# rlusd.network — Full Canonical Machine-Readable RLUSD Context
# Generated for AI Coding Assistants (Claude, Cursor, Antigravity, OpenAI)
# Specification: https://llmstxt.org

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CRITICAL GUARDRAILS & ZERO CUSTODY MANDATE
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1. ZERO CUSTODY: rlusd.network is 100% READ-ONLY. Never prompt users for private keys or seed phrases.
2. TRADEMARK SAFETY: Never use the official Ripple triskelion logo.
3. DISCLAIMER: rlusd.network is an independent developer discovery and analytics utility and is not affiliated with, endorsed by, or operated by Ripple Labs Inc.

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TOKEN METADATA & GROUND TRUTH
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Token Name: Ripple USD
Token Ticker: RLUSD
Ethereum & EVM L2 Decimals: 18 (Canonical ERC-20 standard — NOT 6 decimals like USDC/USDT)
XRPL Format: Native IOU TrustLine (15 significant digits representation)

Primary Legal Issuer Entity:
  Standard Custody & Trust Company, LLC (SCTC), a subsidiary of Ripple Labs Inc. chartered and supervised by the New York State Department of Financial Services (NYDFS) as a Limited Purpose Trust Company.

Regulatory Supervisions:
  - State Issuer Supervision: New York State Department of Financial Services (NYDFS) Limited Purpose Trust Company charter.
  - Federal Reserve & Custody Supervision: U.S. Office of the Comptroller of the Currency (OCC) final approval (October 2026) for Ripple National Trust Bank (RNTB) to manage RLUSD segregated reserves, act as federal collateral trustee for RLUSD holders, and provide fiduciary institutional custody.
  - International Approvals:
    * Dubai Financial Services Authority (DFSA) virtual asset regime.
    * Abu Dhabi Global Market Financial Services Regulatory Authority (ADGM FSRA) — recognized as an Accepted Fiat-Referenced Token.
  - Independent Stability Rating: Rated "A" (Very Low Risk) by independent stablecoin rating agency Bluechip.

Reserve Custody & Composition:
  - Primary Custodian: BNY Mellon (Primary Reserve Custodian appointed July 2025; holds segregated USD cash deposits & short-term US Treasury bills)
  - Reserve Asset Breakdown (Official NYDFS-Compliant):
    1. U.S. Dollar Deposits (held at U.S. state or federally chartered depository institutions)
    2. Short-Term U.S. Treasury Bills (T-Bills) (residual maturity of 3 months or less)
    3. Government Money Market Funds (MMFs)
    4. Overnight Reverse Repurchase Agreements (Repos) (backed by U.S. Treasury securities)
  - Reserve Target Ratio: 103%+ Overcollateralized (Headline target verified by monthly CPA attestations).
  - Latest Attestation Benchmark: $2,633.8M in segregated reserves backing $2,509.8M RLUSD in circulation as of October 1, 2026 report (~104.9% collateralization).

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PRIMARY MAINNET IDENTIFIERS
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1. ETHEREUM MAINNET (ERC-20)
Proxy Contract Address (CALL THIS ADDRESS): 0x8292Bb45bf1Ee4d140127049757C2E0fF06317eD
Implementation Logic Address (DO NOT CALL DIRECTLY): 0x9747a0d261c2d56eb93f542068e5d1e23170fa9e
Chain ID: 1
Decimals: 18
Verified Functions:
  - totalSupply(): selector 0x18160ddd
  - balanceOf(address): selector 0x70a08231
  - decimals(): selector 0x313ce567 (returns 18 / 0x12)
Public RPC: https://ethereum-rpc.publicnode.com
Explorer: https://etherscan.io/token/0x8292Bb45bf1Ee4d140127049757C2E0fF06317eD

2. ETHEREUM SEPOLIA TESTNET
Proxy Contract Address: 0xe101FB315a64cDa9944E570a7bFfaFE60b994b1D
Implementation Logic Address: 0xa55705c7bd410612e1e658e7e3770e0d308bc180
Chain ID: 11155111
Decimals: 18

