Ripple and Arf bring RLUSD settlement liquidity to payment firms on the XRP Ledger

Ripple and Arf are bringing RLUSD-powered settlement liquidity to the XRP Ledger, offering licensed cross-border payment companies short-term funding while transfers settle. The partnership, announced on October 22, 2026, connects Ripple’s dollar-backed stablecoin with a business that Arf says handles approximately $10 billion in annual settlement volume. A later move into native onchain lending depends on validator approval. Key takeaways Licensed payment firms are the initial borrowers for RLUSD financing. Arf’s credit typically runs for one to five days. The $10 billion volume figure represents Arf’s existing global business. Native XRPL lending requires approval of two protocol amendments. Ripple and Arf target settlement liquidity gaps Ripple and Arf’s settlement liquidity arrangement will provide RLUSD-denominated working capital directly on the XRP Ledger, or XRPL .

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