Ripple Payments Cross-border Platform

Ripple was founded in 2012 and provides blockchain-based enterprise solutions for global payments, custody, liquidity and treasury management. It holds more than 85 licences, including US money transmitter licences, a NYDFS trust charter under which its RLUSD stablecoin is issued, and licences from MAS in Singapore, the DFSA in the UAE and EMI regimes in the EU and UK.

Ripple Payments covers the full cross-border stack through one integration: businesses accept stablecoin and fiat inflows, hold balances in managed wallets, exchange between fiat and digital assets around the clock, and make real-time bulk payouts in fiat or stablecoins through first- and third-party payout networks. Settlement can use RLUSD, other stablecoins, XRP on the XRP Ledger or fiat. A single API combines payouts, custody, acceptance, liquidity and compliance for banks, fintechs and crypto businesses.

• Accept: Takes in stablecoin and fiat payments and converts inflows to a preferred currency.
• Hold: Manages wallets and shows balances in a single view.
• Exchange: Converts between fiat and digital assets around the clock.
• Payout: Sends real-time bulk payouts to suppliers, creators and employees.
• Flexible settlement: Uses RLUSD, other stablecoins, XRP or fiat.
• Unified API: Combines payouts, custody, acceptance, liquidity and compliance.

A Vietnamese bank's partner network or licensed payment firm can receive inbound remittances settled through Ripple and pay out locally. A regional exporter's payment provider can settle supplier invoices in stablecoins outside banking hours. A payroll or creator platform can run bulk payouts to workers across several Asian markets.

Banks and payment companies can bypass correspondent banking chains, with settlement in as little as 3 to 5 seconds and exchange available 24/7/365. One provider replaces separate vendors for collection, custody, FX and payouts across more than 60 markets and 17 fiat currencies. Ripple reports over 100 billion USD in processed payment volume, and SOC 2 Type II and ISO 27001 controls support enterprise due diligence.

Stablecoins are being adopted for B2B payments, payroll and treasury as regulators in Japan, Singapore and the US set clear rules for issuers. Southeast Asia, with slow correspondent routes and large remittance and trade flows, is a target region, and Ripple has entered the MAS sandbox for stablecoin trade finance in regional corridors.

Founded in 2012. Holds 85+ licences, including US MTLs, a NYDFS trust charter, MAS, DFSA and EU/UK EMI licences; SOC 2 Type II and ISO 27001 certified. RLUSD reached 1.7 billion USD in market capitalisation and launched in Japan with SBI Group in June 2026 after JFSA approval. Long-standing partner of SBI Group since 2016.