Moody’s Assigns A2 Deposit Rating to Ripple’s RLUSD, Ties Upgrade Path to GENIUS Act

Ripple USD ( RLUSD ) now carries A2 and P-1 deposit ratings from Moody’s Ratings , which assigned the long- and short-term grades on Oct. 27 and set out what could move the stablecoin higher, including firmer legal claims for holders and the GENIUS Act taking effect in 2027. Jack McDonald, Ripple’s senior vice president of stablecoins, wrote in an X post that RLUSD is “the first stablecoin to have ever received an investment-grade” rating from Moody’s. The rating applies only to RLUSD that Standard Custody & Trust Company (SCTC), a wholly owned Ripple Labs subsidiary, issues natively on the XRP Ledger and Ethereum. Moody’s aligned the short-term grade with the long-term one and used its “Stablecoin” methodology, published in March 2026.

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