Bybit, the world's second-largest cryptocurrency exchange by trading volume, announced Phase 3 of its RLUSD Hold & Earn program, a Ripple-powered dual-token rewards event exclusive to the platform. From Sept. 21 through Oct. 18, 2026, eligible users can hold RLUSD in their Bybit accounts and receive daily rewards in RLUSD and XRP without staking, lock-up, or subscription requirements. The program offers a base APR of up to 3.5% in RLUSD and XRP bonus rewards from a 0.8 million XRP prize pool. The XRP bonus multiplier is linked to continuous holding duration and can reach 2.0x for holdings maintained for at least 90 days. Bybit also said the RLUSD/USDT spot pair would have 0% maker and taker fees from Sept. 19, 2026, compared with 0% maker fees only during Phase 2. RLUSD is a U.S.-dollar-pegged stablecoin issued by Ripple and backed by U.S. Treasury bills, U.S. dollar deposits and other cash equivalents, while XRP is the native token of the XRP Ledger, which was co-founded by Ripple and is designed for fast, low-cost cross-border payments. Terms and conditions apply, and actual fee rates may vary by region; users were directed to Bybit's My Fee Rate page for current rates and to the RLUSD Hold & Earn Phase 3 page for APR, multiplier, eligibility and restriction details.