Braza Group Launches Dollar-Pegged Stablecoin USDB on XRPL

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The Brazilian financial powerhouse Braza Group has officially launched USDB, a U.S. dollar-pegged stablecoin, on the XRP Ledger (XRPL)—a decentralized Layer 1 blockchain. The milestone was announced by Ripple, the primary developer behind XRPL, on May 22. This strategic move reinforces Brazil’s growing influence in the global blockchain and digital asset space, positioning Braza Group as a key player in bridging traditional finance with decentralized technologies.

Braza Group currently ranks 6th in Brazil’s Central Bank (BACEN) interbank transaction volume rankings. Impressively, in April alone, the institution processed over $1.079 billion in interbank transactions within just 24 hours. This scale underscores its robust infrastructure and readiness to support high-volume digital financial operations.

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What Is USDB and How Does It Work?

USDB is a stablecoin pegged 1:1 to the U.S. dollar, designed to combine the stability of fiat currency with the speed, transparency, and cost-efficiency of blockchain technology. Built natively on the XRP Ledger, USDB enables fast and secure cross-border payments, making it particularly valuable for individuals and businesses seeking affordable international remittances and reliable value preservation in a strong currency.

Unlike volatile cryptocurrencies such as Bitcoin or Ethereum, USDB maintains price stability through full backing by high-quality reserve assets—including U.S. and Brazilian government bonds. These reserves are subject to regular third-party audits to ensure transparency and trust—critical factors for institutional adoption and regulatory compliance.

Initially rolled out for institutional investors, USDB is now available to retail users through Braza On, Braza Group’s crypto-enabled digital asset management app. This expansion marks a significant step toward mainstream accessibility, allowing everyday users to seamlessly integrate digital dollars into their financial lives.

Expanding Brazil’s Stablecoin Ecosystem

USDB is not Braza Group’s first foray into blockchain-based finance. Earlier this year, the company launched BBRL, a real-pegged stablecoin also built on XRPL. BBRL allows Brazilian individuals and enterprises to hedge against currency volatility and streamline domestic transactions using a digital version of the Brazilian real.

Together, USDB and BBRL form a dual-stablecoin strategy that addresses both local and global financial needs:

This approach aligns with broader trends across Latin America, where stablecoins are increasingly used as tools for financial inclusion and economic resilience.

XRPL Strengthens Global Stablecoin Infrastructure

On the same day as the USDB announcement, French fintech firm Schuman Financial revealed the native integration of EUROP, a euro-denominated stablecoin compliant with the European Union’s Markets in Crypto-Assets Regulation (MiCA), also on XRPL. This dual launch highlights XRPL’s growing appeal as a regulatory-compliant, high-performance blockchain for institutional-grade digital assets.

With these new additions, XRPL is evolving into a global hub for:

The ledger’s low transaction fees (averaging less than $0.01) and settlement times under five seconds make it an ideal platform for scalable financial innovation.

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Why This Matters for the Future of Finance

The launch of USDB reflects a broader shift: traditional financial institutions are no longer观望 (observing from the sidelines). Instead, they are actively adopting blockchain technology to modernize payment systems, reduce costs, and meet evolving customer demands.

Key benefits of stablecoins like USDB include:

As central banks explore central bank digital currencies (CBDCs), private-sector stablecoins serve as real-world testbeds for digital money infrastructure—offering interoperability and innovation that public systems can learn from.

Frequently Asked Questions (FAQ)

What is USDB?

USDB is a U.S. dollar-pegged stablecoin issued by Braza Group on the XRP Ledger. Each token is backed 1:1 by reserve assets like U.S. and Brazilian government bonds and is subject to regular audits.

Is USDB available to the general public?

Yes. After an initial rollout to institutional investors, USDB is now accessible to retail users through the Braza On app.

How is USDB different from other dollar stablecoins like USDT or USDC?

While similar in function, USDB is specifically designed for Latin American markets and built natively on XRPL, offering faster settlement and lower fees. Its issuance by a top-tier Brazilian financial institution also adds strong regional credibility.

What is the significance of launching on XRPL?

XRPL offers high throughput, low cost, and strong regulatory clarity—making it ideal for institutional stablecoin issuance. Its growing ecosystem supports DeFi, RWA tokenization, and compliant cross-border payments.

Can USDB be used for international remittances?

Absolutely. USDB enables fast, low-cost cross-border transfers—particularly beneficial for Brazilians receiving funds from abroad or businesses engaged in global trade.

How is USDB audited and regulated?

USDB’s reserves are regularly audited by independent third parties. As Braza Group operates under BACEN oversight, the stablecoin benefits from alignment with Brazilian financial regulations.

The Road Ahead

With USDB and BBRL, Braza Group is laying the foundation for a modern, inclusive financial ecosystem in Brazil and beyond. Paired with Ripple’s ongoing enhancements to XRPL—including EVM compatibility and deeper DeFi integration—the stage is set for broader adoption of tokenized assets across industries.

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As more financial institutions embrace blockchain, the line between traditional and decentralized finance continues to blur. The success of projects like USDB will likely inspire similar initiatives across emerging markets—accelerating the global transition toward faster, fairer, and more transparent financial systems.

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