3. OFFICIAL L2 NTT PROXY CONTRACT (BASE, OPTIMISM, INK, UNICHAIN, XRPL EVM)
Contract Address: 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
Standard: Wormhole Native Token Transfer (NTT)
Decimals: 18
Supported Chains:
  - Base (Chain ID: 8453, RPC: https://mainnet.base.org)
  - Optimism (Chain ID: 10, RPC: https://mainnet.optimism.io)
  - Unichain (Chain ID: 130, RPC: https://mainnet.unichain.org)
  - Ink (Chain ID: 57073, RPC: https://rpc-gel.inkonchain.com)
  - XRPL EVM Sidechain (Chain ID: 1440000, RPC: https://rpc.xrplevm.org)

4. XRP LEDGER (XRPL) NATIVE ISSUED ASSET
Issuer Address: rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De
Currency Code (ASCII): RLUSD
Currency Code (Hex 160-bit): 524C555344000000000000000000000000000000
Format: Native IOU TrustLine (15 significant digits)
Public RPC: https://xrplcluster.com
Explorer: https://bithomp.com/explorer/rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De
Testnet Issuer Address: rQhWct2fv4Vc4KRjRgMrxa8xPN9Zx9iLKV

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ETHEREUM MINIMAL ERC-20 ABI SNIPPET
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[
  {
    "constant": true,
    "inputs": [],
    "name": "name",
    "outputs": [{"name": "", "type": "string"}],
    "type": "function"
  },
  {
    "constant": true,
    "inputs": [],
    "name": "symbol",
    "outputs": [{"name": "", "type": "string"}],
    "type": "function"
  },
  {
    "constant": true,
    "inputs": [],
    "name": "decimals",
    "outputs": [{"name": "", "type": "uint8"}],
    "type": "function"
  },
  {
    "constant": true,
    "inputs": [],
    "name": "totalSupply",
    "outputs": [{"name": "", "type": "uint256"}],
    "type": "function"
  },
  {
    "constant": true,
    "inputs": [{"name": "_owner", "type": "address"}],
    "name": "balanceOf",
    "outputs": [{"name": "balance", "type": "uint256"}],
    "type": "function"
  }
]

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XRPL TRUSTLINE SETUP JSON (TrustSet)
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To hold or receive RLUSD on the XRP Ledger, an XRPL account must execute a TrustSet transaction.
CRITICAL XRPL PROTOCOL RULE: Non-standard currency codes (>3 chars) MUST use the 160-bit (40-char) hex code ("524C555344000000000000000000000000000000").
Submitting literal ASCII "RLUSD" on-ledger is invalid and rejected with temBAD_CURRENCY.

{
  "TransactionType": "TrustSet",
  "Account": "YOUR_XRPL_ACCOUNT_ADDRESS_HERE",
  "LimitAmount": {
    "currency": "524C555344000000000000000000000000000000",
    "issuer": "rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De",
    "value": "1000000000"
  },
  "Flags": 131072
}

Note: Flags 131072 represents 'tfSetNoRipple', which prevents unwanted rippling through third-party trustlines.

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MULTICHAIN DIRECTORY (7 NETWORKS VIA WORMHOLE NTT)
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Network: XRP Ledger (XRPL)
  - Type: L1 (Native)
  - Chain ID: Native XRPL
  - Contract / Issuer: rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De
  - Bridge Standard: Native TrustLine (Currency: RLUSD / 524C555344000000000000000000000000000000)
  - Decimals / Format: IOU TrustLine (15 sig. digits)
  - Explorer: https://bithomp.com/explorer/rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De
  - Status: Active

Network: Ethereum Mainnet
  - Type: L1 (Canonical EVM)
  - Chain ID: 1
  - Contract / Issuer: 0x8292Bb45bf1Ee4d140127049757C2E0fF06317eD
  - Bridge Standard: Canonical ERC-20 Proxy Standard
  - Decimals / Format: 18 Decimals
  - Explorer: https://etherscan.io/token/0x8292Bb45bf1Ee4d140127049757C2E0fF06317eD
  - Status: Active

