A supplier wants an invoice paid. A contractor expects their salary. A landlord needs the rent. For someone holding stablecoins, these everyday payments can still mean selling crypto, withdrawing to a bank and sending another transfer.
TrustLinq is bringing those steps together for holders of Ripple’s dollar stablecoin.
The company’s October 13 announcement expands its Ripple partnership, allowing verified customers to fund bank payments with RLUSD. TrustLinq handles the conversion, and the recipient receives local currency without needing a crypto wallet or a TrustLinq account. The company says its network covers more than 190 countries and 80 currencies.
“Stablecoin holders have never lacked ways to trade; they have lacked ways to pay.”
— Lili Metodieva, Co-Founder of TrustLinq
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From a Stablecoin Balance to a Bank Payment
The process starts with a verified account and a dedicated smart-contract payment vault. According to TrustLinq’s explanation, users transfer funds from their external wallet into that vault, which remains linked to their wallet and under their control. When they initiate a payment, TrustLinq deducts the amount needed to complete it.
The company describes this as a noncustodial arrangement, with funds kept separate from other customers’ balances.
The RLUSD integration supports Ethereum’s ERC-20 version. Payments can reach recipients through SEPA, Faster Payments, ACH, local banking networks or SWIFT. TrustLinq says most arrive the same or next business day, depending on the destination and payment route. That makes banking availability part of the experience even when the payment begins on a blockchain.
Building on an Existing Ripple Connection
TrustLinq announced its Ripple Payments integration in May. That agreement expanded its settlement options and allowed payments to be routed according to destination, currency, speed and cost.
Adding RLUSD gives customers another funding option within that existing system. TrustLinq also supports USDT, USDC and EURC.
Ripple describes RLUSD as backed one-to-one by cash, U.S. Treasuries and government money market funds, with independent monthly reserve attestations. Its issuer operates under New York trust supervision. TrustLinq separately operates as a Swiss financial intermediary under anti-money-laundering supervision through SO-FIT, a FINMA-recognized self-regulatory organization.
The Opportunity Beyond Trading
The scale of stablecoin transfers can make payment adoption look further along than it is.
A McKinsey and Artemis analysis estimated actual stablecoin payments at $390 billion annually, using December 2025 activity to calculate an annualized figure. Business-to-business payments accounted for approximately $226 billion.
Those figures exclude much of the activity associated with trading, internal wallet movements and other transfers that do not represent purchases or bills being paid.
“Total stablecoin transaction volume can’t be directly interpreted as payment usage.”
— McKinsey and Artemis Analytics
TrustLinq’s expansion targets that practical payments market. Its potential value is easy to understand: a business can hold digital dollars while its suppliers continue using the bank accounts they already have.
Convenience Still Has a Price
The payment route is simpler, but the total cost still matters.
TrustLinq’s published pricing includes a deposit fee, an outgoing payment fee and a currency-conversion charge where applicable. However, the displayed tables name USDT, USDC and EURC without separately identifying RLUSD rates. The public page therefore does not establish the precise cost of an RLUSD-funded transfer.
Blockster previously covered how XRP holders can borrow RLUSD on Ethereum through FXRP. That development expanded access to stablecoin liquidity. TrustLinq addresses a different need: using a stablecoin balance to settle an obligation outside crypto.
For customers, the useful measure will be the amount that reaches the recipient, the time it takes and whether the service works reliably for repeat payments. That is where broader coverage can become an everyday habit.
Reporting by Lidia Yadlos
