RLUSD stablecoin will launch in Japan in early 2026 through a Ripple–SBI Holdings partnership, backed 1:1 by U.S. dollar reserves with monthly third‑party attestations, designed for regulated, enterprise use under Japan’s new stablecoin rules.
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RLUSD to launch in Japan in early 2026 under a fully regulated framework.
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RLUSD will be 1:1 backed by U.S. dollar reserve assets and audited monthly.
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Japan could become a model for regulated stablecoins as RLUSD targets institutional adoption.
RLUSD stablecoin: Japan launch early 2026, fully backed and regulated — read how institutions will benefit and what to expect next.
Ripple and SBI Holdings will introduce the RLUSD stablecoin in Japan by early 2026, aligning with the country’s new regulatory framework.
- Ripple and SBI will introduce RLUSD in Japan in early 2026 under a transparent, fully regulated legal structure.
- RLUSD will be backed 1:1 by U.S. dollar reserves and independently attested monthly to maintain trust and institutional-grade security.
- Japan may emerge as a leading example of stablecoin regulation with RLUSD’s integration into enterprise-level financial operations.
Ripple has partnered with Japan’s SBI Holdings to introduce the Ripple USD (RLUSD stablecoin) in the Japanese market, with distribution planned by Q1 2026. The rollout targets institutional and enterprise applications within Japan’s revised regulatory framework focused on legal compliance, transparency, and investor protection.
What is RLUSD and how will it be backed?
RLUSD stablecoin is a 1:1 U.S. dollar-backed digital asset designed for enterprise use. Reserves will include cash deposits and short-term U.S. government instruments, overseen by an independent accounting firm performing monthly attestations to ensure reserve transparency and institutional-grade security.
Who will distribute RLUSD in Japan?
SBI VC Trade, a fully registered and licensed subsidiary of SBI Holdings, will handle local distribution. This structure ensures RLUSD operates within Japan’s legal framework and meets regulatory requirements for custody, reporting, and consumer protection.
The $300B stablecoin market is set to grow into the trillions.
Together with @sbivc_official, we’re bringing $RLUSD to Japan in early 2026, offering users and institutions a trusted, regulated and fully-backed stablecoin built for enterprise use cases. https://t.co/htcrMiQkTe
— Ripple (Twitter) August 22, 2025
RLUSD is positioned as an enterprise-grade stablecoin intended to bridge centralized financial institutions and decentralized platforms. Tomohiko Kondo, CEO of SBI VC Trade, highlighted that the initiative will strengthen digital-asset credibility within Japan’s financial infrastructure.
How does the partnership reflect Ripple’s strategy?
Jack McDonald, Ripple’s Senior Vice President of Stablecoins, said the RLUSD collaboration aligns with Ripple’s strategy to build compliant payment rails and institutional solutions. Ripple’s prior acquisition of the stablecoin platform Rail (reported as a material strategic investment) supports this direction toward enterprise-grade stablecoin infrastructure.
What market impact could RLUSD have?
The global stablecoin market is currently near $300 billion and analysts project significant growth in coming years. RLUSD’s compliance-first design aims to attract institutional treasury use, cross-border payments, and regulated on‑ramps — potentially demonstrating how regulated stablecoins can scale in established financial systems.
Frequently Asked Questions
When will RLUSD be available in Japan?
RLUSD is expected to be distributed in Japan in early 2026, pending final regulatory approvals and operational readiness by SBI VC Trade and Ripple.
Will RLUSD reserves be independently verified?
Yes. RLUSD reserves will be attested monthly by a third-party accounting firm, with reserve assets held as cash and short-term U.S. government instruments to maintain 1:1 backing.
Can institutions use RLUSD for corporate treasury?
RLUSD is explicitly designed for enterprise use, focusing on compliance, custody safeguards, and transparency to support corporate treasury and institutional payment flows.
Key Takeaways
- Regulated launch: RLUSD will enter Japan under a clear, regulated legal framework.
- Full backing: 1:1 U.S. dollar reserves with monthly attestations for transparency.
- Institutional focus: Designed for enterprise adoption, cross-border payments, and integration with financial infrastructure.
Conclusion
The RLUSD stablecoin partnership between Ripple and SBI Holdings signals a regulatory-first approach to stablecoin deployment in Japan, with plans for a Q1 2026 rollout. By combining 1:1 reserve backing, third-party attestations, and licensed local distribution, RLUSD aims to demonstrate how regulated stablecoins can serve institutional needs. Expect further updates as Japan finalizes regulatory details and pilot implementations proceed.
