Ripple USD (RLUSD) has surged to the top of Bluechip’s stablecoin rankings, signaling renewed investor confidence in regulated digital dollars designed for institutional-grade transparency and control. Independent rating agency Bluechip announced on July 18 that it initiated coverage of RLUSD, the U.S. dollar-backed stablecoin issued by Ripple, with an “A” rating. Bluechip wrote on social media platform X on July 18:

The highest-rated stablecoin on Bluechip has never changed. But today, RLUSD becomes the new #1 ranked stablecoin. Bluechip is beginning coverage for RLUSD by Ripple with an initial rating of A.

RLUSD immediately became the platform’s highest-rated stablecoin, based on category scores of 0.91 in stability, 0.84 in management, and 0.86 in governance. Bluechip classifies these as “Stable” and “Very low risk.” RLUSD is backed by a mix of U.S. Treasury bills, government money market funds, and bank deposits, assets that Bluechip identifies as having minimal credit and duration risk. In addition to its asset structure, RLUSD is regulated by the New York Department of Financial Services (NYDFS), which imposes strict requirements on custody, reserves, and reporting.

Bluechip’s stablecoin assessments place Gemini’s GUSD third and PayPal’s PYUSD fifth. Circle’s USDC earned a “B+” rating, in stark contrast to Tether’s USDT, which was notably assigned a “D.”

Ripple is expanding its regulatory footprint, applying for a license in Luxembourg for EU operations and a national trust bank charter in the U.S. Key partnerships with BNY Mellon for reserves custody and Amina Bank for direct support underscore growing institutional adoption, positioning RLUSD to bridge traditional finance and crypto markets. Ripple responded to the Bluechip rating announcement on July 18 on X:

Built for enterprise use cases, RLUSD delivers the security, compliance, and scale global businesses demand. We appreciate Bluechip’s A rating and recognition of RLUSD as the market’s most trusted stablecoin.

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