RLUSD Rewards Enhanced — OKX VIP Users’ 10% APR Eligible Balance Increased to 10,000 RLUSD, Standard APR Raised from 4.1% to 4.2% APR
Main takeaways
RLUSD, also known as Ripple USD, is a US dollar-pegged stablecoin issued by Standard Custody & Trust Company, a Ripple subsidiary regulated as a limited-purpose trust company by the New York State Department of Financial Services (NYDFS). It is backed 1:1 by cash, cash equivalents, and short-term US Treasury bills, and is issued on the XRP Ledger and Ethereum.
Hold RLUSD on OKX to earn stablecoin rewards automatically. VIP users can now earn 4.2% APR, while regular users earn 3.5% APR. Rewards are distributed weekly, with no subscription, redemption, staking, or lockup required.
VIP-exclusive promotion: From 20 August 2026 04:00 (UTC) to 18 September 2026 04:00 (UTC) , eligible VIP users can earn 10% APR on the first 10,000 RLUSD held at the master-account level. Any VIP balance above 10,000 RLUSD earns the standard VIP rate of 4.2% APR. Regular users are not eligible for the promotion and continue to earn 3.5% APR.
RLUSD can also be used as yield-bearing collateral for Flexible Loan and futures trading on OKX, allowing eligible users to continue earning rewards while putting their assets to work.
What is RLUSD?
RLUSD is a single-currency stablecoin pegged to the US dollar. It is issued by Standard Custody & Trust Company, a Ripple subsidiary operating under a limited-purpose trust company charter supervised by the New York State Department of Financial Services (NYDFS).
RLUSD reserves are held in a segregated account consisting of cash, cash equivalents, and short-term US Treasury bills. BNY Mellon acts as the primary reserve custodian, while Deloitte publishes monthly attestation reports. RLUSD has also received regulatory recognition in additional jurisdictions, including Dubai (DFSA) and Abu Dhabi Global Market (ADGM).
You may refer to this announcement for more information about RLUSD.
VIP Exclusive: Earn Up to 10% APR on RLUSD
During the promotion period below, eligible VIP users can earn 10% APR on the first 10,000 RLUSD held:For a limited time, eligible VIP users can enjoy an enhanced 10% APR on their first 10,000 RLUSD:
Promotion period: 20 August 2026 04:00 (UTC) - 18 September 2026 04:00 (UTC)
Eligible users: Eligible VIP users only
Promotional rate: 10% APR for the stipulated promotion period
Eligible balance: The first 10,000 RLUSD held at the master-account level by an eligible VIP user
VIP Standard RLUSD APR Increased from 4.1% to 4.2% APR
Eligible RLUSD balances held by OKX VIP users can now earn a 4.2% APR standard reward rate, up from 4.1% APR, with no holding cap on standard rewards.
During the promotion period, the first 10,000 RLUSD held at the master-account level by eligible VIP users will earn 10% APR, while any balance above 10,000 RLUSD will earn the standard VIP rate of 4.2% APR. Regular users will continue to earn 3.5% APR.
Note: Regular users are not eligible for the 10% promotional rate and will continue to earn the standard 3.5% APR on eligible RLUSD balances.
How to start earning
Getting started takes just a few steps:
Log in to your OKX account.
Obtain RLUSD through Spot, Convert, or a deposit from an external wallet.
Hold RLUSD in an eligible account and receive weekly rewards in RLUSD or XRP, according to your selected payout currency.
Frequently asked questions
1. How much of my RLUSD holdings count toward margin or collateral?
RLUSD has a collateral discount rate of 0.98, meaning 98% of eligible holdings count toward margin or collateral. This applies to the master account and each sub-account. Collateral value is capped at 40,000,000 RLUSD per sub-account. If the combined RLUSD balance in your trading and Flexible Loan accounts exceeds this limit, the portion above the limit will not count toward margin or collateral.
2. How are RLUSD rewards calculated and distributed?
Standard rates: VIP users earn 4.2% APR; regular users earn 3.5% APR.
Limited-time VIP promotional rate: From 20 August to 18 September 2026, VIP users earn 10% APR on the first 10,000 RLUSD held at the master-account level. Regular users are not eligible and continue to earn 3.5% APR.
Calculation period: Monday to Sunday (UTC+8). Each daily snapshot covers 8:00 to 7:00 the following day (UTC+8).
Distribution time: Wednesday of the following week at 12:00 (UTC+8).
Reward currency: RLUSD or XRP, according to the user's selection. Rewards are credited directly to the funding account.
