Experience the power of USDC on the XRPL
The XRPL is a decentralized Layer-1 blockchain, designed for the efficient tokenization and exchange of value—including both crypto and real-world assets. Since its launch in 2012, the XRPL has become home to over 1,500+ apps2 spanning a wide range of use cases and industries.
USDC gives developers and institutions a trusted asset to power financial use cases on the XRPL, including payments, DeFi, tokenized real-world assets, and more.
Key use cases:
- Enterprise B2B payments: Use USDC for global money movement and improve capital efficiency across borders.
- DeFi liquidity provisioning: USDC can be used by market makers to bootstrap liquidity for token pairs and FX flows.
- Financial Services: Custodians, wallets, and fintech platforms can integrate USDC to offer faster, more transparent settlement options.
Benefits of USDC:
- Regulated3, fully reserved, and redeemable 1:1 for US dollars4
- Enables institutional on/off-ramps with Circle Mint5 for qualified businesses
- Easy integration into existing apps
Accessing USDC on
the XRPL
Users will be able to access USDC on the XRPL via digital asset exchanges and ecosystem apps. Qualified businesses can also access USDC on the XRPL from a Circle Mint account. Regardless of your choice, it’s easy to get started.
Open a Circle Mint account
Submit your business information and we’ll get the account opening process started.
Create a deposit
Once approved, you can deposit funds into your Circle Mint account via wire transfer. Funds will settle seamlessly in USDC.
Choose USDC on the XRPL
You can use a Circle Mint account to directly convert fiat to USDC on the XRPL, and easily convert back to fiat the same way. Circle Mint also enables you to swap USDC across supported blockchains without needing a third-party bridge. USDC on the XRPL is redeemable 1:1 for US dollars.
Top USDC on
the XRPL
apps
Builders choose USDC on
the XRPL
for their users.
Here are some examples of popular apps.
- First Ledger
- Xaman
- XRPL DEX
FAQs
Yes, USDC is native to the XRPL and can be found at this contract address.
Circle Mint enables qualified businesses to redeem USDC 1:1 for USD4. End users who are not Circle Mint customers can convert USDC to USD in the secondary market through digital wallets, exchanges, and on/off-ramp providers.
Yes, USDC on the XRPL can be easily swapped to USDC on any other supported blockchain with Circle Mint and Circle APIs.
Swap USDC
across chains
Programmatically move USDC from one chain to another. Circle APIs make it easy for wallets, exchanges, custodians and more to rebalance their holdings of USDC across supported chains at no additional cost.
Maximize your vision. Do more with USDC.
As an open-source, programmable dollar with global reach, USDC is powerful market infrastructure you can begin building with immediately. Developers leverage Circle APIs to do even more with USDC.
1. Total supply of USDC on the XRPL as of Jun 12, 2025
2. Source: https://xrpl.org/about/uses - Last accessed Jun 12, 2025
3. USDC is issued by regulated affiliates of Circle. A list of Circle’s regulatory authorizations can be found here.
4. Circle Mint customers are able to redeem USDC directly from Circle. In addition, Circle will redeem all USDC presented to it for redemption in compliance with MiCAR, regardless of whether the holder is a Circle Mint customer. Circle Mint is currently available only to institutions and is not available to individuals.
5. Circle Mint and money transmission services are provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC, NMLS # 1201441, is a licensed provider of money transmission services. A full list of Circle’s licenses can be found here. Circle Mint is currently available only to institutions and is not available to individuals.