuente ↗ |
Reconocimientos del token (RLUSD — no son licencias de entidad)
| Jurisdicción | Regulador | Entidad | Licencia / detalle | Fecha | Evidencia |
|---|---|---|---|---|---|
| AE-DIFC | DFSA | RLUSD | Recognised Crypto Token | 3 Jun 2025 | Anunciado por el emisorfuente ↗ |
| AE-ADGM | FSRA (ADGM) | RLUSD (Ethereum & XRPL) | Accepted Fiat-Referenced Token | 27 Nov 2025 | Anunciado por el emisorfuente ↗ |
EU MiCA: RLUSD no figura en el registro MiCA EMT de ESMA y ninguna entidad de Ripple aparece como emisora EMT/ART (verificado 2026-10-26; Registros MiCA de ESMA ↗).
Contexto — no son licencias de Ripple
| Jurisdicción | Organismo | Elemento | Estado | Fuente |
|---|---|---|---|---|
| US | OCC / Treasury | GENIUS Act payment-stablecoin regime | Regime status: enacted 18 Jul 2025, not yet effective — not a Ripple licence | fuente ↗ |
| JP | FSA / Kanto Finance Bureau | Third-party distributor licence (SBI VC Trade, EPIESP No. 00001), not Ripple | RLUSD distributed by SBI VC Trade | fuente ↗ |
| HK | HKMA | Licensed stablecoin issuer | No figura en el registro (verificado 2026-10-26) | fuente ↗ |
Marcas (solo USPTO)
Estado según los registros USPTO TSDR (titular: Ripple Labs Inc.). XRP omitido — titular actual no verificado. UE / Reino Unido / OMPI: no verificado.
| Marca | N.º | Estado | TSDR |
|---|---|---|---|
| RIPPLE (word) | Reg. 4453543 | Registrado | TSDR ↗ |
| RIPPLE (word) | Reg. 6019275 | Registrado | TSDR ↗ |
| RIPPLE (word) | Reg. 6019281 | Registrado | TSDR ↗ |
| RIPPLE (word) | SN 99826260 | Solicitud pendiente | TSDR ↗ |
| RIPPLE (logo) | Reg. 4528771 | Registrado | TSDR ↗ |
| RIPPLE (logo) | Reg. 6019276 | Registrado | TSDR ↗ |
| RIPPLE (logo) | Reg. 6019282 | Registrado | TSDR ↗ |
| RIPPLE (logo) | Reg. 5487954 | Registrado | TSDR ↗ |
| RIPPLE (logo) | Reg. 5644454 | Registrado | TSDR ↗ |
| RIPPLE (logo) | SN 99826264 | Solicitud pendiente | TSDR ↗ |
| RLUSD | SN 98537677 | Solicitud — no registrado | TSDR ↗ |
| RIPPLE USD | SN 98537667 | Solicitud — no registrado | TSDR ↗ |
| RIPPLENET | Reg. 6019283 | Registrado | TSDR ↗ |
| RIPPLENET | Reg. 7012936 | Registrado | TSDR ↗ |
| RIPPLEX | Reg. 7218441 | Registrado | TSDR ↗ |
| RIPPLEX | Reg. 7313692 | Registrado | TSDR ↗ |
| RIPPLE LIQUIDITY HUB | Reg. 7502906 | Registrado | TSDR ↗ |
| ON-DEMAND LIQUIDITY | Reg. 6291362 | Registrado | TSDR ↗ |
Reservas, custodia y atestación
Condiciones de reembolso
Redemption at par for eligible institutional customers with SLAs (NYDFS requirement); see RLUSD Stablecoin User Terms
Controles: congelación / clawback / admin
Congelado / en lista negra / incautado
Mercados públicos y productos cotizados (12) REFERENCIA · patrocinador / exchange / registros ante SEC y CFTC · as of 2026-10-26
| Ticker | Producto | Patrocinador | Exchange | Lanzamiento | Tipo | Estado | Fuente |
|---|---|---|---|---|---|---|---|
| XXRP | Teucrium 2x Long Daily XRP ETF | Teucrium | NYSE Arca | 2025-04-08 | 2x leveraged ETF (1940 Act) | Listado | fuente ↗ |
| XRPR | REX-Osprey XRP ETF | REX-Osprey | Cboe | 2025-09-18 | Spot (1940 Act; majority spot XRP) | Listado | fuente ↗ |
| XRPC | Canary XRP ETF | Canary Capital | Nasdaq | 2025-11-13 | Spot | Listado | fuente ↗ |
| XRP | Bitwise XRP ETF | Bitwise | NYSE | 2025-11-20 | Spot | Listado | fuente ↗ |
| GXRP | Grayscale XRP Trust ETF | Grayscale | NYSE Arca | 2025-11-24 | Spot ETP (not 1940 Act) | Listado | fuente ↗ |
| XRPZ | Franklin XRP ETF | Franklin Templeton | NYSE Arca | 2025-11-24 | Spot (grantor trust) | Listado | fuente ↗ |
| TOXR | 21Shares XRP ETF | 21Shares | Cboe BZX | 2025-12-11 | Spot (not 1940 Act) | Listado | fuente ↗ |
| UXRP | ProShares Ultra XRP | ProShares | — | — | 2x leveraged ETF | Listado (página del producto) | fuente ↗ |
| XRPI | Volatility Shares XRP ETF | Volatility Shares | — | — | — | Listado (página del producto) | fuente ↗ |
