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- RLUSD gains ADGM approval and expands stablecoin use as more UAE institutions adopt regulated crypto payment tools.
- Ripple strengthens UAE presence through new clearances that support payments collateral activity and stablecoin growth.
- UAE sets strict Web3 rules and requires new licenses which reshape digital finance and support safer stablecoin adoption.
Ripple’s dollar-pegged stablecoin RLUSD gained approval for institutional use inside the Abu Dhabi Global Market after receiving the Accepted Fiat-Referenced Token designation from the local regulator. The decision strengthens Ripple’s position in the UAE’s regulated digital-asset sector and expands the stablecoin’s reach across major financial zones.
Compliance and trust are non-negotiables for institutional finance.
— Ripple (@Ripple) November 27, 2025
That's why $RLUSD has been greenlisted by Abu Dhabi’s FSRA, enabling its use as collateral on exchanges, for lending, and on prime brokerage platforms within @ADGlobalMarket—the international financial centre of…
Regulator Clears RLUSD for Licensed Institutional Activity
The Financial Services Regulatory Authority issued the approval after completing a detailed review of RLUSD and its reserve structure. The clearance allows licensed firms in the ADGM to use the stablecoin for permitted activities that fall within the regulator’s framework. These activities include payments, collateral, and treasury operations across the ADGM zone on Al Maryah and Al Reem Islands.
The regulator’s conditions require firms to meet strict requirements tied to fiat-referenced tokens. These rules include reserve management standards and disclosure obligations designed to maintain transparency. The framework forms part of the region’s push to regulate stablecoins under clear financial rules.
RLUSD Sees Rapid Adoption as Ripple Expands UAE Footprint
RLUSD has gained momentum since its launch in late 2024. The stablecoin now holds a market capitalization above $1 billion and supports growing institutional demand across payments and collateral markets. Its structure includes full backing by cash and equivalents under a limited-purpose trust charter from the New York Department of Financial Services.
Ripple continues to expand its presence in the UAE with a steady buildup of regulatory approvals. The company received full clearance in March to offer cross-border crypto payment services inside the Dubai International Financial Centre. The DIFC houses its own regulatory system and plays a major role in the region’s digital finance landscape.
DIFC Approvals Add Further Support for Stablecoin Use
The Dubai Financial Services Authority approved RLUSD for use within the DIFC in June. This clearance enabled regulated firms in the free zone to integrate the stablecoin into payment workflows and treasury operations. The approval also strengthened Ripple’s broader digital-asset strategy in the UAE.
Ripple has already partnered with Zand Bank and fintech service Mamo as early users of its blockchain payments infrastructure. These firms now access Ripple Payments for settlements that require faster movement of funds.
New UAE Law Brings DeFi and Web3 Under Central Bank Oversight
The RLUSD approval arrives during a significant shift in the UAE’s regulatory environment. A new central bank law, Federal Decree Law No. 6 of 2025, is now in force. The law places decentralized finance and broader Web3 activity under direct oversight by the Central Bank of the UAE.
The law requires platforms involved in lending, custody, payments, exchanges, or investment services to secure licenses by September 2026. The framework aims to unify rules for digital-asset activity and create consistency across regulated entities.