渣打银行通过迪拜国际金融中心推出RLUSD托管服务

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Standard Chartered Bank has launched a custody service for Ripple USD (RLUSD), based on the XRP ledger.

Standard Chartered Bank has officially introduced a custody service for Ripple USD through its branch located in the Dubai International Financial Center (DIFC). RLUSD is a stable coin issued on the XRP ledger. This announcement, released on October 12, 2026, marks a significant step forward for major global banks in the field of digital asset custody in the Middle East.

Key points:

Standard Chartered Bank’s custody service for RLUSD issued on the XRP ledger is now available, rather than being just a future plan.
This service is provided by Standard Chartered Bank’s branch in the Dubai International Financial Center. According to a joint announcement between Ripple and Standard Chartered Bank, this branch is regulated by the Dubai Financial Services Authority (DFSA).
Another forward-looking initiative aims to make RLUSD eligible as collateral under the LMAX Group’s products. However, this arrangement still requires meeting legal, regulatory, and technical requirements.

The scope of Standard Chartered Bank’s RLUSD custody service includes:

In the field of digital assets, “custody” means that a regulated institution holds and manages tokens on behalf of clients. This is similar to a vault that not only stores tokens securely but also handles related administrative tasks. This process is separate from the issuance, trading, or advisory services related to cryptocurrencies.

被托管的资产是RLUSD，这是一种由Ripple在XRP账本上发行的、与美元挂钩的稳定币。稳定币是一种旨在保持固定价值的加密货币，在此案例中，每个代币价值固定为1美元。XRP账本是一个自2012年以来运行的公共区块链，主要与该代币XRP相关联。

根据渣打银行的新闻稿，RLUSD托管服务已全面上线。公告中提及的渣打银行高管Waqar Chaudry表示，机构客户希望参与数字资产市场，同时不妥协于资产的安全保障方式或风险管理标准。

DIFC分行与XRPL关联的意义

DIFC是迪拜的金融自由区，拥有数百家在全球银行、基金和金融科技企业，它们在自身的法律和监管框架下运营。通过DIFC分行提供此项服务，意味着渣打银行是在一个公认的国际金融中心内，并在DFSA的监督下提供服务。

特别强调XRPL具有重要意义，因为RLUSD并非只有一个版本。Ripple已在多个区块链上发行了RLUSD。渣打银行的托管服务专门覆盖XRP账本版本，这是一个对选择如何持有该代币的机构客户而言至关重要的技术细节。

On that ledger, the trading price of the native token XRP at the time of the announcement was $1.36. It is worth noting that within 24 hours after the announcement, the price of XRP dropped by 3.14%. At that time, the market value of XRP was approximately $86 billion, with daily trading volume reaching around $1.5 billion. This fluctuation in prices reflects the broader crypto market conditions and should not be interpreted as a direct reaction to news related to custody services. At that time, the overall crypto market was characterized by “greed” sentiment, with the Crypto Fear-Greed Index reading 69/100. This is general market background information, not a signal specifically related to RLUSD.

The LMAX collateral program remains conditional

. Meanwhile, Standard Chartered Bank, Ripple, and LMAX Group announced a plan to make RLUSD a valid collateral for certain LMAX products. Under this arrangement, qualified RLUSD deposited in Standard Chartered Bank’s custody accounts do not need to be physically transferred to trading platforms, thereby reducing the credit risk for institutional traders.

However, the announcement clearly states that this collateral integration plan is preliminary. It requires signing of final documents, testing, compliance with applicable laws and regulations, internal approval, and preparation in various jurisdictions. None of these steps have been completed yet. What has actually been implemented so far is merely the custody service aspect of the plan.

Summary

For those who are new to cryptocurrencies, the conclusion is quite simple: a major international bank is currently holding RLUSD on behalf of its clients, within a regulated environment in Dubai’s financial center. This indicates that the institutional infrastructure surrounding stablecoins on the XRP ledger is becoming more mature. Of course, there is still room for further development in terms of the use of various collateral methods.