RLUSDvsU
Ripple USD vs United Stables — side-by-side comparison of supply, chains, backing, and peg data.
Side-by-side
RLUSD — Ripple USD
U — United Stables
30-day peg stability dotted line = target · both charts share one scale
What the last 30 days show
Over the last 30 days RLUSD supply moved +2.2% and U +17.4% — U grew faster. RLUSD held the tighter band: worst deviation 2 bps against 9 bps.
Key differences
- RLUSD is roughly 1.3× larger than U by USD circulation value ($1.58B vs $1.21B).
- RLUSD ranks #12 while U ranks #15 among all tracked stablecoins.
- Both are pegged to the same currency (USD), so they compete directly for the same use cases.
- RLUSD is a fiat-backed stablecoin; U is crypto-backed. Different mechanism, different failure modes.
- Reserves differ — RLUSD holds cash & deposits (ripple), U holds stablecoin basket.
- Chain coverage is comparable: RLUSD on 2 chains, U on 3.
- Primary chain differs — most RLUSD supply lives on XRPL, while most U supply is on BSC.
Full comparison table
| Metric | RLUSD | U |
|---|---|---|
| USD circulation value | $1.58B | $1.21B |
| Rank (by USD value) | #12 | #15 |
| Peg | USD | USD |
| Mechanism | fiat-backed | crypto-backed |
| Backing | Cash & deposits (Ripple) | Stablecoin basket |
| Chains deployed | 2 | 3 |
| Primary chain | XRPL | BSC |
| Issuer | Ripple | — |
| CoinGecko | View → | View → |
Frequently Asked Questions
What's the main difference between RLUSD and U?
Both track USD, so they compete for the same use cases. RLUSD holds cash & deposits (ripple); U holds stablecoin basket. RLUSD ranks #12 by USD value and U ranks #15.
Which is bigger, RLUSD or U?
RLUSD is larger, with $1.58B in circulation vs $1.21B for U. That's roughly 1.3× the size.
Is RLUSD safer than U?
Neither is inherently safer. Safety turns on reserve composition, issuer transparency, redemption rights and regulatory oversight — none of which this page audits. RLUSD uses a fiat-backed model; U uses a crypto-backed one. Read each issuer's most recent reserve attestation before choosing.
Can I convert between RLUSD and U?
Yes. RLUSD and U both trade on major centralized and decentralized exchanges. Since both track USD, the exchange rate is typically very close to 1:1. Direct swap protocols on Ethereum, Solana, and other chains offer the tightest spreads.
Should I choose RLUSD or U?
The right choice depends on your use case. Consider: which chain do you need? RLUSD is available on 2 chains and U on 3. What backing do you prefer? What's your integration surface (exchanges, DeFi protocols, payment providers)? Both have deep liquidity, so market cap alone shouldn't decide it.