A real wallet for your Ripple USD (RLUSD)
RLUSD · Multichain networkLooking for a Ripple USD wallet or a RLUSD wallet app that does more than just hold? Zypto App is a non-custodial multichain DeFi wallet where you can hold RLUSD, swap into 24,000+ assets across 20+ chains, connect to dApps and put your crypto to work in the real world. All from one app, your keys on your device.
Ripple USD (RLUSD) in Zypto: built for holders who actually use their crypto
Most Ripple USD wallets do one thing: hold RLUSD. Zypto App is a full DeFi wallet built for actually using it. Hold RLUSD non-custodially on the Multichain network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.
Whether you're new and looking for your first Ripple USD wallet app or your first RLUSD wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.
From your first RLUSD to your first swap - Zypto walks the path
New to Ripple USD? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working RLUSD wallet in under a minute. Add your first RLUSD by receiving from another wallet, or by buying in-app where supported.
From zero to using Ripple USD
Get the app
Download Zypto App on iOS or Android. Generate your recovery phrase. Your keys stay on your device.
Add RLUSD
Receive RLUSD from another wallet, or buy in-app where supported.
Use it everywhere
Top up the Zypto Premium Visa Card, swap into other assets, pay bills, or buy gift cards.
Your Ripple USD is secured by you
Zypto App is non-custodial. Your private keys are generated and stored on your device, Zypto never has access to your RLUSD and every transaction is signed locally. For account access, every user sets a PIN with optional biometric security (fingerprint or face recognition). You can also filter your wallet to show only verified tokens, protecting you from random airdrops or unsafe assets. For offline hardware wallet security, pair with the Vault Key Card, card-based cold-wallet hardware that signs transactions over NFC, keys never touch the internet.
What is Ripple USD?
Ripple USD, traded as RLUSD, is a US dollar stablecoin designed to hold a steady value of roughly one dollar. It is backed by reserves and issued to serve as a stable settlement asset for payments and on-chain transactions. The stablecoin operates on the XRP Ledger and on Ethereum, allowing it to move across more than one network depending on where users need it. Its purpose is to give people a dollar-denominated asset that avoids the price swings common to most cryptocurrencies. Like other fiat-backed stablecoins, its usefulness depends on the strength and transparency of its reserves. You can follow the RLUSD price and hold it in a self-custody wallet.
Beyond holding: what your Ripple USD can actually do
Zypto App connects your Ripple USD to real-world spending. Swap into supported coins in-app, use your Ripple USD in the real world.
Vault Key Card cold storage
Card-based cold-wallet hardware. NFC-tap to sign Ripple USD transactions, keys never touch the internet.
Vault Key CardUse a Crypto Visa Card
Load the Zypto Premium Visa Card with crypto. Physical and virtual cards, use them wherever Visa is accepted.
Crypto cardsPay bills with Ripple USD
Settle utility bills and mobile contracts with billers worldwide, paid with crypto from your Zypto wallet.
Bill payBuy gift cards with RLUSD
Gift cards from popular brands, paid with crypto. Settle in-app, redeem instantly.
Gift cardsTop up any phone
Send mobile credit across many countries in seconds. Pay with crypto, recipient gets local airtime.
Mobile top-upsCross-chain swaps
Swap Ripple USD into 24,000+ assets across 1,000,000+ cross-chain routes. All in-app, all in two taps.
Multichain walletPay with crypto
Zypto App supports 100+ cryptocurrencies for card loads, mobile top-ups, bill pay and gift cards. Swap any asset into a supported coin in-app, all in a few taps.
Zypto PayPair Ripple USD with these in the same wallet
Cross-chain swaps mean your RLUSD can become any of these in two taps.
662+ dedicated wallet pages
Ripple USD (RLUSD) wallet: the things people ask
What's the best Ripple USD wallet app?
That depends on what you want to do with your RLUSD. If you're holding only, any non-custodial wallet works. If you want to hold, swap across 20+ chains, connect to dApps, and use crypto for real-world spending, Zypto App is purpose-built for that while still being fully non-custodial.
Is the Zypto Ripple USD wallet non-custodial?
Yes. Your private keys are generated and stored on your device. Zypto never has access to your RLUSD. Every transaction is signed locally on your device before it reaches the network.
How do I spend crypto with Zypto Premium Visa Cards?
When you load the card in Zypto App, your crypto is converted into USD. Conversion happens at load, not at the checkout, so you can lock value in, avoid volatility and spend wherever Visa is accepted around the world, subject to eligibility and applicable limits.
Which chains can I swap Ripple USD into?
Swap into assets across 20+ chains including Ethereum, Solana, Polygon, Arbitrum, Optimism, BNB Chain and TRON, across 1,000,000+ cross-chain routes. All in-app, all in two taps.
How do I back up my Ripple USD wallet?
During setup, Zypto App generates a 12-word recovery phrase. Write it down and store it offline somewhere safe. For offline hardware wallet security, pair Zypto App with a Vault Key Card, the card-based cold-wallet hardware that signs transactions over NFC without exposing your keys to the internet.
Is Zypto App available in my country?
The wallet itself is available globally on iOS, Android and web. Some features (in-app buying, the Zypto Premium Visa Card) vary by region. See what's available where you are on our <a href="/spend-crypto/">Spend by Country</a> page.
Is Zypto App free?
The app is free to download and use. Standard network fees apply to on-chain transactions. Card and bill-pay services carry transparent transaction fees published in the app.
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