| XRPT | Volatility Shares 2x XRP ETF | Volatility Shares | — | — | 2x leveraged ETF | Listado (página del producto) | fuente ↗ |
| XRP / MXP | CME XRP Futures & Micro XRP Futures | CME Group | CME Globex | 2025-05-19 | Cash-settled futures (50,000 / 2,500 XRP) | Listado | fuente ↗ |
| XRPN | Evernorth Holdings, Inc. (Class A) | Evernorth (Ripple among investors) | Nasdaq Global Market | 2026-10-12 | Public company — XRP treasury | Listado | fuente ↗ |
Alianzas con gobiernos y el sector público (6) REFERENCIA · sala de prensa del emisor / sitios oficiales de gobiernos · as of 2026-10-26
Digital Ngultrum CBDC pilot — Pilot of retail, cross-border and wholesale CBDC use cases on Ripple’s CBDC Private Ledger
Digital currency strategy & pilot — Agreement to develop a CBDC or national stablecoin strategy and pilot
e-HKD Pilot Programme (with Fubon Bank) — Real-estate tokenization use case with e-HKD on Ripple CBDC Platform
High-value payments blockchain pilot — Pilot of high-value payment use cases on Ripple CBDC Platform (with Peersyst), through end-2023
Palau Stablecoin (PSC) pilot — USD-backed PSC on XRPL; Phase 1 with ~200 government employees and local merchants
Digital Lari (GEL) CBDC pilot — Ripple selected as single technology partner for the Digital Lari pilot
Cooperación con gobiernos y fuerzas del orden
Issuer can freeze trust lines and claw back RLUSD on XRPL; no public law-enforcement freeze statistics published
fuente ↗Acciones regulatorias e historial de sanciones
Pagos de agentes de IA
RippleX: x402 support lets agents transact with XRP and RLUSD; Ripple is premier member of x402 Foundation (Linux Foundation)
fuente ↗RLUSD entre las stablecoins admitidas; RippleX socio de lanzamiento
fuente ↗Socios
Historial de desanclajes (>50 pb, diario) En vivo
Préstamos y colateral
| Elemento | Tipo | Estado | Fecha | Fuente |
|---|---|---|---|---|
| 24/7 Returns via Ripple Treasury: eligible corporate customers may earn returns on qualifying digital assets, including RLUSD, held in a Ripple wallet — subject to meeting program requirements | Rendimientos (tesorería) | Anunciado | 2026-10-26 | ripple.com ↗ |
| Standard Chartered institutional custody of RLUSD on the XRP Ledger (via SCB DIFC Branch, DFSA-regulated) | Custodia | En vivo | 2026-10-12 | sc.com ↗ |
| RLUSD as eligible collateral for agreed LMAX Group products via Standard Chartered collateral mirroring (subject to documentation, testing, approvals) | Colateral | Planificado | 2026-10-12 | ripple.com ↗ |
| Clearpool × Cicada Partners × Ripple institutional RLUSD credit fund on XRPL (XLS-65 vaults / XLS-66 Lending Protocol; testing on Devnet, amendments in voting) | Lending | Planificado | 2026-08-20 | clearpool.finance ↗ |
Direcciones oficiales de contratos
| Moneda | Red | Dirección | Explorador | Verificado | |
|---|---|---|---|---|---|
| RLUSD | XRP Ledger (cuenta del emisor) | rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De | livenet.xrpl.org ↗ | ✓ página del emisor | |
| RLUSD | Ethereum (proxy) | 0x8292bb45bf1ee4d140127049757c2e0ff06317ed | etherscan.io ↗ | ✓ página del emisor | |
| RLUSD | Base (proxy) | 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258 | basescan.org ↗ | ✓ página del emisor | |
| RLUSD | Ink (proxy) | 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258 | explorer.inkonchain.com ↗ | ✓ página del emisor | |
| RLUSD | Optimism (proxy) | 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258 | explorer.optimism.io ↗ | ✓ página del emisor | |
| RLUSD | Unichain (proxy) | 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258 | unichain.blockscout.com ↗ | ✓ página del emisor | |
| RLUSD | XRPL EVM Sidechain (proxy) | 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258 | explorer.xrplevm.org ↗ | ✓ página del emisor |