Growing momentum around regulated stablecoins continues to shape institutional crypto adoption. Ripple shared an insight on Dec. 15 outlining how stablecoin Ripple USD (RLUSD) is expanding to Layer 2 networks as part of a broader multichain strategy aimed at scalable, compliant onchain finance.

The company stated:

Today, Ripple is taking an important step toward that future, with the launch of RLUSD on its first Layer 2 (L2) networks ahead of its official debut next year (pending regulatory approval).

“Testing will begin on Optimism, Base, Ink, and Unichain, in partnership with Wormhole—one of the leading multichain interoperability protocols—and its NTT token standard,” the disclosure adds.

This rollout builds on RLUSD’s initial issuance on the XRP Ledger and Ethereum, positioning Optimism as a gateway to a broader Layer 2 ecosystem while enabling controlled, cross-chain liquidity movement through Wormhole’s Native Token Transfers framework.

Ripple Senior Vice President of Stablecoin Jack McDonald opined: “By launching RLUSD—the first US Trust Regulated stablecoin on these L2 networks—we are not just expanding utility; we are setting the definitive standard where compliance and on-chain efficiency converge.”

Read more: Ripple National Trust Bank Receives Conditional Approval in Massive Step for RLUSD

Regulatory alignment and ecosystem utility remain central to RLUSD’s design. The company emphasized:

A truly successful digital asset ecosystem needs a reliable, stable currency. Ripple prioritizes issuing RLUSD wherever there is demand for XRP (wXRP), strengthening the utility of both assets.

RLUSD operates under a New York Department of Financial Services Trust Company Charter, providing bank-level oversight and transparency requirements. Ripple has also received conditional approval for an Office of the Comptroller of the Currency (OCC) charter, which would place the company under federal supervision in addition to state regulation. Internationally, RLUSD has received regulatory recognition in jurisdictions including Dubai and Abu Dhabi, reflecting Ripple’s global compliance footprint of more than 75 licenses. The expansion aligns with Hex Trust’s issuance of wrapped XRP to support cross-chain interoperability, enabling XRP and RLUSD to function as a liquidity pair across supported networks for payments, swaps, lending, and other onchain financial services. Ripple expects additional chain integrations next year, subject to regulatory approval, as RLUSD advances toward a regulated multichain future.

• What is Ripple USD (RLUSD)?
  RLUSD is a US Trust Regulated stablecoin issued by Ripple under a New York Department of Financial Services Trust Company Charter.
• Which Layer 2 networks will support RLUSD first?
  Testing for RLUSD will begin on Optimism, Base, Ink, and Unichain.
• How does Wormhole support RLUSD’s multichain strategy?
  Wormhole enables controlled cross-chain liquidity through its Native Token Transfers framework.
• Why is regulation central to RLUSD’s expansion?
  Ripple positions RLUSD as a compliant stablecoin with bank-level oversight to support institutional onchain finance.

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