Binance, the world's largest cryptocurrency exchange by trading volume, continues to expand its product offerings with new incentives designed to retain users on the platform. In its latest move, the exchange has detailed a significant annual percentage rate (APR) available to holders and traders of Ripple's stablecoin, RLUSD.

According to a July 25, 2026 announcement from Binance's official X account, RLUSD holders and traders can earn a variable APR of 22.25% based on data from the preceding seven days. Rewards are distributed weekly in XRP, and the offering is now live on Binance's Margin/Earn platform.

22.25% APR (variable) in the last 7 days. Hold RLUSD, trade, and earn weekly XRP rewards, it's live now on Binance Margin/Earn. More info → pic.twitter.com/PmTM87BU7b — Binance (@binance) July 25, 2026

The advertised rate stands well above the yields typically available on mainstream stablecoins through centralized exchanges, where annualized returns more commonly range in the single digits to low double digits. Such promotional rates have become a competitive tool among major exchanges seeking to attract liquidity and user activity in specific assets, though the variable nature of the APR means the effective return can fluctuate week to week.

Binance first listed RLUSD at the beginning of 2026, accompanied by a zero-trading-fee promotion for a limited period. Several trading pairs introduced in January were denominated against XRP. While the stablecoin was initially launched exclusively on Ethereum, support for Ripple's XRP Ledger was added less than a month later.

Subsequent updates over the following months included integrating RLUSD into Binance's Earn program, which allowed holders to accumulate rewards on their holdings.

RLUSD was launched at the end of 2024, prior to the full resolution of legal matters involving Ripple. Although the stablecoin is primarily targeted at institutional use cases, it has also drawn interest from retail participants.

As of press time, RLUSD's market capitalization has reached approximately $1.6 billion, positioning it as the ninth-largest stablecoin by that metric. The broader stablecoin market has continued to expand, with major payment networks and financial institutions increasingly exploring integration of stablecoin-based settlement and rails.

Earlier in 2026, RLUSD was incorporated into Mastercard's stablecoin initiative alongside other major stablecoins including USDC, PYUSD, USDP, and SoFiUSD. The initiative reflects a wider push by traditional payment infrastructure providers to accommodate stablecoin transactions within existing card and merchant networks.

More recently, Ripple introduced a new platform called Ripple Mint, designed to improve institutional access to RLUSD by streamlining minting, redemption, and management processes. The combination of exchange-based yield incentives, payment-network integration, and dedicated institutional tooling underscores the layered approach Ripple and its partners have taken to expanding RLUSD's footprint across both retail and enterprise segments.