stable coins

Story: XRP Holders Tap $280 Million Morpho Vault via FXRP to Borrow RLUSD

By Sakamoto Nashi

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How the Minting Process Actually Works. Getting FXRP isn't instant. A user starts with XRP on the XRP Ledger, that transaction gets…

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Hyperliquid Entry and What Sentora Is Watching. FXRP's reach isn't limited to Morpho. It's also moved into Hyperliquid, where the first FXRP spot…

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XRP holders can now borrow RLUSD stablecoins on Ethereum. Sentora made it official on August 3, adding FXRP as collateral in its RLUSD Main vault on Morpho — and the vault…

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It's a pretty big deal for XRP's role in decentralized finance. For years, XRP sat mostly outside the DeFi conversation.

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FXRP is the first XRP-linked token accepted as collateral in a vault of this scale.

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Getting FXRP isn't instant. A user starts with XRP on the XRP Ledger, that transaction gets verified by Flare, and then FXRP gets minted.

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Still, even with the current multi-step flow, adoption seems real. Over 90 million XRP has reportedly been converted into FXRP, and nearly 80% of the minted supply is actively…

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RLUSD, for context, is a stablecoin tied to Ripple. Borrowing it against FXRP means XRP holders can access dollar-denominated liquidity without selling their XRP.

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More context: Tria and Decibel Launch $25,000 Trading Contest Pitting Bitcoin Against Tokenized Stocks

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Back on the lending side, Sentora started with a conservative supply cap for the FXRP/RLUSD market. That's pretty standard practice for a new collateral type.

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What's worth watching is whether the supply cap moves. Sentora said it expects the cap to grow as liquidity and usage increase.

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Related: XRP Ledgers Partial Payment Trap Puts New Crypto Projects at Financial Risk

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The broader picture here is that XRP, long dismissed as a pure payments token with limited programmability, is quietly building a DeFi footprint.

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Sentora's vault currently holds around $280 million in RLUSD deposits.

The Currency Analytics

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