How to Stake RLUSD – CoolWallet

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Why You Can Stake RLUSD

RLUSD is a stablecoin issued on the XRP Ledger. As a stablecoin, it does not natively support staking on the network. So how is RLUSD staking possible?

Doppler Finance introduces a mechanism that enables RLUSD to generate yield through CeDeFi strategies. This model combines the usability, compliance, and security of centralized finance with the yield potential of decentralized finance. In practice, assets are held by trusted custodians, while automated strategies deploy them across DeFi protocols such as lending and liquidity provision to generate real market-driven returns.

What is Doppler Finance

Doppler Finance is the first institutional-grade yield infrastructure built on the XRP Ledger. It combines trusted custody with audited reserve assets, with a strong focus on security, full transparency, and scalability.

How RLUSD Staking Works on Doppler Finance

RLUSD staking on Doppler Finance is not traditional staking. Instead, it uses a CeDeFi framework to deploy RLUSD into a range of yield-generating strategies. User deposits are managed by custodians and allocated to markets such as lending and liquidity provision to generate returns. These yields come from real market activity rather than native blockchain rewards. Returns are then aggregated into the Doppler Finance vault and distributed proportionally to users.

Unlike pure DeFi, Doppler provides institutional-grade safeguards, including:

• Trusted custody: Assets are secured by professional custodians.

• Full transparency: On-chain audits verify reserve sufficiency.

• Real yield: Returns are driven by market activity such as trading fees, not token inflation.

Where Does the Yield Come From

CeDeFi Yields

Doppler Finance uses a CeDeFi yield framework that combines centralized custody with decentralized strategies, allowing RLUSD holders to access yield opportunities typically reserved for institutions. After deposit, assets are secured in wallets managed under Fireblocks’ MPC architecture, then routed into capital pools protected by multi-signature controls and strict authorization. Strategies are executed through off-exchange settlement providers such as Ceffu and Copper. This setup reduces single-point-of-failure risk, avoids exchange custody risks, and ensures asset flows remain traceable and verifiable.

Doppler’s key strengths are transparency and consistency. With Proof of Reserve and third-party verification, users can independently verify asset security and deployment. At the same time, institutional-grade quantitative strategies are used to generate stable, market-driven returns while managing risk, delivering a strong balance of security, transparency, and yield.

Coming Soon: On-Chain Yields

In addition to its CeDeFi framework, Doppler Finance is expanding into on-chain yields to further unlock RLUSD’s utility and long-term value.

Users simply deposit RLUSD, and the protocol automatically allocates assets across yield opportunities on multiple blockchains, with all activity verifiable on-chain. By extending beyond XRPL into ecosystems such as EVM-compatible sidechains, users gain access to a wider range of opportunities while maintaining full transparency.

In the short term, strategies will focus on lending and stablecoin-based yields. Over time, Doppler aims to build a security layer for the XRPL ecosystem, capturing the revenue generated by these ecosystem services as a yield source. As the ecosystem grows, this is designed to deliver more organic and sustainable returns for RLUSD holders.

Risks of RLUSD Staking

According to Doppler Finance, the following outlines the key risks of RLUSD staking and the measures in place to mitigate and manage them.

Key Risks

Doppler Vaults face three primary risks that may affect asset safety or withdrawal efficiency under extreme conditions:

• Counterparty Risk: Losses may occur if third-party custodians or strategy partners experience asset theft, insolvency, or operational losses.

• Liquidity Risk: During periods of extreme market volatility, large redemption requests combined with insufficient market liquidity may lead to withdrawal delays.

• Cybersecurity Risk: Includes risks such as infrastructure breaches, smart contract vulnerabilities, or compromised user credentials.

Multi-Layer Risk Management

At the custody and execution layer, Doppler partners only with audited institutions such as Fireblocks and Copper. It follows a capital-preservation approach, supported by strict due diligence, diversified fund allocation, and continuous monitoring to minimize counterparty risk. The platform also maintains at least 30% of assets in highly liquid reserves, along with dedicated withdrawal mechanisms and backup liquidity to handle different market conditions.

