Risk Factors for RLUSD

!Supply is small at launch — thin liquidity limits large institutional trade sizes
!XRP Ledger adoption for DeFi is significantly lower than Ethereum, limiting DeFi integrations
!Ripple Labs has been under SEC litigation since 2020 (mostly resolved by 2025 but reputational damage lingers)
!RLUSD adoption depends on XRP ecosystem growth, which competes with Ethereum, Solana, and others
!NYDFS regulation means Ripple can comply with freeze orders — not censorship resistant
!Competition from USDC and USDT in the institutional payments space is entrenched

Peg Stability

RLUSD maintains its $1.00 peg through its Fiat-Backed mechanism. Monitor real-time peg deviations using the BTC.PH Depeg Monitor.

+Diversify across multiple stablecoins — never hold all funds in a single issuer
+Monitor reserve attestations and audit reports published by Ripple Labs
+Use hardware wallets for self-custody to eliminate exchange counterparty risk
+Set price alerts below $0.995 to react quickly if RLUSD begins to de-peg
+Only deploy into yield strategies you fully understand — complexity multiplies risk