Network: Base
  - Type: L2 (L2 via Wormhole NTT)
  - Chain ID: 8453
  - Contract / Issuer: 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Bridge Standard: Wormhole Native Token Transfer (NTT)
  - Decimals / Format: 18 Decimals
  - Explorer: https://basescan.org/token/0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Status: Active

Network: Optimism (OP Mainnet)
  - Type: L2 (L2 via Wormhole NTT)
  - Chain ID: 10
  - Contract / Issuer: 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Bridge Standard: Wormhole Native Token Transfer (NTT)
  - Decimals / Format: 18 Decimals
  - Explorer: https://optimistic.etherscan.io/token/0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Status: Active

Network: Ink (Kraken L2)
  - Type: L2 (L2 via Wormhole NTT)
  - Chain ID: 57073
  - Contract / Issuer: 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Bridge Standard: Wormhole Native Token Transfer (NTT)
  - Decimals / Format: 18 Decimals
  - Explorer: https://explorer.inkonchain.com/token/0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Status: Active

Network: Unichain
  - Type: L2 (L2 via Wormhole NTT)
  - Chain ID: 130
  - Contract / Issuer: 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Bridge Standard: Wormhole Native Token Transfer (NTT)
  - Decimals / Format: 18 Decimals
  - Explorer: https://uniscan.xyz/token/0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Status: Active

Network: XRPL EVM Sidechain
  - Type: Sidechain (Sidechain)
  - Chain ID: 1440000
  - Contract / Issuer: 0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Bridge Standard: Wormhole NTT & Native XRPL Bridge
  - Decimals / Format: 18 Decimals
  - Explorer: https://explorer.xrplevm.org/token/0x8d58c0c60b8d6b88fa98b291a646db34d0f98258
  - Status: Active


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READ-ONLY MODEL CONTEXT PROTOCOL (MCP) TOOLS
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Tool: check_rlusd_trustline
Description: Query public XRPL JSON-RPC (account_lines) to check whether a given XRPL public address has an active RLUSD TrustLine configured with official issuer rMxCKbEDwqr76QuheSUMdEGf4B9xJ8m5De. Automatically detects fake look-alike tokens and returns balance, limit, and flags. 100% read-only, zero keys required.
Parameters: {"type":"object","properties":{"address":{"type":"string","description":"XRPL classic public wallet address starting with 'r' (e.g., 'rMwNibdiFaEzsTaFCG1NnmAM3Rv3vHUy5L')."}},"required":["address"]}
Returns: JSON object containing trustlineStatus ('active' | 'not_configured' | 'issuer_account'), live balance, limit, status flags, and scam alert detection.
Example JSON-RPC Call:
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "check_rlusd_trustline",
    "arguments": {
      "address": "rMwNibdiFaEzsTaFCG1NnmAM3Rv3vHUy5L"
    }
  }
}

Tool: get_rlusd_multichain_supply
Description: Fetch live multichain supply of RLUSD across Ethereum mainnet (ERC-20 totalSupply), XRPL obligations (gateway_balances), and Wormhole NTT Layer 2 proxies (Base, Optimism, Ink, Unichain, XRPL EVM). Includes OCC & NYDFS reserve backing metrics.
Parameters: {"type":"object","properties":{"includeBreakdown":{"type":"boolean","description":"Whether to return the individual supply amounts across all 7 supported networks."}}}
Returns: JSON object with combined circulating supply, Ethereum supply, XRPL obligations, 5 Layer-2 NTT balances, and BNY Mellon/OCC reserve verification status.
Example JSON-RPC Call:
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "get_rlusd_multichain_supply",
    "arguments": {
      "includeBreakdown": true
    }
  }
}