At the system and security layer, Doppler applies comprehensive safeguards, including cross-checks between withdrawals and on-chain balances, real-time abnormal transaction detection with automatic blocking, multi-signature controls, and hardware security modules (HSM). Additional protections such as IP whitelisting and withdrawal waiting periods are in place. All smart contracts are audited, with established processes for vulnerability response and disclosure to further strengthen security and asset protection.

Additional Rewards: Doppler Points (DP)

Doppler Points (DP) is a reward program designed by Doppler Finance to incentivize early users and support the growth of the XRPfi ecosystem. As a pioneer in XRPL DeFi, Doppler encourages early participation through DP, allowing users to contribute to and grow alongside this emerging market. Users can earn DP by depositing assets and participating in Vaults, with additional boosts available through tiered incentives and referral programs.

DP is calculated based on the USD value of deposited assets. For every $1 deposited, users earn 0.01 DP per hour, with additional boosts depending on deposit size. Rewards are dynamically adjusted based on market price fluctuations. By staking RLUSD and participating in the RLUSD Vault, users can also earn DP.

Why Stake RLUSD with CoolWallet

Supported Products

Benefits of Staking RLUSD with CoolWallet

• High security: With CoolWallet Pro or CoolWallet Go, your private keys are stored securely in a hardware chip, minimizing exposure and keeping your assets protected.

• Easy mobile experience: Stake, unstake, and track your assets directly in the CoolWallet App with a simple and intuitive interface.

• Flexible asset management: Add or unstake RLUSD at any time, giving you full control over your allocation and yield strategy.

• Additional rewards: Earn Doppler Points (DP) on top of your staking rewards when you stake RLUSD through CoolWallet.

Instructions

Staking Guidelines

• Supported networks: RLUSD staking currently supports only the XRP Ledger. You can only stake the RLUSD you hold on the XRP Ledger, and choose which address to stake during the process.

• Per-address calculation: Staking is calculated based on the total amount staked under a single address. Additional RLUSD staked to the same address is automatically merged and included in yield calculations.

• Stake additional funds anytime: You can stake more RLUSD at any time, and newly staked amounts will immediately start earning rewards.

• Compounding rewards: Rewards are automatically added to your staked balance at regular intervals. Returns are calculated on the total balance, including past rewards, creating a compounding effect.

• Flexible unstaking: You can unstake at any time. It typically takes around 8 days to receive your RLUSD, though timing may vary depending on network conditions.

• Partial or full unstaking: You can choose to unstake partially or fully at any time.

• Rewards returned with principal: Since rewards are already included in the total staked amount, they are returned together with your principal upon unstaking.

How to Start and Increase Your Stake

Step 1. Open the CoolWallet App and go to Earn → Stablecoin → RLUSD.

Step 2. On the RLUSD Staking page, tap Add Stake. After reviewing the instructions, tap the button Go to Staking Platform.

Step 3. Select the RLUSD address you want to stake, then tap Next to open Doppler Finance. Enter the staking amount, and tap the button Deposit.

Step 4. Confirm the transaction details and complete verification.

Step 5. Once completed, you can view your staking status directly on the platform. Tap the icon x in the top-left corner to return to the CoolWallet App.

You can also check your staking status and accumulated rewards anytime on the RLUSD Staking page in the CoolWallet App. To add more RLUSD, simply repeat the same steps.

How to Unstake and Claim Rewards

Note: During the staking period, rewards are automatically added to your total staked amount. When you unstake, both your principal and accumulated staking rewards will be returned to your address. If you partially unstake, the rewards will be returned proportionally.

Step 1. On the RLUSD Staking page, tap Unstake to open Doppler Finance.

Step 2. Choose the tab Withdraw, enter the amount, and review the estimated unlock time. Then tap the button Withdraw.

Step 3. Confirm the transaction details and complete verification.

Note: When you submit an RLUSD unstaking transaction, the transaction amount will be displayed as 0 XRP rather than your actual unstaking amount. You can view the actual unstaking amount under the Redemptions section after the transaction is completed (see Step 4).

Step 4. Once completed, you will see a Withdrawal request succeed confirmation. You can track your unstaking status under the section Redemptions. Tap the icon x in the top-left corner to return to the CoolWallet App.

How to Check Doppler Points (DP)

On the Doppler Finance platform, you can view your accumulated Doppler Points (DP) under the section Doppler Points.

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