Daily eligible balance: Based on the minimum cross-equity balance across the trading, funding, and Flexible Loan accounts during the daily snapshot period.
Formula: Weekly rewards = Average eligible daily RLUSD balance × applicable annual rate ÷ 52.
3. Is there a holding cap for earning RLUSD rewards?
There is no cap on standard RLUSD rewards. The 10% promotion is available only to eligible VIP users and applies to the first 10,000 RLUSD held at the master-account level. Any VIP balance above 10,000 RLUSD earns the standard VIP rate of 4.2% APR. Regular users continue to earn 3.5% APR and are not eligible for the promotion. After the promotion ends, eligible balances earn the applicable standard rate.
4. Can I choose whether to receive rewards in RLUSD or XRP?
Yes. You can select RLUSD or XRP as your preferred reward payout currency on the RLUSD page.
5. How can I check my holdings and rewards?
Go to Earn → RLUSD Rewards in your OKX account to view your current eligible holdings, accumulated rewards, and reward history.
Platform rules
The Terms and Conditions of RLUSD Rewards and OKX Terms of Service shall continue to apply to RLUSD Rewards, including the rewards distributed under this campaign.
Any and all applicable taxes and all fees and additional expenses, including connection, installation, and/or service costs, related to acceptance and use of the reward are the sole responsibility of the individual reward recipient.
Users from the following countries or regions (subject to verification information) may not be eligible to participate in this campaign: please refer to clause 3 of OKX's risk and compliance disclosure.
During the Campaign Period, OKX will closely track the behaviour of traders to avoid any form of cheating or abnormal behaviour, including but not limited to: registering multiple accounts, using other people's accounts, using other people's information to register accounts, false KYC information, maliciously increasing trading data, engaging in laundering trades or wash trades, violating the terms and conditions of the campaign, violating local regulatory rules for transaction and any other activities related to illegal, fraudulent or harmful purposes. If any of the above acts are found, OKX reserves the right to disqualify the user from the rewards and to void any unissued rewards.
Notwithstanding anything to the contrary herein, OKX reserves the right to exclude any participant from participating in this campaign without notice.
This activity is not (i) investment advice or an investment recommendation; (ii) an offer or solicitation, buy or sell digital assets; or (iii) financial, accounting, legal or tax advice. You should carefully consider whether trading or holding digital assets is suitable for you in light of your financial condition and risk tolerance. Please consult your legal/ tax/ investment professional for questions about your specific circumstances. Digital assets, including stablecoins and NFTs, are subject to market volatility, involve a high degree of risk and can lose value. Historical returns are not indicative of future returns and past performance is not indicative of future results. OKX is not responsible for any potential losses. Not all products offered in all regions and this activity may be limited or not offered in some markets.
OKX reserves the right to determine and amend the rules of the campaign at any time without further notice, including but not limited to cancelling, extending or terminating this campaign, modifying the eligibility conditions for users participating in the campaign, and adjusting the campaign and reward rules. All participants shall be bound by these revised terms. Where practicable, OKX will endeavour to provide notice of material changes before they take effect. Where OKX exercises any discretion under these terms, it shall do so in a reasonable manner.
OKX reserves the right of final interpretation of this campaign. Please contact the customer service team if you have any questions.
OKX is not responsible for technical, graphic, typographical or editorial errors or omissions. For more information, please visit www.okx.com © 2026 OKX.
Where any discrepancy arises between the translated versions and the English version, the English version shall prevail.
Risk warning: The foregoing overview and information, some of which may be provided by third parties and not OKX, are for informational purposes only. OKX does not guarantee the accuracy or completeness of any information contained herein and such information does not constitute any representation, warranty or any financial, investment or other form of advice by OKX. Such information may not be suitable for all persons; it should not be relied upon in connection with a particular investor's trading; and, is not intended to be, nor should be construed as, an offer, recommendation or solicitation. Such information is also not intended for persons who reside in jurisdictions where providing such information would violate the laws or regulations of such jurisdiction. Digital assets are highly speculative and subject to high volatility, may become illiquid at any time, and that investors may lose the entire value of their investment. Before trading any digital asset, you should do your own research and evaluate your risk appetite. OKX is not responsible for any losses which you may incur from trading digital assets. Please refer to OKX Terms of Service and Risk & Compliance Disclosure for more information.For any inquiries, please feel free to contact us via OKX Support Center or connect with us on any platform of your choice.
OKX team
August 19, 2026