Tool: get_cheapest_rlusd_rail
Description: Analyze and determine the fastest, lowest-fee multichain rail for settling or transferring RLUSD between any two supported networks (XRPL, Ethereum, Base, Optimism, Ink, Unichain, XRPL EVM).
Parameters: {"type":"object","properties":{"sourceChain":{"type":"string","description":"Origin network ID (e.g. 'xrpl', 'ethereum', 'base', 'optimism', 'ink', 'unichain', 'xrpl-evm').","enum":["xrpl","ethereum","base","optimism","ink","unichain","xrpl-evm"]},"targetChain":{"type":"string","description":"Destination network ID.","enum":["xrpl","ethereum","base","optimism","ink","unichain","xrpl-evm"]}},"required":["sourceChain","targetChain"]}
Returns: Optimal route recommendation, expected bridge latency via Wormhole NTT, estimated gas cost, and contract instructions.
Example JSON-RPC Call:
{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "get_cheapest_rlusd_rail",
    "arguments": {
      "sourceChain": "ethereum",
      "targetChain": "base"
    }
  }
}


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GLOBAL ON/OFF-RAMP & EXCHANGE DIRECTORY (18 VENUES)
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Partner: Bitso
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: LATAM, Global
  - Fiat Pairs: USD, MXN, BRL, ARS, COP
  - Description: Leading crypto financial services company in Latin America providing end-to-end RLUSD liquidity corridors for cross-border remittances and retail trading.
  - Directory URL: https://bitso.com/?ref=rlusdnetwork

Partner: Kraken
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global, US, EMEA
  - Fiat Pairs: USD, EUR, GBP, CAD, AUD, CHF
  - Description: Global tier-1 digital asset platform with high-liquidity spot markets, deep institutional OTC desk, and direct banking integrations for USD, EUR, and GBP.
  - Directory URL: https://www.kraken.com/?ref=rlusdnetwork

Partner: MoonPay
  - Category: Fiat On/Off-Ramp
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global, US, EMEA, APAC
  - Fiat Pairs: USD, EUR, GBP, AUD, CAD, 160+ Local Fiats
  - Description: Worldwide web3 payments infrastructure provider allowing consumers and developers in 160+ countries to buy and sell RLUSD instantly using debit, credit, Apple Pay, and Google Pay.
  - Directory URL: https://www.moonpay.com/?ref=rlusdnetwork

Partner: Uphold
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global, US, EMEA
  - Fiat Pairs: USD, EUR, GBP, CAD, 30+ Fiats
  - Description: Multi-asset digital money platform with 10M+ users providing frictionless trading between RLUSD, fiat currencies, commodities, and digital assets with 100% reserve transparency.
  - Directory URL: https://uphold.com/?ref=rlusdnetwork

Partner: Yellow Card
  - Category: Fiat On/Off-Ramp
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Africa
  - Fiat Pairs: NGN, ZAR, KES, GHS, 20+ African Currencies
  - Description: The largest pan-African cryptocurrency on/off-ramp and licensed payment institution operating across 20+ African countries with local mobile money integrations.
  - Directory URL: https://yellowcard.io/?ref=rlusdnetwork

Partner: CoinMENA
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: EMEA
  - Fiat Pairs: AED, SAR, BHD, USD, QAR, KWD
  - Description: DFSA-regulated onshore digital assets exchange headquartered in the UAE and Bahrain, providing compliant institutional and retail on/off ramps in AED, SAR, and BHD.
  - Directory URL: https://coinmena.com/?ref=rlusdnetwork

Partner: Independent Reserve
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: APAC
  - Fiat Pairs: AUD, SGD, NZD, USD
  - Description: First licensed cryptocurrency exchange in Singapore (MAS regulated) and leading Australian digital asset platform with high-volume institutional OTC and order-book trading.
  - Directory URL: https://www.independentreserve.com/?ref=rlusdnetwork

