Bybit is thrilled to announce RLUSD Hold & Earn — earn RLUSD rewards daily, just by holding RLUSD in your Bybit account. No staking, no lock-up, no hassle.

For a limited time, earn up to 7% APR, and enjoy 0 maker fees on RLUSD/USDT spot trading!

Launch Date: Jul 20, 2026, 10 AM UTC - Aug 19, 2026, 10 AM UTC

About RLUSD

RLUSD is a USD-pegged stablecoin issued by Ripple, fully collateralized by U.S. Treasury bills, USD deposits, and other cash equivalents, designed to maintain a stable 1:1 peg to the U.S. dollar. As a regulated, reserve-backed asset, RLUSD delivers the same price stability as traditional cash in an on-chain digital form, with native support for both XRP Ledger and Ethereum.

How RLUSD Hold & Earn Works

Complete Identity Verification Lv.1 and hold a minimum of 1 RLUSD in your Bybit account. No subscription or lock-up required.

• Your RLUSD balance is snapshotted once per hour, 24 times per day

• RLUSD rewards are credited to your Main Account Funding Wallet around 06:00 UTC the next day

Reward Calculation

Your daily RLUSD reward is calculated based on your effective daily RLUSD holdings and the current daily APR.

Hold longer, earn more. The longer users continue to hold RLUSD, the more rewards they may become eligible for in future campaigns.

Formula:

Effective Daily RLUSD Holdings × Daily APR ÷ 365

Effective Daily Holding Definition: Your effective daily holding is the minimum RLUSD balance across all 24 hourly snapshots.

0-Maker Fee Spot Trading on RLUSD/USDT Pair

To celebrate the launch, Bybit is offering zero maker fees on RLUSD/USDT spot trading pair for a limited time:

Terms and Conditions

• This campaign is only open to users eligible for Earn services on Bybit Global site and may not be available in certain jurisdictions or regions. Participants from Service Restricted Countries are not eligible.

• Islamic accounts are not eligible to participate.

• Users must complete Identity Verification Lv.1 to participate.

• Institutional users are eligible to participate in Hold & Earn but excluded from the Trading Competition.

• Daily RLUSD rewards are calculated based on each user's effective RLUSD holdings. The effective daily holding is determined by the minimum value across 24 hourly snapshots (UTC 00:00–23:59). Formula: Effective Daily RLUSD Holdings × Daily APR ÷ 365.

• Hourly snapshots include RLUSD in Main Accounts, Subaccounts, Trading Bot Accounts, and Unified Trading Accounts. Excluded: RLUSD in Flexible/Fixed Savings; RLUSD borrowed via Crypto Loans, UTA Loans, or Spot Margin; RLUSD held in Copy Trading Pro Subaccounts.

• Each user's eligible balance is capped at 5,000,000 RLUSD. Holdings exceeding this amount will not accrue Hold & Earn rewards.

• The loyalty multiplier is based on continuous holding days. If a user's balance drops to zero, the holding counter resets immediately. Continuous holding duration does not carry over.

• The daily APR is dynamically adjusted based on the remaining monthly reward budget and total effective RLUSD holdings across the platform. Updated APR is published daily around UTC 06:00.

• RLUSD rewards are distributed to the Main Account Funding Wallet daily around UTC 06:00. Subaccount rewards are consolidated and credited to the Main Account.

• RLUSD rewards are distributed as commercial incentives and do not constitute interest, yield, or investment returns on RLUSD itself.

• All participating users must strictly abide by Bybit's Terms of Service. Bybit reserves the right to disqualify participants who engage in dishonest or abusive activities, including but not limited to actions associated with unlawful, fraudulent, or harmful purposes.

• Bybit reserves the right to modify the terms of this campaign without prior notice.

• Bybit reserves the right to the final interpretation of this campaign. If you have any questions, please contact our Customer Support team.