Ripple is promoting the introduction of stronger bank-level guarantees for stable currency reserves. In a letter dated 9 June 2026 addressed to the United States Federal Deposit Insurance Corporation (DFIC), the company proposed arrangements for the GENIUS Act, in the hope that the eligible reserve deposits would be included in the penetrating deposit insurance to enhance the Agency ' s confidence in the security of the RLUSD reserve.

Recommended focused reserve security

In the letter, Ripple stated that the availability of penetrating guarantees for bank deposits corresponding to stable currency reserves would help to reduce counterparty risks and enhance financial security expectations in the event of a risk incident at the bank. According to the article, this issue has been one of the major concerns of institutions in the introduction of stable currency.

According to the paper, Ripple believes that such guarantees relate not only to the issuer of the stable currency itself, but also to the acceptance of the relevant products by banks, payment service providers, the financial services of enterprises and asset management agencies.

RLUSD targeting agency payments

If the relevant arrangements land, the RLUSD may gain greater attractiveness in the institutional market. As a stable currency driven by Ripple for the business landscape, the use of RLUSD includes payments, liquidity management and cross-border settlements.

  • Enhancing institutional confidence in the security of funds held in trust
  • Improve the RLSD liquidity base
  • Enhance the use needs within the XRP Legger ecology

Ripple has been trying to integrate compliance and safeguard mechanisms in traditional financial systems with block chain infrastructure. If reserve security is further enhanced, RLUSD may become more attractive to institutional clients who wish to use the chain to settle but value security arrangements in the banking system.

The current framework is still limited

The Ripple proposal is also related to the limitations of the current regulatory framework. According to the article, FDIC ' s current thinking under GENIUS Act does not automatically include the funds associated with the holder of the stable currency in the penetrating insurance.

The supervisory hierarchy has previously released a cautious signal as to whether such safeguards apply to stable currency reserves may not fall entirely within the existing legal framework. This means that Ripple is promoting a focus not only on improving the competitiveness of the RLSD market, but also on securing clearer institutional support.

At the market level, it is not only RLUSD that will be affected by the future expansion of the guarantee of a stable currency reserve, but the selection criteria for compliance with the stable currency may also change.