Key Takeaways
- • TrustLinq CH AG, a Swiss-regulated crypto-to-fiat platform, now lets holders of Ripple USD (RLUSD) pay any third-party bank account in more than 190 countries and over 80 currencies directly from self-custodial wallets, according to a Chainwire press release dated October 13, 2026.
- • Recipients receive ordinary bank transfers in local currency via SEPA, Faster Payments, ACH, local corridors or SWIFT, with most transfers arriving the same or next business day, and recipients need no crypto exposure.
- • The expansion builds on an existing collaboration in which Ripple Payments settlement infrastructure powers TrustLinq's global fiat payouts; RLUSD support is available immediately to verified clients with no integration required.
- • The move targets a structural gap: McKinsey and Artemis Analytics estimated in January 2026 that only about USD 390 billion, roughly 1%, of the approximately USD 35 trillion moving over stablecoin rails annually was real-world payments.
Summary
TrustLinq CH AG has expanded its partnership with Ripple to enable third-party fiat payments funded from Ripple USD (RLUSD), the dollar-denominated stablecoin issued by Ripple under a New York Department of Financial Services trust charter, according to a Chainwire release datelined Steinhausen, Switzerland, October 13, 2026. Clients holding RLUSD (ERC-20) can pay suppliers, staff, landlords and other third parties in more than 190 countries and over 80 currencies directly from self-custodial holdings. Funds remain in the client's own wallet, connected to a dedicated payment vault, until the payment executes, at which point TrustLinq converts the required amount and delivers a bank transfer.
The company describes the capability as addressing a structural gap in stablecoin usage. Citing analysis published by McKinsey and Artemis Analytics in January 2026, the release notes that of roughly USD 35 trillion moving over stablecoin rails annually, approximately USD 390 billion, about one percent, represented real-world payments such as payroll, invoices and remittances, with business-to-business payments the fastest-growing segment. TrustLinq's model settles obligations in fiat directly from self-custody, rather than requiring holders to sell through an exchange and transfer funds from a personal bank account.
TrustLinq operates as a Swiss financial intermediary subject to anti-money-laundering supervision through SO-FIT, a self-regulatory organisation recognised by FINMA, which the company says gives recipient banks a regulated Swiss counterparty on every transfer. Clients verify once at onboarding. Co-founder Lili Metodieva said stablecoin holders "have never lacked ways to trade; they have lacked ways to pay," adding that RLUSD "was built as regulated, enterprise-grade digital money." The company cites use cases including supplier invoices, payroll, contractor payments, rent and tuition. RLUSD support is available immediately to all verified clients, with coverage by destination and currency published on the company's supported countries page. The release does not disclose transaction volumes, fees or client counts.
The company describes the capability as addressing a structural gap in stablecoin usage. Citing analysis published by McKinsey and Artemis Analytics in January 2026, the release notes that of roughly USD 35 trillion moving over stablecoin rails annually, approximately USD 390 billion, about one percent, represented real-world payments such as payroll, invoices and remittances, with business-to-business payments the fastest-growing segment. TrustLinq's model settles obligations in fiat directly from self-custody, rather than requiring holders to sell through an exchange and transfer funds from a personal bank account.
TrustLinq operates as a Swiss financial intermediary subject to anti-money-laundering supervision through SO-FIT, a self-regulatory organisation recognised by FINMA, which the company says gives recipient banks a regulated Swiss counterparty on every transfer. Clients verify once at onboarding. Co-founder Lili Metodieva said stablecoin holders "have never lacked ways to trade; they have lacked ways to pay," adding that RLUSD "was built as regulated, enterprise-grade digital money." The company cites use cases including supplier invoices, payroll, contractor payments, rent and tuition. RLUSD support is available immediately to all verified clients, with coverage by destination and currency published on the company's supported countries page. The release does not disclose transaction volumes, fees or client counts.
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