Ripple files Docket OP-1877 seeking Fed payment account for RLUSD reserves, linking XRP Ledger stablecoin custody to the Federal Reserve.
Ripple has requested access to a Federal Reserve payment account for reserves backing its stablecoin, RLUSD.
The filing, listed under Docket OP-1877, outlines a proposal that could place RLUSD reserves directly at the U.S. central bank. The move has drawn attention across the XRP community and broader digital asset market.
Ripple Seeks Fed Payment Account for RLUSD
Ripple submitted a request for a Federal Reserve “Payment Account” tied to RLUSD reserves.
The filing appears under Docket OP-1877 in public records. The request focuses on reserve custody and settlement access.
Look at this! 🚨 $XRP ecosystem expanding to Federal Reserve level!
Ripple requested direct Fed Payment Account access for RLUSD reserves. Docket OP-1877.
If approved, RLUSD reserves sit at the Fed. Not JPMorgan. Not Bank of America. The central bank.
Eliminates commercial… https://t.co/vByGhRl8JS
— X Finance Bull (@Xfinancebull) February 11, 2026
If approved, RLUSD reserves would be held directly at the Federal Reserve. This structure would remove reliance on commercial banks for reserve storage.
It would also change how reserve funds are managed.
The proposal centers on access to Fed payment rails. A payment account allows eligible institutions to hold balances and settle transactions.
Ripple has not confirmed a timeline for review or approval.
XRP Ledger Eyes Fed Integration With RLUSD Proposal
The request links RLUSD operations to the XRP Ledger infrastructure. Ripple designed RLUSD to operate on the XRP Ledger and other supported networks.
The filing raises questions about direct central bank connectivity.
Supporters argue that holding reserves at the Fed could reduce commercial bank counterparty exposure.
They also note that direct settlement could streamline transfers. However, approval would depend on Federal Reserve policy and eligibility rules.
The XRP Ledger functions as a blockchain network for payments and token issuance. Ripple has positioned RLUSD as a regulated stablecoin backed by reserves.
The proposal connects these reserves to central bank custody.
**Related Reading: **Ripple Pushes Beyond XRP With New Ethereum and Solana Custody Services
Market Reaction and Regulatory Context
The Federal Reserve maintains strict criteria for granting payment accounts. Access is typically limited to depository institutions and certain approved entities.
The review process may include regulatory and compliance checks.
Digital asset firms have previously sought clearer access to U.S. payment systems. Some applications have faced extended review periods.
Others have been denied based on eligibility standards.
Ripple has not released detailed statements beyond the filing reference. Market participants continue to monitor Docket OP-1877 for updates.
Any decision could shape how stablecoin reserves interact with U.S. central bank infrastructure.
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