DriveWealth Turns to Ripple’s RLUSD Stablecoin for Client Funding, With Europe First

Introduction

DriveWealth, the brokerage‑as‑a‑service platform that powers investing products for more than 100 partners worldwide, announced a new partnership with Ripple. Starting in Europe, the firm will allow clients to fund collateral accounts using Ripple’s RLUSD stablecoin on the XRP Ledger. The move is designed to speed up the flow of capital into U.S. market trades, and a U.S. launch is slated for the future, though no date has been set.

Faster funding for faster markets

U.S. equity trades settle on a T+1 schedule, but cross‑border dollar transfers often take longer, tying up capital for brokers and the fintech apps that sit on top of them. By letting clients add money to their accounts with RLUSD, DriveWealth can convert the stablecoin to cash almost instantly, eliminating the lag associated with traditional bank wires. The integration also leverages Ripple’s mint‑and‑burn tools, giving DriveWealth real‑time visibility of balances across dollars, stablecoins, and crypto.

Building a broader Ripple ecosystem

The RLUSD funding feature is one of four collaborative pieces between the companies. DriveWealth is also adding Ripple Payments to receive cross‑border funds from its global partners, and it is working with Ripple on digital‑asset custody solutions in Europe. A fourth initiative—exploring equity‑position financing through Ripple Prime’s Delta One service—is still under discussion. Together, these efforts aim to create a seamless, real‑time treasury and custody infrastructure for DriveWealth’s clients.

Ripple’s expanding stablecoin footprint

DriveWealth’s adoption of RLUSD follows several recent integrations. In November, Mastercard, Ripple, and Gemini piloted RLUSD‑based card settlements on the XRP Ledger. Ripple now holds more than 85 licenses worldwide, underscoring its push to embed RLUSD across a variety of financial use cases. While the partnership’s financial terms, transaction volumes, and exact go‑live dates were not disclosed, both firms will discuss the collaboration further at Ripple’s Swell conference in New York on Oct. 28.

Practical implications for investors

For fintech platforms and digital wallets that rely on DriveWealth’s brokerage layer, the ability to fund accounts with a stablecoin means less idle capital and quicker access to market opportunities. Clients can move funds in real time, matching the speed of 24/5 trading that DriveWealth already supports. As the U.S. rollout approaches, market participants should monitor how the stablecoin settlement model impacts liquidity, settlement risk, and overall trading efficiency.

--- DriveWealth’s European launch of RLUSD funding marks a significant step toward faster, blockchain‑enabled settlement in brokerage services, with broader Ripple integrations and a future U.S. expansion on the horizon.