Lynq and The Better Money Company convert client assets to RLUSD in minutes during live test

On October 13, 2026, two infrastructure firms tried to change that reputation with a live test. Lynq, the institutional settlement network operated by tZERO Securities, and The Better Money Company (TBMC), a stablecoin clearinghouse, completed a live proof-of-concept. TBMC converted a client’s assets held on Lynq into RLUSD, Ripple’s USD stablecoin, and the settlement wrapped up within minutes. The test validated the first phase of the two companies’ collaboration. What actually happened in the test The mechanics are worth unpacking, because the speed came from how the workflow was built. Lynq provides what it describes as a pre-funded workflow. When funds are already positioned before a transaction starts, there is far less back-and-forth before the money can move. In this case, the client’s assets were already sitting on Lynq. TBMC handled the conversion into RLUSD, and the settlement completed in minutes. This was Phase 1. The companies framed it as proof that the first stage of their partnership works, not as a finished product rolling out to every client tomorrow. Who Lynq and TBMC are Lynq operates around the clock, 24/7, offering real-time transfers that are also interest-be...