Robinhood expects to add Ripple USD (RLUSD) to its app later in 2026 under an agreement announced Oct. 27 that also includes plans for institutional settlement on the XRP Ledger, according to Ripple. The announcement did not specify a launch date or which countries or states will be eligible for the app rollout.
Existing exchange access
The agreement expands an existing relationship between Ripple and Robinhood. Ripple said RLUSD was already live on Robinhood Chain and on Bitstamp, which is owned by Robinhood, when the partnership was announced. Bitstamp announced its RLUSD listing on Jan. 8, 2025, using the Ethereum network. Its notice listed trading pairs against the euro, US dollar, USDT, Bitcoin, Ethereum, and XRP, while excluding the EU and warning that not every pair was available in every jurisdiction.
Bitstamp’s listing notice described RLUSD as backed by cash and cash equivalents and supported on both Ethereum and the XRP Ledger, though its own listing then used Ethereum. The January 2025 EU exclusion does not provide an eligibility answer for Robinhood’s future app rollout.
Institutional settlement and treasury integration
Robinhood plans to use RLUSD on the XRP Ledger for institutional settlement of transactions between financial firms across Bitstamp’s institutional business. Ripple’s announcement does not say when the service will begin or how much it will settle.
Robinhood also plans to integrate Ripple Treasury for its own cash and liquidity management, forecasting, payments, risk management, and intercompany netting, which offsets amounts owed between parts of the company. That addresses the company’s financial operations, a separate part of the agreement from customer access to RLUSD.
Ripple Prime provides Bitstamp with lending and margin financing across roughly 20 digital assets and gives Prime clients access to Bitstamp spot trading. Prime support for Bitstamp perpetual futures is planned for later in 2026.
For Robinhood app customers, the next milestone is a launch notice specifying eligibility and supported RLUSD functions. For institutions, a settlement start date and reported activity would show how far the agreement has moved into operation.
