rtUSD — Real-Time USD.
A US-dollar stablecoin built for business settlement: backed 1:1 by dollar reserves, interoperable with USDC on Base, and redeemable for dollars.
A dollar that moves at internet speed.
rtUSD is RT's own US-dollar stablecoin. Each token represents one US dollar held in reserve, so balances stay stable while money moves instantly across the RT platform and the wider stablecoin ecosystem.
A stable, redeemable dollar
One rtUSD always represents one US dollar. It is designed to hold its value and be redeemed for dollars, not to fluctuate or pay yield.
Built on Base, USDC-interoperable
rtUSD settles on the Base network and is interoperable with USDC, so businesses can move between the two without leaving the dollar.
Controlled settlement rails
rtUSD gives RT control of the settlement experience — clearing, availability, and redemption — so business money is fast and predictable.
Backed 1:1 by dollar reserves.
Every rtUSD in circulation is backed by an equivalent value of dollar reserves held with regulated infrastructure. Reserves are held in low-risk, liquid instruments designed to be available for redemption.
- ✓ Cash and cash equivalents
- ✓ Short-duration U.S. Treasuries
- ✓ Held with regulated, qualified custodians
- ✓ Reserves segregated from RT operating funds
- ✓ Reserve and redemption controls; no customer yield
Mint and redeem, one dollar at a time.
rtUSD is issued when dollars enter reserve and redeemed when dollars leave. The supply always tracks the reserves behind it.
Deposit
Dollars enter reserve through RT's regulated stablecoin infrastructure.
Mint
An equal amount of rtUSD is issued 1:1 against the new reserves.
Use
rtUSD moves instantly for settlement, transfers, and conversion to USDC.
Redeem
Burning rtUSD releases the matching dollars from reserve back to the holder.
The settlement layer for RT.
rtUSD is the dollar that powers RT business accounts and payments — it is how value clears and settles across the platform.
Business settlement
Payments accepted across RT settle into rtUSD with order-level records.
Instant transfers
Move rtUSD 24/7 to any supported wallet or counterparty on Base.
USDC conversion
Convert between rtUSD and USDC inside RT without leaving the dollar.
Card & vendor spend
rtUSD balances back virtual card spend across teams and vendors.
Treasury balances
Hold a stable, redeemable dollar balance alongside USD and USDC.
Off-ramp to dollars
Redeem rtUSD back to dollars and move to bank destinations.
Put rtUSD to work in your business.
Open an RT account to hold, send, and settle in rtUSD — alongside USD and USDC.