Put your RippleUSD to work

Earn up to 7% APY on RLUSD*

No subscription, easy access
No wallet, no keys, nothing to learn
Request withdrawal at any time

Managed entirely through the Uphold app.

* Up to 7% APY variable, as of October 29, 2026. Rates move with borrowing demand, so what you earn will vary. Sentora takes 10% of what the product earns, Uphold takes a commission, and you pay the network fee on each transaction. Actual returns may differ materially from APY shown. Not a bank deposit. Not FDIC insured. Your balance can fall. Available on the Uphold mobile app in most US states — see here for the full list.

How to earn on your RLUSD

Three steps to start earning with your RLUSD.

Choose RLUSD

Open Earn in the Uphold app and select RLUSD.

Add funds

Buy RLUSD, or move what you already hold.

Earn

Borrowers pay interest on your RLUSD.

Put your RLUSD to work

Start earning

Why earn on RLUSD with Uphold

Convenient: we handle the complexity, so you just earn

No wallet, no bridge, no private keys to manage. Nothing to set up and nothing to check. Managed entirely through the Uphold app you already use.

Accessible: you stay in control of your funds.

There’s no subscription required and withdrawal can be requested at any time.

Rewarding: earn yield on an established stablecoin

RLUSD is issued by Ripple under a New York Department of Financial Services limited-purpose trust charter, backed 1:1 by dollar reserves.

Ready to start?

Start earning

Frequently asked questions

Up to 7% APY, variable, and moving with borrowing demand. That is an estimate at today's rate, not guaranteed.

A withdrawal can be requested at any time. How quickly it completes depends on liquidity in the underlying lending markets.

Into a curated and monitored lending vault selected and monitored by Sentora against a programmatic risk allocation strategy agreed with Uphold. The funds sit in third-party smart contracts, not on Uphold's balance sheet.

Sentora is an institutional-grade decentralized finance (DeFi) and risk management platform that connects traditional finance with on-chain digital asset markets.

No. RLUSD Yield works on RLUSD, and you can acquire RLUSD with cash.

No. Nothing is staked and no network pays a reward. Staking is a separate Uphold product

RLUSD is a stablecoin issued by Ripple through Standard Custody & Trust under a New York Department of Financial Services limited-purpose trust charter, backed 1:1 by dollar reserves. It is not a bank deposit and it is not FDIC insured.

Participation in the vaults is voluntary and at your own risk. The vaults operate through decentralized finance (DeFi) Protocols, and neither Uphold nor Sentora is responsible for any changes, security breaches, or other incidents relating to such Protocols. Uphold acts solely at your direction and does not control or manage the Protocols. At your direction, assets move off the Uphold platform and are held within the Protocol’s smart contracts. Once moved, to the maximum extent permitted by law, Uphold no longer has any responsibility or liability for these assets. The strategies made available to the vaults are provided by Sentora solely as automated, non-custodial smart-contract functions and do not constitute financial products, investment management, or advisory services. Sentora does not guarantee any performance or outcomes, does not assume any fiduciary or custodial duties, and should not be relied upon for any financial decision or expectation of return. Sentora provides only technical and algorithmic functionality and does not provide legal, tax, accounting, security, investment, portfolio or asset management, or any other regulated financial services under applicable law. At no time shall Sentora have custody, possession, or control over any digital assets or other assets in the vaults.

All returns are paid by the Protocols. Returns and performance are variable and depend on the Protocol activity and are not guaranteed by Uphold. Returns may include limited time incentives. Past performance does not guarantee future results. Users must have a sufficient understanding and accept the inherent risks associated with digital assets, distributed ledger technology, decentralized software systems and the use of or participation in decentralized finance (DeFi) Protocols and related activities, and agree that to the maximum extent permitted by law, neither Sentora nor Uphold shall have any responsibility or liability for any losses, including complete loss of assets or any indirect, incidental, punitive, economic, or consequential damages, however caused. See Potential Risks and Key Terms.