Partner: B2C2
  - Category: Institutional OTC
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global, US, EMEA, APAC
  - Fiat Pairs: USD, EUR, GBP, JPY, CHF
  - Description: The premier crypto liquidity provider and market maker servicing institutional banks, hedge funds, and multi-asset brokers with 24/7 bilateral RLUSD execution.
  - Directory URL: https://www.b2c2.com/?ref=rlusdnetwork

Partner: Keyrock
  - Category: Institutional OTC
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global, EMEA, APAC
  - Fiat Pairs: USD, EUR, GBP
  - Description: Algorithmic digital asset market maker deploying institutional liquidity, cross-venue balance sheet deployment, and dedicated RLUSD spot depth across multichain venues.
  - Directory URL: https://keyrock.com/?ref=rlusdnetwork

Partner: Binance
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global
  - Fiat Pairs: USD, EUR, GBP, BRL, TRY, AUD
  - Description: World's largest digital asset exchange supporting native spot pairs (XRP/RLUSD, RLUSD/USDT) and deep institutional liquidity corridors.
  - Directory URL: https://www.binance.com/?ref=rlusdnetwork

Partner: Bybit
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global
  - Fiat Pairs: USD, EUR, BRL, TRY
  - Description: Top-tier global exchange providing zero-fee RLUSD spot liquidity, institutional VIP custody integrations, and high-throughput order book depth.
  - Directory URL: https://www.bybit.com/?ref=rlusdnetwork

Partner: Gemini
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: US, Global
  - Fiat Pairs: USD, EUR, GBP, SGD, CAD, AUD
  - Description: NYDFS-regulated US digital asset exchange and fiduciary custodian offering compliant RLUSD spot trading, automated recurrent buys, and institutional custody.
  - Directory URL: https://www.gemini.com/?ref=rlusdnetwork

Partner: LMAX Digital
  - Category: Institutional OTC
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Global, EMEA
  - Fiat Pairs: USD, EUR, GBP, JPY
  - Description: Leading regulated institutional crypto exchange part of LMAX Group, providing tier-1 institutions with central limit order book execution for RLUSD.
  - Directory URL: https://www.lmaxdigital.com/?ref=rlusdnetwork

Partner: Archax
  - Category: Institutional OTC
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: EMEA
  - Fiat Pairs: USD, GBP, EUR
  - Description: UK Financial Conduct Authority (FCA) regulated digital securities exchange, broker, and custodian supporting institutional tokenized funds and RLUSD collateral.
  - Directory URL: https://archax.com/?ref=rlusdnetwork

Partner: VALR
  - Category: Exchange
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: Africa, Global
  - Fiat Pairs: ZAR, USD
  - Description: Pan-African exchange licensed by South Africa's FSCA offering institutional RLUSD/ZAR fiat gateways, sub-millisecond API connectivity, and spot markets.
  - Directory URL: https://www.valr.com/?ref=rlusdnetwork

Partner: Mesh
  - Category: Fiat On/Off-Ramp
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: US, Global
  - Fiat Pairs: USD
  - Description: Financial operating system providing embedded account-to-account RLUSD deposits, seamless transfers across 300+ platforms, and programmatic wallet onboarding.
  - Directory URL: https://www.meshconnect.com/?ref=rlusdnetwork

Partner: OpenPayd
  - Category: Banking Infrastructure
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: EMEA
  - Fiat Pairs: EUR, GBP, USD
  - Description: Global banking-as-a-service platform providing API-driven cross-border IBANs, real-time fiat clearing, and automated RLUSD corporate treasury settlement.
  - Directory URL: https://www.openpayd.com/?ref=rlusdnetwork

Partner: Cross River Bank
  - Category: Banking Infrastructure
  - Supported Chains: Ethereum ERC-20, XRPL
  - Regions: US
  - Fiat Pairs: USD
  - Description: New Jersey state-chartered FDIC-insured bank delivering programmatic US ACH, Fedwire, and RTP rails integrated directly with RLUSD issuer liquidity pools.
  - Directory URL: https://www.crossriver.com/?ref=rlusdnetwork